After examining quotes from 16 different auto insurance companies that offer coverage in Somerset, we found that The Cincinnati featured the cheapest rates. With a rate of $1,020 per year, The Cincinnati's car insurance quote was 46% cheaper than what we found to be the Somerset average. Enter your zip code above to begin comparing quotes from a number of insurers.
Somerset, Kentucky Car Insurance Costs
We found that the average car insurance rate for Somerset drivers—across the insurance companies that we considered—to be $1,889 per year. This rate is almost exactly the same as the Kentucky state average car insurance cost of $1,885 per year. We also observed that there is a huge range of insurance costs in Somerset—with the cheapest insurance company offering rates 75% cheaper than those offered by the most expensive insurer.
Somerset, Kentucky Auto Insurance Agents
Independent car insurance agents can help you manage your policy, by adding and removing vehicles or drivers from your policy for you. Somerset drivers that are interested in connecting with, or purchasing a car insurance policy from a local agent should consult the directory we've included below.
| Jarvis Ins Agency Inc | 37 Public Square, Somerset, KY 42501 | 606-678-4911 |
| Sams Ins Agency Inc | 203 E Mt Vernon St, Somerset, KY 42501 | 606-679-4488 |
| Lafavers Insurance Agency Po Box | 1155, Somerset, KY 42502 | 606-679-3570 |
| Reed Brothers Insurance Services Inc | 445 S Hwy 27 Ste 201, Somerset, KY 42503 | 606-679-6311 |
| Hays Brothers Ins Inc | 823 Hwy 27 S, Somerset, KY 42501 | 606-679-4297 |
| Mathis Insurance Agency Inc | 1340 S Hwy 27 Ste A, Somerset, KY 42501 | 606-679-7836 |
| Derby Insurance Agency Inc | 2520 S Hwy 27, Somerset, KY 42501 | 606-676-0089 |
| First Insurance Group Property & Casualty | 2520 S Hwy 27, Somerset, KY 42501 | 606-679-3570 |
| Stewart & Tucker Insurance Llc | 3765 S Highway 27 Ste 1, Somerset, KY 42501 | 606-451-2139 |
| American Insurance Agency Llc | 4311 South Hwy 27, Somerset, KY 42501 | 606-677-0717 |
| Crabtree-Wilson Ins Agcy Inc | 86 South Fork Center, Whitley City, KY 42653-0000 | 606-376-5321 |
| Sears Insurance Agency | 107 Cvb Ln, London, KY 40741 | 606-862-1122 |
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Car Insurance Requirements in Somerset, Kentucky
Somerset car owners must meet the Kentucky standard for auto insurance coverage. This includes bodily injury and property damage liability coverage—which are required in almost all states. Below, we've detailed the minimum coverage limits for the state of Kentucky:
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Bodily Injury (BI): $25,000 per person / $50,000 per accident
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Property Damages (PD): $25,000 per accident
Somerset, Kentucky Motor Vehicle Theft and Fatality Statistics
Somerset residents will be happy to know that their city has a vehicle theft rate that is 17% lower that Kentucky average. This could lead to lower auto insurance costs, as insurance companies look at the frequency of vehicle thefts in given area when setting rates for comprehensive coverage—which pays out if your car is stolen.
| Population | 11,296 |
| Somerset Auto Thefts (2009) | 13 |
| Somerset Thefts per 1,000 People | 1.15 |
| Kentucky Thefts per 1,000 People | 1.39 |
| Auto Accidents | 37 |
| Auto Fatalities | 41 |
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| Chevrolet C, K, R, V-series pickup/Silverado | 1 | 3 |
| Ford F-Series pickup | 2 | 3 |
| Nissan/Datsun Frontier (1998 on) | 1 | 2 |
| Pontiac Grand AM | 4 | 2 |
| Toyota Camry | 0 | 2 |
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| US-27 | 6 | 5 |
| SR-90 | 5 | 3 |
| SR-192 | 3 | 3 |
| I-75 | 3 | 3 |
| SR-80 | 3 | 3 |
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| Saturday | 10 | 8 |
| Tuesday | 7 | 6 |
| Friday | 6 | 6 |
| Monday | 5 | 5 |
| Sunday | 4 | 4 |
| Wednesday | 5 | 4 |
| Thursday | 4 | 4 |
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