Cheap Auto Insurance in Somerset, Kentucky

Cheap Auto Insurance in Somerset, Kentucky

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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.

Comparing the cost of auto insurance in Somerset, Kentucky

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.

Agent/Agency
Address
Phone
Jarvis Ins Agency Inc37 Public Square, Somerset, KY 42501606-678-4911
Sams Ins Agency Inc203 E Mt Vernon St, Somerset, KY 42501606-679-4488
Lafavers Insurance Agency Po Box1155, Somerset, KY 42502606-679-3570
Reed Brothers Insurance Services Inc445 S Hwy 27 Ste 201, Somerset, KY 42503606-679-6311
Hays Brothers Ins Inc823 Hwy 27 S, Somerset, KY 42501606-679-4297
Mathis Insurance Agency Inc1340 S Hwy 27 Ste A, Somerset, KY 42501606-679-7836
Derby Insurance Agency Inc2520 S Hwy 27, Somerset, KY 42501606-676-0089
First Insurance Group Property & Casualty2520 S Hwy 27, Somerset, KY 42501606-679-3570
Stewart & Tucker Insurance Llc3765 S Highway 27 Ste 1, Somerset, KY 42501606-451-2139
American Insurance Agency Llc4311 South Hwy 27, Somerset, KY 42501606-677-0717
Crabtree-Wilson Ins Agcy Inc86 South Fork Center, Whitley City, KY 42653-0000606-376-5321
Sears Insurance Agency107 Cvb Ln, London, KY 40741606-862-1122
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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:

  • Bodily Injury (BI): $25,000 per person / $50,000 per accident
  • 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.

Statistic
Figure
Population11,296
Somerset Auto Thefts (2009)13
Somerset Thefts per 1,000 People1.15
Kentucky Thefts per 1,000 People1.39
Auto Accidents37
Auto Fatalities41
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Make and Model
Fatalities
Accidents
Chevrolet C, K, R, V-series pickup/Silverado13
Ford F-Series pickup23
Nissan/Datsun Frontier (1998 on)12
Pontiac Grand AM42
Toyota Camry02
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Roadway
Fatalities
Accidents
US-2765
SR-9053
SR-19233
I-7533
SR-8033
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Day of Week
Fatalities
Accidents
Saturday108
Tuesday76
Friday66
Monday55
Sunday44
Wednesday54
Thursday44
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Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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