Cheapest Car Insurance Quotes in Somerset

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Somerset Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Somerset

The car insurance rate in Somerset is $950 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Somerset can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Somerset

$950

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Somerset

1st place: AutoOwners Insurance Co

At $404 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $442 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $580 for six months, making it the third cheapest auto insurance company in Somerset.

Somerset Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Somerset, KY is AutoOwners Insurance Co, offering policies at just $404 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $442.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1105 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Somerset drivers find the best deals.

Cheap Car Insurance Companies in Somerset, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$404	$69
Cincinnati	$442	$73
Kentucky Farm Bureau	$580	$98
Travelers	$757	$127
Farm Bureau	$779	$132
Shelter	$851	$143
Auto-Owners	$911	$155
Nationwide	$917	$154
USAA	$928	$156
State Farm	$1033	$174
Electric	$1071	$182
Progressive	$1193	$201
Allstate	$2343	$394
Grange	$1105	$184

Key Takeaways

Way's key takeaways about car insurance in Somerset

The auto insurance costs in Somerset fall around $404 for six months.
The cheapest auto insurance company in Somerset is Cincinnati.
Teen drivers pay the highest rate in Somerset at $1296 per month.

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Cheapest Minimum Liability Car Insurance in Somerset

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Somerset are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Somerset. Their Average 6 Month Premium is $139. Allstate is the most expensive at $967 for the same period.

Cheapest Liability Coverage in Somerset, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Auto-Owners Insurance Co	$188	$32
Kentucky Farm Bureau	$210	$35
Electric	$227	$38
Nationwide	$265	$45
USAA	$276	$47
Farm Bureau	$287	$48
Travelers	$299	$50
Westfield	$310	$51
State Farm	$321	$54
Progressive	$353	$60
Shelter	$376	$63
Auto-Owners	$415	$69
Allstate	$967	$163

Cheapest Full Coverage Car Insurance in Somerset

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Somerset is AutoOwners Insurance Co at $69 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Somerset, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$404	$69
Cincinnati	$442	$73
Kentucky Farm Bureau	$580	$98
Travelers	$757	$127
Farm Bureau	$779	$132
Shelter	$851	$143
Auto-Owners	$911	$155
Nationwide	$917	$154
USAA	$928	$156
State Farm	$1033	$174
Electric	$1071	$182
Progressive	$1193	$201
Allstate	$2343	$394
Grange	$1105	$184

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Average Car Insurance in Somerset by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Somerset, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Somerset, Kentucky, may be increasing due to several external factors. Kentucky has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Somerset's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Somerset

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$920
30s	Auto-Owners	$698
40s	Auto-Owners	$682
50s	Auto-Owners	$651
60s	USAA	$677
70s	State Farm	$754

Cheapest Car Insurance Rates for Teen Drivers in Somerset,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Somerset at $30 per month. At $7700 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$177	$30
Auto-Owners Insurance Co	$265	$45
Kentucky Farm Bureau	$884	$149
Travelers	$1193	$201
Farm Bureau	$1216	$205
USAA	$1398	$235
Shelter	$1751	$295
State Farm	$1983	$334
Auto-Owners	$2762	$460
Progressive	$3701	$623
Allstate	$7700	$1296

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Somerset.

As young drivers face the highest rates in Somerset, USAA offers the cheapest auto insurance rates at $920 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Somerset, Cincinnati is the cheapest car insurance provider. At $237 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Somerset is Allstate, offering rates of around $5016 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$237	$40
Nationwide	$353	$60
Travelers	$994	$167
Progressive	$1138	$192
USAA	$1828	$305
Farm Bureau	$2381	$405
Auto-Owners	$2640	$440
Shelter	$2707	$460
State Farm	$3596	$599
Allstate	$5016	$853

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Somerset.

Car Insurance Rates with An Accident in Somerset

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Somerset, KY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Somerset

The cheapest car insurance companies after an at-fault accident in Somerset include AutoOwners Insurance Co and Electric, offering $282 and $282, respectively. Allstate is an expensive provider with an average six-month premium of $4060.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$282	$47
Electric	$282	$48
Cincinnati	$299	$49
Kentucky Farm Bureau	$409	$69
Farm Bureau	$580	$98
Travelers	$712	$120
State Farm	$740	$125
Shelter	$817	$138
USAA	$851	$143
Auto-Owners	$1254	$213
Progressive	$1403	$236
Allstate	$4060	$684

Somerset Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Somerset KY. For example, the car insurance in Somerset after a DUI increases to $1155 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Somerset auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1348	$225
One Med/PIP claim	$1359	$231
Two Med/PIP claims	$1415	$235
Not-at-fault accident	$1453	$247
One comp claim	$1475	$246
Failure to wear a seat belt	$1492	$254
Failure to show documents	$1541	$257
Two comp claims	$1541	$262
Driving without lights	$1547	$258
Child safety restraint	$1563	$266
Cell phone violation	$1624	$271
Driving with expired registration	$1629	$277
Texting while driving	$1629	$272
Driving too slowly	$1641	$279
Failure to stop at a red light	$1641	$273
Failure to yield	$1641	$279
Speeding 6 - 10 MPH over limit	$1641	$273
Speeding in school zone	$1641	$279
Following too closely	$1646	$274
Illegal turn	$1646	$280
Speeding 11 - 15 MPH over limit	$1646	$274
Wrong way/wrong lane	$1646	$280
Improper passing	$1652	$275
Speeding 16 - 20 MPH over limit	$1652	$281
Speeding 21 - 25 MPH over limit	$1685	$281
In 65 MPH zone	$1696	$288
Passing school bus	$1723	$287
Open container	$1768	$300
At-fault accident - less than $1000	$1800	$300
Operating a vehicle without permission	$1933	$329
At-fault accident - $1000-$2000	$1956	$326
At-fault accident - greater than $2000	$1956	$333
Reckless driving	$2458	$410
Refusal to submit to a chemical test	$2491	$424
DUI	$2503	$417
Driving with a suspended license	$2508	$427
Racing	$2519	$419
Leaving scene of an accident/hit and run	$2546	$433

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Somerset after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Somerset.

The cheapest car insurance premiums in Somerset are offered by Cincinnati at $370 for a six-month policy. However, it can be as expensive as $2105 with companies like AutoOwners.

Somerset car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$370	$61
Kentucky Farm Bureau	$492	$84
Travelers	$663	$112
Progressive	$806	$136
Shelter	$812	$137
State Farm	$834	$140
USAA	$939	$158
Allstate	$1790	$301
Farm Bureau	$1817	$303
Auto-Owners	$2105	$358

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Somerset are offered by Cincinnati at $166. However, it can be as expensive as $2757 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Somerset after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$166	$28
Kentucky Farm Bureau	$199	$33
Auto-Owners Insurance Co	$227	$38
State Farm	$624	$105
Travelers	$674	$113
Shelter	$724	$122
Farm Bureau	$779	$132
Progressive	$906	$153
Auto-Owners	$928	$158
USAA	$1116	$186
Allstate	$2757	$469

Car Insurance Price Trends in Somerset, Kentucky

Car insurance rates in Somerset have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Somerset rose by $206 in December compared to $205 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Somerset rose to $58 in December, compared to $56 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Somerset?

The car insurance in Somerset is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Somerset?

The cheapest car insurance in Somerset is $69 per month for full coverage.

How much is car insurance in Somerset for teenagers?

Car insurance for teenagers costs $177 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Somerset?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $160 per month to insure your car in Somerset.

Is car insurance expensive in Somerset?

Car insurance can be expensive in Somerset if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Somerset can be affordable.

Cheapest Car Insurance Quotes in Somerset

Why you can trust Way?

How Much Is Car Insurance in Somerset

Avg. Car Insurance in Somerset

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Somerset

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Somerset Car Insurance Rates by Company

Cheap Car Insurance Companies in Somerset, KY

Way's key takeaways about car insurance in Somerset

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Somerset

Cheapest Liability Coverage in Somerset, KY

Cheapest Full Coverage Car Insurance in Somerset

Cheapest Full Coverage Car Insurance Quotes in Somerset, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Somerset by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Somerset, KY increasing?

Car Insurance Premiums by Age in Somerset

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Somerset,KY

If you are in your twenties USAA is the best choice for car insurance in Somerset.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Somerset

Cheapest Car Insurance Companies after an At-Fault Accident in Somerset

Somerset Car Insurance Rates by Violation

Somerset auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Somerset after a DUI

Somerset car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Somerset after Speeding ticket

Car Insurance Price Trends in Somerset, Kentucky

Average Car Insurance Cost in Somerset by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Somerset, KY

Car Insurance Rates by State in the USA (2025 Update)

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