Somerset is known for its Somernites Cruise. This classic car show has made Somerset the Car Cruise Capital in Kentucky since 2001. The city’s car insurance costs are higher than average, with the minimum coverage at $680 per year and full coverage at $2,017 per year. Somerset was recently named Kentucky’s most safe city to live in. However, insurance providers are more concerned about the potential risks and charge a higher premium due to dense traffic and high rates of road accidents. Kentucky is a state that requires insurance. The requirements are even stricter because it’s mandatory. We have narrowed the choices based on features and discounts.
Somerset’s best car insurance companies
Customer satisfaction is what makes certain insurance companies stand out among others. This includes pricing, coverage options, and support. J.D. According to J.D.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Westfield | 836 / 1000 | $346 | $1,672 |
| Kentucky Farm Bureau | 820 / 1000 | $382 | $1,528 |
| Geico | 851 / 1000 | $473 | $1,621 |
| Nationwide | 828 / 1000 | $662 | $1,555 |
| State Farm | 829 / 1000 | $495 | $1,486 |
Westfield
Westfield, an insurance company based in the Midwest, has 12 states of operation but offers Somerset some of the best prices. Although Westfield is a smaller insurance company than major national ones, it offers a surprising range of coverage options including gap insurance, personal injury protection and gap insurance.
You also have the option of watercraft insurance, antique vehicle insurance, and coverage for custom parts and equipment. Westfield doesn’t sell policies directly, but has local agents who can work with you to customize your coverage within your budget. They will also inform you about regional discounts and resolve any queries or concerns quickly. In the northwest region, Westfield scores high in customer satisfaction.
Kentucky Farm Bureau
It can be difficult to find affordable car insurance if your driving record isn’t perfect. Farm Bureau offers affordable prices and customer satisfaction. They are also open to people with tickets or violations. Farm Bureau offers a variety of coverage options to protect you, regardless of what type of vehicle you drive – whether you are driving a pickup or a sedan, tractor, or SUV. Farm Bureau offers some of the lowest premiums in Somerset. They are financially stable and have a presence across 13 states.
Geico
Geico has low rates, excellent customer service and great online tools. The company is tech-savvy and provides all the tools needed to buy and manage policies online. Geico’s coverage options are simple and do not include any extras. This makes it a good choice for those who only need basic auto insurance on a tight budget.
All over the country
Nationwide offers a wide range of coverage options to suit current and future needs. Nationwide offers additional features, including roadside assistance, vanishing and accident forgiveness, as well as a total loss waiver. An agent can help you customize your policy to include the features you want to ensure you aren’t overpaying. Nationwide scores well above the industry average in customer satisfaction
State Farm
State Farm offers discounts which are a great way of saving premiums. The largest insurance company in the country offers 13 discounts for everything, from having a safe car to a clean driving record to being injury-free for many years. There are significant savings opportunities with the telematics programs Drive Safe, Save and Steer Clear. These programs measure your driving habits and offer substantial savings. State Farm is one of few private insurers that offers rideshare insurance. The mobile app and a large number of local agents provide ease and convenience.
Somerset has the lowest car insurance
Somerset’s premiums are slightly higher than the Kentucky average ($748 for minimum coverage, $2,128 full coverage). Somerset has higher rates than the U.S., with an average cost of $680 for minimum coverage and $2,017 for full coverage. national average. It is worth your time to search for the best car insurance in Somerset.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $396 | $1,572 |
| Geico | $473 | $1,621 |
| State Farm | $495 | $1,486 |
| All over the country | $662 | $1,555 |
| Progressive | $805 | $1,854 |
USAA offers some of the lowest car insurance rates in Somerset. It is also well-known for its exceptional customer service. Only active and retired military personnel, their families, and the general public are eligible for the policy. Both State Farm and Geico offer competitive pricing. However, State Farm offers more discounts and options than Geico. Geico, on the other hand is the only insurance provider that offers a discount for federal employees.
Nationwide and Progressive offer a range of coverage options that can be tailored to your needs. They are also very affordable. Many of these companies offer safe driver reward programs, which can help you save money while improving your driving habits. Keep in mind that everyone pays a different premium depending on their demographics and other factors. The cheapest option may not be right for everyone.
Somerset insurance requirements
Kentucky is a state that does not have a fault system, which increases the insurance cost. Somerset’s minimum insurance requirements is 25/50/10. This means that every driver must have:
- $25,000 bodily injury liability per individual
- $50k bodily injury liability per accident
- Ten Thousand Dollars per accident property damage liability
Additionally, each driver must have at least $10,000 in personal injuries protection. This is because auto insurance companies are required to pay any accident claim, regardless of fault. If you don’t want to protect your car, the minimum coverage is sufficient. If your vehicle is expensive, new, or has been financed, and if you live in a city with a high death rate, it might be worth purchasing additional coverage.
Somerset offers car insurance discounts
Although the annual cost of insuring a vehicle is quite expensive, most insurance companies offer discounts that can help to reduce that amount. These are the most popular discounts:
- Safe driver: Major insurance companies offer discounts for safe drivers. Telematics devices are used to monitor driving behavior and reward you with discounts based upon your driving habits.
- Multi-policy: You can save money by purchasing multiple policies from one insurer and bundling them together into one annual premium.
- Multi-vehicle insurance: You might get a slightly lower annual premium if you have more than one vehicle insured with the same company.
- You may get a discount if your vehicle is fitted with anti-theft and advanced safety features.
- Some insurers offer discounts if you don’t file a claim in a few years.
You may also be eligible for discounts if you have a low annual mileage or are a homeowner, smart student, or a young driver who has completed a safe driving course.
Questions frequently asked
Which is the best auto insurance company?
There is no best car insurance company. There are many factors that go into choosing the right insurance company. The best insurance providers are those that offer the most competitive rates, coverage options and customer service. It is always a good idea to shop around before you make a purchase.
How can I get car insurance at a lower price?
It is a smart way to save money by comparing quotes from different insurers. You can also lower your insurance costs by shopping for better deals at least every six months, maintaining a clean driving record, and taking advantage discounts.
