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Best cheap car insurance in Somerset

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Nobody wants to pay more for car insurance than they have to, and in Somerset, it’s possible to find good coverage with low rates. The average cost of car insurance in Somerset is $680 per year for minimum coverage, or roughly $57 a month. Full coverage, which includes collision and comprehensive, is $2,017 per year, or $168 a month. You may want to consider purchasing as much car insurance as you can afford, with higher liability minimums than is required by law, in order to better protect your finances.

If you are looking for the best car insurance companies in Somerset, consider our choices below, which offer the cheapest rates while still delivering robust policies and a good customer experience. All our chosen companies have average rates that are well below the Kentucky state averages.

Best cheap car insurance companies in Somerset

Based on sample rates gathered by Quadrant Information Services for Bankrate, the cheapest car insurance companies in Somerset are Westfield for minimum coverage and State Farm for full coverage. Both are among the cheapest car insurance companies in Kentucky.

Bankrate calculated scores with a five-point review, including factors such as cost, coverage and discount options, insurer availability, affordability and customer experience — all priorities for drivers looking for the best insurance in Kentucky. We also look at insurers’ online and mobile capabilities as well as rankings by third-party agencies such as J.D. Power and AM Best.

Insurance company Bankrate Score J.D. Power customer satisfaction score (Southeast region) Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 859/1,000 $1,486 $495
Kentucky Farm Bureau 4.0 866/1,000 $1,528 $382
Nationwide 4.4 831/1,000 $1,555 $662
Geico 4.7 843/1,000 $1,621 $473
Westfield 4.0 NA $1,672 $346

State Farm

The largest auto insurer in the country, State Farm has a lot to offer to Somerset drivers. It has a Bankrate score of 4.7 and scores well on J.D. Power’s customer satisfaction ranking — indicating that the company places a priority on good customer services. Its average rates were the lowest we found for full coverage, and a larger-than-average list of discounts means you may save even more. State Farm also offers an excellent online experience, with a user-friendly mobile app that lets you manage your policy wherever you are.

Learn more: State Farm Insurance review

Kentucky Farm Bureau

If you’re looking for cheap car insurance companies in Somerset, Kentucky Farm Bureau is one you may want to consider. Its average rates are well under the city’s averages, and it offers both standard coverages as well as options such as towing and labor costs and rental reimbursement. Its potential discount options include a safe driver discount and several discounts for those who have taken defensive driving courses. The company scores higher with J.D. Power than any of our other choices, so you are likely to have a good customer experience when interacting with them. Farm Bureau’s website isn’t very user-friendly, however, and you can’t get a quote or file a claim online.

Learn more: Farm Bureau Insurance review

Nationwide

Nationwide offers a range of policy types for vehicles — from cars to snowmobiles and ATVs — as well as the opportunity to customize your policy with add-ons like accident forgiveness and a vanishing deductible that earns you $100 off your deductible for every year of safe driving. Its potential discount range is broad, too, with the opportunity to save money if you drive less often through their SmartMiles program, as well as other discounts for safe driving and more. Nationwide’s average rates are below average, and they score well with third-party consumer watchdog agencies such as J.D. Power.

Learn more: Nationwide Insurance review

Geico

Geico is a national company that offers competitive rates and is known for good customer service. It’s coverage options are fairly basic, but it has one of the best potential discount lists in the industry, and many policyholders will be eligible for at least a few of them. Geico regularly ranks high for customer service with J.D. Power, and it is one of a handful of companies to routinely show up on Bankrate’s Cheapest Car Insurance Companies listing. Geico has a user-friendly website and app that allow you to manage your policy online with ease.

Learn more: Geico Insurance review

Westfield

Westfield is a Ohio-based regional insurer that sells policies across Kentucky. Its average rates for minimum coverage were the cheapest of any we received, and it offers competitive average pricing on all its policies. Bundle your Westfield homeowner’s policy with auto, and you will potentially save money and you might also have access to extras like loan coverage, trip protection coverage, and replacement cost coverage. Westfield works through a network of independent agents, and you’ll need to connect with one to receive a quote or file a claim.

Learn more: Westfield Insurance review

How to get and keep the cheapest car insurance in Somerset

Getting and keeping affordable rates on your car insurance in Somerset isn’t difficult. Insurance providers often reward you for good driving habits and clean driving records, so the most important thing you can probably do is to make it a priority to drive safely. Here are a few other tips to help you potentially score the cheapest rates.

  • Shop around before choosing a provider. Some insurers, like the ones we’ve chosen, are known for providing inexpensive coverage on average. But you won’t know who can give you the absolute best rate unless you make some calls or ask for a free quote on a company’s website. There’s no one insurer that always has the best prices, so finding the best fit for your needs may require you to do a little homework.
  • Review your coverage annually. It’s generally a good idea to take a hard look at your policy periodically, even as often as once per year. You may decide, for example, that you no longer need collision insurance because your car is older and repairs might not be worth it. You may also want to get new quotes each year to see if switching providers could save you some money.

Frequently asked questions

What is the best car insurance company?

There is no one best car insurance company. The best insurance company for you depends on a variety of factors, and you’ll need to gather quotes to see who offers you the best deal. The best insurance companies in general are the ones that come out on top for their rates, coverage options, discounts and overall customer service. When choosing insurance, it is generally a good idea to shop around before making a purchase.

How can I save on car insurance?

The best way to save on car insurance is typically to maintain a clean driving record with no accidents or dings on your license. You can also potentially save by looking for better deals regularly, and reviewing each company’s discounts to see where you can shave even more off your premium costs.

How much car insurance do I need in Somerset?

Kentucky state minimums are 25/50/25, which means you need to have at least $25,000 of bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 for property damage liability. You will also need uninsured motorist coverage of $25,000 per person and $50,000 per accident, as well as personal injury protection (PIP) of $10,000 per accident. Many experts recommend, however, that you purchase more than the minimum liability so that your coverage can better protect your finances in a serious accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor