Somerset, KY Car Insurance

Somerset drivers pay, on average, around $108 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Somerset stack up to the rest of the area, or even Kentucky as a whole? What rates can residents of Somerset expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Somerset?

Area Average Monthly Car Insurance Premium
Somerset$108
KY$132
United States$80

Looking at the chart above, you can see it's around $24 a month cheaper to insure your vehicle in Somerset than it is in the rest of Kentucky.

On the other hand, the expected monthly payments for an auto insurance policy in Somerset are above the national average. The cost of insuring a vehicle in Somerset is about $28 more expensive than the average rate for the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Somerset, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've done the heavy lifting for you and broken down the average rate for Somerset so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$176
25-34$108
35-44$100
45-54$94
55-64$88
65+$85

Generally speaking, the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Somerset.

Average Car Insurance Rates by Gender

Gender Average
Male$109
Female$107

On average, female drivers pay slightly less for car insurance than their male counterparts. The price for car insurance in Somerset, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$161
Multiple Accidents$159
1 Ticket$151
Multiple Tickets$151

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. Drivers in Somerset with a single accident will pay around $161 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $151.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$130
4-5 Years$91
6-7 Years$113
8-10 Years$129
11-14 Years$114
15 Years or Older$99

The most affordable vehicles to insure in Somerset are usually trucks and vans, which run about $99 per month.

Car owners can expect to pay an average of around $111 a month for their policy, while SUVs usually cost around $102 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Somerset, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$113
Married$100
Divorced$104
Widowed$86

Overall, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

The cost of auto insurance in Somerset reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$97
Rent$107
Live with parents$131

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Somerset. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Somerset, KY

Recent trends in car insurance for Somerset drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Somerset, the rates for car insurance increased from 2016-2018, but began to decrease in 2019. This trend has continued through 2021 when rates have most recently reached $90.

How does Somerset compare to neighboring areas?

Why are car insurance rates in Somerset different from other areas?

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Crime rates
  • Off-street parking accessibility
  • Total number of drivers in the area
  • Road safety
  • Laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Somerset?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Somerset.

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Somerset Insurance FAQs

What factors affect car insurance quotes in Somerset?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Somerset different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Somerset?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Somerset?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Somerset or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes