Somerset, KY Car Insurance

Somerset drivers pay, on average, around $106 a month for their car insurance. Read our guide below to learn more about your specific rates.
What can Somerset residents expect to pay for their car insurance? How does Somerset compare to the surrounding area and the rest of Kentucky? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Somerset?

Area Average Monthly Car Insurance Premium
Somerset$106
KY$132
United States$81

Based on the chart above, you can see that coverage in Somerset typically costs about $26 a month less than it does in the rest of Kentucky.

Compared to the national average cost of auto coverage, Somerset has higher rates. You can expect to pay about $25 more for your policy in Somerset.

These may be the average auto insurance rates for Somerset, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But worry not, we've done the heavy lifting and broken down the average rate for Somerset to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$165
25-34$109
35-44$99
45-54Not Enough Data
55-64$87
65+$89

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Somerset.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$105

In general, car insurance rates for women are usually cheaper than they are for men. The price for insurance coverage in Somerset, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$163
Multiple Accidents$163
1 Ticket$102
Multiple Tickets$149

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Somerset, a driving record with one accident will usually get you a rate around $163 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $102.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$159
4-5 Years$104
6-7 Years$111
8-10 Years$132
11-14 Years$105
15 Years or Older$99

In terms of affordable coverage, the cheapest vehicles to insure in Somerset are usually trucks and vans, at $99 per month.

SUV drivers will see rates of about $100, while the rates for car owners average out to about $110 per month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Somerset are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$111
Married$97
Divorced$101
Widowed$85

Generally speaking, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Somerset as well, where the difference is around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$95
Rent$106
Live with parents$131

Your living situation is another factor that affects your monthly rate. Drivers who own property in Somerset can expect to pay around $11 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 average costs.

Car Insurance Companies in Somerset, KY

Recent trends in car insurance for Somerset drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Somerset, car insurance rates rose from 2017-2018, before taking a downward turn from 2019-2020. They finished up in 2022, at $114.

How does Somerset compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Amount of off-street parking
  • Regional crime rates
  • Number of drivers in the community
  • Regional regulations
  • Road Safety (frequency of car accidents)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Somerset?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Somerset.

Compare the cheapest quotes from dozens of insurance companies

Somerset Insurance FAQs

What factors affect car insurance quotes in Somerset?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Somerset or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes