Cheap Quotes for Lynch, KY Car Insurance (2021)

Lynch, Kentucky car insurance rates average $548 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Lynch, KY companies, you can find cheap Lynch car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Lynch has an average commute time of 27.4 minutes
  • Average car insurance rates in Lynch, KY are $548/month
  • Average car insurance rates in Lynch, KY for senior drivers are $3,601/year

How do the Lynch, Kentucky monthly average car insurance rates of $548/month compare to nearby cities like Florence car insurance rates, Owensboro car insurance rates, and Frankfort car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lynch, KY.

We’ll cover the Kentucky minimum coverage requirements, Kentucky car insurance laws, and Lynch, KY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lynch, Kentucky companies to find the most affordable Lynch car insurance rates.

Enter your ZIP code above to find cheap Lynch, KY car insurance quotes today.

What are the minimum Lynch, KY car insurance requirements?

To meet Kentucky minimum car insurance coverage requirements, Lynch, KY drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Lynch, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Lynch, KY car insurance rates?

Three of the criteria that most affect car insurance rates in Lynch, Kentucky are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lynch car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lynch, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,559 $5,486 $5,102 $5,415 $20,180 $22,365 $6,044 $6,320
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,421 $4,806 $3,690 $4,149 $19,867 $22,076 $4,646 $4,881
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,728 $2,574 $2,465 $2,468 $13,754 $15,588 $3,385 $3,430
State Farm $2,293 $2,293 $2,045 $2,045 $6,322 $8,012 $2,542 $2,807
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

How much do teen drivers pay for car insurance in Lynch, KY?

Lynch, Kentucky car insurance rates for teens are often higher than rates for other drivers. Compare Lynch car insurance rates from multiple Lynch, Kentucky car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Lynch, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,180 $22,365
GEICO $8,902 $10,417
Liberty Mutual $19,867 $22,076
Nationwide $13,093 $16,143
Progressive $13,754 $15,588
State Farm $6,322 $8,012
Travelers $17,425 $28,270
USAA $5,756 $6,065

How much do senior drivers pay for car insurance in Lynch, KY?

With a little research, seniors can find affordable car insurance in Lynch, Kentucky. Here’s a look at how the top Lynch car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Lynch, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,102 $5,415
GEICO $4,595 $4,158
Liberty Mutual $3,690 $4,149
Nationwide $5,260 $5,461
Progressive $2,465 $2,468
State Farm $2,045 $2,045
Travelers $3,397 $3,410
USAA $1,955 $1,999

How does coverage level affect Lynch, KY car insurance rates?

How much coverage do you need? Are you comfortable with the Kentucky minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lynch, KY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Lynch, Kentucky

Insurance Company Low Medium High
Allstate $8,332 $9,480 $10,865
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,116 $8,511 $9,074
Nationwide $8,122 $7,993 $8,280
Progressive $5,282 $5,693 $6,422
State Farm $3,300 $3,532 $3,803
Travelers $7,963 $8,447 $8,836
USAA $3,078 $3,229 $3,405

How does your driving record affect Lynch, KY car insurance rates?

Safe driving pays off. The more traffic violations you have in Lynch, KY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lynch, Kentucky companies.

Annual Lynch, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,951 $10,314 $11,017 $8,954
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,103 $11,043 $8,550 $7,572
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,783 $7,142 $5,456 $5,815
State Farm $3,268 $3,821 $3,545 $3,545
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,436 $3,454 $4,127 $2,933

How does a DUI affect Lynch, KY car insurance rates?

With even one DUI on your record, you can see an increase in your Lynch, KY car insurance rates.

Annual Car Insurance Rates After a DUI in Lynch, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,017
GEICO $8,597
Liberty Mutual $8,550
Nationwide $10,669
Progressive $5,456
State Farm $3,545
Travelers $10,948
USAA $4,127

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How does your credit history affect Lynch, KY car insurance rates?

Take a look at the data here to see how your Lynch, Kentucky car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Lynch, Kentucky

Insurance Company Poor Fair Good
Allstate $12,889 $8,658 $7,130
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,325 $7,503 $5,873
Nationwide $9,986 $7,742 $6,667
Progressive $6,470 $5,656 $5,272
State Farm $5,076 $3,109 $2,450
Travelers $9,396 $7,939 $7,911
USAA $4,820 $2,697 $2,196

How does your commute affect Lynch, KY car insurance rates?

Lynch, KY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Kentucky can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lynch if you’re financing.

Annual Car Insurance Rates by Commute Length in Lynch, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,559 $9,559
GEICO $5,341 $5,438
Liberty Mutual $8,567 $8,567
Nationwide $8,132 $8,132
Progressive $5,799 $5,799
State Farm $3,459 $3,631
Travelers $8,415 $8,415
USAA $3,114 $3,361

Who has the cheapest Lynch, KY car insurance rates?

Here’s a breakdown of Lynch, Kentucky car insurance rates by company. You can see which company offers the cheapest Lynch car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Lynch, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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What are the top Lynch, KY car insurance companies?

Which Lynch, Kentucky car insurance company will best fit your needs and budget? Check out this comparison of the top Lynch companies to find the one for you.

Average Annual Car Insurance Rates by Company in Lynch, Kentucky

Insurance Company Average Annual Rates
Allstate $9,559
GEICO $5,390
Liberty Mutual $8,567
Nationwide $8,132
Progressive $5,799
State Farm $3,545
Travelers $8,415
USAA $3,238

What factors affect Lynch, KY car insurance rates?

Why are Lynch, Kentucky car insurance rates different than rates in Florence or Owensboro? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Lynch, KY?

More time spent behind the wheel can lead to higher Lynch, Kentucky car insurance rates. In Lynch, KY, the average commute length is 27.4 minutes.

What is the traffic like in Lynch, KY

Like commute length, time spent in traffic also increase risk of accidents. Lynch, KY is listed as 467th in INRIX congested cities data.

Car Insurance Quotes for Lynch, KY

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