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Cheapest car insurance in Georgetown, Kentucky (Oct 2024)
Cheapest car insurance in Georgetown, Kentucky (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Georgetown, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Georgetown
- Best car insurance companies in Georgetown
- Best cheap car insurance quotes in Georgetown
- Average cost of car insurance in Georgetown
- Car insurance quotes in Georgetown by rating factors
- How do different factors impact your car insurance costs in Georgetown?
- Cheap car insurance quotes in Georgetown after driving violations
- Cheap car insurance quotes in Georgetown by age
- Cheap car insurance quotes in Georgetown based on insurance history
- Cheap car insurance quotes in Georgetown for popular cars
- How to lower car insurance costs in Georgetown
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Georgetown
The average rate in Georgetown is $100 per month for minimum coverage, or $1,202 per year. For full coverage it’s a bit more: $170 per month or $2,035 per year for the average driver.
Rates vary throughout
Kentucky
—and even throughout Georgetown—because every driver is unique. You might share a zip code with your neighbor, but you probably have a totally different driver profile.Ultimately, most Georgetown drivers can expect to pay less than the state average for coverage.
To find the best rate for you, shop around and compare options.
Jerry
is an insurance agency with a free app that helps you pull custom quotes from multiple companies—and it’s helped lots of Kentucky drivers find insurance coverage.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $214 | Jonathan, 32 Zip: 40324 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $103 | Anne, 32 Zip: 40324 | Buick Encore Preferred | • 50,000/100,000 Liability • Comp / Collision |
| State Auto | $151 | Lettie, 36 Zip: 40324 | Chevrolet Malibu 1LT | • State Minimum Liability |
Clearcover | $69 | Scott, 24 Zip: 40324 | KIA RIO LX | • State Minimum Liability • Comp / Collision |
Last Updated Oct 16, 2024Best car insurance companies in Georgetown
There is no single company that consistently offers the best rates. However, there are some trends for affordability among a few companies, according to a recent survey of Kentucky drivers.
Progressive
ranked well for policy cost satisfaction among Georgetown drivers surveyed, followed shortly by Liberty Mutual and Allstate
. Smaller insurers may offer better rates to locals, so don’t forget to pull quotes from Kentucky Farm Bureau and Shelter as well as national companies like
GEICO
.Here’s what real Kentucky drivers had to say about insurance companies in Georgetown. The survey asked more than 16,000 policyholders about 50+ top providers in the biggest nationwide insurance survey.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.5 | 4.3 | 4.2 | 4.6 |
| State Farm | 4.1 | 3.2 | N/A | 4.2 |
| Allstate | 3.8 | 3.4 | N/A | 4 |
Liberty Mutual | 3.7 | 3.4 | N/A | 3.8 |
| Geico | 3.7 | 3 | 3 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Georgetown
All drivers in Georgetown are subject to
Kentucky state car insurance laws
which mandate liability coverage
for every person on the road. The minimum coverage levels will keep you legally compliant, but they may not protect you and your assets in a serious accident. Failure to carry required coverage can trigger fines, jail time, and even registration revocation in Kentucky.
Cheap minimum liability insurance quotes in Georgetown
25/50/10 is the number you need to remember—this is the minimum legal liability coverage limit for all Kentucky drivers. It’s also the cheapest way to get auto insurance in Georgetown.
- $50,000 in bodily injury liability per accident
As an alternative, Kentucky also allows drivers to carry a single policy with a limit of $60,000.
In Kentucky, all policies come with $10,000 of basic PIP benefits as an automatic perk. By accepting this, you agree to limit your right to sue other drivers for bodily injury under $1,000.
Be aware that companies are required to offer KY drivers uninsured motorist coverage (UM) and personal injury protection (PIP). However, you can reject these in writing with no penalty using the
Kentucky No-Fault Rejection Form
because Kentucky is a “choice no-fault state.” 
Arthur (36 years old)
$191
per month
Chris (59 years old)
$96
per month
Rhoda (23 years old)
$116
per month
Clearcover
Scott (24 years old)
$69
per month
Do you need more than minimum coverage in Georgetown?
In terms of legality, you’re legal to drive if you have 25/50/10 in liability coverage in Georgetown. However, these levels may not cover costs if you cause a serious accident—and you’re still on the hook for injuries and damage you cause, even if your policy doesn’t cover it.
Consider if you total someone’s new car. You only have $10,000 in property damage coverage, but the average new car costs more than $40,000. If you don’t have $30,000 sitting around to replace someone’s car, then you may need higher liability levels.
Bodily injury coverage levels may not cover a lengthy hospital stay, either. Your policy gives you $50,000 of coverage, but that may not pay for extensive surgeries or recovery time if you seriously injure someone in an accident.
You should also be aware that drivers are allowed to file lawsuits up to two years after an accident under
Kentucky’s car accident laws
. Your liability extends for two years, too!For the best protection, experts recommend 50/100/50 or 100/300/100 for liability coverage. It may only cost you a few more dollars per month, but peace of mind is priceless.
Finally, what about your insurance needs for your own medical costs and recovery bills? Health insurance may cover some of these costs, but
full coverage
is the only way to ensure you yourself have protection, as liability only covers other parties and gives no protection to you or your vehicle—or your loved ones inside.Cheap full coverage car insurance quotes in Georgetown
Full coverage is optional in Kentucky, although some lenders can require borrowers to carry full coverage on financed vehicles.
- Comprehensive coverage: This covers non-collision damages, such as theft, wind storm damage, and vandalism. It’s subject to an out-of-pocket deductible.
- Collision coverage: This covers collision-related damage, like hitting an animal, mailbox, or other vehicle. There is a deductible for this coverage, too.
You can expect full coverage policies to cost about $70 more per month for the average driver—but you also get a lot more coverage.
Check out these example costs for Georgetown drivers with full coverage options.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $214 | Jonathan, 32 Zip: 40324 | Buick Encore Preferred |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $223 | Adrian, 24 Zip: 40324 | Chevrolet Colorado Z71 |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $103 | Anne, 32 Zip: 40324 | Buick Encore Preferred |
• State Minimum Liability • Comp / Collision | AAA | $180 | Luis, 33 Zip: 40324 | Toyota Corolla CE |
Last Updated Oct 11, 2024Comparing rates online gives you the best opportunity to find affordable coverage that suits your needs and wallet. When you shop free quotes online with Jerry, you can compare prices from some of the largest providers in the state.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Georgetown
The average driver will pay $170 per month for full coverage, or $100 per month for minimum coverage. That’s slightly cheaper than the state average in Kentucky.
Average rates can give you a sense of range, but they can’t tell you what you will pay for insurance. You may have more or fewer violations than the average driver, or you might prefer more coverage. You might even qualify for extra discounts!
Car insurance quotes in Georgetown by rating factors
Companies
use a formula
to calculate your insurance premium, and every company has its own unique algorithm. The formula takes into account your age, your profession, your zip code, your vehicle, and your driving record, among other things to assess your overall risk profile.Georgetown drivers will be assessed on these standard factors:
- Your make and model: Cars with higher theft rates and costlier parts will be more to insure—as will sports, performance, and luxury vehicles. Cheaper models with better safety features, on the other hand, cost less to insure.
- Your driving record and claims history: If you’ve filed a lot of claims and acquired a lot of violations, you’ll pay more for coverage than someone without anything on their record.
- Your age: Young drivers (and much older drivers) tend to pay more for insurance than drivers over 25 due to their limited experience.
- Your car’s location: Some zip codes have higher accident rates or theft rates, even within the same town.
- Usage: The more miles you drive, the more chances you face to get into an accident—which costs a company money. That’s why usage is a key factor in determining costs of your insurance products.
- Your credit score: Kentucky allows companies to use your credit score as a factor in assessing risk. Low credit drivers tend to file more claims, so they’re charged more for car insurance by most companies.
Formulas are not public knowledge, so the only way to find out which company offers the best rate is to pull custom quotes from multiple companies.
How do different factors impact your car insurance costs in Georgetown?
How do different factors impact your car insurance costs in Georgetown?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Kentucky currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Georgetown:
Cheap car insurance quotes in Georgetown after driving violations
Violations carry serious consequences—and negatively affect your car insurance rates, too. A single violation matters but a pattern of violations matters more to insurance companies because it marks you as a
high-risk driver
and predicts future risk.Expect sky-high premiums if you’re a Georgetown driver with any of these violations:
- Speeding tickets
- DUIs
- At-fault accidents
Other violations can pump up your rates, too, like
reckless driving
, driving without insurance, and driving on a suspended license. It’s not unusual to face challenges finding insurance if you’re a “high-risk driver” with violations on record. Jerry has helped Georgetown drivers who fit this profile—and you can see below for how.
Cheapest car insurance in Georgetown after speeding ticket
Speeding tickets trigger fines in Kentucky, and they can also bump up your insurance rates significantly.
Finding insurance after a speeding ticket can be tricky, but Jerry has helped these Georgetown drivers find affordable rates.
Last Updated Oct 15, 2024Cheapest car insurance in Georgetown after DUI
DUI convictions in Kentucky
are grounds for registration revocation, not to mention jail time and fines. You might also be denied coverage by your insurance company.Get insurance after a DUI in Georgetown with help from Jerry, like the drivers below.
Cheapest car insurance in Georgetown after an at-fault accident
At-fault accidents are a major red flag for insurance companies, so expect higher-than-average rates if you’ve caused any accidents in this at-fault state or elsewhere.
Georgetown drivers have found affordable rates after at-fault accidents—see below.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $184 | Phillip, 32 Zip: 40324 | Dodge Journey SXT | • State Minimum Liability • Comp / Collision |
Not At Fault | AAA | $177 | Derek, 23 Zip: 40324 | Jeep Grand Cherokee Laredo | • State Minimum Liability |
At Fault With No Injury | Safeco | $127 | Franklin, 32 Zip: 40324 | Lexus GX 470 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 16, 2024Cheapest car insurance in Georgetown after other driving violations
Careless driving, failing to obey a turn signal, and other minor violations can cause a rate hike in Georgetown.
Rates may eventually come back down after you prove yourself to be a safe driver, but meanwhile you might face rates like the ones below. Take a look at the price the driver is paying and what violation they committed.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $261 | Craig, 23 Zip: 40324 | Chevrolet Colorado Z71 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 16, 2024Cheap car insurance quotes in Georgetown by age
Age is just a number, but it’s a number that matters a lot to insurance providers because it’s correlated with risk. If you’re younger than 19 or older than 75, you’ll face higher rates than most other Georgetown drivers.
Cheapest car insurance in Georgetown for young drivers
Teen drivers
pay the highest rates of all groups in Georgetown. They have the least experience, the highest accident rates, and a higher likelihood of filing a claim. Once young drivers turn 25, rates tend to decrease. Until then, they can save money by staying on a parent’s policy and unlocking good student discounts by earning good grades.
Check out these rates from real Georgetown drivers who haven’t aged out of the 16-25 bracket yet.
Phillip (22 years old)
$297
per month
Carolyn (24 years old)
$165
per month
Clearcover
Scott (24 years old)
$69
per month
Rhoda (23 years old)
$116
per month
Cheapest car insurance in Georgetown for senior drivers
Senior car insurance
is also higher than average in Kentucky and elsewhere. With slower reflexes, higher accident rates, and higher recovery costs, older drivers have to pay higher prices to compensate for their elevated risk.If you’re an older driver in Georgetown, check out how Jerry helped similar drivers find savings on auto insurance.
Jane (70 years old)
$158
per month
Cheap car insurance quotes in Georgetown based on insurance history
Continuous coverage is preferred by car insurance companies because it shows predictability and responsibility. A
coverage lapse
can trigger higher-than-usual rates. You can still find insurance with a lapse—check out sample rates from Georgetown drivers who had a lapse and found coverage again.
Going forward,
Jerry
can help you avoid lapses by sending reminders to pay your premium and renew coverage.Gordon (32 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Georgetown, KY (Zip Code: 40324)
$214
per month
Landon (31 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Georgetown, KY (Zip Code: 40324)
$103
per month
Clearcover
Mabelle (23 years old)
$69
per month
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Cheap car insurance quotes in Georgetown for drivers with poor credit
Your credit score can impact your car insurance rates—and low credit means higher rates for most drivers. Companies can check your credit when you buy or renew a policy in Kentucky.
Premiums can spike up to 162%
higher for drivers with low credit scores in Kentucky. However, some companies weigh credit less heavily than others.Take a look at these real premiums from Georgetown drivers, and note their credit range.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $214 | Rebecca, 32 Zip: 40324 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $214 | Christine, 32 Zip: 40324 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | AAA | $180 | Rosa, 32 Zip: 40324 | Toyota Corolla CE | • State Minimum Liability • Comp / Collision |
< 550 | Bristol West | $170 | Edna, 32 Zip: 40324 | Dodge Durango Express | • State Minimum Liability • Comp / Collision |
Last Updated Oct 16, 2024Cheap car insurance quotes in Georgetown for popular cars
Every model has a unique risk profile. Some are easier to steal, some have luxury trim that costs a lot to replace, and others have excellent safety features that reduce the risk of getting into an accident. That’s why the
cheapest cars to insure
have good safety ratings and low repair costs.Popular models in Georgetown include:
Note that model year and trim level can affect your rates, too. Higher trims tend to have more complex technology and luxury finishes, which cost more to repair and replace. Safety ratings can change from one model year to the next, too.
Take a look at these rates in Georgetown, sorted by make and model.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Highlander SE | Progressive | $191 | Jerry, 35 Zip: 40324 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 16, 2024How to lower car insurance costs in Georgetown
From qualifying for discounts to changing your coverage levels, there are a lot of ways to cut costs.
1. Shop around and compare quotes.
Formulas change often, and every insurance company has its own unique algorithm. Pull quotes
every six months
when your policy is up for renewal to find out if another company offers a better rate for your needs. It’s free and fast to pull quotes with Jerry
.2. Increase your deductible for comprehensive and collision coverage.
Full coverage car insurance comes with
a deductible
. If your budget can comfortably accommodate a higher out-of-pocket cost, then raising your deductible can help you lower monthly costs without sacrificing coverage. 3. Hunt for car insurance discounts
All companies offer a range of discounts but they can vary slightly in reward and qualifications. Ask your insurance agent about some of these common discounts:
- Good student discounts: Full-time students with a B average or better can unlock a discount on their car insurance policy. You just need to provide proof of enrollment and grade point average.
- Good driver discount: With no points on your license, no violations, and no accidents, you can usually unlock a nice discount from your insurer.
- Telematics discounts: Telematics programs track your driving habits and reward you for safe driving behavior. You can usually get a discount just for signing up, too. Be aware that some companies will penalize you for bad driving behavior!
- Bundling discounts: Bundle your homeowners insurance or renters insurance with your auto insurance at the same company and you could unlock a hefty discount on both policies (like 15% overall). Agents are generally very happy to help you transfer a home insurance policy or renters policy to their company.
4. Remove duplicate coverage
In some cases, you might be paying twice for the same coverage. For example, some credit cards offer roadside assistance. Why pay for AAA if you already have free roadside coverage?
FAQ
How much is car insurance in Georgetown?
The average Georgetown driver will pay about $170 per month for full coverage or $100 per month for minimum coverage. That’s cheaper than the state average, but more expensive than the national average. Your rates may be higher or lower, depending on your unique driver profile.
What is the cheapest car insurance in Georgetown?
Progressive earns top ratings for policy cost satisfaction among Georgetown drivers, according to a recent survey. However, Allstate, Liberty Mutual, or Kentucky Farm Bureau might offer cheaper rates for your specific needs. It depends on what coverage you need, what discounts you can unlock, and what violations you have on record.
What is the best car insurance in Georgetown?
Progressive and State Farm earn strong ratings for customer satisfaction among car insurance companies in Georgetown, Kentucky. Make sure you consider price, claims handling, customer service, and financial stability ratings before you pick a company!
What is the minimum car insurance in Georgetown, Kentucky?
All Kentucky drivers must carry 25/50/10 in liability coverage. That’s $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage. While not legally required, you may wish to consider uninsured/underinsured motorist coverage to protect yourself against uninsured motorists.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.