For a 40-year-old driver with a clean record, car insurance in Georgetown, KY, averages about $197 a month ($2,369 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 14% under Kentucky’s $229 monthly average. Travelers has the lowest full-coverage average in our Georgetown table, at about $116 a month.
Georgetown, just north of Lexington on Interstate 75, costs less to insure than most of Kentucky. Our benchmark driver pays about $32 a month less here than the state average. Compare Georgetown, KY car insurance quotes with these figures.
Our data has one Georgetown ZIP code, 40324, so the city average is that ZIP code’s average.
Cost data comes from the auto rates insurers file with state regulators, priced in Georgetown’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, car insurance in Georgetown, KY, runs about $197 a month ($2,369 a year) for full coverage, or $69 for liability-only coverage at 25/50/10 limits, using rates insurers had filed with state regulators as of Aug. 31, 2026. The Kentucky average is $229 a month, so that figure is 14% lower.
Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, State Farm and Kentucky Farm Bureau are effectively tied for the lowest average among these five insurers, at about $53 and $54 a month.
Full-coverage averages by insurer in Georgetown
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $731 | $61 | $1,594 | $133 |
| State Farm | $636 | $53 | $1,794 | $150 |
| Safeco | $771 | $64 | $2,314 | $193 |
| Kentucky Farm Bureau | $646 | $54 | $2,735 | $228 |
| Allstate | $1,336 | $111 | $3,408 | $284 |
| Travelers* | $549 | $46 | $1,388 | $116 |
| Shelter Insurance* | $731 | $61 | $1,620 | $135 |
| GEICO* | $622 | $52 | $1,764 | $147 |
| Auto-Owners* | $692 | $58 | $1,936 | $161 |
| Georgetown average | $824 | $69 | $2,369 | $197 |
This table uses Georgetown’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $38 a year on average in our Georgetown data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Safeco charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Georgetown ZIP code, full coverage averaged $2,549 a year nine months earlier and $2,369 in rates as of Aug. 31, 2026, a 7.1% drop. Progressive cut its Georgetown average 20.6%, Kentucky Farm Bureau 10.1% and State Farm 9.0%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.1%, led by Progressive, which cut its liability-only average 16.0%, while Kentucky Farm Bureau raised its 1.9%.
Scott County averages $2,369 a year for full coverage, among the lowest of the 99 Kentucky counties we price, and Georgetown is priced close to Lexington ($198 a month), while Paris, in Bourbon County, averages $209.
Your bill also carries a local premium tax. Georgetown charges 8% on car insurance for 2026-27, according to the Kentucky Department of Insurance’s local premium tax schedule, or about $80 on a $1,000 premium. Our Kentucky car insurance tax by city guide lists the rate for every Kentucky city and county.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Lexington, about 12 miles south, averages $198 a month, and Frankfort, about 17 miles west, $207. Nicholasville, about 23 miles south, averages $193.
Drivers in Georgetown follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Georgetown, KY, costs about $197 a month ($2,369 a year) for full coverage and $69 for liability-only coverage at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% below the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Georgetown table, at about $116 a month, followed by Progressive at $133, the lowest of the five major insurers we compared; State Farm is next among them, at $150. For liability-only coverage at 25/50/10 limits, State Farm and Kentucky Farm Bureau are effectively tied for the lowest average among the five major insurers we compared. Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. Kentucky lets cities and counties tax insurance premiums, and Georgetown’s rate on car insurance is 8% for 2026-27, according to the Kentucky Department of Insurance’s schedule, or about $80 on a $1,000 premium. Your insurer must show the tax and the taxing jurisdiction on your bill.
About the same, for our benchmark driver. Georgetown full coverage averages about $197 a month and Lexington about $198.
In our Georgetown data, full coverage (100/300/100 with $500 deductibles) averages about $197 a month and liability-only coverage at 25/50/10 limits about $69, a difference of about $128 a month ($1,545 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kentucky law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Georgetown must carry Kentucky’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (or a single $60,000 limit), $10,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per crash unless you reject it in writing. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Georgetown full coverage fell 7.1% over the past nine months, from about $2,549 to $2,369 a year. Progressive cut its Georgetown average 20.6%, Kentucky Farm Bureau 10.1% and State Farm 9.0%. Liability-only coverage at 25/50/10 limits fell 4.1%.
For our benchmark driver, full coverage in Georgetown averages about $197 a month. Nearby, Lexington averages about $198, Frankfort about $207 and Nicholasville about $193. Nicholasville is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
