Compare Ashland, KY Car Insurance Rates (2021)

Car insurance in Ashland, KY averages $358 a month. Ashland, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ashland car insurance rates, compare quotes from the top car insurance companies in Ashland, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ashland, KY after a DUI are $5,162/year
  • The cheapest car insurance company in Ashland for teen drivers is USAA
  • The cheapest car insurance company in Ashland is State Farm

If you need to buy Ashland, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Ashland, KY is right here.

You’ll find Ashland car insurance rates, the cheapest Ashland, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Ashland, Kentucky car insurance rates to Florence car insurance rates, Hopkinsville car insurance rates, and Bowling Green car insurance rates.

Ready to find affordable Ashland, KY car insurance today? Enter your ZIP code for fast, free Ashland car insurance quotes.

Cheapest Ashland, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ashland, KY car insurance rates? Every Ashland, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ashland, 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 $3,450 $3,407 $3,130 $3,338 $13,025 $14,602 $3,799 $4,001
GEICO $3,709 $3,438 $3,873 $3,508 $7,451 $8,824 $3,033 $2,624
Liberty Mutual $2,823 $3,063 $2,442 $2,726 $10,870 $11,977 $2,926 $3,002
Nationwide $3,516 $3,512 $3,200 $3,331 $7,480 $9,251 $3,944 $4,119
Progressive $2,042 $1,938 $1,843 $1,847 $10,114 $11,443 $2,530 $2,573
State Farm $1,664 $1,664 $1,490 $1,490 $4,899 $6,203 $1,855 $2,067
Travelers $1,855 $1,889 $1,817 $1,826 $8,811 $14,243 $1,934 $2,218
USAA $1,780 $1,780 $1,612 $1,635 $4,806 $5,052 $2,246 $2,457

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Minimum Car Insurance in Ashland, KY

Every driver must carry the minimum car insurance in Ashland, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Ashland, 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

Cheapest Ashland, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ashland, KY. Compare credit history car insurance rates in Ashland from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ashland, Kentucky

Insurance Company Poor Fair Good
Allstate $8,083 $5,570 $4,630
GEICO $7,493 $3,742 $2,438
Liberty Mutual $7,119 $4,367 $3,451
Nationwide $5,864 $4,565 $3,953
Progressive $4,779 $4,185 $3,909
State Farm $3,845 $2,331 $1,824
Travelers $4,811 $4,088 $4,074
USAA $3,956 $2,233 $1,824

Cheapest Ashland, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ashland, KY to rates for a clean record with top companies.

Annual Ashland, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,039 $6,594 $7,047 $5,696
GEICO $2,691 $4,826 $7,418 $3,295
Liberty Mutual $4,158 $6,378 $4,961 $4,419
Nationwide $3,852 $4,925 $6,176 $4,223
Progressive $3,548 $5,269 $4,041 $4,306
State Farm $2,440 $2,893 $2,667 $2,667
Travelers $3,784 $3,889 $5,582 $4,041
USAA $2,011 $2,844 $3,407 $2,423

Cheapest Ashland, KY Car Insurance for Teen Drivers

Teen car insurance in Ashland, KY can be expensive. Take a look at rates from the top car insurance companies in Ashland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ashland, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,025 $14,602
GEICO $7,451 $8,824
Liberty Mutual $10,870 $11,977
Nationwide $7,480 $9,251
Progressive $10,114 $11,443
State Farm $4,899 $6,203
Travelers $8,811 $14,243
USAA $4,806 $5,052

Cheapest Ashland, KY Car Insurance for Seniors

Take a look at Ashland, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ashland, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,130 $3,338
GEICO $3,873 $3,508
Liberty Mutual $2,442 $2,726
Nationwide $3,200 $3,331
Progressive $1,843 $1,847
State Farm $1,490 $1,490
Travelers $1,817 $1,826
USAA $1,612 $1,635

Cheapest Ashland, KY Car Insurance Rates After a DUI

A DUI in Ashland, KY increases car insurance rates. Compare Ashland, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ashland, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,047
GEICO $7,418
Liberty Mutual $4,961
Nationwide $6,176
Progressive $4,041
State Farm $2,667
Travelers $5,582
USAA $3,407

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Cheapest Ashland, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ashland, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ashland, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,094 $6,094
GEICO $4,514 $4,601
Liberty Mutual $4,979 $4,979
Nationwide $4,794 $4,794
Progressive $4,291 $4,291
State Farm $2,601 $2,732
Travelers $4,324 $4,324
USAA $2,572 $2,771

Cheapest Ashland, KY Car Insurance Rates by ZIP Code

Ashland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ashland, KY.

Annual Car Insurance Rates by ZIP Code in Ashland, Kentucky

ZIP Code Average Annual Rates
41101 $3,823
41102 $3,806

The Best Cheap Car Insurance Companies in Ashland, KY

Take a look at a side-by-side comparison of the top car insurance companies in Ashland, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ashland, Kentucky

Insurance Company Average Annual Rates
Allstate $6,094
GEICO $4,557
Liberty Mutual $4,979
Nationwide $4,794
Progressive $4,291
State Farm $2,667
Travelers $4,324
USAA $2,671

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Category Winners: Cheapest Car Insurance in Ashland, Kentucky

Find the cheapest car insurance companies in Ashland, KY for each category right here.

Best Annual Car Insurance Rates by Company in Ashland, Kentucky

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

Cheapest Ashland, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ashland car insurance rates. Find the cheapest Ashland, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ashland, Kentucky

Insurance Company Low Medium High
Allstate $5,593 $6,067 $6,622
GEICO $4,251 $4,551 $4,871
Liberty Mutual $4,706 $4,941 $5,290
Nationwide $4,753 $4,727 $4,902
Progressive $3,904 $4,226 $4,743
State Farm $2,497 $2,661 $2,841
Travelers $4,072 $4,342 $4,558
USAA $2,539 $2,665 $2,810

What affects car insurance rates in Ashland, Kentucky?

What factors can have an impact on Ashland, KY car insurance? There are several reasons why Ashland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ashland, Kentucky.

Commute Time in Ashland

The more time you spend in your car the higher the risk of an accident. The average commute length in Ashland, KY is 20.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Ashland, KY

Ready to find affordable Ashland, Kentucky car insurance today? Enter your ZIP code for fast, free Ashland, KY car insurance quotes.

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