Compare Bays, KY Car Insurance Rates (2021)

Car insurance in Bays, KY averages $535 a month. Bays, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bays car insurance rates, compare quotes from the top car insurance companies in Bays, 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

  • The cheapest car insurance company in Bays for teen drivers is USAA
  • Average car insurance rates in Bays, KY after a DUI are $7,665/year
  • Average car insurance rates in Bays, KY are $6,416/year

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

You’ll find Bays car insurance rates, the cheapest Bays, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Bays, Kentucky car insurance rates to Henderson car insurance rates, Independence car insurance rates, and Frankfort car insurance rates.

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

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

How do age, gender, and marital status affect Bays, KY car insurance rates? Every Bays, 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 Bays, 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 $5,502 $5,406 $4,996 $5,355 $22,561 $25,040 $6,021 $6,315
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,647 $3,970 $3,089 $3,476 $14,992 $16,644 $3,803 $3,955
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $3,127 $2,961 $2,817 $2,824 $15,581 $17,682 $3,886 $3,944
State Farm $2,834 $2,834 $2,538 $2,538 $7,571 $9,319 $3,155 $3,437
Travelers $2,997 $3,047 $2,977 $2,976 $15,522 $25,211 $3,144 $3,581
USAA $2,027 $2,032 $1,830 $1,861 $5,444 $5,721 $2,563 $2,808

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Minimum Car Insurance in Bays, KY

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

Minimum Required Car Insurance Coverage in Bays, 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 Bays, KY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Bays, Kentucky

Insurance Company Poor Fair Good
Allstate $13,535 $9,266 $7,647
GEICO $8,861 $4,424 $2,884
Liberty Mutual $9,616 $5,863 $4,612
Nationwide $9,500 $7,372 $6,351
Progressive $7,385 $6,434 $5,990
State Farm $6,145 $3,746 $2,943
Travelers $8,281 $7,017 $6,998
USAA $4,518 $2,529 $2,060

Cheapest Bays, 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 Bays, KY to rates for a clean record with top companies.

Annual Bays, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,271 $11,022 $11,860 $9,444
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $5,577 $8,606 $6,674 $5,930
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,445 $8,126 $6,212 $6,628
State Farm $3,928 $4,628 $4,278 $4,278
Travelers $6,460 $6,644 $9,692 $6,931
USAA $2,286 $3,234 $3,872 $2,750

Cheapest Bays, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bays, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,561 $25,040
GEICO $8,902 $10,417
Liberty Mutual $14,992 $16,644
Nationwide $12,445 $15,350
Progressive $15,581 $17,682
State Farm $7,571 $9,319
Travelers $15,522 $25,211
USAA $5,444 $5,721

Cheapest Bays, KY Car Insurance for Seniors

Take a look at Bays, 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 Bays, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,996 $5,355
GEICO $4,595 $4,158
Liberty Mutual $3,089 $3,476
Nationwide $5,015 $5,208
Progressive $2,817 $2,824
State Farm $2,538 $2,538
Travelers $2,977 $2,976
USAA $1,830 $1,861

Cheapest Bays, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bays, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,860
GEICO $8,597
Liberty Mutual $6,674
Nationwide $10,137
Progressive $6,212
State Farm $4,278
Travelers $9,692
USAA $3,872

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Cheapest Bays, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bays, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,149 $10,149
GEICO $5,341 $5,438
Liberty Mutual $6,697 $6,697
Nationwide $7,741 $7,741
Progressive $6,603 $6,603
State Farm $4,167 $4,389
Travelers $7,432 $7,432
USAA $2,922 $3,149

The Best Cheap Car Insurance Companies in Bays, KY

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

Average Annual Car Insurance Rates by Company in Bays, Kentucky

Insurance Company Average Annual Rates
Allstate $10,149
GEICO $5,390
Liberty Mutual $6,697
Nationwide $7,741
Progressive $6,603
State Farm $4,278
Travelers $7,432
USAA $3,036

Category Winners: Cheapest Car Insurance in Bays, Kentucky

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

Best Annual Car Insurance Rates by Company in Bays, Kentucky

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

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Cheapest Bays, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bays, Kentucky

Insurance Company Low Medium High
Allstate $8,946 $10,086 $11,416
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,290 $6,645 $7,156
Nationwide $7,713 $7,608 $7,902
Progressive $5,998 $6,470 $7,340
State Farm $4,023 $4,266 $4,545
Travelers $6,981 $7,454 $7,860
USAA $2,890 $3,028 $3,189

Compare Car Insurance Quotes in Bays, KY

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

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