Compare Drake, KY Car Insurance Rates (2021)

Car insurance in Drake, KY averages $399 a month. Drake, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Drake car insurance rates, compare quotes from the top car insurance companies in Drake, 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 Drake, KY after a DUI are $5,565/year
  • Average car insurance rates in Drake, KY are $4,786/year
  • The cheapest car insurance company in Drake for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Drake, KY car insurance rates? Every Drake, 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 Drake, 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 $2,927 $2,896 $2,646 $2,818 $10,724 $12,043 $3,242 $3,428
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,152 $2,325 $1,844 $2,050 $8,885 $9,804 $2,243 $2,321
Nationwide $2,859 $2,851 $2,591 $2,696 $6,391 $7,916 $3,240 $3,385
Progressive $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $1,720 $1,720 $1,541 $1,541 $4,940 $6,156 $1,924 $2,117
Travelers $2,424 $2,468 $2,380 $2,382 $11,580 $18,510 $2,533 $2,942
USAA $1,600 $1,599 $1,453 $1,472 $4,268 $4,488 $2,010 $2,194

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Minimum Car Insurance in Drake, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Drake, Kentucky

Insurance Company Poor Fair Good
Allstate $6,731 $4,656 $3,885
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,626 $3,480 $2,753
Nationwide $4,839 $3,817 $3,317
Progressive $11,547 $10,089 $9,405
State Farm $3,918 $2,363 $1,842
Travelers $6,314 $5,333 $5,310
USAA $3,531 $1,995 $1,631

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

Annual Drake, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,228 $5,504 $5,867 $4,764
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,301 $5,060 $3,943 $3,508
Nationwide $3,188 $4,103 $5,170 $3,503
Progressive $8,524 $12,744 $9,734 $10,386
State Farm $2,473 $2,943 $2,708 $2,708
Travelers $4,923 $5,067 $7,331 $5,288
USAA $1,802 $2,540 $3,032 $2,169

Cheapest Drake, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Drake, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,724 $12,043
GEICO $6,851 $8,131
Liberty Mutual $8,885 $9,804
Nationwide $6,391 $7,916
Progressive $24,595 $27,972
State Farm $4,940 $6,156
Travelers $11,580 $18,510
USAA $4,268 $4,488

Cheapest Drake, KY Car Insurance for Seniors

Take a look at Drake, 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 Drake, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,646 $2,818
GEICO $3,510 $3,179
Liberty Mutual $1,844 $2,050
Nationwide $2,591 $2,696
Progressive $4,345 $4,341
State Farm $1,541 $1,541
Travelers $2,380 $2,382
USAA $1,453 $1,472

Cheapest Drake, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Drake, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,867
GEICO $6,731
Liberty Mutual $3,943
Nationwide $5,170
Progressive $9,734
State Farm $2,708
Travelers $7,331
USAA $3,032

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Cheapest Drake, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Drake, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,091 $5,091
GEICO $4,119 $4,197
Liberty Mutual $3,953 $3,953
Nationwide $3,991 $3,991
Progressive $10,347 $10,347
State Farm $2,636 $2,779
Travelers $5,652 $5,652
USAA $2,297 $2,474

The Best Cheap Car Insurance Companies in Drake, KY

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

Average Annual Car Insurance Rates by Company in Drake, Kentucky

Insurance Company Average Annual Rates
Allstate $5,091
GEICO $4,158
Liberty Mutual $3,953
Nationwide $3,991
Progressive $10,347
State Farm $2,708
Travelers $5,652
USAA $2,386

Category Winners: Cheapest Car Insurance in Drake, Kentucky

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

Best Annual Car Insurance Rates by Company in Drake, 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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Cheapest Drake, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Drake, Kentucky

Insurance Company Low Medium High
Allstate $4,760 $5,072 $5,440
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,770 $3,928 $4,160
Nationwide $4,029 $3,950 $3,995
Progressive $9,463 $10,162 $11,416
State Farm $2,551 $2,706 $2,866
Travelers $5,389 $5,679 $5,889
USAA $2,264 $2,380 $2,513

What affects car insurance rates in Drake, Kentucky?

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

Commute Time in Drake

The more time you spend in your car the higher the risk of an accident. The average commute length in Drake, KY is 28.4 minutes according to City-Data.

Compare Car Insurance Quotes in Drake, KY

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

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