Compare Garner, KY Car Insurance Rates (2021)

Car insurance in Garner, KY averages $566 a month. Garner, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Garner car insurance rates, compare quotes from the top car insurance companies in Garner, 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 Garner for teen drivers is USAA
  • The cheapest car insurance company in Garner is USAA
  • Average car insurance rates in Garner, KY are $6,791/year

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

You’ll find Garner car insurance rates, the cheapest Garner, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Garner, Kentucky car insurance rates to Nicholasville car insurance rates, Florence car insurance rates, and Richmond car insurance rates.

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

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

How do age, gender, and marital status affect Garner, KY car insurance rates? Every Garner, 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 Garner, 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 $5,387 $5,301 $4,961 $5,262 $19,837 $21,974 $5,819 $6,068
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,413 $4,797 $3,683 $4,140 $19,840 $22,048 $4,638 $4,875
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $3,346 $3,160 $3,012 $3,010 $16,919 $19,246 $4,167 $4,262
State Farm $2,834 $2,834 $2,538 $2,538 $7,571 $9,319 $3,155 $3,437
Travelers $3,501 $3,569 $3,424 $3,440 $17,513 $28,421 $3,655 $4,253
USAA $2,046 $2,062 $1,848 $1,893 $5,350 $5,640 $2,593 $2,854

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Minimum Car Insurance in Garner, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Garner, Kentucky

Insurance Company Poor Fair Good
Allstate $12,576 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,308 $7,492 $5,864
Nationwide $9,986 $7,742 $6,667
Progressive $7,971 $6,962 $6,487
State Farm $6,145 $3,746 $2,943
Travelers $9,462 $7,991 $7,963
USAA $4,520 $2,528 $2,059

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

Annual Garner, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,065 $10,784 $8,728
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,093 $11,026 $8,537 $7,561
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $5,887 $8,778 $6,726 $7,170
State Farm $3,928 $4,628 $4,278 $4,278
Travelers $7,374 $7,591 $11,015 $7,908
USAA $2,290 $3,241 $3,858 $2,753

Cheapest Garner, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garner, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,837 $21,974
GEICO $8,902 $10,417
Liberty Mutual $19,840 $22,048
Nationwide $13,093 $16,143
Progressive $16,919 $19,246
State Farm $7,571 $9,319
Travelers $17,513 $28,421
USAA $5,350 $5,640

Cheapest Garner, KY Car Insurance for Seniors

Take a look at Garner, 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 Garner, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,961 $5,262
GEICO $4,595 $4,158
Liberty Mutual $3,683 $4,140
Nationwide $5,260 $5,461
Progressive $3,012 $3,010
State Farm $2,538 $2,538
Travelers $3,424 $3,440
USAA $1,848 $1,893

Cheapest Garner, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garner, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,784
GEICO $8,597
Liberty Mutual $8,537
Nationwide $10,669
Progressive $6,726
State Farm $4,278
Travelers $11,015
USAA $3,858

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Cheapest Garner, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garner, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $8,554 $8,554
Nationwide $8,132 $8,132
Progressive $7,140 $7,140
State Farm $4,167 $4,389
Travelers $8,472 $8,472
USAA $2,919 $3,153

The Best Cheap Car Insurance Companies in Garner, KY

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

Average Annual Car Insurance Rates by Company in Garner, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $8,554
Nationwide $8,132
Progressive $7,140
State Farm $4,278
Travelers $8,472
USAA $3,036

Category Winners: Cheapest Car Insurance in Garner, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Garner, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,633
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,105 $8,499 $9,059
Nationwide $8,122 $7,993 $8,280
Progressive $6,596 $7,026 $7,799
State Farm $4,023 $4,266 $4,545
Travelers $8,021 $8,504 $8,891
USAA $2,877 $3,027 $3,203

Compare Car Insurance Quotes in Garner, KY

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

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