Compare Gray, KY Car Insurance Rates (2021)

Car insurance in Gray, KY averages $477 a month. Gray, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gray car insurance rates, compare quotes from the top car insurance companies in Gray, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Gray, KY after a DUI are $6,889/year
  • The cheapest car insurance company in Gray for teen drivers is USAA
  • The cheapest car insurance company in Gray is USAA

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

You’ll find Gray car insurance rates, the cheapest Gray, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Gray, Kentucky car insurance rates to Richmond car insurance rates, Frankfort car insurance rates, and Hopkinsville car insurance rates.

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

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

How do age, gender, and marital status affect Gray, KY car insurance rates? Every Gray, 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 Gray, 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 $6,193 $6,096 $5,686 $6,046 $23,358 $25,865 $6,713 $7,007
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,869 $3,121 $2,470 $2,768 $10,637 $11,754 $2,983 $3,083
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,670 $2,520 $2,422 $2,422 $13,547 $15,348 $3,312 $3,343
State Farm $2,008 $2,008 $1,788 $1,788 $5,483 $6,960 $2,226 $2,452
Travelers $3,078 $3,129 $3,057 $3,056 $15,976 $25,955 $3,229 $3,679
USAA $2,013 $2,009 $1,822 $1,843 $5,518 $5,784 $2,539 $2,772

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Minimum Car Insurance in Gray, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Gray, Kentucky

Insurance Company Poor Fair Good
Allstate $14,646 $9,859 $8,107
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,105 $4,341 $3,437
Nationwide $7,021 $5,495 $4,763
Progressive $6,348 $5,559 $5,187
State Farm $4,424 $2,709 $2,134
Travelers $8,519 $7,218 $7,198
USAA $4,506 $2,537 $2,069

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

Annual Gray, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,981 $11,748 $12,591 $10,161
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,153 $6,345 $4,940 $4,405
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,699 $7,030 $5,354 $5,709
State Farm $2,852 $3,326 $3,089 $3,089
Travelers $6,644 $6,833 $9,973 $7,129
USAA $2,284 $3,231 $3,884 $2,751

Cheapest Gray, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gray, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,358 $25,865
GEICO $7,942 $9,404
Liberty Mutual $10,637 $11,754
Nationwide $9,302 $11,583
Progressive $13,547 $15,348
State Farm $5,483 $6,960
Travelers $15,976 $25,955
USAA $5,518 $5,784

Cheapest Gray, KY Car Insurance for Seniors

Take a look at Gray, 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 Gray, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,686 $6,046
GEICO $4,003 $3,626
Liberty Mutual $2,470 $2,768
Nationwide $3,677 $3,839
Progressive $2,422 $2,422
State Farm $1,788 $1,788
Travelers $3,057 $3,056
USAA $1,822 $1,843

Cheapest Gray, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gray, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,591
GEICO $7,717
Liberty Mutual $4,940
Nationwide $7,562
Progressive $5,354
State Farm $3,089
Travelers $9,973
USAA $3,884

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Cheapest Gray, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gray, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,870 $10,870
GEICO $4,724 $4,814
Liberty Mutual $4,961 $4,961
Nationwide $5,760 $5,760
Progressive $5,698 $5,698
State Farm $3,014 $3,164
Travelers $7,645 $7,645
USAA $2,925 $3,150

The Best Cheap Car Insurance Companies in Gray, KY

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

Average Annual Car Insurance Rates by Company in Gray, Kentucky

Insurance Company Average Annual Rates
Allstate $10,870
GEICO $4,769
Liberty Mutual $4,961
Nationwide $5,760
Progressive $5,698
State Farm $3,089
Travelers $7,645
USAA $3,037

Category Winners: Cheapest Car Insurance in Gray, Kentucky

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

Best Annual Car Insurance Rates by Company in Gray, 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

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Cheapest Gray, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gray, Kentucky

Insurance Company Low Medium High
Allstate $9,414 $10,780 $12,417
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,685 $4,923 $5,274
Nationwide $5,806 $5,676 $5,797
Progressive $5,118 $5,579 $6,397
State Farm $2,865 $3,075 $3,326
Travelers $7,182 $7,668 $8,084
USAA $2,887 $3,029 $3,196

What affects car insurance rates in Gray, Kentucky?

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

Commute Time in Gray

The more time you spend in your car the higher the risk of an accident. The average commute length in Gray, KY is 20.3 minutes according to City-Data.

Compare Car Insurance Quotes in Gray, KY

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

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