Compare Happy, KY Car Insurance Rates (2021)

Car insurance in Happy, KY averages $568 a month. Happy, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Happy car insurance rates, compare quotes from the top car insurance companies in Happy, 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 Happy for teen drivers is USAA
  • Average car insurance rates in Happy, KY are $6,813/year
  • Average car insurance rates in Happy, KY after a DUI are $8,132/year

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

You’ll find Happy car insurance rates, the cheapest Happy, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Happy, Kentucky car insurance rates to Owensboro car insurance rates, Covington car insurance rates, and Florence car insurance rates.

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

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

How do age, gender, and marital status affect Happy, KY car insurance rates? Every Happy, 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 Happy, 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 $5,559 $5,486 $5,102 $5,415 $20,181 $22,365 $6,045 $6,320
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,431 $4,824 $3,816 $4,285 $17,695 $19,543 $4,576 $4,679
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $3,084 $2,909 $2,787 $2,784 $15,683 $17,819 $3,834 $3,899
State Farm $2,713 $2,713 $2,406 $2,406 $7,418 $9,413 $3,010 $3,329
Travelers $3,877 $3,948 $3,824 $3,825 $19,700 $31,832 $4,059 $4,704
USAA $2,129 $2,132 $1,920 $1,951 $5,759 $6,052 $2,694 $2,950

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Minimum Car Insurance in Happy, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Happy, Kentucky

Insurance Company Poor Fair Good
Allstate $12,889 $8,658 $7,131
GEICO $8,861 $4,424 $2,884
Liberty Mutual $11,477 $6,984 $5,481
Nationwide $9,986 $7,742 $6,667
Progressive $7,360 $6,437 $6,002
State Farm $5,997 $3,658 $2,874
Travelers $10,586 $8,929 $8,898
USAA $4,761 $2,665 $2,170

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

Annual Happy, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,952 $10,314 $11,017 $8,954
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $6,633 $10,270 $7,952 $7,069
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $5,440 $8,130 $6,209 $6,620
State Farm $3,857 $4,496 $4,176 $4,176
Travelers $8,223 $8,466 $12,351 $8,844
USAA $2,405 $3,407 $4,086 $2,896

Cheapest Happy, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Happy, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,181 $22,365
GEICO $8,902 $10,417
Liberty Mutual $17,695 $19,543
Nationwide $13,093 $16,143
Progressive $15,683 $17,819
State Farm $7,418 $9,413
Travelers $19,700 $31,832
USAA $5,759 $6,052

Cheapest Happy, KY Car Insurance for Seniors

Take a look at Happy, 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 Happy, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,102 $5,415
GEICO $4,595 $4,158
Liberty Mutual $3,816 $4,285
Nationwide $5,260 $5,461
Progressive $2,787 $2,784
State Farm $2,406 $2,406
Travelers $3,824 $3,825
USAA $1,920 $1,951

Cheapest Happy, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Happy, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,017
GEICO $8,597
Liberty Mutual $7,952
Nationwide $10,669
Progressive $6,209
State Farm $4,176
Travelers $12,351
USAA $4,086

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Cheapest Happy, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Happy, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,559 $9,559
GEICO $5,341 $5,438
Liberty Mutual $7,981 $7,981
Nationwide $8,132 $8,132
Progressive $6,600 $6,600
State Farm $4,076 $4,277
Travelers $9,471 $9,471
USAA $3,079 $3,318

The Best Cheap Car Insurance Companies in Happy, KY

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

Average Annual Car Insurance Rates by Company in Happy, Kentucky

Insurance Company Average Annual Rates
Allstate $9,559
GEICO $5,390
Liberty Mutual $7,981
Nationwide $8,132
Progressive $6,600
State Farm $4,176
Travelers $9,471
USAA $3,198

Category Winners: Cheapest Car Insurance in Happy, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Happy, Kentucky

Insurance Company Low Medium High
Allstate $8,332 $9,480 $10,865
GEICO $4,884 $5,352 $5,934
Liberty Mutual $7,442 $7,908 $8,593
Nationwide $8,122 $7,993 $8,280
Progressive $6,020 $6,476 $7,303
State Farm $3,917 $4,164 $4,448
Travelers $8,978 $9,504 $9,932
USAA $3,050 $3,190 $3,355

Compare Car Insurance Quotes in Happy, KY

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

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