Compare Hardinsburg, KY Car Insurance Rates (2021)

Car insurance in Hardinsburg, KY averages $360 a month. Hardinsburg, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hardinsburg car insurance rates, compare quotes from the top car insurance companies in Hardinsburg, 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

  • The cheapest car insurance company in Hardinsburg is USAA
  • Average car insurance rates in Hardinsburg, KY are $4,323/year
  • The cheapest car insurance company in Hardinsburg for teen drivers is USAA

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

You’ll find Hardinsburg car insurance rates, the cheapest Hardinsburg, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Hardinsburg, Kentucky car insurance rates to Nicholasville car insurance rates, Hopkinsville car insurance rates, and Covington car insurance rates.

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

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

How do age, gender, and marital status affect Hardinsburg, KY car insurance rates? Every Hardinsburg, 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 Hardinsburg, 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 $3,096 $3,070 $2,788 $2,972 $11,246 $12,625 $3,450 $3,658
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,703 $2,926 $2,303 $2,573 $11,335 $12,534 $2,816 $2,915
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,211 $2,112 $1,975 $1,988 $10,571 $11,976 $2,746 $2,816
State Farm $2,231 $2,231 $1,997 $1,997 $6,758 $8,534 $2,490 $2,800
Travelers $2,195 $2,234 $2,154 $2,159 $10,487 $16,822 $2,293 $2,649
USAA $1,944 $1,953 $1,748 $1,785 $5,158 $5,444 $2,465 $2,707

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Minimum Car Insurance in Hardinsburg, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Hardinsburg, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,156 $4,407 $3,476
Nationwide $4,672 $3,666 $3,197
Progressive $5,097 $4,429 $4,122
State Farm $5,250 $3,168 $2,471
Travelers $5,715 $4,838 $4,819
USAA $4,321 $2,415 $1,966

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

Annual Hardinsburg, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,462 $5,800 $6,170 $5,021
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,178 $6,433 $4,999 $4,442
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,764 $5,559 $4,296 $4,579
State Farm $3,311 $3,948 $3,630 $3,630
Travelers $4,469 $4,598 $6,638 $4,792
USAA $2,183 $3,094 $3,697 $2,629

Cheapest Hardinsburg, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardinsburg, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,246 $12,625
GEICO $6,851 $8,131
Liberty Mutual $11,335 $12,534
Nationwide $6,037 $7,550
Progressive $10,571 $11,976
State Farm $6,758 $8,534
Travelers $10,487 $16,822
USAA $5,158 $5,444

Cheapest Hardinsburg, KY Car Insurance for Seniors

Take a look at Hardinsburg, 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 Hardinsburg, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,788 $2,972
GEICO $3,510 $3,179
Liberty Mutual $2,303 $2,573
Nationwide $2,519 $2,640
Progressive $1,975 $1,988
State Farm $1,997 $1,997
Travelers $2,154 $2,159
USAA $1,748 $1,785

Cheapest Hardinsburg, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardinsburg, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,170
GEICO $6,731
Liberty Mutual $4,999
Nationwide $4,997
Progressive $4,296
State Farm $3,630
Travelers $6,638
USAA $3,697

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Cheapest Hardinsburg, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardinsburg, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,363 $5,363
GEICO $4,119 $4,197
Liberty Mutual $5,013 $5,013
Nationwide $3,845 $3,845
Progressive $4,549 $4,549
State Farm $3,543 $3,717
Travelers $5,124 $5,124
USAA $2,793 $3,009

The Best Cheap Car Insurance Companies in Hardinsburg, KY

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

Average Annual Car Insurance Rates by Company in Hardinsburg, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,158
Liberty Mutual $5,013
Nationwide $3,845
Progressive $4,549
State Farm $3,630
Travelers $5,124
USAA $2,901

Category Winners: Cheapest Car Insurance in Hardinsburg, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Hardinsburg, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,758 $4,980 $5,302
Nationwide $3,908 $3,801 $3,826
Progressive $4,220 $4,493 $4,936
State Farm $3,432 $3,626 $3,831
Travelers $4,866 $5,148 $5,359
USAA $2,776 $2,894 $3,031

What affects car insurance rates in Hardinsburg, Kentucky?

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

Commute Time in Hardinsburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Hardinsburg, KY is 23.4 minutes according to City-Data.

Compare Car Insurance Quotes in Hardinsburg, KY

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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