Compare Hardyville, KY Car Insurance Rates (2021)

Car insurance in Hardyville, KY averages $371 a month. Hardyville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hardyville car insurance rates, compare quotes from the top car insurance companies in Hardyville, 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 Hardyville, KY after a DUI are $5,322/year
  • Average car insurance rates in Hardyville, KY are $4,452/year
  • The cheapest car insurance company in Hardyville is USAA

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

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

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

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

How do age, gender, and marital status affect Hardyville, KY car insurance rates? Every Hardyville, 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 Hardyville, 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 $3,050 $3,017 $2,762 $2,944 $11,310 $12,681 $3,371 $3,557
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,918 $3,176 $2,513 $2,816 $10,549 $11,656 $3,039 $3,148
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,260 $2,165 $2,012 $2,032 $10,611 $12,006 $2,805 $2,876
State Farm $2,144 $2,144 $1,916 $1,916 $6,419 $8,114 $2,392 $2,683
Travelers $2,561 $2,610 $2,502 $2,509 $12,191 $19,525 $2,673 $3,120
USAA $1,890 $1,896 $1,703 $1,736 $5,010 $5,281 $2,389 $2,619

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Minimum Car Insurance in Hardyville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Hardyville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,064 $4,880 $4,066
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,134 $4,350 $3,447
Nationwide $5,239 $4,104 $3,569
Progressive $5,161 $4,471 $4,156
State Farm $5,011 $3,026 $2,361
Travelers $6,661 $5,624 $5,600
USAA $4,193 $2,344 $1,909

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

Annual Hardyville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,426 $5,771 $6,157 $4,992
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,172 $6,361 $4,955 $4,420
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,804 $5,608 $4,341 $4,630
State Farm $3,166 $3,765 $3,466 $3,466
Travelers $5,195 $5,348 $7,727 $5,576
USAA $2,123 $3,002 $3,584 $2,554

Cheapest Hardyville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardyville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,310 $12,681
GEICO $6,851 $8,131
Liberty Mutual $10,549 $11,656
Nationwide $6,819 $8,506
Progressive $10,611 $12,006
State Farm $6,419 $8,114
Travelers $12,191 $19,525
USAA $5,010 $5,281

Cheapest Hardyville, KY Car Insurance for Seniors

Take a look at Hardyville, 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 Hardyville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,762 $2,944
GEICO $3,510 $3,179
Liberty Mutual $2,513 $2,816
Nationwide $2,800 $2,930
Progressive $2,012 $2,032
State Farm $1,916 $1,916
Travelers $2,502 $2,509
USAA $1,703 $1,736

Cheapest Hardyville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardyville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,157
GEICO $6,731
Liberty Mutual $4,955
Nationwide $5,612
Progressive $4,341
State Farm $3,466
Travelers $7,727
USAA $3,584

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Cheapest Hardyville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardyville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,337 $5,337
GEICO $4,119 $4,197
Liberty Mutual $4,977 $4,977
Nationwide $4,304 $4,304
Progressive $4,596 $4,596
State Farm $3,382 $3,549
Travelers $5,961 $5,961
USAA $2,711 $2,920

The Best Cheap Car Insurance Companies in Hardyville, KY

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

Average Annual Car Insurance Rates by Company in Hardyville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,337
GEICO $4,158
Liberty Mutual $4,977
Nationwide $4,304
Progressive $4,596
State Farm $3,466
Travelers $5,961
USAA $2,816

Category Winners: Cheapest Car Insurance in Hardyville, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Hardyville, Kentucky

Insurance Company Low Medium High
Allstate $4,936 $5,314 $5,760
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,711 $4,940 $5,279
Nationwide $4,380 $4,252 $4,281
Progressive $4,259 $4,538 $4,990
State Farm $3,273 $3,462 $3,663
Travelers $5,690 $5,992 $6,202
USAA $2,690 $2,809 $2,948

What affects car insurance rates in Hardyville, Kentucky?

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

Commute Time in Hardyville

The more time you spend in your car the higher the risk of an accident. The average commute length in Hardyville, KY is 30.0 minutes according to City-Data.

Compare Car Insurance Quotes in Hardyville, KY

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

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