Compare Hazard, KY Car Insurance Rates (2021)

Car insurance in Hazard, KY averages $550 a month. Hazard, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hazard car insurance rates, compare quotes from the top car insurance companies in Hazard, 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 Hazard, KY after a DUI are $7,920/year
  • The cheapest car insurance company in Hazard is USAA
  • Average car insurance rates in Hazard, KY are $6,603/year

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

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

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

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

How do age, gender, and marital status affect Hazard, KY car insurance rates? Every Hazard, 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 Hazard, 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 $5,182 $5,109 $4,753 $5,047 $19,025 $21,111 $5,632 $5,891
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,212 $4,590 $3,644 $4,096 $16,257 $17,956 $4,337 $4,416
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,768 $2,613 $2,505 $2,505 $14,014 $15,900 $3,437 $3,481
State Farm $2,735 $2,735 $2,426 $2,426 $7,492 $9,504 $3,034 $3,358
Travelers $3,984 $4,056 $3,930 $3,930 $20,277 $32,769 $4,171 $4,835
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 Hazard, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Hazard, Kentucky

Insurance Company Poor Fair Good
Allstate $12,068 $8,134 $6,703
GEICO $8,861 $4,424 $2,884
Liberty Mutual $10,690 $6,509 $5,117
Nationwide $9,986 $7,742 $6,667
Progressive $6,582 $5,757 $5,369
State Farm $6,051 $3,690 $2,900
Travelers $10,892 $9,186 $9,154
USAA $4,520 $2,528 $2,059

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

Annual Hazard, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,442 $9,682 $10,355 $8,395
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $6,193 $9,563 $7,406 $6,593
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,868 $7,275 $5,550 $5,918
State Farm $3,890 $4,537 $4,214 $4,214
Travelers $8,459 $8,709 $12,710 $9,098
USAA $2,290 $3,241 $3,858 $2,753

Cheapest Hazard, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hazard, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,025 $21,111
GEICO $8,902 $10,417
Liberty Mutual $16,257 $17,956
Nationwide $13,093 $16,143
Progressive $14,014 $15,900
State Farm $7,492 $9,504
Travelers $20,277 $32,769
USAA $5,350 $5,640

Cheapest Hazard, KY Car Insurance for Seniors

Take a look at Hazard, 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 Hazard, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,753 $5,047
GEICO $4,595 $4,158
Liberty Mutual $3,644 $4,096
Nationwide $5,260 $5,461
Progressive $2,505 $2,505
State Farm $2,426 $2,426
Travelers $3,930 $3,930
USAA $1,848 $1,893

Cheapest Hazard, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hazard, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,355
GEICO $8,597
Liberty Mutual $7,406
Nationwide $10,669
Progressive $5,550
State Farm $4,214
Travelers $12,710
USAA $3,858

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Cheapest Hazard, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hazard, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,969 $8,969
GEICO $5,341 $5,438
Liberty Mutual $7,438 $7,438
Nationwide $8,132 $8,132
Progressive $5,903 $5,903
State Farm $4,112 $4,315
Travelers $9,744 $9,744
USAA $2,919 $3,153

The Best Cheap Car Insurance Companies in Hazard, KY

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

Average Annual Car Insurance Rates by Company in Hazard, Kentucky

Insurance Company Average Annual Rates
Allstate $8,969
GEICO $5,390
Liberty Mutual $7,439
Nationwide $8,132
Progressive $5,903
State Farm $4,214
Travelers $9,744
USAA $3,036

Category Winners: Cheapest Car Insurance in Hazard, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Hazard, Kentucky

Insurance Company Low Medium High
Allstate $7,864 $8,898 $10,144
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,900 $7,365 $8,051
Nationwide $8,122 $7,993 $8,280
Progressive $5,341 $5,784 $6,584
State Farm $3,954 $4,202 $4,485
Travelers $9,238 $9,777 $10,217
USAA $2,877 $3,027 $3,203

What affects car insurance rates in Hazard, Kentucky?

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

Commute Time in Hazard

The more time you spend in your car the higher the risk of an accident. The average commute length in Hazard, KY is 14.8 minutes according to City-Data.

Compare Car Insurance Quotes in Hazard, KY

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

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