Compare Henderson, KY Car Insurance Rates (2021)

Car insurance in Henderson, KY averages $321 a month. Henderson, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Henderson car insurance rates, compare quotes from the top car insurance companies in Henderson, 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 Henderson is USAA
  • Average car insurance rates in Henderson, KY after a DUI are $4,596/year
  • Average car insurance rates in Henderson, KY are $3,848/year

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

You’ll find Henderson car insurance rates, the cheapest Henderson, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Henderson, Kentucky car insurance rates to Owensboro car insurance rates, Frankfort car insurance rates, and Nicholasville car insurance rates.

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

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

How do age, gender, and marital status affect Henderson, KY car insurance rates? Every Henderson, 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 Henderson, 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 $2,999 $2,974 $2,699 $2,879 $10,920 $12,265 $3,344 $3,545
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,562 $2,776 $2,195 $2,447 $10,232 $11,292 $2,675 $2,774
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,844 $1,748 $1,663 $1,669 $9,100 $10,267 $2,280 $2,319
State Farm $1,845 $1,845 $1,646 $1,646 $5,523 $6,994 $2,060 $2,307
Travelers $1,584 $1,612 $1,551 $1,556 $7,177 $11,464 $1,650 $1,898
USAA $1,710 $1,719 $1,543 $1,577 $4,464 $4,716 $2,162 $2,374

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Minimum Car Insurance in Henderson, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Henderson, Kentucky

Insurance Company Poor Fair Good
Allstate $6,877 $4,758 $3,975
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,596 $4,055 $3,206
Nationwide $4,672 $3,666 $3,197
Progressive $4,296 $3,767 $3,520
State Farm $4,320 $2,602 $2,027
Travelers $3,966 $3,366 $3,353
USAA $3,766 $2,111 $1,722

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

Annual Henderson, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,330 $5,627 $5,984 $4,871
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,858 $5,914 $4,606 $4,098
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,195 $4,734 $3,641 $3,874
State Farm $2,726 $3,240 $2,983 $2,983
Travelers $3,120 $3,207 $4,582 $3,337
USAA $1,913 $2,703 $3,215 $2,301

Cheapest Henderson, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Henderson, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,920 $12,265
GEICO $6,876 $8,160
Liberty Mutual $10,232 $11,292
Nationwide $6,037 $7,550
Progressive $9,100 $10,267
State Farm $5,523 $6,994
Travelers $7,177 $11,464
USAA $4,464 $4,716

Cheapest Henderson, KY Car Insurance for Seniors

Take a look at Henderson, 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 Henderson, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,699 $2,879
GEICO $3,530 $3,197
Liberty Mutual $2,195 $2,447
Nationwide $2,519 $2,640
Progressive $1,663 $1,669
State Farm $1,646 $1,646
Travelers $1,551 $1,556
USAA $1,543 $1,577

Cheapest Henderson, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Henderson, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,984
GEICO $6,759
Liberty Mutual $4,606
Nationwide $4,997
Progressive $3,641
State Farm $2,983
Travelers $4,582
USAA $3,215

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Cheapest Henderson, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Henderson, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,203 $5,203
GEICO $4,139 $4,217
Liberty Mutual $4,619 $4,619
Nationwide $3,845 $3,845
Progressive $3,861 $3,861
State Farm $2,910 $3,056
Travelers $3,562 $3,562
USAA $2,438 $2,628

The Best Cheap Car Insurance Companies in Henderson, KY

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

Average Annual Car Insurance Rates by Company in Henderson, Kentucky

Insurance Company Average Annual Rates
Allstate $5,203
GEICO $4,178
Liberty Mutual $4,619
Nationwide $3,845
Progressive $3,861
State Farm $2,983
Travelers $3,562
USAA $2,533

Category Winners: Cheapest Car Insurance in Henderson, Kentucky

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

Best Annual Car Insurance Rates by Company in Henderson, Kentucky

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Henderson, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Henderson, Kentucky

Insurance Company Low Medium High
Allstate $4,881 $5,185 $5,543
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,412 $4,591 $4,855
Nationwide $3,908 $3,801 $3,826
Progressive $3,552 $3,820 $4,212
State Farm $2,819 $2,982 $3,148
Travelers $3,374 $3,578 $3,733
USAA $2,416 $2,527 $2,656

What affects car insurance rates in Henderson, Kentucky?

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

Commute Time in Henderson

The more time you spend in your car the higher the risk of an accident. The average commute length in Henderson, KY is 20.7 minutes according to City-Data.

Compare Car Insurance Quotes in Henderson, KY

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

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