Compare Hopkinsville, KY Car Insurance Rates (2021)

Car insurance in Hopkinsville, KY averages $325 a month. Hopkinsville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hopkinsville car insurance rates, compare quotes from the top car insurance companies in Hopkinsville, 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 Hopkinsville is USAA
  • Average car insurance rates in Hopkinsville, KY after a DUI are $4,663/year
  • Average car insurance rates in Hopkinsville, KY are $3,903/year

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

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

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

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

How do age, gender, and marital status affect Hopkinsville, KY car insurance rates? Every Hopkinsville, 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 Hopkinsville, 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 $3,105 $3,075 $2,798 $2,984 $11,364 $12,764 $3,452 $3,657
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,345 $2,538 $1,995 $2,223 $9,546 $10,554 $2,458 $2,568
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,902 $1,813 $1,707 $1,715 $9,222 $10,438 $2,358 $2,415
State Farm $1,826 $1,826 $1,633 $1,633 $5,539 $7,005 $2,040 $2,291
Travelers $1,954 $1,988 $1,915 $1,920 $9,149 $14,616 $2,040 $2,357
USAA $1,601 $1,605 $1,446 $1,472 $4,220 $4,452 $2,019 $2,210

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Minimum Car Insurance in Hopkinsville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Hopkinsville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,144 $4,937 $4,119
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,102 $3,758 $2,974
Nationwide $4,825 $3,790 $3,302
Progressive $4,403 $3,846 $3,589
State Farm $4,307 $2,594 $2,021
Travelers $5,008 $4,243 $4,226
USAA $3,530 $1,984 $1,619

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

Annual Hopkinsville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,487 $5,840 $6,219 $5,053
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,576 $5,474 $4,267 $3,795
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,267 $4,827 $3,724 $3,967
State Farm $2,713 $3,235 $2,974 $2,974
Travelers $3,923 $4,035 $5,809 $4,203
USAA $1,796 $2,535 $3,020 $2,161

Cheapest Hopkinsville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hopkinsville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,364 $12,764
GEICO $6,168 $7,329
Liberty Mutual $9,546 $10,554
Nationwide $6,272 $7,843
Progressive $9,222 $10,438
State Farm $5,539 $7,005
Travelers $9,149 $14,616
USAA $4,220 $4,452

Cheapest Hopkinsville, KY Car Insurance for Seniors

Take a look at Hopkinsville, 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 Hopkinsville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,984
GEICO $3,218 $2,914
Liberty Mutual $1,995 $2,223
Nationwide $2,588 $2,712
Progressive $1,707 $1,715
State Farm $1,633 $1,633
Travelers $1,915 $1,920
USAA $1,446 $1,472

Cheapest Hopkinsville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hopkinsville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,219
GEICO $6,130
Liberty Mutual $4,267
Nationwide $5,164
Progressive $3,724
State Farm $2,974
Travelers $5,809
USAA $3,020

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Cheapest Hopkinsville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hopkinsville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,400 $5,400
GEICO $3,750 $3,821
Liberty Mutual $4,278 $4,278
Nationwide $3,972 $3,972
Progressive $3,946 $3,946
State Farm $2,902 $3,047
Travelers $4,492 $4,492
USAA $2,290 $2,466

The Best Cheap Car Insurance Companies in Hopkinsville, KY

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

Average Annual Car Insurance Rates by Company in Hopkinsville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,400
GEICO $3,785
Liberty Mutual $4,278
Nationwide $3,972
Progressive $3,946
State Farm $2,974
Travelers $4,492
USAA $2,378

Category Winners: Cheapest Car Insurance in Hopkinsville, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Hopkinsville, Kentucky

Insurance Company Low Medium High
Allstate $5,060 $5,381 $5,759
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,102 $4,255 $4,477
Nationwide $4,032 $3,926 $3,959
Progressive $3,643 $3,900 $4,295
State Farm $2,812 $2,973 $3,137
Travelers $4,274 $4,516 $4,687
USAA $2,271 $2,373 $2,490

What affects car insurance rates in Hopkinsville, Kentucky?

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

Commute Time in Hopkinsville

The more time you spend in your car the higher the risk of an accident. The average commute length in Hopkinsville, KY is 15.1 minutes according to City-Data.

Compare Car Insurance Quotes in Hopkinsville, KY

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

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