Compare Irvine, KY Car Insurance Rates (2021)

Car insurance in Irvine, KY averages $450 a month. Irvine, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Irvine car insurance rates, compare quotes from the top car insurance companies in Irvine, 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

  • Average car insurance rates in Irvine, KY are $5,404/year
  • The cheapest car insurance company in Irvine is State Farm
  • The cheapest car insurance company in Irvine for teen drivers is State Farm

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

You’ll find Irvine car insurance rates, the cheapest Irvine, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Irvine, Kentucky car insurance rates to Florence car insurance rates, Independence car insurance rates, and Covington car insurance rates.

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

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

How do age, gender, and marital status affect Irvine, KY car insurance rates? Every Irvine, 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 Irvine, 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 $4,798 $4,712 $4,354 $4,661 $19,484 $21,676 $5,252 $5,516
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,760 $2,990 $2,369 $2,645 $11,517 $12,718 $2,858 $2,934
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,155 $2,037 $1,948 $1,949 $10,817 $12,263 $2,672 $2,719
State Farm $1,740 $1,740 $1,553 $1,553 $4,959 $6,307 $1,937 $2,139
Travelers $2,892 $2,944 $2,853 $2,868 $15,081 $24,755 $3,027 $3,443
USAA $2,054 $2,057 $1,852 $1,882 $5,535 $5,819 $2,597 $2,843

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Minimum Car Insurance in Irvine, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Irvine, Kentucky

Insurance Company Poor Fair Good
Allstate $11,724 $8,047 $6,649
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,287 $4,481 $3,528
Nationwide $9,500 $7,372 $6,351
Progressive $5,089 $4,459 $4,162
State Farm $3,948 $2,397 $1,878
Travelers $8,043 $6,836 $6,820
USAA $4,587 $2,565 $2,088

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

Annual Irvine, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,180 $9,560 $10,289 $8,196
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,243 $6,548 $5,085 $4,520
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $3,775 $5,618 $4,303 $4,584
State Farm $2,519 $2,964 $2,741 $2,741
Travelers $6,305 $6,480 $9,413 $6,735
USAA $2,318 $3,281 $3,931 $2,790

Cheapest Irvine, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Irvine, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,484 $21,676
GEICO $6,635 $7,852
Liberty Mutual $11,517 $12,718
Nationwide $12,445 $15,350
Progressive $10,817 $12,263
State Farm $4,959 $6,307
Travelers $15,081 $24,755
USAA $5,535 $5,819

Cheapest Irvine, KY Car Insurance for Seniors

Take a look at Irvine, 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 Irvine, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,354 $4,661
GEICO $3,309 $2,996
Liberty Mutual $2,369 $2,645
Nationwide $5,015 $5,208
Progressive $1,948 $1,949
State Farm $1,553 $1,553
Travelers $2,853 $2,868
USAA $1,852 $1,882

Cheapest Irvine, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Irvine, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,289
GEICO $6,360
Liberty Mutual $5,085
Nationwide $10,137
Progressive $4,303
State Farm $2,741
Travelers $9,413
USAA $3,931

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Cheapest Irvine, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Irvine, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,807 $8,807
GEICO $3,921 $3,995
Liberty Mutual $5,099 $5,099
Nationwide $7,741 $7,741
Progressive $4,570 $4,570
State Farm $2,672 $2,810
Travelers $7,233 $7,233
USAA $2,965 $3,195

The Best Cheap Car Insurance Companies in Irvine, KY

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

Average Annual Car Insurance Rates by Company in Irvine, Kentucky

Insurance Company Average Annual Rates
Allstate $8,807
GEICO $3,958
Liberty Mutual $5,099
Nationwide $7,741
Progressive $4,570
State Farm $2,741
Travelers $7,233
USAA $3,080

Category Winners: Cheapest Car Insurance in Irvine, Kentucky

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

Best Annual Car Insurance Rates by Company in Irvine, Kentucky

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

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Cheapest Irvine, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Irvine, Kentucky

Insurance Company Low Medium High
Allstate $7,875 $8,757 $9,788
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,797 $5,059 $5,441
Nationwide $7,713 $7,608 $7,902
Progressive $4,176 $4,497 $5,038
State Farm $2,551 $2,737 $2,935
Travelers $6,750 $7,255 $7,694
USAA $2,940 $3,072 $3,228

What affects car insurance rates in Irvine, Kentucky?

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

Commute Time in Irvine

The more time you spend in your car the higher the risk of an accident. The average commute length in Irvine, KY is 30.7 minutes according to City-Data.

Traffic in Irvine

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Irvine, KY traffic data from INRIX ranks Irvine as the 1009th-most congested in the world.

Compare Car Insurance Quotes in Irvine, KY

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

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