Compare Island, KY Car Insurance Rates (2021)

Car insurance in Island, KY averages $348 a month. Island, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Island car insurance rates, compare quotes from the top car insurance companies in Island, KY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Island, KY are $4,173/year
  • The cheapest car insurance company in Island for teen drivers is USAA
  • Average car insurance rates in Island, KY after a DUI are $4,990/year

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

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

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

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

How do age, gender, and marital status affect Island, KY car insurance rates? Every Island, 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 Island, 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 $2,947 $2,925 $2,657 $2,832 $10,589 $11,894 $3,281 $3,476
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,839 $3,075 $2,431 $2,711 $11,598 $12,798 $2,958 $3,060
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,923 $1,842 $1,714 $1,727 $9,054 $10,251 $2,386 $2,455
State Farm $2,048 $2,048 $1,833 $1,833 $6,192 $7,814 $2,285 $2,569
Travelers $2,152 $2,191 $2,110 $2,116 $10,254 $16,480 $2,246 $2,596
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Island, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Island, Kentucky

Insurance Company Poor Fair Good
Allstate $6,713 $4,638 $3,875
GEICO $6,955 $3,473 $2,264
Liberty Mutual $7,412 $4,551 $3,589
Nationwide $4,672 $3,666 $3,197
Progressive $4,391 $3,814 $3,552
State Farm $4,810 $2,906 $2,268
Travelers $5,596 $4,738 $4,720
USAA $4,165 $2,317 $1,884

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

Annual Island, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,236 $5,484 $5,825 $4,755
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,321 $6,649 $5,170 $4,595
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,247 $4,776 $3,705 $3,948
State Farm $3,036 $3,619 $3,328 $3,328
Travelers $4,380 $4,505 $6,494 $4,693
USAA $2,103 $2,980 $3,541 $2,530

Cheapest Island, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Island, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,589 $11,894
GEICO $6,831 $8,150
Liberty Mutual $11,598 $12,798
Nationwide $6,037 $7,550
Progressive $9,054 $10,251
State Farm $6,192 $7,814
Travelers $10,254 $16,480
USAA $4,875 $5,165

Cheapest Island, KY Car Insurance for Seniors

Take a look at Island, 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 Island, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,657 $2,832
GEICO $3,608 $3,267
Liberty Mutual $2,431 $2,711
Nationwide $2,519 $2,640
Progressive $1,714 $1,727
State Farm $1,833 $1,833
Travelers $2,110 $2,116
USAA $1,693 $1,740

Cheapest Island, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Island, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,825
GEICO $6,862
Liberty Mutual $5,170
Nationwide $4,997
Progressive $3,705
State Farm $3,328
Travelers $6,494
USAA $3,541

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Island, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Island, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,075 $5,075
GEICO $4,191 $4,270
Liberty Mutual $5,184 $5,184
Nationwide $3,845 $3,845
Progressive $3,919 $3,919
State Farm $3,248 $3,407
Travelers $5,018 $5,018
USAA $2,683 $2,894

The Best Cheap Car Insurance Companies in Island, KY

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

Average Annual Car Insurance Rates by Company in Island, Kentucky

Insurance Company Average Annual Rates
Allstate $5,075
GEICO $4,231
Liberty Mutual $5,184
Nationwide $3,845
Progressive $3,919
State Farm $3,328
Travelers $5,018
USAA $2,789

Category Winners: Cheapest Car Insurance in Island, Kentucky

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

Best Annual Car Insurance Rates by Company in Island, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Island, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Island, Kentucky

Insurance Company Low Medium High
Allstate $4,744 $5,056 $5,425
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,935 $5,150 $5,467
Nationwide $3,908 $3,801 $3,826
Progressive $3,653 $3,879 $4,224
State Farm $3,145 $3,323 $3,515
Travelers $4,757 $5,040 $5,257
USAA $2,673 $2,783 $2,910

What affects car insurance rates in Island, Kentucky?

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

Commute Time in Island

The more time you spend in your car the higher the risk of an accident. The average commute length in Island, KY is 25.5 minutes according to City-Data.

Compare Car Insurance Quotes in Island, KY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption