Compare Lucas, KY Car Insurance Rates (2021)

Car insurance in Lucas, KY averages $343 a month. Lucas, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lucas car insurance rates, compare quotes from the top car insurance companies in Lucas, 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

  • The cheapest car insurance company in Lucas is USAA
  • Average car insurance rates in Lucas, KY are $4,111/year
  • Average car insurance rates in Lucas, KY after a DUI are $4,955/year

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

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

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

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

How do age, gender, and marital status affect Lucas, KY car insurance rates? Every Lucas, 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 Lucas, 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 $2,905 $2,872 $2,628 $2,798 $10,685 $12,000 $3,213 $3,395
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,566 $2,775 $2,271 $2,518 $9,610 $10,497 $2,624 $2,629
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $1,974 $1,876 $1,774 $1,782 $9,645 $10,904 $2,446 $2,498
State Farm $1,756 $1,756 $1,560 $1,560 $4,872 $6,068 $1,960 $2,157
Travelers $2,360 $2,402 $2,316 $2,319 $11,240 $17,962 $2,466 $2,862
USAA $1,749 $1,748 $1,587 $1,609 $4,694 $4,929 $2,201 $2,404

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Minimum Car Insurance in Lucas, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Lucas, Kentucky

Insurance Company Poor Fair Good
Allstate $6,692 $4,631 $3,863
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,323 $3,901 $3,084
Nationwide $5,239 $4,104 $3,569
Progressive $4,587 $4,009 $3,741
State Farm $3,924 $2,366 $1,844
Travelers $6,133 $5,180 $5,159
USAA $3,874 $2,185 $1,786

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

Annual Lucas, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,200 $5,473 $5,839 $4,736
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,701 $5,682 $4,420 $3,942
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,403 $5,035 $3,880 $4,131
State Farm $2,487 $2,936 $2,711 $2,711
Travelers $4,783 $4,923 $7,119 $5,138
USAA $1,973 $2,784 $3,329 $2,374

Cheapest Lucas, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lucas, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,685 $12,000
GEICO $6,851 $8,131
Liberty Mutual $9,610 $10,497
Nationwide $6,819 $8,506
Progressive $9,645 $10,904
State Farm $4,872 $6,068
Travelers $11,240 $17,962
USAA $4,694 $4,929

Cheapest Lucas, KY Car Insurance for Seniors

Take a look at Lucas, 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 Lucas, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,628 $2,798
GEICO $3,510 $3,179
Liberty Mutual $2,271 $2,518
Nationwide $2,800 $2,930
Progressive $1,774 $1,782
State Farm $1,560 $1,560
Travelers $2,316 $2,319
USAA $1,587 $1,609

Cheapest Lucas, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lucas, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,839
GEICO $6,731
Liberty Mutual $4,420
Nationwide $5,612
Progressive $3,880
State Farm $2,711
Travelers $7,119
USAA $3,329

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Cheapest Lucas, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lucas, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,062 $5,062
GEICO $4,119 $4,197
Liberty Mutual $4,436 $4,436
Nationwide $4,304 $4,304
Progressive $4,112 $4,112
State Farm $2,641 $2,781
Travelers $5,491 $5,491
USAA $2,517 $2,713

The Best Cheap Car Insurance Companies in Lucas, KY

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

Average Annual Car Insurance Rates by Company in Lucas, Kentucky

Insurance Company Average Annual Rates
Allstate $5,062
GEICO $4,158
Liberty Mutual $4,436
Nationwide $4,304
Progressive $4,112
State Farm $2,711
Travelers $5,491
USAA $2,615

Category Winners: Cheapest Car Insurance in Lucas, Kentucky

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

Best Annual Car Insurance Rates by Company in Lucas, Kentucky

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

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Cheapest Lucas, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lucas, Kentucky

Insurance Company Low Medium High
Allstate $4,731 $5,043 $5,412
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,173 $4,396 $4,740
Nationwide $4,380 $4,252 $4,281
Progressive $3,803 $4,067 $4,467
State Farm $2,574 $2,709 $2,850
Travelers $5,234 $5,517 $5,722
USAA $2,479 $2,608 $2,759

Compare Car Insurance Quotes in Lucas, KY

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

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