Compare Melbourne, KY Car Insurance Rates (2021)

Car insurance in Melbourne, KY averages $321 a month. Melbourne, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Melbourne car insurance rates, compare quotes from the top car insurance companies in Melbourne, 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

  • Average car insurance rates in Melbourne, KY after a DUI are $4,605/year
  • The cheapest car insurance company in Melbourne for teen drivers is USAA
  • The cheapest car insurance company in Melbourne is State Farm

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

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

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

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

How do age, gender, and marital status affect Melbourne, KY car insurance rates? Every Melbourne, 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 Melbourne, 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 $2,987 $2,948 $2,708 $2,888 $11,320 $12,733 $3,288 $3,465
GEICO $3,156 $2,920 $3,304 $2,992 $6,546 $7,739 $2,573 $2,217
Liberty Mutual $2,517 $2,725 $2,148 $2,396 $10,209 $11,279 $2,631 $2,734
Nationwide $2,572 $2,570 $2,336 $2,431 $5,699 $7,063 $2,908 $3,044
Progressive $1,881 $1,782 $1,696 $1,698 $9,345 $10,567 $2,330 $2,382
State Farm $1,497 $1,497 $1,343 $1,343 $4,497 $5,707 $1,672 $1,861
Travelers $1,935 $1,967 $1,910 $1,911 $9,264 $14,786 $2,028 $2,321
USAA $1,649 $1,641 $1,497 $1,508 $4,533 $4,755 $2,072 $2,253

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Minimum Car Insurance in Melbourne, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Melbourne, Kentucky

Insurance Company Poor Fair Good
Allstate $6,989 $4,848 $4,039
GEICO $6,463 $3,227 $2,102
Liberty Mutual $6,534 $4,024 $3,183
Nationwide $4,327 $3,424 $2,983
Progressive $4,402 $3,865 $3,613
State Farm $3,509 $2,119 $1,653
Travelers $5,027 $4,267 $4,251
USAA $3,677 $2,084 $1,705

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

Annual Melbourne, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,371 $5,726 $6,126 $4,945
GEICO $2,346 $4,168 $6,335 $2,874
Liberty Mutual $3,827 $5,865 $4,567 $4,062
Nationwide $2,872 $3,676 $4,615 $3,149
Progressive $3,277 $4,853 $3,736 $3,975
State Farm $2,216 $2,638 $2,427 $2,427
Travelers $3,937 $4,048 $5,854 $4,221
USAA $1,873 $2,645 $3,177 $2,259

Cheapest Melbourne, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Melbourne, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,320 $12,733
GEICO $6,546 $7,739
Liberty Mutual $10,209 $11,279
Nationwide $5,699 $7,063
Progressive $9,345 $10,567
State Farm $4,497 $5,707
Travelers $9,264 $14,786
USAA $4,533 $4,755

Cheapest Melbourne, KY Car Insurance for Seniors

Take a look at Melbourne, 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 Melbourne, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,708 $2,888
GEICO $3,304 $2,992
Liberty Mutual $2,148 $2,396
Nationwide $2,336 $2,431
Progressive $1,696 $1,698
State Farm $1,343 $1,343
Travelers $1,910 $1,911
USAA $1,497 $1,508

Cheapest Melbourne, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Melbourne, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,126
GEICO $6,335
Liberty Mutual $4,567
Nationwide $4,615
Progressive $3,736
State Farm $2,427
Travelers $5,854
USAA $3,177

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Cheapest Melbourne, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Melbourne, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,292 $5,292
GEICO $3,894 $3,968
Liberty Mutual $4,580 $4,580
Nationwide $3,578 $3,578
Progressive $3,960 $3,960
State Farm $2,366 $2,489
Travelers $4,515 $4,515
USAA $2,398 $2,579

The Best Cheap Car Insurance Companies in Melbourne, KY

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

Average Annual Car Insurance Rates by Company in Melbourne, Kentucky

Insurance Company Average Annual Rates
Allstate $5,292
GEICO $3,931
Liberty Mutual $4,580
Nationwide $3,578
Progressive $3,960
State Farm $2,427
Travelers $4,515
USAA $2,489

Category Winners: Cheapest Car Insurance in Melbourne, Kentucky

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

Best Annual Car Insurance Rates by Company in Melbourne, Kentucky

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

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Cheapest Melbourne, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Melbourne, Kentucky

Insurance Company Low Medium High
Allstate $4,921 $5,271 $5,683
GEICO $3,674 $3,916 $4,203
Liberty Mutual $4,379 $4,553 $4,808
Nationwide $3,592 $3,541 $3,601
Progressive $3,665 $3,923 $4,292
State Farm $2,268 $2,426 $2,588
Travelers $4,290 $4,540 $4,715
USAA $2,369 $2,483 $2,613

What affects car insurance rates in Melbourne, Kentucky?

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

Commute Time in Melbourne

The more time you spend in your car the higher the risk of an accident. The average commute length in Melbourne, KY is 27.8 minutes according to City-Data.

Traffic in Melbourne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Melbourne, KY traffic data from INRIX ranks Melbourne as the 53rd-most congested in the world.

Compare Car Insurance Quotes in Melbourne, KY

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

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