Compare Middlesborough, KY Car Insurance Rates (2021)

Car insurance in Middlesborough, KY averages $488 a month. Middlesborough, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Middlesborough car insurance rates, compare quotes from the top car insurance companies in Middlesborough, 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 Middlesborough, KY after a DUI are $7,024/year
  • Average car insurance rates in Middlesborough, KY are $5,859/year
  • The cheapest car insurance company in Middlesborough is USAA

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

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

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

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

How do age, gender, and marital status affect Middlesborough, KY car insurance rates? Every Middlesborough, 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 Middlesborough, 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 $6,170 $6,074 $5,664 $6,023 $23,230 $25,709 $6,689 $6,983
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $3,174 $3,458 $2,706 $3,049 $12,400 $13,769 $3,298 $3,412
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,615 $2,474 $2,366 $2,365 $13,193 $14,970 $3,248 $3,297
State Farm $2,160 $2,160 $1,932 $1,932 $6,010 $7,605 $2,394 $2,647
Travelers $3,336 $3,401 $3,265 $3,276 $16,472 $26,548 $3,488 $4,068
USAA $1,980 $1,981 $1,788 $1,815 $5,320 $5,600 $2,499 $2,733

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Minimum Car Insurance in Middlesborough, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Middlesborough, Kentucky

Insurance Company Poor Fair Good
Allstate $14,578 $9,809 $8,066
GEICO $7,842 $3,915 $2,550
Liberty Mutual $8,107 $4,955 $3,912
Nationwide $7,021 $5,495 $4,763
Progressive $6,204 $5,429 $5,065
State Farm $4,798 $2,944 $2,323
Travelers $8,919 $7,528 $7,499
USAA $4,407 $2,472 $2,014

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

Annual Middlesborough, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,940 $11,691 $12,528 $10,113
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,728 $7,256 $5,633 $5,016
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,593 $6,854 $5,235 $5,583
State Farm $3,089 $3,621 $3,355 $3,355
Travelers $6,944 $7,149 $10,380 $7,455
USAA $2,232 $3,158 $3,778 $2,690

Cheapest Middlesborough, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Middlesborough, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,230 $25,709
GEICO $7,942 $9,404
Liberty Mutual $12,400 $13,769
Nationwide $9,302 $11,583
Progressive $13,193 $14,970
State Farm $6,010 $7,605
Travelers $16,472 $26,548
USAA $5,320 $5,600

Cheapest Middlesborough, KY Car Insurance for Seniors

Take a look at Middlesborough, 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 Middlesborough, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,003 $3,626
Liberty Mutual $2,706 $3,049
Nationwide $3,677 $3,839
Progressive $2,366 $2,365
State Farm $1,932 $1,932
Travelers $3,265 $3,276
USAA $1,788 $1,815

Cheapest Middlesborough, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Middlesborough, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,528
GEICO $7,717
Liberty Mutual $5,633
Nationwide $7,562
Progressive $5,235
State Farm $3,355
Travelers $10,380
USAA $3,778

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Cheapest Middlesborough, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Middlesborough, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,818 $10,818
GEICO $4,724 $4,814
Liberty Mutual $5,658 $5,658
Nationwide $5,760 $5,760
Progressive $5,566 $5,566
State Farm $3,274 $3,435
Travelers $7,982 $7,982
USAA $2,855 $3,074

The Best Cheap Car Insurance Companies in Middlesborough, KY

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

Average Annual Car Insurance Rates by Company in Middlesborough, Kentucky

Insurance Company Average Annual Rates
Allstate $10,818
GEICO $4,769
Liberty Mutual $5,658
Nationwide $5,760
Progressive $5,566
State Farm $3,355
Travelers $7,982
USAA $2,964

Category Winners: Cheapest Car Insurance in Middlesborough, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Middlesborough, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,728 $12,364
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,286 $5,611 $6,078
Nationwide $5,806 $5,676 $5,797
Progressive $5,042 $5,459 $6,197
State Farm $3,118 $3,342 $3,605
Travelers $7,599 $8,019 $8,327
USAA $2,828 $2,958 $3,108

What affects car insurance rates in Middlesborough, Kentucky?

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

Commute Time in Middlesborough

The more time you spend in your car the higher the risk of an accident. The average commute length in Middlesborough, KY is 17.4 minutes according to City-Data.

Compare Car Insurance Quotes in Middlesborough, KY

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

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