Compare Morehead, KY Car Insurance Rates (2021)

Car insurance in Morehead, KY averages $365 a month. Morehead, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Morehead car insurance rates, compare quotes from the top car insurance companies in Morehead, 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 Morehead, KY after a DUI are $5,219/year
  • The cheapest car insurance company in Morehead is USAA
  • The cheapest car insurance company in Morehead for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Morehead, KY car insurance rates? Every Morehead, 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 Morehead, 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 $3,289 $3,253 $2,975 $3,171 $12,181 $13,685 $3,639 $3,844
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,496 $3,791 $3,127 $3,474 $12,603 $13,716 $3,549 $3,512
Nationwide $3,446 $3,444 $3,136 $3,265 $7,342 $9,077 $3,864 $4,036
Progressive $2,118 $2,016 $1,898 $1,909 $10,229 $11,581 $2,627 $2,686
State Farm $1,888 $1,888 $1,687 $1,687 $5,580 $7,060 $2,105 $2,354
Travelers $1,918 $1,951 $1,881 $1,884 $8,923 $14,247 $2,001 $2,312
USAA $1,661 $1,665 $1,500 $1,526 $4,401 $4,635 $2,095 $2,294

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Minimum Car Insurance in Morehead, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Morehead, Kentucky

Insurance Company Poor Fair Good
Allstate $7,623 $5,260 $4,380
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,467 $5,180 $4,079
Nationwide $5,750 $4,478 $3,876
Progressive $4,904 $4,269 $3,975
State Farm $4,377 $2,648 $2,069
Travelers $4,897 $4,145 $4,128
USAA $3,674 $2,061 $1,681

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

Annual Morehead, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,772 $6,223 $6,640 $5,383
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,915 $7,584 $5,884 $5,250
Nationwide $3,784 $4,829 $6,048 $4,144
Progressive $3,625 $5,363 $4,137 $4,407
State Farm $2,773 $3,289 $3,031 $3,031
Travelers $3,833 $3,943 $5,672 $4,110
USAA $1,866 $2,635 $3,144 $2,244

Cheapest Morehead, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Morehead, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,181 $13,685
GEICO $7,170 $8,568
Liberty Mutual $12,603 $13,716
Nationwide $7,342 $9,077
Progressive $10,229 $11,581
State Farm $5,580 $7,060
Travelers $8,923 $14,247
USAA $4,401 $4,635

Cheapest Morehead, KY Car Insurance for Seniors

Take a look at Morehead, 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 Morehead, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,975 $3,171
GEICO $3,742 $3,389
Liberty Mutual $3,127 $3,474
Nationwide $3,136 $3,265
Progressive $1,898 $1,909
State Farm $1,687 $1,687
Travelers $1,881 $1,884
USAA $1,500 $1,526

Cheapest Morehead, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Morehead, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,640
GEICO $7,199
Liberty Mutual $5,884
Nationwide $6,048
Progressive $4,137
State Farm $3,031
Travelers $5,672
USAA $3,144

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Cheapest Morehead, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Morehead, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,755 $5,755
GEICO $4,371 $4,456
Liberty Mutual $5,908 $5,908
Nationwide $4,701 $4,701
Progressive $4,383 $4,383
State Farm $2,958 $3,105
Travelers $4,390 $4,390
USAA $2,381 $2,564

The Best Cheap Car Insurance Companies in Morehead, KY

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

Average Annual Car Insurance Rates by Company in Morehead, Kentucky

Insurance Company Average Annual Rates
Allstate $5,755
GEICO $4,413
Liberty Mutual $5,908
Nationwide $4,701
Progressive $4,383
State Farm $3,031
Travelers $4,390
USAA $2,472

Category Winners: Cheapest Car Insurance in Morehead, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Morehead, Kentucky

Insurance Company Low Medium High
Allstate $5,359 $5,733 $6,171
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,497 $5,844 $6,384
Nationwide $4,674 $4,636 $4,794
Progressive $4,059 $4,326 $4,764
State Farm $2,854 $3,026 $3,213
Travelers $4,173 $4,410 $4,586
USAA $2,360 $2,466 $2,590

What affects car insurance rates in Morehead, Kentucky?

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

Commute Time in Morehead

The more time you spend in your car the higher the risk of an accident. The average commute length in Morehead, KY is 16.0 minutes according to City-Data.

Compare Car Insurance Quotes in Morehead, KY

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

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