Compare Morgantown, KY Car Insurance Rates (2021)

Car insurance in Morgantown, KY averages $360 a month. Morgantown, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Morgantown car insurance rates, compare quotes from the top car insurance companies in Morgantown, 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 Morgantown, KY are $4,317/year
  • Average car insurance rates in Morgantown, KY after a DUI are $5,172/year
  • The cheapest car insurance company in Morgantown for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Morgantown, KY car insurance rates? Every Morgantown, 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 Morgantown, 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 $3,096 $3,070 $2,788 $2,972 $11,246 $12,625 $3,450 $3,658
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,588 $2,802 $2,215 $2,469 $10,689 $11,798 $2,697 $2,790
Nationwide $3,189 $3,204 $2,873 $3,015 $7,084 $8,879 $3,602 $3,796
Progressive $2,037 $1,943 $1,819 $1,831 $9,735 $11,024 $2,527 $2,596
State Farm $2,201 $2,201 $1,968 $1,968 $6,614 $8,362 $2,456 $2,754
Travelers $2,240 $2,282 $2,193 $2,199 $10,594 $16,944 $2,339 $2,717
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

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Minimum Car Insurance in Morgantown, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Morgantown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,793 $4,178 $3,296
Nationwide $5,421 $4,249 $3,696
Progressive $4,689 $4,079 $3,798
State Farm $5,156 $3,112 $2,428
Travelers $5,792 $4,897 $4,877
USAA $4,165 $2,317 $1,884

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

Annual Morgantown, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,462 $5,800 $6,170 $5,021
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,964 $6,098 $4,744 $4,218
Nationwide $3,530 $4,583 $5,814 $3,894
Progressive $3,468 $5,114 $3,958 $4,217
State Farm $3,256 $3,875 $3,565 $3,565
Travelers $4,525 $4,656 $6,718 $4,854
USAA $2,103 $2,980 $3,541 $2,530

Cheapest Morgantown, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Morgantown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,246 $12,625
GEICO $6,831 $8,150
Liberty Mutual $10,689 $11,798
Nationwide $7,084 $8,879
Progressive $9,735 $11,024
State Farm $6,614 $8,362
Travelers $10,594 $16,944
USAA $4,875 $5,165

Cheapest Morgantown, KY Car Insurance for Seniors

Take a look at Morgantown, 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 Morgantown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,788 $2,972
GEICO $3,608 $3,267
Liberty Mutual $2,215 $2,469
Nationwide $2,873 $3,015
Progressive $1,819 $1,831
State Farm $1,968 $1,968
Travelers $2,193 $2,199
USAA $1,693 $1,740

Cheapest Morgantown, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Morgantown, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,170
GEICO $6,862
Liberty Mutual $4,744
Nationwide $5,814
Progressive $3,958
State Farm $3,565
Travelers $6,718
USAA $3,541

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Cheapest Morgantown, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Morgantown, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,363 $5,363
GEICO $4,191 $4,270
Liberty Mutual $4,756 $4,756
Nationwide $4,455 $4,455
Progressive $4,189 $4,189
State Farm $3,479 $3,652
Travelers $5,188 $5,188
USAA $2,683 $2,894

The Best Cheap Car Insurance Companies in Morgantown, KY

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

Average Annual Car Insurance Rates by Company in Morgantown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,231
Liberty Mutual $4,756
Nationwide $4,455
Progressive $4,189
State Farm $3,565
Travelers $5,188
USAA $2,789

Category Winners: Cheapest Car Insurance in Morgantown, Kentucky

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

Best Annual Car Insurance Rates by Company in Morgantown, Kentucky

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

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Cheapest Morgantown, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Morgantown, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,524 $4,725 $5,019
Nationwide $4,549 $4,401 $4,416
Progressive $3,912 $4,146 $4,509
State Farm $3,364 $3,562 $3,770
Travelers $4,945 $5,215 $5,406
USAA $2,673 $2,783 $2,910

What affects car insurance rates in Morgantown, Kentucky?

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

Commute Time in Morgantown

The more time you spend in your car the higher the risk of an accident. The average commute length in Morgantown, KY is 20.4 minutes according to City-Data.

Compare Car Insurance Quotes in Morgantown, KY

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

Free Car Insurance Comparison

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

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