Compare Oak Grove, KY Car Insurance Rates (2021)

Car insurance in Oak Grove, KY averages $336 a month. Oak Grove, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oak Grove car insurance rates, compare quotes from the top car insurance companies in Oak Grove, KY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Oak Grove, KY are $4,027/year
  • Average car insurance rates in Oak Grove, KY after a DUI are $4,813/year
  • The cheapest car insurance company in Oak Grove is USAA

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

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

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

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

How do age, gender, and marital status affect Oak Grove, KY car insurance rates? Every Oak Grove, 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 Oak Grove, 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 $3,150 $3,117 $2,843 $3,032 $11,672 $13,132 $3,493 $3,695
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,445 $2,649 $2,080 $2,323 $9,956 $11,017 $2,558 $2,666
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,943 $1,850 $1,742 $1,749 $9,441 $10,686 $2,409 $2,475
State Farm $1,829 $1,829 $1,636 $1,636 $5,550 $7,017 $2,043 $2,296
Travelers $2,193 $2,234 $2,147 $2,153 $10,346 $16,544 $2,290 $2,658
USAA $1,612 $1,614 $1,458 $1,482 $4,257 $4,487 $2,029 $2,220

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Oak Grove, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Oak Grove, Kentucky

Insurance Company Poor Fair Good
Allstate $7,294 $5,047 $4,209
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,368 $3,919 $3,099
Nationwide $4,825 $3,790 $3,302
Progressive $4,503 $3,935 $3,673
State Farm $4,315 $2,599 $2,024
Travelers $5,659 $4,786 $4,766
USAA $3,555 $1,998 $1,631

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

Annual Oak Grove, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,575 $5,967 $6,363 $5,160
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,728 $5,713 $4,449 $3,957
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,342 $4,933 $3,812 $4,059
State Farm $2,718 $3,241 $2,980 $2,980
Travelers $4,423 $4,551 $6,564 $4,744
USAA $1,809 $2,552 $3,041 $2,177

Cheapest Oak Grove, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak Grove, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,672 $13,132
GEICO $6,168 $7,329
Liberty Mutual $9,956 $11,017
Nationwide $6,272 $7,843
Progressive $9,441 $10,686
State Farm $5,550 $7,017
Travelers $10,346 $16,544
USAA $4,257 $4,487

Cheapest Oak Grove, KY Car Insurance for Seniors

Take a look at Oak Grove, 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 Oak Grove, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,843 $3,032
GEICO $3,218 $2,914
Liberty Mutual $2,080 $2,323
Nationwide $2,588 $2,712
Progressive $1,742 $1,749
State Farm $1,636 $1,636
Travelers $2,147 $2,153
USAA $1,458 $1,482

Cheapest Oak Grove, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oak Grove, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,363
GEICO $6,130
Liberty Mutual $4,449
Nationwide $5,164
Progressive $3,812
State Farm $2,980
Travelers $6,564
USAA $3,041

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Oak Grove, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak Grove, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,517 $5,517
GEICO $3,750 $3,821
Liberty Mutual $4,462 $4,462
Nationwide $3,972 $3,972
Progressive $4,037 $4,037
State Farm $2,907 $3,052
Travelers $5,071 $5,071
USAA $2,306 $2,483

The Best Cheap Car Insurance Companies in Oak Grove, KY

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

Average Annual Car Insurance Rates by Company in Oak Grove, Kentucky

Insurance Company Average Annual Rates
Allstate $5,517
GEICO $3,785
Liberty Mutual $4,462
Nationwide $3,972
Progressive $4,037
State Farm $2,980
Travelers $5,071
USAA $2,395

Category Winners: Cheapest Car Insurance in Oak Grove, Kentucky

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

Best Annual Car Insurance Rates by Company in Oak Grove, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Oak Grove, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak Grove, Kentucky

Insurance Company Low Medium High
Allstate $5,168 $5,497 $5,885
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,254 $4,435 $4,697
Nationwide $4,032 $3,926 $3,959
Progressive $3,758 $4,001 $4,351
State Farm $2,819 $2,979 $3,141
Travelers $4,832 $5,096 $5,284
USAA $2,284 $2,389 $2,511

What affects car insurance rates in Oak Grove, Kentucky?

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

Commute Time in Oak Grove

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Grove, KY is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Oak Grove, KY

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption