Compare Oneida, KY Car Insurance Rates (2021)

Car insurance in Oneida, KY averages $548 a month. Oneida, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oneida car insurance rates, compare quotes from the top car insurance companies in Oneida, 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

  • The cheapest car insurance company in Oneida is USAA
  • Average car insurance rates in Oneida, KY are $6,575/year
  • Average car insurance rates in Oneida, KY after a DUI are $7,889/year

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

You’ll find Oneida car insurance rates, the cheapest Oneida, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Oneida, Kentucky car insurance rates to Bowling Green car insurance rates, Owensboro car insurance rates, and Richmond car insurance rates.

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

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

How do age, gender, and marital status affect Oneida, KY car insurance rates? Every Oneida, 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 Oneida, 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 $23,229 $25,709 $6,689 $6,983
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,472 $3,771 $3,061 $3,412 $12,592 $13,781 $3,559 $3,584
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,960 $2,794 $2,669 $2,676 $14,825 $16,800 $3,674 $3,722
State Farm $2,829 $2,829 $2,507 $2,507 $7,743 $9,825 $3,139 $3,474
Travelers $3,715 $3,784 $3,655 $3,655 $18,512 $29,781 $3,886 $4,529
USAA $2,125 $2,130 $1,915 $1,948 $5,722 $6,019 $2,690 $2,948

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Minimum Car Insurance in Oneida, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Oneida, Kentucky

Insurance Company Poor Fair Good
Allstate $14,578 $9,809 $8,066
GEICO $8,861 $4,424 $2,884
Liberty Mutual $8,468 $5,169 $4,076
Nationwide $9,500 $7,372 $6,351
Progressive $7,001 $6,108 $5,687
State Farm $6,260 $3,814 $2,995
Travelers $10,001 $8,425 $8,393
USAA $4,746 $2,655 $2,161

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

Annual Oneida, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,939 $11,690 $12,528 $10,113
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $4,922 $7,571 $5,880 $5,244
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,166 $7,713 $5,896 $6,285
State Farm $4,023 $4,690 $4,357 $4,357
Travelers $7,763 $7,995 $11,645 $8,355
USAA $2,397 $3,396 $4,069 $2,886

Cheapest Oneida, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oneida, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,229 $25,709
GEICO $8,902 $10,417
Liberty Mutual $12,592 $13,781
Nationwide $12,445 $15,350
Progressive $14,825 $16,800
State Farm $7,743 $9,825
Travelers $18,512 $29,781
USAA $5,722 $6,019

Cheapest Oneida, KY Car Insurance for Seniors

Take a look at Oneida, 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 Oneida, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,595 $4,158
Liberty Mutual $3,061 $3,412
Nationwide $5,015 $5,208
Progressive $2,669 $2,676
State Farm $2,507 $2,507
Travelers $3,655 $3,655
USAA $1,915 $1,948

Cheapest Oneida, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oneida, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,528
GEICO $8,597
Liberty Mutual $5,880
Nationwide $10,137
Progressive $5,896
State Farm $4,357
Travelers $11,645
USAA $4,069

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Cheapest Oneida, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oneida, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,818 $10,818
GEICO $5,341 $5,438
Liberty Mutual $5,904 $5,904
Nationwide $7,741 $7,741
Progressive $6,265 $6,265
State Farm $4,252 $4,461
Travelers $8,940 $8,940
USAA $3,068 $3,306

The Best Cheap Car Insurance Companies in Oneida, KY

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

Average Annual Car Insurance Rates by Company in Oneida, Kentucky

Insurance Company Average Annual Rates
Allstate $10,818
GEICO $5,390
Liberty Mutual $5,904
Nationwide $7,741
Progressive $6,265
State Farm $4,357
Travelers $8,940
USAA $3,187

Category Winners: Cheapest Car Insurance in Oneida, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Oneida, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,728 $12,364
GEICO $4,884 $5,352 $5,934
Liberty Mutual $5,531 $5,848 $6,334
Nationwide $7,713 $7,608 $7,902
Progressive $5,716 $6,149 $6,931
State Farm $4,092 $4,345 $4,633
Travelers $8,510 $8,974 $9,335
USAA $3,041 $3,179 $3,341

What affects car insurance rates in Oneida, Kentucky?

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

Commute Time in Oneida

The more time you spend in your car the higher the risk of an accident. The average commute length in Oneida, KY is 16.5 minutes according to City-Data.

Compare Car Insurance Quotes in Oneida, KY

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

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