Compare Owensboro, KY Car Insurance Rates (2021)

Car insurance in Owensboro, KY averages $297 a month. Owensboro, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Owensboro car insurance rates, compare quotes from the top car insurance companies in Owensboro, 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 Owensboro for teen drivers is USAA
  • Average car insurance rates in Owensboro, KY are $3,567/year
  • Average car insurance rates in Owensboro, KY after a DUI are $4,292/year

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

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

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

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

How do age, gender, and marital status affect Owensboro, KY car insurance rates? Every Owensboro, 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 Owensboro, 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 $2,858 $2,835 $2,580 $2,749 $10,295 $11,569 $3,178 $3,363
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,368 $2,560 $2,038 $2,268 $9,471 $10,436 $2,463 $2,539
Nationwide $2,312 $2,314 $2,105 $2,191 $4,986 $6,172 $2,598 $2,718
Progressive $1,600 $1,521 $1,441 $1,448 $7,780 $8,774 $1,977 $2,015
State Farm $1,438 $1,438 $1,288 $1,288 $4,269 $5,420 $1,606 $1,785
Travelers $1,697 $1,728 $1,660 $1,666 $7,752 $12,380 $1,769 $2,041
USAA $1,690 $1,692 $1,527 $1,552 $4,474 $4,718 $2,129 $2,329

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Minimum Car Insurance in Owensboro, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Owensboro, Kentucky

Insurance Company Poor Fair Good
Allstate $6,514 $4,506 $3,766
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,078 $3,754 $2,972
Nationwide $3,840 $3,036 $2,648
Progressive $3,695 $3,238 $3,025
State Farm $3,348 $2,023 $1,579
Travelers $4,274 $3,626 $3,610
USAA $3,733 $2,097 $1,711

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

Annual Owensboro, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,111 $5,325 $5,660 $4,618
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,567 $5,462 $4,255 $3,787
Nationwide $2,560 $3,260 $4,077 $2,801
Progressive $2,750 $4,062 $3,133 $3,333
State Farm $2,118 $2,515 $2,317 $2,317
Travelers $3,358 $3,453 $4,943 $3,593
USAA $1,898 $2,679 $3,194 $2,285

Cheapest Owensboro, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Owensboro, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,295 $11,569
GEICO $6,876 $8,160
Liberty Mutual $9,471 $10,436
Nationwide $4,986 $6,172
Progressive $7,780 $8,774
State Farm $4,269 $5,420
Travelers $7,752 $12,380
USAA $4,474 $4,718

Cheapest Owensboro, KY Car Insurance for Seniors

Take a look at Owensboro, 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 Owensboro, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,580 $2,749
GEICO $3,530 $3,197
Liberty Mutual $2,038 $2,268
Nationwide $2,105 $2,191
Progressive $1,441 $1,448
State Farm $1,288 $1,288
Travelers $1,660 $1,666
USAA $1,527 $1,552

Cheapest Owensboro, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Owensboro, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,660
GEICO $6,759
Liberty Mutual $4,255
Nationwide $4,077
Progressive $3,133
State Farm $2,317
Travelers $4,943
USAA $3,194

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Cheapest Owensboro, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Owensboro, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,929 $4,929
GEICO $4,139 $4,217
Liberty Mutual $4,268 $4,268
Nationwide $3,175 $3,175
Progressive $3,319 $3,319
State Farm $2,258 $2,375
Travelers $3,837 $3,837
USAA $2,421 $2,607

Cheapest Owensboro, KY Car Insurance Rates by ZIP Code

Owensboro car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Owensboro, KY.

Annual Car Insurance Rates by ZIP Code in Owensboro, Kentucky

ZIP Code Average Annual Rates
42301 $3,147
42303 $3,150

The Best Cheap Car Insurance Companies in Owensboro, KY

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

Average Annual Car Insurance Rates by Company in Owensboro, Kentucky

Insurance Company Average Annual Rates
Allstate $4,929
GEICO $4,178
Liberty Mutual $4,268
Nationwide $3,175
Progressive $3,319
State Farm $2,317
Travelers $3,837
USAA $2,514

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Category Winners: Cheapest Car Insurance in Owensboro, Kentucky

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

Best Annual Car Insurance Rates by Company in Owensboro, Kentucky

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

Cheapest Owensboro, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Owensboro, Kentucky

Insurance Company Low Medium High
Allstate $4,608 $4,910 $5,267
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,073 $4,241 $4,489
Nationwide $3,202 $3,141 $3,180
Progressive $3,060 $3,287 $3,611
State Farm $2,165 $2,315 $2,469
Travelers $3,643 $3,856 $4,010
USAA $2,400 $2,508 $2,633

What affects car insurance rates in Owensboro, Kentucky?

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

Commute Time in Owensboro

The more time you spend in your car the higher the risk of an accident. The average commute length in Owensboro, KY is 17.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Owensboro, KY

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

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