Compare Owingsville, KY Car Insurance Rates (2021)

Car insurance in Owingsville, KY averages $375 a month. Owingsville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Owingsville car insurance rates, compare quotes from the top car insurance companies in Owingsville, 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 Owingsville is USAA
  • Average car insurance rates in Owingsville, KY are $4,497/year
  • Average car insurance rates in Owingsville, KY after a DUI are $5,385/year

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

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

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

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

How do age, gender, and marital status affect Owingsville, KY car insurance rates? Every Owingsville, 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 Owingsville, 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 $3,108 $3,057 $2,827 $3,010 $11,869 $13,336 $3,400 $3,576
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,466 $3,747 $3,093 $3,421 $13,657 $14,855 $3,518 $3,475
Nationwide $3,199 $3,201 $2,887 $3,016 $7,262 $9,049 $3,633 $3,814
Progressive $2,097 $1,997 $1,879 $1,889 $10,158 $11,502 $2,602 $2,666
State Farm $1,842 $1,842 $1,645 $1,645 $5,412 $6,850 $2,053 $2,294
Travelers $2,277 $2,317 $2,240 $2,242 $10,974 $17,609 $2,380 $2,746
USAA $1,836 $1,842 $1,654 $1,686 $4,862 $5,131 $2,321 $2,544

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Minimum Car Insurance in Owingsville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Owingsville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,308 $5,057 $4,203
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,815 $5,408 $4,239
Nationwide $5,472 $4,309 $3,742
Progressive $4,860 $4,237 $3,949
State Farm $4,255 $2,575 $2,013
Travelers $5,966 $5,049 $5,029
USAA $4,072 $2,277 $1,855

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

Annual Owingsville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,545 $5,976 $6,414 $5,156
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $5,095 $7,921 $6,138 $5,462
Nationwide $3,583 $4,636 $5,866 $3,946
Progressive $3,598 $5,319 $4,105 $4,373
State Farm $2,699 $3,197 $2,948 $2,948
Travelers $4,661 $4,795 $6,935 $5,001
USAA $2,062 $2,916 $3,479 $2,482

Cheapest Owingsville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Owingsville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,869 $13,336
GEICO $7,170 $8,568
Liberty Mutual $13,657 $14,855
Nationwide $7,262 $9,049
Progressive $10,158 $11,502
State Farm $5,412 $6,850
Travelers $10,974 $17,609
USAA $4,862 $5,131

Cheapest Owingsville, KY Car Insurance for Seniors

Take a look at Owingsville, 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 Owingsville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,827 $3,010
GEICO $3,742 $3,389
Liberty Mutual $3,093 $3,421
Nationwide $2,887 $3,016
Progressive $1,879 $1,889
State Farm $1,645 $1,645
Travelers $2,240 $2,242
USAA $1,654 $1,686

Cheapest Owingsville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Owingsville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,414
GEICO $7,199
Liberty Mutual $6,138
Nationwide $5,866
Progressive $4,105
State Farm $2,948
Travelers $6,935
USAA $3,479

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Cheapest Owingsville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Owingsville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,523 $5,523
GEICO $4,371 $4,456
Liberty Mutual $6,154 $6,154
Nationwide $4,508 $4,508
Progressive $4,349 $4,349
State Farm $2,876 $3,019
Travelers $5,348 $5,348
USAA $2,633 $2,836

The Best Cheap Car Insurance Companies in Owingsville, KY

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

Average Annual Car Insurance Rates by Company in Owingsville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,523
GEICO $4,413
Liberty Mutual $6,154
Nationwide $4,508
Progressive $4,349
State Farm $2,948
Travelers $5,348
USAA $2,735

Category Winners: Cheapest Car Insurance in Owingsville, Kentucky

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

Best Annual Car Insurance Rates by Company in Owingsville, Kentucky

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

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Cheapest Owingsville, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Owingsville, Kentucky

Insurance Company Low Medium High
Allstate $5,130 $5,501 $5,937
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,748 $6,090 $6,624
Nationwide $4,563 $4,454 $4,506
Progressive $4,033 $4,299 $4,715
State Farm $2,775 $2,943 $3,126
Travelers $5,075 $5,371 $5,598
USAA $2,617 $2,729 $2,858

What affects car insurance rates in Owingsville, Kentucky?

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

Commute Time in Owingsville

The more time you spend in your car the higher the risk of an accident. The average commute length in Owingsville, KY is 20.5 minutes according to City-Data.

Compare Car Insurance Quotes in Owingsville, KY

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

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