Compare Providence, KY Car Insurance Rates (2021)

Car insurance in Providence, KY averages $355 a month. Providence, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Providence car insurance rates, compare quotes from the top car insurance companies in Providence, 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

  • The cheapest car insurance company in Providence for teen drivers is USAA
  • Average car insurance rates in Providence, KY after a DUI are $5,086/year
  • Average car insurance rates in Providence, KY are $4,264/year

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

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

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

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

How do age, gender, and marital status affect Providence, KY car insurance rates? Every Providence, 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 Providence, 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 $3,178 $3,169 $2,842 $3,036 $11,199 $12,583 $3,585 $3,818
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,514 $2,729 $2,140 $2,390 $9,741 $10,777 $2,642 $2,769
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,229 $2,149 $1,970 $1,996 $10,158 $11,495 $2,771 $2,861
State Farm $2,299 $2,299 $2,057 $2,057 $7,011 $8,840 $2,566 $2,895
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
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 Providence, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Providence, Kentucky

Insurance Company Poor Fair Good
Allstate $7,178 $4,953 $4,148
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,381 $3,909 $3,098
Nationwide $4,672 $3,666 $3,197
Progressive $5,018 $4,327 $4,016
State Farm $5,430 $3,275 $2,554
Travelers $5,751 $4,866 $4,847
USAA $4,165 $2,317 $1,884

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

Annual Providence, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,552 $5,865 $6,198 $5,090
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,738 $5,703 $4,449 $3,961
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,691 $5,410 $4,216 $4,498
State Farm $3,421 $4,085 $3,753 $3,753
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,103 $2,980 $3,541 $2,530

Cheapest Providence, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Providence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,199 $12,583
GEICO $6,831 $8,150
Liberty Mutual $9,741 $10,777
Nationwide $6,037 $7,550
Progressive $10,158 $11,495
State Farm $7,011 $8,840
Travelers $10,535 $16,904
USAA $4,875 $5,165

Cheapest Providence, KY Car Insurance for Seniors

Take a look at Providence, 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 Providence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,842 $3,036
GEICO $3,608 $3,267
Liberty Mutual $2,140 $2,390
Nationwide $2,519 $2,640
Progressive $1,970 $1,996
State Farm $2,057 $2,057
Travelers $2,169 $2,175
USAA $1,693 $1,740

Cheapest Providence, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Providence, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,198
GEICO $6,862
Liberty Mutual $4,449
Nationwide $4,997
Progressive $4,216
State Farm $3,753
Travelers $6,674
USAA $3,541

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Cheapest Providence, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Providence, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,426 $5,426
GEICO $4,191 $4,270
Liberty Mutual $4,463 $4,463
Nationwide $3,845 $3,845
Progressive $4,454 $4,454
State Farm $3,664 $3,842
Travelers $5,155 $5,155
USAA $2,683 $2,894

The Best Cheap Car Insurance Companies in Providence, KY

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

Average Annual Car Insurance Rates by Company in Providence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,426
GEICO $4,231
Liberty Mutual $4,463
Nationwide $3,845
Progressive $4,454
State Farm $3,753
Travelers $5,155
USAA $2,789

Category Winners: Cheapest Car Insurance in Providence, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Providence, Kentucky

Insurance Company Low Medium High
Allstate $5,111 $5,408 $5,759
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,284 $4,439 $4,666
Nationwide $3,908 $3,801 $3,826
Progressive $4,185 $4,413 $4,763
State Farm $3,560 $3,749 $3,950
Travelers $4,897 $5,179 $5,389
USAA $2,673 $2,783 $2,910

What affects car insurance rates in Providence, Kentucky?

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

Commute Time in Providence

The more time you spend in your car the higher the risk of an accident. The average commute length in Providence, KY is 26.8 minutes according to City-Data.

Traffic in Providence

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Providence, KY traffic data from INRIX ranks Providence as the 152nd-most congested in the world.

Compare Car Insurance Quotes in Providence, KY

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

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