Compare River, KY Car Insurance Rates (2021)

Car insurance in River, KY averages $585 a month. River, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap River car insurance rates, compare quotes from the top car insurance companies in River, 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 River for teen drivers is USAA
  • Average car insurance rates in River, KY are $7,018/year
  • Average car insurance rates in River, KY after a DUI are $8,350/year

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

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

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

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

How do age, gender, and marital status affect River, KY car insurance rates? Every River, 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 River, 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 $6,009 $5,900 $5,534 $5,881 $22,951 $25,397 $6,476 $6,743
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,612 $5,033 $3,812 $4,314 $20,137 $22,489 $4,870 $5,170
Nationwide $5,612 $5,527 $5,076 $5,251 $12,513 $15,335 $6,384 $6,579
Progressive $3,177 $2,997 $2,887 $2,885 $16,278 $18,455 $3,944 $3,969
State Farm $2,639 $2,639 $2,371 $2,371 $7,103 $8,745 $2,938 $3,196
Travelers $3,912 $3,985 $3,851 $3,859 $19,996 $32,496 $4,089 $4,734
USAA $2,086 $2,099 $1,883 $1,927 $5,515 $5,811 $2,647 $2,914

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Minimum Car Insurance in River, KY

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

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

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

Annual Car Insurance Rates by Credit Score in River, Kentucky

Insurance Company Poor Fair Good
Allstate $14,299 $9,628 $7,907
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,695 $7,691 $6,028
Nationwide $9,567 $7,412 $6,376
Progressive $7,601 $6,657 $6,213
State Farm $5,740 $3,505 $2,756
Travelers $10,741 $9,067 $9,038
USAA $4,625 $2,592 $2,113

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

Annual River, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,738 $11,470 $12,327 $9,911
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,318 $11,336 $8,781 $7,784
Nationwide $6,138 $8,016 $10,201 $6,784
Progressive $5,623 $8,436 $6,403 $6,834
State Farm $3,669 $4,332 $4,000 $4,000
Travelers $8,356 $8,602 $12,529 $8,974
USAA $2,341 $3,319 $3,962 $2,818

Cheapest River, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in River, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,951 $25,397
GEICO $8,902 $10,417
Liberty Mutual $20,137 $22,489
Nationwide $12,513 $15,335
Progressive $16,278 $18,455
State Farm $7,103 $8,745
Travelers $19,996 $32,496
USAA $5,515 $5,811

Cheapest River, KY Car Insurance for Seniors

Take a look at River, 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 River, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,534 $5,881
GEICO $4,595 $4,158
Liberty Mutual $3,812 $4,314
Nationwide $5,076 $5,251
Progressive $2,887 $2,885
State Farm $2,371 $2,371
Travelers $3,851 $3,859
USAA $1,883 $1,927

Cheapest River, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in River, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,327
GEICO $8,597
Liberty Mutual $8,781
Nationwide $10,201
Progressive $6,403
State Farm $4,000
Travelers $12,529
USAA $3,962

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Cheapest River, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in River, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,611 $10,611
GEICO $5,341 $5,438
Liberty Mutual $8,805 $8,805
Nationwide $7,785 $7,785
Progressive $6,824 $6,824
State Farm $3,895 $4,105
Travelers $9,615 $9,615
USAA $2,991 $3,229

The Best Cheap Car Insurance Companies in River, KY

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

Average Annual Car Insurance Rates by Company in River, Kentucky

Insurance Company Average Annual Rates
Allstate $10,611
GEICO $5,390
Liberty Mutual $8,805
Nationwide $7,785
Progressive $6,824
State Farm $4,000
Travelers $9,615
USAA $3,110

Category Winners: Cheapest Car Insurance in River, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in River, Kentucky

Insurance Company Low Medium High
Allstate $9,155 $10,521 $12,158
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,308 $8,746 $9,359
Nationwide $7,752 $7,650 $7,952
Progressive $6,069 $6,661 $7,743
State Farm $3,743 $3,988 $4,270
Travelers $9,076 $9,643 $10,127
USAA $2,950 $3,102 $3,279

What affects car insurance rates in River, Kentucky?

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

Commute Time in River

The more time you spend in your car the higher the risk of an accident. The average commute length in River, KY is 17.8 minutes according to City-Data.

Traffic in River

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. River, KY traffic data from INRIX ranks River as the 539th-most congested in the world.

Compare Car Insurance Quotes in River, KY

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

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