Compare Shelbyville, KY Car Insurance Rates (2021)

Car insurance in Shelbyville, KY averages $358 a month. Shelbyville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Shelbyville car insurance rates, compare quotes from the top car insurance companies in Shelbyville, 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

  • Average car insurance rates in Shelbyville, KY are $4,300/year
  • Average car insurance rates in Shelbyville, KY after a DUI are $5,144/year
  • The cheapest car insurance company in Shelbyville is USAA

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

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

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

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

How do age, gender, and marital status affect Shelbyville, KY car insurance rates? Every Shelbyville, 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 Shelbyville, 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 $3,229 $3,185 $2,929 $3,125 $12,408 $13,964 $3,551 $3,738
GEICO $3,286 $3,041 $3,436 $3,112 $6,749 $7,991 $2,682 $2,313
Liberty Mutual $2,574 $2,787 $2,179 $2,435 $10,950 $12,128 $2,694 $2,810
Nationwide $3,194 $3,199 $2,882 $3,013 $7,284 $9,099 $3,630 $3,821
Progressive $2,122 $2,016 $1,908 $1,915 $10,408 $11,772 $2,630 $2,684
State Farm $1,895 $1,895 $1,691 $1,691 $5,656 $7,173 $2,117 $2,365
Travelers $2,144 $2,180 $2,116 $2,118 $10,447 $16,772 $2,246 $2,573
USAA $1,779 $1,781 $1,611 $1,636 $4,749 $5,000 $2,242 $2,453

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Minimum Car Insurance in Shelbyville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Shelbyville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,620 $5,282 $4,396
GEICO $6,702 $3,346 $2,180
Liberty Mutual $6,880 $4,237 $3,343
Nationwide $5,472 $4,319 $3,755
Progressive $4,943 $4,321 $4,032
State Farm $4,433 $2,670 $2,079
Travelers $5,652 $4,795 $4,777
USAA $3,939 $2,218 $1,811

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

Annual Shelbyville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,753 $6,242 $6,684 $5,385
GEICO $2,428 $4,321 $6,581 $2,974
Liberty Mutual $4,018 $6,182 $4,808 $4,270
Nationwide $3,590 $4,644 $5,874 $3,954
Progressive $3,665 $5,431 $4,179 $4,451
State Farm $2,798 $3,323 $3,060 $3,060
Travelers $4,423 $4,548 $6,586 $4,741
USAA $2,003 $2,830 $3,380 $2,413

Cheapest Shelbyville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shelbyville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,408 $13,964
GEICO $6,749 $7,991
Liberty Mutual $10,950 $12,128
Nationwide $7,284 $9,099
Progressive $10,408 $11,772
State Farm $5,656 $7,173
Travelers $10,447 $16,772
USAA $4,749 $5,000

Cheapest Shelbyville, KY Car Insurance for Seniors

Take a look at Shelbyville, 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 Shelbyville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,929 $3,125
GEICO $3,436 $3,112
Liberty Mutual $2,179 $2,435
Nationwide $2,882 $3,013
Progressive $1,908 $1,915
State Farm $1,691 $1,691
Travelers $2,116 $2,118
USAA $1,611 $1,636

Cheapest Shelbyville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shelbyville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,684
GEICO $6,581
Liberty Mutual $4,808
Nationwide $5,874
Progressive $4,179
State Farm $3,060
Travelers $6,586
USAA $3,380

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Cheapest Shelbyville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shelbyville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,766 $5,766
GEICO $4,038 $4,114
Liberty Mutual $4,820 $4,820
Nationwide $4,515 $4,515
Progressive $4,432 $4,432
State Farm $2,985 $3,136
Travelers $5,075 $5,075
USAA $2,557 $2,755

The Best Cheap Car Insurance Companies in Shelbyville, KY

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

Average Annual Car Insurance Rates by Company in Shelbyville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,766
GEICO $4,076
Liberty Mutual $4,820
Nationwide $4,515
Progressive $4,432
State Farm $3,060
Travelers $5,075
USAA $2,656

Category Winners: Cheapest Car Insurance in Shelbyville, Kentucky

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

Best Annual Car Insurance Rates by Company in Shelbyville, Kentucky

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

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Cheapest Shelbyville, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelbyville, Kentucky

Insurance Company Low Medium High
Allstate $5,344 $5,743 $6,212
GEICO $3,806 $4,060 $4,363
Liberty Mutual $4,591 $4,790 $5,078
Nationwide $4,558 $4,470 $4,518
Progressive $4,079 $4,377 $4,839
State Farm $2,886 $3,060 $3,235
Travelers $4,807 $5,100 $5,317
USAA $2,526 $2,650 $2,792

What affects car insurance rates in Shelbyville, Kentucky?

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

Commute Time in Shelbyville

The more time you spend in your car the higher the risk of an accident. The average commute length in Shelbyville, KY is 25.1 minutes according to City-Data.

Compare Car Insurance Quotes in Shelbyville, KY

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

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