Compare Totz, KY Car Insurance Rates (2021)

Car insurance in Totz, KY averages $531 a month. Totz, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Totz car insurance rates, compare quotes from the top car insurance companies in Totz, 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 Totz for teen drivers is USAA
  • The cheapest car insurance company in Totz is USAA
  • Average car insurance rates in Totz, KY after a DUI are $7,639/year

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

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

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

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

How do age, gender, and marital status affect Totz, KY car insurance rates? Every Totz, 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 Totz, 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 $5,901 $5,813 $5,429 $5,771 $22,046 $24,392 $6,386 $6,654
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,887 $4,228 $3,274 $3,679 $16,417 $18,221 $4,075 $4,265
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,636 $2,488 $2,384 $2,386 $13,290 $15,065 $3,270 $3,312
State Farm $2,373 $2,373 $2,132 $2,132 $6,432 $7,952 $2,638 $2,884
Travelers $2,997 $3,047 $2,977 $2,976 $15,522 $25,211 $3,144 $3,581
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

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Minimum Car Insurance in Totz, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Totz, Kentucky

Insurance Company Poor Fair Good
Allstate $13,886 $9,334 $7,677
GEICO $8,861 $4,424 $2,884
Liberty Mutual $10,427 $6,351 $4,989
Nationwide $9,986 $7,742 $6,667
Progressive $6,249 $5,465 $5,096
State Farm $5,177 $3,169 $2,497
Travelers $8,281 $7,017 $6,998
USAA $4,820 $2,697 $2,196

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

Annual Totz, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,531 $11,122 $11,908 $9,635
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $6,036 $9,330 $7,235 $6,421
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,623 $6,903 $5,271 $5,619
State Farm $3,317 $3,912 $3,614 $3,614
Travelers $6,460 $6,644 $9,692 $6,931
USAA $2,436 $3,454 $4,127 $2,933

Cheapest Totz, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Totz, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,046 $24,392
GEICO $8,902 $10,417
Liberty Mutual $16,417 $18,221
Nationwide $13,093 $16,143
Progressive $13,290 $15,065
State Farm $6,432 $7,952
Travelers $15,522 $25,211
USAA $5,756 $6,065

Cheapest Totz, KY Car Insurance for Seniors

Take a look at Totz, 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 Totz, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,429 $5,771
GEICO $4,595 $4,158
Liberty Mutual $3,274 $3,679
Nationwide $5,260 $5,461
Progressive $2,384 $2,386
State Farm $2,132 $2,132
Travelers $2,977 $2,976
USAA $1,955 $1,999

Cheapest Totz, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Totz, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,908
GEICO $8,597
Liberty Mutual $7,235
Nationwide $10,669
Progressive $5,271
State Farm $3,614
Travelers $9,692
USAA $4,127

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Cheapest Totz, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Totz, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,299 $10,299
GEICO $5,341 $5,438
Liberty Mutual $7,256 $7,256
Nationwide $8,132 $8,132
Progressive $5,604 $5,604
State Farm $3,523 $3,706
Travelers $7,432 $7,432
USAA $3,114 $3,361

The Best Cheap Car Insurance Companies in Totz, KY

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

Average Annual Car Insurance Rates by Company in Totz, Kentucky

Insurance Company Average Annual Rates
Allstate $10,299
GEICO $5,390
Liberty Mutual $7,256
Nationwide $8,132
Progressive $5,604
State Farm $3,614
Travelers $7,432
USAA $3,238

Category Winners: Cheapest Car Insurance in Totz, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Totz, Kentucky

Insurance Company Low Medium High
Allstate $8,843 $10,209 $11,846
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,874 $7,207 $7,686
Nationwide $8,122 $7,993 $8,280
Progressive $5,084 $5,497 $6,230
State Farm $3,381 $3,601 $3,861
Travelers $6,981 $7,454 $7,860
USAA $3,078 $3,229 $3,405

Compare Car Insurance Quotes in Totz, KY

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

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