Compare Waco, KY Car Insurance Rates (2021)

Car insurance in Waco, KY averages $342 a month. Waco, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waco car insurance rates, compare quotes from the top car insurance companies in Waco, 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 Waco, KY after a DUI are $4,897/year
  • Average car insurance rates in Waco, KY are $4,099/year
  • The cheapest car insurance company in Waco is USAA

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

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

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

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

How do age, gender, and marital status affect Waco, KY car insurance rates? Every Waco, 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 Waco, 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 $3,062 $3,010 $2,784 $2,966 $11,840 $13,304 $3,350 $3,523
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,628 $2,847 $2,221 $2,485 $11,403 $12,645 $2,746 $2,859
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,068 $1,957 $1,869 $1,871 $10,339 $11,704 $2,562 $2,606
State Farm $1,588 $1,588 $1,420 $1,420 $4,510 $5,739 $1,768 $1,947
Travelers $1,968 $2,000 $1,947 $1,949 $9,607 $15,435 $2,063 $2,348
USAA $1,668 $1,662 $1,518 $1,531 $4,504 $4,721 $2,088 $2,270

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Minimum Car Insurance in Waco, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Waco, Kentucky

Insurance Company Poor Fair Good
Allstate $7,243 $5,022 $4,174
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,113 $4,377 $3,447
Nationwide $5,260 $4,162 $3,616
Progressive $4,867 $4,266 $3,984
State Farm $3,592 $2,186 $1,714
Travelers $5,190 $4,410 $4,395
USAA $3,694 $2,086 $1,705

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

Annual Waco, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,500 $5,933 $6,373 $5,113
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,145 $6,394 $4,967 $4,410
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,613 $5,372 $4,118 $4,386
State Farm $2,295 $2,700 $2,498 $2,498
Travelers $4,068 $4,182 $6,052 $4,357
USAA $1,885 $2,654 $3,173 $2,269

Cheapest Waco, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waco, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,840 $13,304
GEICO $6,635 $7,852
Liberty Mutual $11,403 $12,645
Nationwide $7,042 $8,761
Progressive $10,339 $11,704
State Farm $4,510 $5,739
Travelers $9,607 $15,435
USAA $4,504 $4,721

Cheapest Waco, KY Car Insurance for Seniors

Take a look at Waco, 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 Waco, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,784 $2,966
GEICO $3,309 $2,996
Liberty Mutual $2,221 $2,485
Nationwide $2,775 $2,893
Progressive $1,869 $1,871
State Farm $1,420 $1,420
Travelers $1,947 $1,949
USAA $1,518 $1,531

Cheapest Waco, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waco, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,373
GEICO $6,360
Liberty Mutual $4,967
Nationwide $5,633
Progressive $4,118
State Farm $2,498
Travelers $6,052
USAA $3,173

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Cheapest Waco, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waco, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,480 $5,480
GEICO $3,921 $3,995
Liberty Mutual $4,979 $4,979
Nationwide $4,346 $4,346
Progressive $4,372 $4,372
State Farm $2,434 $2,561
Travelers $4,665 $4,665
USAA $2,403 $2,587

The Best Cheap Car Insurance Companies in Waco, KY

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

Average Annual Car Insurance Rates by Company in Waco, Kentucky

Insurance Company Average Annual Rates
Allstate $5,480
GEICO $3,958
Liberty Mutual $4,979
Nationwide $4,346
Progressive $4,372
State Farm $2,498
Travelers $4,665
USAA $2,495

Category Winners: Cheapest Car Insurance in Waco, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Waco, Kentucky

Insurance Company Low Medium High
Allstate $5,091 $5,458 $5,890
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,711 $4,945 $5,281
Nationwide $4,367 $4,301 $4,370
Progressive $3,996 $4,307 $4,813
State Farm $2,315 $2,493 $2,685
Travelers $4,405 $4,687 $4,902
USAA $2,365 $2,488 $2,633

What affects car insurance rates in Waco, Kentucky?

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

Traffic in Waco

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waco, KY traffic data from INRIX ranks Waco as the 918th-most congested in the world.

Compare Car Insurance Quotes in Waco, KY

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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