Compare Waddy, KY Car Insurance Rates (2021)

Car insurance in Waddy, KY averages $358 a month. Waddy, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waddy car insurance rates, compare quotes from the top car insurance companies in Waddy, 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 Waddy, KY after a DUI are $5,140/year
  • The cheapest car insurance company in Waddy is USAA
  • The cheapest car insurance company in Waddy for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Waddy, KY car insurance rates? Every Waddy, 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 Waddy, 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 $3,150 $3,109 $2,853 $3,041 $11,893 $13,355 $3,473 $3,664
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 $2,157 $2,048 $1,936 $1,947 $10,531 $11,898 $2,672 $2,725
State Farm $1,928 $1,928 $1,720 $1,720 $5,744 $7,288 $2,154 $2,405
Travelers $2,174 $2,211 $2,147 $2,148 $10,612 $17,037 $2,278 $2,609
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 Waddy, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Waddy, Kentucky

Insurance Company Poor Fair Good
Allstate $7,365 $5,095 $4,241
GEICO $6,702 $3,346 $2,180
Liberty Mutual $6,880 $4,237 $3,343
Nationwide $5,472 $4,319 $3,755
Progressive $5,012 $4,376 $4,080
State Farm $4,507 $2,713 $2,113
Travelers $5,739 $4,867 $4,849
USAA $3,939 $2,218 $1,811

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

Annual Waddy, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,598 $6,025 $6,444 $5,202
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 $3,713 $5,499 $4,236 $4,509
State Farm $2,845 $3,377 $3,111 $3,111
Travelers $4,489 $4,617 $6,688 $4,813
USAA $2,003 $2,830 $3,380 $2,413

Cheapest Waddy, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waddy, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,893 $13,355
GEICO $6,749 $7,991
Liberty Mutual $10,950 $12,128
Nationwide $7,284 $9,099
Progressive $10,531 $11,898
State Farm $5,744 $7,288
Travelers $10,612 $17,037
USAA $4,749 $5,000

Cheapest Waddy, KY Car Insurance for Seniors

Take a look at Waddy, 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 Waddy, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,853 $3,041
GEICO $3,436 $3,112
Liberty Mutual $2,179 $2,435
Nationwide $2,882 $3,013
Progressive $1,936 $1,947
State Farm $1,720 $1,720
Travelers $2,147 $2,148
USAA $1,611 $1,636

Cheapest Waddy, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waddy, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,444
GEICO $6,581
Liberty Mutual $4,808
Nationwide $5,874
Progressive $4,236
State Farm $3,111
Travelers $6,688
USAA $3,380

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Cheapest Waddy, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waddy, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,567 $5,567
GEICO $4,038 $4,114
Liberty Mutual $4,820 $4,820
Nationwide $4,515 $4,515
Progressive $4,489 $4,489
State Farm $3,033 $3,188
Travelers $5,152 $5,152
USAA $2,557 $2,755

The Best Cheap Car Insurance Companies in Waddy, KY

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

Average Annual Car Insurance Rates by Company in Waddy, Kentucky

Insurance Company Average Annual Rates
Allstate $5,567
GEICO $4,076
Liberty Mutual $4,820
Nationwide $4,515
Progressive $4,489
State Farm $3,111
Travelers $5,152
USAA $2,656

Category Winners: Cheapest Car Insurance in Waddy, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Waddy, Kentucky

Insurance Company Low Medium High
Allstate $5,174 $5,545 $5,982
GEICO $3,806 $4,060 $4,363
Liberty Mutual $4,591 $4,790 $5,078
Nationwide $4,558 $4,470 $4,518
Progressive $4,155 $4,439 $4,874
State Farm $2,932 $3,111 $3,290
Travelers $4,879 $5,176 $5,400
USAA $2,526 $2,650 $2,792

Compare Car Insurance Quotes in Waddy, KY

Ready to find affordable Waddy, Kentucky car insurance today? Enter your ZIP code for fast, free Waddy, 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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