Compare Water Valley, KY Car Insurance Rates (2021)

Car insurance in Water Valley, KY averages $348 a month. Water Valley, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Water Valley car insurance rates, compare quotes from the top car insurance companies in Water Valley, 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 Water Valley, KY after a DUI are $4,968/year
  • Average car insurance rates in Water Valley, KY are $4,176/year
  • The cheapest car insurance company in Water Valley is USAA

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

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

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

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

How do age, gender, and marital status affect Water Valley, KY car insurance rates? Every Water Valley, 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 Water Valley, 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 $3,120 $3,103 $2,798 $2,988 $11,177 $12,562 $3,500 $3,720
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,648 $2,874 $2,251 $2,517 $10,519 $11,646 $2,777 $2,905
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,032 $1,950 $1,806 $1,826 $9,407 $10,634 $2,521 $2,588
State Farm $2,172 $2,172 $1,939 $1,939 $6,671 $8,411 $2,426 $2,745
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
USAA $1,910 $1,924 $1,714 $1,758 $4,984 $5,272 $2,425 $2,671

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Minimum Car Insurance in Water Valley, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Water Valley, Kentucky

Insurance Company Poor Fair Good
Allstate $7,102 $4,907 $4,104
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,818 $4,178 $3,305
Nationwide $4,672 $3,666 $3,197
Progressive $4,604 $3,982 $3,700
State Farm $5,161 $3,103 $2,414
Travelers $5,751 $4,866 $4,847
USAA $4,227 $2,354 $1,915

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

Annual Water Valley, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,489 $5,807 $6,155 $5,033
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,986 $6,101 $4,752 $4,228
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,393 $4,988 $3,873 $4,128
State Farm $3,242 $3,877 $3,559 $3,559
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,135 $3,024 $3,602 $2,568

Cheapest Water Valley, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Water Valley, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,177 $12,562
GEICO $6,168 $7,329
Liberty Mutual $10,519 $11,646
Nationwide $6,037 $7,550
Progressive $9,407 $10,634
State Farm $6,671 $8,411
Travelers $10,535 $16,904
USAA $4,984 $5,272

Cheapest Water Valley, KY Car Insurance for Seniors

Take a look at Water Valley, 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 Water Valley, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,988
GEICO $3,218 $2,914
Liberty Mutual $2,251 $2,517
Nationwide $2,519 $2,640
Progressive $1,806 $1,826
State Farm $1,939 $1,939
Travelers $2,169 $2,175
USAA $1,714 $1,758

Cheapest Water Valley, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Water Valley, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,155
GEICO $6,130
Liberty Mutual $4,752
Nationwide $4,997
Progressive $3,873
State Farm $3,559
Travelers $6,674
USAA $3,602

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Cheapest Water Valley, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Water Valley, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,371 $5,371
GEICO $3,750 $3,821
Liberty Mutual $4,767 $4,767
Nationwide $3,845 $3,845
Progressive $4,095 $4,095
State Farm $3,475 $3,644
Travelers $5,155 $5,155
USAA $2,726 $2,938

The Best Cheap Car Insurance Companies in Water Valley, KY

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

Average Annual Car Insurance Rates by Company in Water Valley, Kentucky

Insurance Company Average Annual Rates
Allstate $5,371
GEICO $3,785
Liberty Mutual $4,767
Nationwide $3,845
Progressive $4,095
State Farm $3,559
Travelers $5,155
USAA $2,832

Category Winners: Cheapest Car Insurance in Water Valley, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Water Valley, Kentucky

Insurance Company Low Medium High
Allstate $5,050 $5,353 $5,710
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,554 $4,739 $5,008
Nationwide $3,908 $3,801 $3,826
Progressive $3,822 $4,051 $4,413
State Farm $3,395 $3,559 $3,725
Travelers $4,897 $5,179 $5,389
USAA $2,715 $2,826 $2,956

What affects car insurance rates in Water Valley, Kentucky?

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

Commute Time in Water Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Water Valley, KY is 20.5 minutes according to City-Data.

Compare Car Insurance Quotes in Water Valley, KY

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

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