Best Cheap Auto Insurance in Ashland, KY (2021)

The average Ashland, KY auto insurance rates are $358 per month. The minimum auto insurance in Ashland is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Ashland, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Ashland, KY for senior drivers are $2,444 per year
  • The most expensive auto insurance company in Ashland for teen drivers is Allstate
  • The minimum auto insurance required in Ashland, Kentucky is 25/50/25

Ashland, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Ashland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ashland, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Ashland to other Kentucky cities, including Richmond auto insurance rates, Florence auto insurance rates, and Owensboro auto insurance rates to see how Ashland, Kentucky auto insurance rates stack up.

Before you buy Ashland, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ashland, Kentucky auto insurance quotes.

Minimum Auto Insurance in Ashland, Kentucky

Ashland, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ashland, Kentucky.

Minimum Required Auto Insurance Coverage in Ashland, 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

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Cheap Ashland, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ashland, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ashland, 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 $3,450 $3,407 $3,130 $3,338 $13,025 $14,602 $3,799 $4,001
GEICO $3,709 $3,438 $3,873 $3,508 $7,451 $8,824 $3,033 $2,624
Liberty Mutual $2,823 $3,063 $2,442 $2,726 $10,870 $11,977 $2,926 $3,002
Nationwide $3,516 $3,512 $3,200 $3,331 $7,480 $9,251 $3,944 $4,119
Progressive $2,042 $1,938 $1,843 $1,847 $10,114 $11,443 $2,530 $2,573
State Farm $1,664 $1,664 $1,490 $1,490 $4,899 $6,203 $1,855 $2,067
Travelers $1,855 $1,889 $1,817 $1,826 $8,811 $14,243 $1,934 $2,218
USAA $1,780 $1,780 $1,612 $1,635 $4,806 $5,052 $2,246 $2,457

Cheap Ashland, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ashland, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Ashland, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Ashland, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,025 $14,602
GEICO $7,451 $8,824
Liberty Mutual $10,870 $11,977
Nationwide $7,480 $9,251
Progressive $10,114 $11,443
State Farm $4,899 $6,203
Travelers $8,811 $14,243
USAA $4,806 $5,052

Cheap Ashland, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Ashland, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ashland, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,130 $3,338
GEICO $3,873 $3,508
Liberty Mutual $2,442 $2,726
Nationwide $3,200 $3,331
Progressive $1,843 $1,847
State Farm $1,490 $1,490
Travelers $1,817 $1,826
USAA $1,612 $1,635

Cheap Ashland, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ashland, Kentucky compared to the annual auto insurance rates with a clean record in Ashland, Kentucky.

Annual Ashland, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,039 $6,594 $7,047 $5,696
GEICO $2,691 $4,826 $7,418 $3,295
Liberty Mutual $4,158 $6,378 $4,961 $4,419
Nationwide $3,852 $4,925 $6,176 $4,223
Progressive $3,548 $5,269 $4,041 $4,306
State Farm $2,440 $2,893 $2,667 $2,667
Travelers $3,784 $3,889 $5,582 $4,041
USAA $2,011 $2,844 $3,407 $2,423

Cheap Ashland, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ashland, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Ashland, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Ashland, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,047
GEICO $7,418
Liberty Mutual $4,961
Nationwide $6,176
Progressive $4,041
State Farm $2,667
Travelers $5,582
USAA $3,407

Cheap Ashland, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ashland, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Ashland, Kentucky

Insurance Company Poor Fair Good
Allstate $8,083 $5,570 $4,630
GEICO $7,493 $3,742 $2,438
Liberty Mutual $7,119 $4,367 $3,451
Nationwide $5,864 $4,565 $3,953
Progressive $4,779 $4,185 $3,909
State Farm $3,845 $2,331 $1,824
Travelers $4,811 $4,088 $4,074
USAA $3,956 $2,233 $1,824

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Cheap Ashland, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ashland, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Ashland, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ashland, Kentucky

ZIP Code Average Annual Rates
41101 $3,823
41102 $3,806

Cheap Ashland, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Ashland, Kentucky auto insurance. Find the cheapest annual Ashland, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ashland, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,094 $6,094
GEICO $4,514 $4,601
Liberty Mutual $4,979 $4,979
Nationwide $4,794 $4,794
Progressive $4,291 $4,291
State Farm $2,601 $2,732
Travelers $4,324 $4,324
USAA $2,572 $2,771

Cheap Ashland, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ashland, Kentucky? Check out the comparison of annual Ashland, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ashland, Kentucky

Insurance Company Low Medium High
Allstate $5,593 $6,067 $6,622
GEICO $4,251 $4,551 $4,871
Liberty Mutual $4,706 $4,941 $5,290
Nationwide $4,753 $4,727 $4,902
Progressive $3,904 $4,226 $4,743
State Farm $2,497 $2,661 $2,841
Travelers $4,072 $4,342 $4,558
USAA $2,539 $2,665 $2,810

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Best By Category: Cheapest Auto Insurance in Ashland, Kentucky

Compare the cheapest auto insurance companies in Ashland, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ashland, 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

The Cheapest Ashland, Kentucky Auto Insurance Companies

What auto insurance companies in Ashland, Kentucky are the cheapest? Compare the top Ashland, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ashland, Kentucky

Insurance Company Average Annual Rates
Allstate $6,094
GEICO $4,557
Liberty Mutual $4,979
Nationwide $4,794
Progressive $4,291
State Farm $2,667
Travelers $4,324
USAA $2,671

What affects auto insurance rates in Ashland, Kentucky?

There are a lot of reasons why auto insurance rates in Ashland, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ashland, Kentucky. Many local factors may affect your Ashland auto insurance rates.

Ashland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ashland, Kentucky commute length is 20.0 minutes according to City-Data.

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Compare Ashland, Kentucky Auto Insurance Quotes

Before you buy Ashland, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ashland, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

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

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