Best Cheap Auto Insurance in Austin, KY (2021)

The average Austin, KY auto insurance rates are $351 per month. The minimum auto insurance in Austin is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Austin, 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 Austin, KY for senior drivers are $2,355 per year
  • The minimum auto insurance required in Austin, Kentucky is 25/50/25
  • The most expensive auto insurance company in Austin for teen drivers is Travelers

Austin, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Austin 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 Austin, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Austin to other Kentucky cities, including Nicholasville auto insurance rates, Owensboro auto insurance rates, and George auto insurance rates to see how Austin, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Austin, Kentucky

Austin, 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 Austin, Kentucky.

Minimum Required Auto Insurance Coverage in Austin, 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 Austin, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Austin, 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 Austin, 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 $2,905 $2,872 $2,628 $2,798 $10,685 $12,000 $3,213 $3,395
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,716 $2,940 $2,388 $2,658 $10,379 $11,379 $2,779 $2,792
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,017 $1,916 $1,816 $1,822 $9,902 $11,195 $2,499 $2,547
State Farm $1,744 $1,744 $1,556 $1,556 $5,170 $6,562 $1,947 $2,171
Travelers $2,463 $2,508 $2,418 $2,420 $11,787 $18,844 $2,574 $2,991
USAA $1,749 $1,748 $1,587 $1,609 $4,694 $4,929 $2,201 $2,404

Cheap Austin, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Austin, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,685 $12,000
GEICO $6,851 $8,131
Liberty Mutual $10,379 $11,379
Nationwide $6,819 $8,506
Progressive $9,902 $11,195
State Farm $5,170 $6,562
Travelers $11,787 $18,844
USAA $4,694 $4,929

Cheap Austin, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Austin, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,628 $2,798
GEICO $3,510 $3,179
Liberty Mutual $2,388 $2,658
Nationwide $2,800 $2,930
Progressive $1,816 $1,822
State Farm $1,556 $1,556
Travelers $2,418 $2,420
USAA $1,587 $1,609

Cheap Austin, 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 Austin, Kentucky compared to the annual auto insurance rates with a clean record in Austin, Kentucky.

Annual Austin, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,200 $5,473 $5,839 $4,736
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,964 $6,095 $4,735 $4,221
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,486 $5,166 $3,974 $4,232
State Farm $2,567 $3,045 $2,806 $2,806
Travelers $5,008 $5,155 $7,460 $5,380
USAA $1,973 $2,784 $3,329 $2,374

Cheap Austin, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Austin, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,839
GEICO $6,731
Liberty Mutual $4,735
Nationwide $5,612
Progressive $3,974
State Farm $2,806
Travelers $7,460
USAA $3,329

Cheap Austin, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Austin, Kentucky

Insurance Company Poor Fair Good
Allstate $6,692 $4,631 $3,863
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,779 $4,181 $3,302
Nationwide $5,239 $4,104 $3,569
Progressive $4,699 $4,109 $3,835
State Farm $4,062 $2,448 $1,908
Travelers $6,424 $5,425 $5,403
USAA $3,874 $2,185 $1,786

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Cheap Austin, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Austin, Kentucky

ZIP Code Average Annual Rates
42123 $3,793

Cheap Austin, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Austin, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,062 $5,062
GEICO $4,119 $4,197
Liberty Mutual $4,754 $4,754
Nationwide $4,304 $4,304
Progressive $4,214 $4,214
State Farm $2,736 $2,876
Travelers $5,751 $5,751
USAA $2,517 $2,713

Cheap Austin, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Austin, Kentucky

Insurance Company Low Medium High
Allstate $4,731 $5,043 $5,412
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,447 $4,709 $5,105
Nationwide $4,380 $4,252 $4,281
Progressive $3,873 $4,161 $4,609
State Farm $2,640 $2,805 $2,974
Travelers $5,483 $5,778 $5,991
USAA $2,479 $2,608 $2,759

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Best By Category: Cheapest Auto Insurance in Austin, Kentucky

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

Best Annual Auto Insurance Rates by Company in Austin, 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 Austin, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Austin, Kentucky

Insurance Company Average Annual Rates
Allstate $5,062
GEICO $4,158
Liberty Mutual $4,754
Nationwide $4,304
Progressive $4,214
State Farm $2,806
Travelers $5,751
USAA $2,615

What affects auto insurance rates in Austin, Kentucky?

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

Austin Traffic

How does Austin, Kentucky rank for traffic? According to Inrix Austin, Kentucky is the 207th most congested worldwide.

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Compare Austin, Kentucky Auto Insurance Quotes

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

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