Best Cheap Auto Insurance in Bays, KY (2021)

The average Bays, KY auto insurance rates are $535 per month. The minimum auto insurance in Bays is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Bays, 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

  • The cheapest auto insurance company in Bays is USAA
  • Average auto insurance rates in Bays, KY for senior drivers are $3,516 per year
  • The minimum auto insurance required in Bays, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in Bays, Kentucky

Bays, 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 Bays, Kentucky.

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

Auto insurance rates in Bays, 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 Bays, 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 $5,502 $5,406 $4,996 $5,355 $22,561 $25,040 $6,021 $6,315
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,647 $3,970 $3,089 $3,476 $14,992 $16,644 $3,803 $3,955
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $3,127 $2,961 $2,817 $2,824 $15,581 $17,682 $3,886 $3,944
State Farm $2,834 $2,834 $2,538 $2,538 $7,571 $9,319 $3,155 $3,437
Travelers $2,997 $3,047 $2,977 $2,976 $15,522 $25,211 $3,144 $3,581
USAA $2,027 $2,032 $1,830 $1,861 $5,444 $5,721 $2,563 $2,808

Cheap Bays, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bays, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,561 $25,040
GEICO $8,902 $10,417
Liberty Mutual $14,992 $16,644
Nationwide $12,445 $15,350
Progressive $15,581 $17,682
State Farm $7,571 $9,319
Travelers $15,522 $25,211
USAA $5,444 $5,721

Cheap Bays, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bays, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,996 $5,355
GEICO $4,595 $4,158
Liberty Mutual $3,089 $3,476
Nationwide $5,015 $5,208
Progressive $2,817 $2,824
State Farm $2,538 $2,538
Travelers $2,977 $2,976
USAA $1,830 $1,861

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

Annual Bays, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,271 $11,022 $11,860 $9,444
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $5,577 $8,606 $6,674 $5,930
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,445 $8,126 $6,212 $6,628
State Farm $3,928 $4,628 $4,278 $4,278
Travelers $6,460 $6,644 $9,692 $6,931
USAA $2,286 $3,234 $3,872 $2,750

Cheap Bays, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bays, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,860
GEICO $8,597
Liberty Mutual $6,674
Nationwide $10,137
Progressive $6,212
State Farm $4,278
Travelers $9,692
USAA $3,872

Cheap Bays, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bays, Kentucky

Insurance Company Poor Fair Good
Allstate $13,535 $9,266 $7,647
GEICO $8,861 $4,424 $2,884
Liberty Mutual $9,616 $5,863 $4,612
Nationwide $9,500 $7,372 $6,351
Progressive $7,385 $6,434 $5,990
State Farm $6,145 $3,746 $2,943
Travelers $8,281 $7,017 $6,998
USAA $4,518 $2,529 $2,060

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Cheap Bays, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bays, Kentucky

ZIP Code Average Annual Rates
41310 $5,799

Cheap Bays, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bays, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,149 $10,149
GEICO $5,341 $5,438
Liberty Mutual $6,697 $6,697
Nationwide $7,741 $7,741
Progressive $6,603 $6,603
State Farm $4,167 $4,389
Travelers $7,432 $7,432
USAA $2,922 $3,149

Cheap Bays, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bays, Kentucky

Insurance Company Low Medium High
Allstate $8,946 $10,086 $11,416
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,290 $6,645 $7,156
Nationwide $7,713 $7,608 $7,902
Progressive $5,998 $6,470 $7,340
State Farm $4,023 $4,266 $4,545
Travelers $6,981 $7,454 $7,860
USAA $2,890 $3,028 $3,189

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Best By Category: Cheapest Auto Insurance in Bays, Kentucky

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

Best Annual Auto Insurance Rates by Company in Bays, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Bays, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bays, Kentucky

Insurance Company Average Annual Rates
Allstate $10,149
GEICO $5,390
Liberty Mutual $6,697
Nationwide $7,741
Progressive $6,603
State Farm $4,278
Travelers $7,432
USAA $3,036

Compare Bays, Kentucky Auto Insurance Quotes

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