Best Cheap Auto Insurance in Drake, KY (2021)

The average Drake, KY auto insurance rates are $399 per month. The minimum auto insurance in Drake is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Drake, 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 Drake, KY for senior drivers are $2,549 per year
  • The minimum auto insurance required in Drake, Kentucky is 25/50/25
  • The most expensive auto insurance company in Drake for teen drivers is Progressive

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

Compare auto insurance in Drake to other Kentucky cities, including Covington auto insurance rates, Owensboro auto insurance rates, and Elizabeth auto insurance rates to see how Drake, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Drake, Kentucky

Drake, 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 Drake, Kentucky.

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

Auto insurance rates in Drake, 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 Drake, 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 $2,927 $2,896 $2,646 $2,818 $10,724 $12,043 $3,242 $3,428
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,152 $2,325 $1,844 $2,050 $8,885 $9,804 $2,243 $2,321
Nationwide $2,859 $2,851 $2,591 $2,696 $6,391 $7,916 $3,240 $3,385
Progressive $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $1,720 $1,720 $1,541 $1,541 $4,940 $6,156 $1,924 $2,117
Travelers $2,424 $2,468 $2,380 $2,382 $11,580 $18,510 $2,533 $2,942
USAA $1,600 $1,599 $1,453 $1,472 $4,268 $4,488 $2,010 $2,194

Cheap Drake, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Drake, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,724 $12,043
GEICO $6,851 $8,131
Liberty Mutual $8,885 $9,804
Nationwide $6,391 $7,916
Progressive $24,595 $27,972
State Farm $4,940 $6,156
Travelers $11,580 $18,510
USAA $4,268 $4,488

Cheap Drake, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Drake, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,646 $2,818
GEICO $3,510 $3,179
Liberty Mutual $1,844 $2,050
Nationwide $2,591 $2,696
Progressive $4,345 $4,341
State Farm $1,541 $1,541
Travelers $2,380 $2,382
USAA $1,453 $1,472

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

Annual Drake, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,228 $5,504 $5,867 $4,764
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,301 $5,060 $3,943 $3,508
Nationwide $3,188 $4,103 $5,170 $3,503
Progressive $8,524 $12,744 $9,734 $10,386
State Farm $2,473 $2,943 $2,708 $2,708
Travelers $4,923 $5,067 $7,331 $5,288
USAA $1,802 $2,540 $3,032 $2,169

Cheap Drake, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Drake, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,867
GEICO $6,731
Liberty Mutual $3,943
Nationwide $5,170
Progressive $9,734
State Farm $2,708
Travelers $7,331
USAA $3,032

Cheap Drake, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Drake, Kentucky

Insurance Company Poor Fair Good
Allstate $6,731 $4,656 $3,885
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,626 $3,480 $2,753
Nationwide $4,839 $3,817 $3,317
Progressive $11,547 $10,089 $9,405
State Farm $3,918 $2,363 $1,842
Travelers $6,314 $5,333 $5,310
USAA $3,531 $1,995 $1,631

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Cheap Drake, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Drake, Kentucky

ZIP Code Average Annual Rates
42128 $4,458

Cheap Drake, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Drake, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,091 $5,091
GEICO $4,119 $4,197
Liberty Mutual $3,953 $3,953
Nationwide $3,991 $3,991
Progressive $10,347 $10,347
State Farm $2,636 $2,779
Travelers $5,652 $5,652
USAA $2,297 $2,474

Cheap Drake, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Drake, Kentucky

Insurance Company Low Medium High
Allstate $4,760 $5,072 $5,440
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,770 $3,928 $4,160
Nationwide $4,029 $3,950 $3,995
Progressive $9,463 $10,162 $11,416
State Farm $2,551 $2,706 $2,866
Travelers $5,389 $5,679 $5,889
USAA $2,264 $2,380 $2,513

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Best By Category: Cheapest Auto Insurance in Drake, Kentucky

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

Best Annual Auto Insurance Rates by Company in Drake, 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

The Cheapest Drake, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Drake, Kentucky

Insurance Company Average Annual Rates
Allstate $5,091
GEICO $4,158
Liberty Mutual $3,953
Nationwide $3,991
Progressive $10,347
State Farm $2,708
Travelers $5,652
USAA $2,386

What affects auto insurance rates in Drake, Kentucky?

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

Drake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Drake, Kentucky commute length is 28.4 minutes according to City-Data.

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Compare Drake, Kentucky Auto Insurance Quotes

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

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