Best Cheap Auto Insurance in Elkton, KY (2021)

The average Elkton, KY auto insurance rates are $322 per month. The minimum auto insurance in Elkton is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Elkton, 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 minimum auto insurance required in Elkton, Kentucky is 25/50/25
  • The average commute length in Elkton is 22.7 minutes
  • The cheapest auto insurance company in Elkton is USAA

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

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

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

Minimum Auto Insurance in Elkton, Kentucky

Elkton, 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 Elkton, Kentucky.

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

Auto insurance rates in Elkton, 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 Elkton, 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 $3,096 $3,070 $2,788 $2,972 $11,246 $12,625 $3,450 $3,658
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,513 $2,723 $2,157 $2,406 $10,015 $11,055 $2,617 $2,705
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,893 $1,809 $1,693 $1,705 $9,020 $10,211 $2,347 $2,406
State Farm $1,744 $1,744 $1,558 $1,558 $5,236 $6,628 $1,947 $2,181
Travelers $1,629 $1,657 $1,597 $1,601 $7,426 $11,860 $1,697 $1,952
USAA $1,739 $1,748 $1,567 $1,601 $4,537 $4,791 $2,197 $2,410

Cheap Elkton, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elkton, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,246 $12,625
GEICO $6,831 $8,150
Liberty Mutual $10,015 $11,055
Nationwide $6,037 $7,550
Progressive $9,020 $10,211
State Farm $5,236 $6,628
Travelers $7,426 $11,860
USAA $4,537 $4,791

Cheap Elkton, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elkton, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,788 $2,972
GEICO $3,608 $3,267
Liberty Mutual $2,157 $2,406
Nationwide $2,519 $2,640
Progressive $1,693 $1,705
State Farm $1,558 $1,558
Travelers $1,597 $1,601
USAA $1,567 $1,601

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

Annual Elkton, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,462 $5,799 $6,170 $5,021
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,779 $5,793 $4,510 $4,014
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,217 $4,745 $3,669 $3,910
State Farm $2,580 $3,069 $2,824 $2,824
Travelers $3,219 $3,310 $4,736 $3,445
USAA $1,945 $2,746 $3,266 $2,338

Cheap Elkton, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elkton, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,170
GEICO $6,862
Liberty Mutual $4,510
Nationwide $4,997
Progressive $3,669
State Farm $2,824
Travelers $4,736
USAA $3,266

Cheap Elkton, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elkton, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,457 $3,973 $3,141
Nationwide $4,672 $3,666 $3,197
Progressive $4,349 $3,784 $3,524
State Farm $4,089 $2,464 $1,920
Travelers $4,096 $3,475 $3,461
USAA $3,834 $2,142 $1,745

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Cheap Elkton, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elkton, Kentucky

ZIP Code Average Annual Rates
42220 $3,407

Cheap Elkton, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elkton, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,363 $5,363
GEICO $4,191 $4,270
Liberty Mutual $4,524 $4,524
Nationwide $3,845 $3,845
Progressive $3,886 $3,886
State Farm $2,755 $2,893
Travelers $3,677 $3,677
USAA $2,478 $2,670

Cheap Elkton, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elkton, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,299 $4,493 $4,779
Nationwide $3,908 $3,801 $3,826
Progressive $3,599 $3,838 $4,219
State Farm $2,667 $2,823 $2,983
Travelers $3,484 $3,694 $3,854
USAA $2,460 $2,568 $2,693

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Best By Category: Cheapest Auto Insurance in Elkton, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Elkton, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,231
Liberty Mutual $4,524
Nationwide $3,845
Progressive $3,885
State Farm $2,824
Travelers $3,677
USAA $2,574

What affects auto insurance rates in Elkton, Kentucky?

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

Elkton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elkton, Kentucky commute length is 22.7 minutes according to City-Data.

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Compare Elkton, Kentucky Auto Insurance Quotes

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