Best Cheap Auto Insurance in Gray, KY (2021)

The average Gray, KY auto insurance rates are $477 per month. The minimum auto insurance in Gray is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Gray, 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 Gray, KY for senior drivers are $3,145 per year
  • The minimum auto insurance required in Gray, Kentucky is 25/50/25
  • The cheapest auto insurance company in Gray is USAA

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

Compare auto insurance in Gray to other Kentucky cities, including Bowling Green auto insurance rates, George auto insurance rates, and Richmond auto insurance rates to see how Gray, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Gray, Kentucky

Gray, 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 Gray, Kentucky.

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

Auto insurance rates in Gray, 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 Gray, 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 $6,193 $6,096 $5,686 $6,046 $23,358 $25,865 $6,713 $7,007
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,869 $3,121 $2,470 $2,768 $10,637 $11,754 $2,983 $3,083
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,670 $2,520 $2,422 $2,422 $13,547 $15,348 $3,312 $3,343
State Farm $2,008 $2,008 $1,788 $1,788 $5,483 $6,960 $2,226 $2,452
Travelers $3,078 $3,129 $3,057 $3,056 $15,976 $25,955 $3,229 $3,679
USAA $2,013 $2,009 $1,822 $1,843 $5,518 $5,784 $2,539 $2,772

Cheap Gray, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gray, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,358 $25,865
GEICO $7,942 $9,404
Liberty Mutual $10,637 $11,754
Nationwide $9,302 $11,583
Progressive $13,547 $15,348
State Farm $5,483 $6,960
Travelers $15,976 $25,955
USAA $5,518 $5,784

Cheap Gray, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gray, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,686 $6,046
GEICO $4,003 $3,626
Liberty Mutual $2,470 $2,768
Nationwide $3,677 $3,839
Progressive $2,422 $2,422
State Farm $1,788 $1,788
Travelers $3,057 $3,056
USAA $1,822 $1,843

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

Annual Gray, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,981 $11,748 $12,591 $10,161
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,153 $6,345 $4,940 $4,405
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,699 $7,030 $5,354 $5,709
State Farm $2,852 $3,326 $3,089 $3,089
Travelers $6,644 $6,833 $9,973 $7,129
USAA $2,284 $3,231 $3,884 $2,751

Cheap Gray, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gray, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,591
GEICO $7,717
Liberty Mutual $4,940
Nationwide $7,562
Progressive $5,354
State Farm $3,089
Travelers $9,973
USAA $3,884

Cheap Gray, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gray, Kentucky

Insurance Company Poor Fair Good
Allstate $14,646 $9,859 $8,107
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,105 $4,341 $3,437
Nationwide $7,021 $5,495 $4,763
Progressive $6,348 $5,559 $5,187
State Farm $4,424 $2,709 $2,134
Travelers $8,519 $7,218 $7,198
USAA $4,506 $2,537 $2,069

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Cheap Gray, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gray, Kentucky

ZIP Code Average Annual Rates
40734 $5,209

Cheap Gray, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gray, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,870 $10,870
GEICO $4,724 $4,814
Liberty Mutual $4,961 $4,961
Nationwide $5,760 $5,760
Progressive $5,698 $5,698
State Farm $3,014 $3,164
Travelers $7,645 $7,645
USAA $2,925 $3,150

Cheap Gray, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gray, Kentucky

Insurance Company Low Medium High
Allstate $9,414 $10,780 $12,417
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,685 $4,923 $5,274
Nationwide $5,806 $5,676 $5,797
Progressive $5,118 $5,579 $6,397
State Farm $2,865 $3,075 $3,326
Travelers $7,182 $7,668 $8,084
USAA $2,887 $3,029 $3,196

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Best By Category: Cheapest Auto Insurance in Gray, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Gray, Kentucky

Insurance Company Average Annual Rates
Allstate $10,870
GEICO $4,769
Liberty Mutual $4,961
Nationwide $5,760
Progressive $5,698
State Farm $3,089
Travelers $7,645
USAA $3,037

What affects auto insurance rates in Gray, Kentucky?

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

Gray Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gray, Kentucky commute length is 20.3 minutes according to City-Data.

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Compare Gray, Kentucky Auto Insurance Quotes

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

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