Best Cheap Auto Insurance in Hardin, KY (2021)

The average Hardin, KY auto insurance rates are $338 per month. The minimum auto insurance in Hardin is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Hardin, 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: Jul 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Hardin is USAA
  • The minimum auto insurance required in Hardin, Kentucky is 25/50/25
  • Average auto insurance rates in Hardin, KY for senior drivers are $2,263 per year

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

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

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

Minimum Auto Insurance in Hardin, Kentucky

Hardin, 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 Hardin, Kentucky.

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

Auto insurance rates in Hardin, 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 Hardin, 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 $3,073 $3,055 $2,759 $2,945 $11,052 $12,420 $3,443 $3,657
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,552 $2,772 $2,176 $2,435 $9,869 $10,926 $2,672 $2,789
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,022 $1,935 $1,802 $1,818 $9,501 $10,744 $2,507 $2,572
State Farm $1,917 $1,917 $1,715 $1,715 $5,749 $7,259 $2,138 $2,400
Travelers $2,220 $2,261 $2,176 $2,182 $10,566 $16,949 $2,318 $2,685
USAA $1,757 $1,772 $1,580 $1,623 $4,521 $4,786 $2,227 $2,454

Cheap Hardin, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hardin, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,052 $12,420
GEICO $6,168 $7,329
Liberty Mutual $9,869 $10,926
Nationwide $6,037 $7,550
Progressive $9,501 $10,744
State Farm $5,749 $7,259
Travelers $10,566 $16,949
USAA $4,521 $4,786

Cheap Hardin, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hardin, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,759 $2,945
GEICO $3,218 $2,914
Liberty Mutual $2,176 $2,435
Nationwide $2,519 $2,640
Progressive $1,802 $1,818
State Farm $1,715 $1,715
Travelers $2,176 $2,182
USAA $1,580 $1,623

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

Annual Hardin, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,426 $5,731 $6,079 $4,966
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,788 $5,784 $4,508 $4,015
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,406 $5,015 $3,887 $4,142
State Farm $2,832 $3,370 $3,101 $3,101
Travelers $4,510 $4,640 $6,693 $4,835
USAA $1,957 $2,767 $3,284 $2,352

Cheap Hardin, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hardin, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,079
GEICO $6,130
Liberty Mutual $4,508
Nationwide $4,997
Progressive $3,887
State Farm $3,101
Travelers $6,693
USAA $3,284

Cheap Hardin, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hardin, Kentucky

Insurance Company Poor Fair Good
Allstate $7,007 $4,844 $4,051
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,468 $3,964 $3,140
Nationwide $4,672 $3,666 $3,197
Progressive $4,613 $4,002 $3,723
State Farm $4,479 $2,709 $2,116
Travelers $5,768 $4,880 $4,861
USAA $3,862 $2,154 $1,754

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Cheap Hardin, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hardin, Kentucky

ZIP Code Average Annual Rates
42048 $3,638

Cheap Hardin, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hardin, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,301 $5,301
GEICO $3,750 $3,821
Liberty Mutual $4,524 $4,524
Nationwide $3,845 $3,845
Progressive $4,113 $4,113
State Farm $3,027 $3,176
Travelers $5,169 $5,169
USAA $2,492 $2,688

Cheap Hardin, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hardin, Kentucky

Insurance Company Low Medium High
Allstate $4,983 $5,283 $5,636
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,310 $4,496 $4,766
Nationwide $3,908 $3,801 $3,826
Progressive $3,826 $4,068 $4,444
State Farm $2,927 $3,096 $3,280
Travelers $4,912 $5,194 $5,403
USAA $2,475 $2,584 $2,710

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Best By Category: Cheapest Auto Insurance in Hardin, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Hardin, Kentucky

Insurance Company Average Annual Rates
Allstate $5,301
GEICO $3,785
Liberty Mutual $4,524
Nationwide $3,845
Progressive $4,113
State Farm $3,101
Travelers $5,169
USAA $2,590

What affects auto insurance rates in Hardin, Kentucky?

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

Hardin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hardin, Kentucky commute length is 23.4 minutes according to City-Data.

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Compare Hardin, Kentucky Auto Insurance Quotes

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

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