Best Cheap Auto Insurance in Hardy, KY (2021)

The average Hardy, KY auto insurance rates are $598 per month. The minimum auto insurance in Hardy is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Hardy, 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 Hardy, Kentucky is 25/50/25
  • The cheapest auto insurance company in Hardy is USAA
  • Average auto insurance rates in Hardy, KY for senior drivers are $3,866 per year

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

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

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

Minimum Auto Insurance in Hardy, Kentucky

Hardy, 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 Hardy, Kentucky.

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

Auto insurance rates in Hardy, 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 Hardy, 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 $5,387 $5,301 $4,961 $5,262 $19,837 $21,974 $5,819 $6,068
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,915 $5,345 $4,199 $4,712 $20,863 $23,065 $5,094 $5,235
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,982 $3,746 $3,612 $3,593 $20,775 $23,681 $4,963 $5,052
State Farm $2,465 $2,465 $2,185 $2,185 $6,615 $8,403 $2,732 $3,010
Travelers $3,984 $4,056 $3,930 $3,930 $20,277 $32,769 $4,171 $4,835
USAA $2,359 $2,351 $2,136 $2,157 $6,595 $6,905 $2,984 $3,258

Cheap Hardy, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hardy, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,837 $21,974
GEICO $8,902 $10,417
Liberty Mutual $20,863 $23,065
Nationwide $12,492 $15,331
Progressive $20,775 $23,681
State Farm $6,615 $8,403
Travelers $20,277 $32,769
USAA $6,595 $6,905

Cheap Hardy, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hardy, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,961 $5,262
GEICO $4,595 $4,158
Liberty Mutual $4,199 $4,712
Nationwide $5,035 $5,213
Progressive $3,612 $3,593
State Farm $2,185 $2,185
Travelers $3,930 $3,930
USAA $2,136 $2,157

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

Annual Hardy, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,064 $10,783 $8,727
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,606 $11,834 $9,153 $8,120
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $7,142 $10,713 $8,150 $8,697
State Farm $3,477 $4,038 $3,757 $3,757
Travelers $8,459 $8,709 $12,710 $9,098
USAA $2,691 $3,820 $4,613 $3,249

Cheap Hardy, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hardy, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,783
GEICO $8,597
Liberty Mutual $9,153
Nationwide $10,149
Progressive $8,150
State Farm $3,757
Travelers $12,710
USAA $4,613

Cheap Hardy, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hardy, Kentucky

Insurance Company Poor Fair Good
Allstate $12,575 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $13,209 $8,037 $6,288
Nationwide $9,520 $7,384 $6,351
Progressive $9,655 $8,468 $7,904
State Farm $5,386 $3,294 $2,593
Travelers $10,892 $9,186 $9,154
USAA $5,323 $3,004 $2,452

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Cheap Hardy, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hardy, Kentucky

ZIP Code Average Annual Rates
41531 $6,565

Cheap Hardy, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hardy, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $9,178 $9,178
Nationwide $7,752 $7,752
Progressive $8,676 $8,676
State Farm $3,667 $3,848
Travelers $9,744 $9,744
USAA $3,460 $3,727

Cheap Hardy, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hardy, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,632
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,591 $9,100 $9,844
Nationwide $7,743 $7,625 $7,887
Progressive $7,864 $8,492 $9,671
State Farm $3,511 $3,745 $4,017
Travelers $9,238 $9,777 $10,217
USAA $3,410 $3,584 $3,786

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Best By Category: Cheapest Auto Insurance in Hardy, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Hardy, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $9,178
Nationwide $7,752
Progressive $8,676
State Farm $3,757
Travelers $9,744
USAA $3,593

What affects auto insurance rates in Hardy, Kentucky?

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

Hardy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hardy, Kentucky commute length is 30.0 minutes according to City-Data.

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Compare Hardy, Kentucky Auto Insurance Quotes

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

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