Best Cheap Auto Insurance in Hardyville, KY (2021)

The average Hardyville, KY auto insurance rates are $371 per month. The minimum auto insurance in Hardyville is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Hardyville, 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 Hardyville, Kentucky is 25/50/25
  • Average auto insurance rates in Hardyville, KY for senior drivers are $2,486 per year
  • The cheapest auto insurance company in Hardyville is USAA

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

Compare auto insurance in Hardyville to other Kentucky cities, including Elizabeth auto insurance rates, Nicholasville auto insurance rates, and Independence auto insurance rates to see how Hardyville, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Hardyville, Kentucky

Hardyville, 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 Hardyville, Kentucky.

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

Auto insurance rates in Hardyville, 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 Hardyville, 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 $3,050 $3,017 $2,762 $2,944 $11,310 $12,681 $3,371 $3,557
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,918 $3,176 $2,513 $2,816 $10,549 $11,656 $3,039 $3,148
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,260 $2,165 $2,012 $2,032 $10,611 $12,006 $2,805 $2,876
State Farm $2,144 $2,144 $1,916 $1,916 $6,419 $8,114 $2,392 $2,683
Travelers $2,561 $2,610 $2,502 $2,509 $12,191 $19,525 $2,673 $3,120
USAA $1,890 $1,896 $1,703 $1,736 $5,010 $5,281 $2,389 $2,619

Cheap Hardyville, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hardyville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,310 $12,681
GEICO $6,851 $8,131
Liberty Mutual $10,549 $11,656
Nationwide $6,819 $8,506
Progressive $10,611 $12,006
State Farm $6,419 $8,114
Travelers $12,191 $19,525
USAA $5,010 $5,281

Cheap Hardyville, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hardyville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,762 $2,944
GEICO $3,510 $3,179
Liberty Mutual $2,513 $2,816
Nationwide $2,800 $2,930
Progressive $2,012 $2,032
State Farm $1,916 $1,916
Travelers $2,502 $2,509
USAA $1,703 $1,736

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

Annual Hardyville, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,426 $5,771 $6,157 $4,992
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,172 $6,361 $4,955 $4,420
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,804 $5,608 $4,341 $4,630
State Farm $3,166 $3,765 $3,466 $3,466
Travelers $5,195 $5,348 $7,727 $5,576
USAA $2,123 $3,002 $3,584 $2,554

Cheap Hardyville, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hardyville, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,157
GEICO $6,731
Liberty Mutual $4,955
Nationwide $5,612
Progressive $4,341
State Farm $3,466
Travelers $7,727
USAA $3,584

Cheap Hardyville, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hardyville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,064 $4,880 $4,066
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,134 $4,350 $3,447
Nationwide $5,239 $4,104 $3,569
Progressive $5,161 $4,471 $4,156
State Farm $5,011 $3,026 $2,361
Travelers $6,661 $5,624 $5,600
USAA $4,193 $2,344 $1,909

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Cheap Hardyville, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hardyville, Kentucky

ZIP Code Average Annual Rates
42746 $3,996

Cheap Hardyville, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hardyville, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,337 $5,337
GEICO $4,119 $4,197
Liberty Mutual $4,977 $4,977
Nationwide $4,304 $4,304
Progressive $4,596 $4,596
State Farm $3,382 $3,549
Travelers $5,961 $5,961
USAA $2,711 $2,920

Cheap Hardyville, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hardyville, Kentucky

Insurance Company Low Medium High
Allstate $4,936 $5,314 $5,760
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,711 $4,940 $5,279
Nationwide $4,380 $4,252 $4,281
Progressive $4,259 $4,538 $4,990
State Farm $3,273 $3,462 $3,663
Travelers $5,690 $5,992 $6,202
USAA $2,690 $2,809 $2,948

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Best By Category: Cheapest Auto Insurance in Hardyville, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Hardyville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,337
GEICO $4,158
Liberty Mutual $4,977
Nationwide $4,304
Progressive $4,596
State Farm $3,466
Travelers $5,961
USAA $2,816

What affects auto insurance rates in Hardyville, Kentucky?

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

Hardyville Commute Time

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

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Compare Hardyville, Kentucky Auto Insurance Quotes

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

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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