Best Cheap Auto Insurance in Henderson, KY (2021)

The average Henderson, KY auto insurance rates are $321 per month. The minimum auto insurance in Henderson is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Henderson, 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 Henderson, Kentucky is 25/50/25
  • The average commute length in Henderson is 20.7 minutes
  • The cheapest auto insurance company in Henderson is USAA

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

Compare auto insurance in Henderson to other Kentucky cities, including Independence auto insurance rates, Hopkinsville auto insurance rates, and Bowling Green auto insurance rates to see how Henderson, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Henderson, Kentucky

Henderson, 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 Henderson, Kentucky.

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

Auto insurance rates in Henderson, 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 Henderson, 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 $2,999 $2,974 $2,699 $2,879 $10,920 $12,265 $3,344 $3,545
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,562 $2,776 $2,195 $2,447 $10,232 $11,292 $2,675 $2,774
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,844 $1,748 $1,663 $1,669 $9,100 $10,267 $2,280 $2,319
State Farm $1,845 $1,845 $1,646 $1,646 $5,523 $6,994 $2,060 $2,307
Travelers $1,584 $1,612 $1,551 $1,556 $7,177 $11,464 $1,650 $1,898
USAA $1,710 $1,719 $1,543 $1,577 $4,464 $4,716 $2,162 $2,374

Cheap Henderson, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Henderson, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,920 $12,265
GEICO $6,876 $8,160
Liberty Mutual $10,232 $11,292
Nationwide $6,037 $7,550
Progressive $9,100 $10,267
State Farm $5,523 $6,994
Travelers $7,177 $11,464
USAA $4,464 $4,716

Cheap Henderson, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Henderson, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,699 $2,879
GEICO $3,530 $3,197
Liberty Mutual $2,195 $2,447
Nationwide $2,519 $2,640
Progressive $1,663 $1,669
State Farm $1,646 $1,646
Travelers $1,551 $1,556
USAA $1,543 $1,577

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

Annual Henderson, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,330 $5,627 $5,984 $4,871
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,858 $5,914 $4,606 $4,098
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,195 $4,734 $3,641 $3,874
State Farm $2,726 $3,240 $2,983 $2,983
Travelers $3,120 $3,207 $4,582 $3,337
USAA $1,913 $2,703 $3,215 $2,301

Cheap Henderson, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Henderson, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,984
GEICO $6,759
Liberty Mutual $4,606
Nationwide $4,997
Progressive $3,641
State Farm $2,983
Travelers $4,582
USAA $3,215

Cheap Henderson, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Henderson, Kentucky

Insurance Company Poor Fair Good
Allstate $6,877 $4,758 $3,975
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,596 $4,055 $3,206
Nationwide $4,672 $3,666 $3,197
Progressive $4,296 $3,767 $3,520
State Farm $4,320 $2,602 $2,027
Travelers $3,966 $3,366 $3,353
USAA $3,766 $2,111 $1,722

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Cheap Henderson, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Henderson, Kentucky

ZIP Code Average Annual Rates
42420 $3,392

Cheap Henderson, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Henderson, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,203 $5,203
GEICO $4,139 $4,217
Liberty Mutual $4,619 $4,619
Nationwide $3,845 $3,845
Progressive $3,861 $3,861
State Farm $2,910 $3,056
Travelers $3,562 $3,562
USAA $2,438 $2,628

Cheap Henderson, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Henderson, Kentucky

Insurance Company Low Medium High
Allstate $4,881 $5,185 $5,543
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,412 $4,591 $4,855
Nationwide $3,908 $3,801 $3,826
Progressive $3,552 $3,820 $4,212
State Farm $2,819 $2,982 $3,148
Travelers $3,374 $3,578 $3,733
USAA $2,416 $2,527 $2,656

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Best By Category: Cheapest Auto Insurance in Henderson, Kentucky

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

Best Annual Auto Insurance Rates by Company in Henderson, Kentucky

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Henderson, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Henderson, Kentucky

Insurance Company Average Annual Rates
Allstate $5,203
GEICO $4,178
Liberty Mutual $4,619
Nationwide $3,845
Progressive $3,861
State Farm $2,983
Travelers $3,562
USAA $2,533

What affects auto insurance rates in Henderson, Kentucky?

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

Henderson Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Henderson, Kentucky commute length is 20.7 minutes according to City-Data.

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Compare Henderson, Kentucky Auto Insurance Quotes

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