Best Cheap Auto Insurance in Hopkinsville, KY (2021)

The average Hopkinsville, KY auto insurance rates are $325 per month. The minimum auto insurance in Hopkinsville is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Hopkinsville, 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 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Hopkinsville for teen drivers is Allstate
  • The average commute length in Hopkinsville is 15.1 minutes
  • The minimum auto insurance required in Hopkinsville, Kentucky is 25/50/25

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

Compare auto insurance in Hopkinsville to other Kentucky cities, including Covington auto insurance rates, Hopkinsville auto insurance rates, and Owensboro auto insurance rates to see how Hopkinsville, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Hopkinsville, Kentucky

Hopkinsville, 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 Hopkinsville, Kentucky.

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

Auto insurance rates in Hopkinsville, 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 Hopkinsville, 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 $3,105 $3,075 $2,798 $2,984 $11,364 $12,764 $3,452 $3,657
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,345 $2,538 $1,995 $2,223 $9,546 $10,554 $2,458 $2,568
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,902 $1,813 $1,707 $1,715 $9,222 $10,438 $2,358 $2,415
State Farm $1,826 $1,826 $1,633 $1,633 $5,539 $7,005 $2,040 $2,291
Travelers $1,954 $1,988 $1,915 $1,920 $9,149 $14,616 $2,040 $2,357
USAA $1,601 $1,605 $1,446 $1,472 $4,220 $4,452 $2,019 $2,210

Cheap Hopkinsville, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hopkinsville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,364 $12,764
GEICO $6,168 $7,329
Liberty Mutual $9,546 $10,554
Nationwide $6,272 $7,843
Progressive $9,222 $10,438
State Farm $5,539 $7,005
Travelers $9,149 $14,616
USAA $4,220 $4,452

Cheap Hopkinsville, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hopkinsville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,984
GEICO $3,218 $2,914
Liberty Mutual $1,995 $2,223
Nationwide $2,588 $2,712
Progressive $1,707 $1,715
State Farm $1,633 $1,633
Travelers $1,915 $1,920
USAA $1,446 $1,472

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

Annual Hopkinsville, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,487 $5,840 $6,219 $5,053
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,576 $5,474 $4,267 $3,795
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,267 $4,827 $3,724 $3,967
State Farm $2,713 $3,235 $2,974 $2,974
Travelers $3,923 $4,035 $5,809 $4,203
USAA $1,796 $2,535 $3,020 $2,161

Cheap Hopkinsville, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hopkinsville, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,219
GEICO $6,130
Liberty Mutual $4,267
Nationwide $5,164
Progressive $3,724
State Farm $2,974
Travelers $5,809
USAA $3,020

Cheap Hopkinsville, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hopkinsville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,144 $4,937 $4,119
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,102 $3,758 $2,974
Nationwide $4,825 $3,790 $3,302
Progressive $4,403 $3,846 $3,589
State Farm $4,307 $2,594 $2,021
Travelers $5,008 $4,243 $4,226
USAA $3,530 $1,984 $1,619

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Cheap Hopkinsville, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hopkinsville, Kentucky

ZIP Code Average Annual Rates
42240 $3,494

Cheap Hopkinsville, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hopkinsville, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,400 $5,400
GEICO $3,750 $3,821
Liberty Mutual $4,278 $4,278
Nationwide $3,972 $3,972
Progressive $3,946 $3,946
State Farm $2,902 $3,047
Travelers $4,492 $4,492
USAA $2,290 $2,466

Cheap Hopkinsville, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hopkinsville, Kentucky

Insurance Company Low Medium High
Allstate $5,060 $5,381 $5,759
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,102 $4,255 $4,477
Nationwide $4,032 $3,926 $3,959
Progressive $3,643 $3,900 $4,295
State Farm $2,812 $2,973 $3,137
Travelers $4,274 $4,516 $4,687
USAA $2,271 $2,373 $2,490

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Best By Category: Cheapest Auto Insurance in Hopkinsville, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Hopkinsville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,400
GEICO $3,785
Liberty Mutual $4,278
Nationwide $3,972
Progressive $3,946
State Farm $2,974
Travelers $4,492
USAA $2,378

What affects auto insurance rates in Hopkinsville, Kentucky?

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

Hopkinsville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hopkinsville, Kentucky commute length is 15.1 minutes according to City-Data.

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Compare Hopkinsville, Kentucky Auto Insurance Quotes

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