Best Cheap Auto Insurance in Lucas, KY (2021)

The average Lucas, KY auto insurance rates are $343 per month. The minimum auto insurance in Lucas is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Lucas, 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

  • Average auto insurance rates in Lucas, KY for senior drivers are $2,321 per year
  • The cheapest auto insurance company in Lucas is USAA
  • The most expensive auto insurance company in Lucas for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Lucas, Kentucky

Lucas, 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 Lucas, Kentucky.

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

Auto insurance rates in Lucas, 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 Lucas, 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 $2,905 $2,872 $2,628 $2,798 $10,685 $12,000 $3,213 $3,395
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,566 $2,775 $2,271 $2,518 $9,610 $10,497 $2,624 $2,629
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $1,974 $1,876 $1,774 $1,782 $9,645 $10,904 $2,446 $2,498
State Farm $1,756 $1,756 $1,560 $1,560 $4,872 $6,068 $1,960 $2,157
Travelers $2,360 $2,402 $2,316 $2,319 $11,240 $17,962 $2,466 $2,862
USAA $1,749 $1,748 $1,587 $1,609 $4,694 $4,929 $2,201 $2,404

Cheap Lucas, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucas, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,685 $12,000
GEICO $6,851 $8,131
Liberty Mutual $9,610 $10,497
Nationwide $6,819 $8,506
Progressive $9,645 $10,904
State Farm $4,872 $6,068
Travelers $11,240 $17,962
USAA $4,694 $4,929

Cheap Lucas, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucas, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,628 $2,798
GEICO $3,510 $3,179
Liberty Mutual $2,271 $2,518
Nationwide $2,800 $2,930
Progressive $1,774 $1,782
State Farm $1,560 $1,560
Travelers $2,316 $2,319
USAA $1,587 $1,609

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

Annual Lucas, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,200 $5,473 $5,839 $4,736
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,701 $5,682 $4,420 $3,942
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,403 $5,035 $3,880 $4,131
State Farm $2,487 $2,936 $2,711 $2,711
Travelers $4,783 $4,923 $7,119 $5,138
USAA $1,973 $2,784 $3,329 $2,374

Cheap Lucas, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucas, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,839
GEICO $6,731
Liberty Mutual $4,420
Nationwide $5,612
Progressive $3,880
State Farm $2,711
Travelers $7,119
USAA $3,329

Cheap Lucas, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lucas, Kentucky

Insurance Company Poor Fair Good
Allstate $6,692 $4,631 $3,863
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,323 $3,901 $3,084
Nationwide $5,239 $4,104 $3,569
Progressive $4,587 $4,009 $3,741
State Farm $3,924 $2,366 $1,844
Travelers $6,133 $5,180 $5,159
USAA $3,874 $2,185 $1,786

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Cheap Lucas, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lucas, Kentucky

ZIP Code Average Annual Rates
42156 $3,696

Cheap Lucas, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lucas, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,062 $5,062
GEICO $4,119 $4,197
Liberty Mutual $4,436 $4,436
Nationwide $4,304 $4,304
Progressive $4,112 $4,112
State Farm $2,641 $2,781
Travelers $5,491 $5,491
USAA $2,517 $2,713

Cheap Lucas, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lucas, Kentucky

Insurance Company Low Medium High
Allstate $4,731 $5,043 $5,412
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,173 $4,396 $4,740
Nationwide $4,380 $4,252 $4,281
Progressive $3,803 $4,067 $4,467
State Farm $2,574 $2,709 $2,850
Travelers $5,234 $5,517 $5,722
USAA $2,479 $2,608 $2,759

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Best By Category: Cheapest Auto Insurance in Lucas, Kentucky

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

Best Annual Auto Insurance Rates by Company in Lucas, Kentucky

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

The Cheapest Lucas, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lucas, Kentucky

Insurance Company Average Annual Rates
Allstate $5,062
GEICO $4,158
Liberty Mutual $4,436
Nationwide $4,304
Progressive $4,112
State Farm $2,711
Travelers $5,491
USAA $2,615

Compare Lucas, Kentucky Auto Insurance Quotes

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