Best Cheap Auto Insurance in Madisonville, KY (2021)

The average Madisonville, KY auto insurance rates are $339 per month. The minimum auto insurance in Madisonville is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Madisonville, 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 15, 2021

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Things to Remember

  • The minimum auto insurance required in Madisonville, Kentucky is 25/50/25
  • Average auto insurance rates in Madisonville, KY for senior drivers are $2,309 per year
  • The average commute length in Madisonville is 18.1 minutes

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

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

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

Minimum Auto Insurance in Madisonville, Kentucky

Madisonville, 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 Madisonville, Kentucky.

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

Auto insurance rates in Madisonville, 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 Madisonville, 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 $3,299 $3,288 $2,953 $3,152 $11,617 $13,044 $3,718 $3,959
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,551 $2,769 $2,169 $2,425 $9,922 $10,986 $2,679 $2,809
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,934 $1,847 $1,730 $1,741 $9,236 $10,450 $2,398 $2,458
State Farm $2,170 $2,170 $1,944 $1,944 $6,612 $8,341 $2,422 $2,728
Travelers $1,791 $1,823 $1,756 $1,760 $8,294 $13,246 $1,869 $2,155
USAA $1,837 $1,850 $1,650 $1,692 $4,780 $5,058 $2,330 $2,565

Cheap Madisonville, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madisonville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,617 $13,044
GEICO $6,831 $8,150
Liberty Mutual $9,922 $10,986
Nationwide $6,037 $7,550
Progressive $9,236 $10,450
State Farm $6,612 $8,341
Travelers $8,294 $13,246
USAA $4,780 $5,058

Cheap Madisonville, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madisonville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,953 $3,152
GEICO $3,608 $3,267
Liberty Mutual $2,169 $2,425
Nationwide $2,519 $2,640
Progressive $1,730 $1,741
State Farm $1,944 $1,944
Travelers $1,756 $1,760
USAA $1,650 $1,692

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

Annual Madisonville, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,720 $6,084 $6,432 $5,280
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,801 $5,802 $4,524 $4,028
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,291 $4,854 $3,753 $3,999
State Farm $3,228 $3,855 $3,541 $3,541
Travelers $3,573 $3,674 $5,275 $3,825
USAA $2,052 $2,905 $3,456 $2,468

Cheap Madisonville, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madisonville, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,432
GEICO $6,862
Liberty Mutual $4,524
Nationwide $4,997
Progressive $3,753
State Farm $3,541
Travelers $5,275
USAA $3,456

Cheap Madisonville, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madisonville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,456 $5,135 $4,296
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,491 $3,976 $3,150
Nationwide $4,672 $3,666 $3,197
Progressive $4,446 $3,871 $3,607
State Farm $5,121 $3,091 $2,411
Travelers $4,553 $3,861 $3,845
USAA $4,057 $2,263 $1,841

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Cheap Madisonville, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madisonville, Kentucky

ZIP Code Average Annual Rates
42431 $3,592

Cheap Madisonville, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madisonville, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,629 $5,629
GEICO $4,191 $4,270
Liberty Mutual $4,539 $4,539
Nationwide $3,845 $3,845
Progressive $3,974 $3,974
State Farm $3,457 $3,626
Travelers $4,087 $4,087
USAA $2,618 $2,822

Cheap Madisonville, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madisonville, Kentucky

Insurance Company Low Medium High
Allstate $5,298 $5,610 $5,979
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,348 $4,513 $4,755
Nationwide $3,908 $3,801 $3,826
Progressive $3,684 $3,929 $4,310
State Farm $3,350 $3,537 $3,737
Travelers $3,883 $4,108 $4,270
USAA $2,605 $2,714 $2,841

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Best By Category: Cheapest Auto Insurance in Madisonville, Kentucky

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

Best Annual Auto Insurance Rates by Company in Madisonville, Kentucky

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

The Cheapest Madisonville, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madisonville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,629
GEICO $4,231
Liberty Mutual $4,539
Nationwide $3,845
Progressive $3,974
State Farm $3,541
Travelers $4,087
USAA $2,720

What affects auto insurance rates in Madisonville, Kentucky?

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

Madisonville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Madisonville, Kentucky commute length is 18.1 minutes according to City-Data.

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Compare Madisonville, Kentucky Auto Insurance Quotes

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