Best Cheap Auto Insurance in Middlesborough, KY (2021)

The average Middlesborough, KY auto insurance rates are $488 per month. The minimum auto insurance in Middlesborough is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Middlesborough, 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 cheapest auto insurance company in Middlesborough is USAA
  • The average commute length in Middlesborough is 17.4 minutes
  • The minimum auto insurance required in Middlesborough, Kentucky is 25/50/25

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

Compare auto insurance in Middlesborough to other Kentucky cities, including Independence auto insurance rates, Hopkinsville auto insurance rates, and George auto insurance rates to see how Middlesborough, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Middlesborough, Kentucky

Middlesborough, 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 Middlesborough, Kentucky.

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

Auto insurance rates in Middlesborough, 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 Middlesborough, 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 $6,170 $6,074 $5,664 $6,023 $23,230 $25,709 $6,689 $6,983
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $3,174 $3,458 $2,706 $3,049 $12,400 $13,769 $3,298 $3,412
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,615 $2,474 $2,366 $2,365 $13,193 $14,970 $3,248 $3,297
State Farm $2,160 $2,160 $1,932 $1,932 $6,010 $7,605 $2,394 $2,647
Travelers $3,336 $3,401 $3,265 $3,276 $16,472 $26,548 $3,488 $4,068
USAA $1,980 $1,981 $1,788 $1,815 $5,320 $5,600 $2,499 $2,733

Cheap Middlesborough, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Middlesborough, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,230 $25,709
GEICO $7,942 $9,404
Liberty Mutual $12,400 $13,769
Nationwide $9,302 $11,583
Progressive $13,193 $14,970
State Farm $6,010 $7,605
Travelers $16,472 $26,548
USAA $5,320 $5,600

Cheap Middlesborough, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Middlesborough, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,003 $3,626
Liberty Mutual $2,706 $3,049
Nationwide $3,677 $3,839
Progressive $2,366 $2,365
State Farm $1,932 $1,932
Travelers $3,265 $3,276
USAA $1,788 $1,815

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

Annual Middlesborough, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,940 $11,691 $12,528 $10,113
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,728 $7,256 $5,633 $5,016
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,593 $6,854 $5,235 $5,583
State Farm $3,089 $3,621 $3,355 $3,355
Travelers $6,944 $7,149 $10,380 $7,455
USAA $2,232 $3,158 $3,778 $2,690

Cheap Middlesborough, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Middlesborough, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,528
GEICO $7,717
Liberty Mutual $5,633
Nationwide $7,562
Progressive $5,235
State Farm $3,355
Travelers $10,380
USAA $3,778

Cheap Middlesborough, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Middlesborough, Kentucky

Insurance Company Poor Fair Good
Allstate $14,578 $9,809 $8,066
GEICO $7,842 $3,915 $2,550
Liberty Mutual $8,107 $4,955 $3,912
Nationwide $7,021 $5,495 $4,763
Progressive $6,204 $5,429 $5,065
State Farm $4,798 $2,944 $2,323
Travelers $8,919 $7,528 $7,499
USAA $4,407 $2,472 $2,014

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Cheap Middlesborough, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Middlesborough, Kentucky

ZIP Code Average Annual Rates
40965 $5,321

Cheap Middlesborough, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Middlesborough, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,818 $10,818
GEICO $4,724 $4,814
Liberty Mutual $5,658 $5,658
Nationwide $5,760 $5,760
Progressive $5,566 $5,566
State Farm $3,274 $3,435
Travelers $7,982 $7,982
USAA $2,855 $3,074

Cheap Middlesborough, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Middlesborough, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,728 $12,364
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,286 $5,611 $6,078
Nationwide $5,806 $5,676 $5,797
Progressive $5,042 $5,459 $6,197
State Farm $3,118 $3,342 $3,605
Travelers $7,599 $8,019 $8,327
USAA $2,828 $2,958 $3,108

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Best By Category: Cheapest Auto Insurance in Middlesborough, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Middlesborough, Kentucky

Insurance Company Average Annual Rates
Allstate $10,818
GEICO $4,769
Liberty Mutual $5,658
Nationwide $5,760
Progressive $5,566
State Farm $3,355
Travelers $7,982
USAA $2,964

What affects auto insurance rates in Middlesborough, Kentucky?

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

Middlesborough Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Middlesborough, Kentucky commute length is 17.4 minutes according to City-Data.

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Compare Middlesborough, Kentucky Auto Insurance Quotes

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