Best Cheap Auto Insurance in Morehead, KY (2021)

The average Morehead, KY auto insurance rates are $365 per month. The minimum auto insurance in Morehead is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Morehead, 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 most expensive auto insurance company in Morehead for teen drivers is Liberty Mutual
  • Average auto insurance rates in Morehead, KY for senior drivers are $2,516 per year
  • The cheapest auto insurance company in Morehead is USAA

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

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

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

Minimum Auto Insurance in Morehead, Kentucky

Morehead, 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 Morehead, Kentucky.

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

Auto insurance rates in Morehead, 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 Morehead, 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 $3,289 $3,253 $2,975 $3,171 $12,181 $13,685 $3,639 $3,844
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,496 $3,791 $3,127 $3,474 $12,603 $13,716 $3,549 $3,512
Nationwide $3,446 $3,444 $3,136 $3,265 $7,342 $9,077 $3,864 $4,036
Progressive $2,118 $2,016 $1,898 $1,909 $10,229 $11,581 $2,627 $2,686
State Farm $1,888 $1,888 $1,687 $1,687 $5,580 $7,060 $2,105 $2,354
Travelers $1,918 $1,951 $1,881 $1,884 $8,923 $14,247 $2,001 $2,312
USAA $1,661 $1,665 $1,500 $1,526 $4,401 $4,635 $2,095 $2,294

Cheap Morehead, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Morehead, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,181 $13,685
GEICO $7,170 $8,568
Liberty Mutual $12,603 $13,716
Nationwide $7,342 $9,077
Progressive $10,229 $11,581
State Farm $5,580 $7,060
Travelers $8,923 $14,247
USAA $4,401 $4,635

Cheap Morehead, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Morehead, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,975 $3,171
GEICO $3,742 $3,389
Liberty Mutual $3,127 $3,474
Nationwide $3,136 $3,265
Progressive $1,898 $1,909
State Farm $1,687 $1,687
Travelers $1,881 $1,884
USAA $1,500 $1,526

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

Annual Morehead, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,772 $6,223 $6,640 $5,383
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,915 $7,584 $5,884 $5,250
Nationwide $3,784 $4,829 $6,048 $4,144
Progressive $3,625 $5,363 $4,137 $4,407
State Farm $2,773 $3,289 $3,031 $3,031
Travelers $3,833 $3,943 $5,672 $4,110
USAA $1,866 $2,635 $3,144 $2,244

Cheap Morehead, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Morehead, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,640
GEICO $7,199
Liberty Mutual $5,884
Nationwide $6,048
Progressive $4,137
State Farm $3,031
Travelers $5,672
USAA $3,144

Cheap Morehead, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Morehead, Kentucky

Insurance Company Poor Fair Good
Allstate $7,623 $5,260 $4,380
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,467 $5,180 $4,079
Nationwide $5,750 $4,478 $3,876
Progressive $4,904 $4,269 $3,975
State Farm $4,377 $2,648 $2,069
Travelers $4,897 $4,145 $4,128
USAA $3,674 $2,061 $1,681

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Cheap Morehead, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Morehead, Kentucky

ZIP Code Average Annual Rates
40351 $3,881

Cheap Morehead, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Morehead, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,755 $5,755
GEICO $4,371 $4,456
Liberty Mutual $5,908 $5,908
Nationwide $4,701 $4,701
Progressive $4,383 $4,383
State Farm $2,958 $3,105
Travelers $4,390 $4,390
USAA $2,381 $2,564

Cheap Morehead, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Morehead, Kentucky

Insurance Company Low Medium High
Allstate $5,359 $5,733 $6,171
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,497 $5,844 $6,384
Nationwide $4,674 $4,636 $4,794
Progressive $4,059 $4,326 $4,764
State Farm $2,854 $3,026 $3,213
Travelers $4,173 $4,410 $4,586
USAA $2,360 $2,466 $2,590

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Best By Category: Cheapest Auto Insurance in Morehead, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Morehead, Kentucky

Insurance Company Average Annual Rates
Allstate $5,755
GEICO $4,413
Liberty Mutual $5,908
Nationwide $4,701
Progressive $4,383
State Farm $3,031
Travelers $4,390
USAA $2,472

What affects auto insurance rates in Morehead, Kentucky?

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

Morehead Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Morehead, Kentucky commute length is 16.0 minutes according to City-Data.

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Compare Morehead, Kentucky Auto Insurance Quotes

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