Best Cheap Auto Insurance in Murray, KY (2021)

The average Murray, KY auto insurance rates are $334 per month. The minimum auto insurance in Murray is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Murray, 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 average commute length in Murray is 21.3 minutes
  • The most expensive auto insurance company in Murray for teen drivers is Travelers
  • The minimum auto insurance required in Murray, Kentucky is 25/50/25

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

Compare auto insurance in Murray to other Kentucky cities, including George auto insurance rates, Owensboro auto insurance rates, and Elizabeth auto insurance rates to see how Murray, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Murray, Kentucky

Murray, 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 Murray, Kentucky.

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

Auto insurance rates in Murray, 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 Murray, 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 $3,119 $3,103 $2,798 $2,987 $11,177 $12,562 $3,500 $3,719
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,563 $2,783 $2,185 $2,445 $9,937 $11,002 $2,684 $2,800
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,882 $1,799 $1,679 $1,694 $8,859 $10,009 $2,331 $2,388
State Farm $1,931 $1,931 $1,723 $1,723 $5,853 $7,392 $2,156 $2,429
Travelers $2,210 $2,251 $2,161 $2,167 $10,394 $16,625 $2,306 $2,682
USAA $1,632 $1,637 $1,471 $1,499 $4,298 $4,532 $2,059 $2,256

Cheap Murray, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Murray, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,177 $12,562
GEICO $6,168 $7,329
Liberty Mutual $9,937 $11,002
Nationwide $6,037 $7,550
Progressive $8,859 $10,009
State Farm $5,853 $7,392
Travelers $10,394 $16,625
USAA $4,298 $4,532

Cheap Murray, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Murray, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,987
GEICO $3,218 $2,914
Liberty Mutual $2,185 $2,445
Nationwide $2,519 $2,640
Progressive $1,679 $1,694
State Farm $1,723 $1,723
Travelers $2,161 $2,167
USAA $1,471 $1,499

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

Annual Murray, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,488 $5,807 $6,154 $5,033
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,810 $5,818 $4,534 $4,038
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,173 $4,672 $3,620 $3,856
State Farm $2,867 $3,418 $3,142 $3,142
Travelers $4,449 $4,579 $6,599 $4,772
USAA $1,830 $2,583 $3,079 $2,200

Cheap Murray, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Murray, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,154
GEICO $6,130
Liberty Mutual $4,534
Nationwide $4,997
Progressive $3,620
State Farm $3,142
Travelers $6,599
USAA $3,079

Cheap Murray, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Murray, Kentucky

Insurance Company Poor Fair Good
Allstate $7,101 $4,907 $4,104
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,503 $3,988 $3,159
Nationwide $4,672 $3,666 $3,197
Progressive $4,292 $3,728 $3,470
State Farm $4,552 $2,740 $2,134
Travelers $5,693 $4,813 $4,793
USAA $3,605 $2,019 $1,646

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Cheap Murray, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Murray, Kentucky

ZIP Code Average Annual Rates
42071 $3,589

Cheap Murray, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Murray, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,371 $5,371
GEICO $3,750 $3,821
Liberty Mutual $4,550 $4,550
Nationwide $3,845 $3,845
Progressive $3,830 $3,830
State Farm $3,067 $3,217
Travelers $5,100 $5,100
USAA $2,334 $2,513

Cheap Murray, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Murray, Kentucky

Insurance Company Low Medium High
Allstate $5,050 $5,353 $5,709
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,336 $4,522 $4,792
Nationwide $3,908 $3,801 $3,826
Progressive $3,564 $3,791 $4,136
State Farm $2,986 $3,141 $3,300
Travelers $4,861 $5,126 $5,312
USAA $2,318 $2,418 $2,534

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Best By Category: Cheapest Auto Insurance in Murray, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Murray, Kentucky

Insurance Company Average Annual Rates
Allstate $5,371
GEICO $3,785
Liberty Mutual $4,550
Nationwide $3,845
Progressive $3,830
State Farm $3,142
Travelers $5,100
USAA $2,423

What affects auto insurance rates in Murray, Kentucky?

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

Murray Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Murray, Kentucky commute length is 21.3 minutes according to City-Data.

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Compare Murray, Kentucky Auto Insurance Quotes

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

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