Best Cheap Auto Insurance in Oak Grove, KY (2021)

The average Oak Grove, KY auto insurance rates are $336 per month. The minimum auto insurance in Oak Grove is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Oak Grove, 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 minimum auto insurance required in Oak Grove, Kentucky is 25/50/25
  • The cheapest auto insurance company in Oak Grove is USAA
  • Average auto insurance rates in Oak Grove, KY for senior drivers are $2,232 per year

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

Compare auto insurance in Oak Grove to other Kentucky cities, including Covington auto insurance rates, Nicholasville auto insurance rates, and Bowling Green auto insurance rates to see how Oak Grove, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Oak Grove, Kentucky

Oak Grove, 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 Oak Grove, Kentucky.

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

Auto insurance rates in Oak Grove, 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 Oak Grove, 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 $3,150 $3,117 $2,843 $3,032 $11,672 $13,132 $3,493 $3,695
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,445 $2,649 $2,080 $2,323 $9,956 $11,017 $2,558 $2,666
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,943 $1,850 $1,742 $1,749 $9,441 $10,686 $2,409 $2,475
State Farm $1,829 $1,829 $1,636 $1,636 $5,550 $7,017 $2,043 $2,296
Travelers $2,193 $2,234 $2,147 $2,153 $10,346 $16,544 $2,290 $2,658
USAA $1,612 $1,614 $1,458 $1,482 $4,257 $4,487 $2,029 $2,220

Cheap Oak Grove, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oak Grove, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,672 $13,132
GEICO $6,168 $7,329
Liberty Mutual $9,956 $11,017
Nationwide $6,272 $7,843
Progressive $9,441 $10,686
State Farm $5,550 $7,017
Travelers $10,346 $16,544
USAA $4,257 $4,487

Cheap Oak Grove, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oak Grove, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,843 $3,032
GEICO $3,218 $2,914
Liberty Mutual $2,080 $2,323
Nationwide $2,588 $2,712
Progressive $1,742 $1,749
State Farm $1,636 $1,636
Travelers $2,147 $2,153
USAA $1,458 $1,482

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

Annual Oak Grove, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,575 $5,967 $6,363 $5,160
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,728 $5,713 $4,449 $3,957
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,342 $4,933 $3,812 $4,059
State Farm $2,718 $3,241 $2,980 $2,980
Travelers $4,423 $4,551 $6,564 $4,744
USAA $1,809 $2,552 $3,041 $2,177

Cheap Oak Grove, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oak Grove, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,363
GEICO $6,130
Liberty Mutual $4,449
Nationwide $5,164
Progressive $3,812
State Farm $2,980
Travelers $6,564
USAA $3,041

Cheap Oak Grove, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oak Grove, Kentucky

Insurance Company Poor Fair Good
Allstate $7,294 $5,047 $4,209
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,368 $3,919 $3,099
Nationwide $4,825 $3,790 $3,302
Progressive $4,503 $3,935 $3,673
State Farm $4,315 $2,599 $2,024
Travelers $5,659 $4,786 $4,766
USAA $3,555 $1,998 $1,631

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Cheap Oak Grove, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oak Grove, Kentucky

ZIP Code Average Annual Rates
42262 $3,624

Cheap Oak Grove, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oak Grove, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,517 $5,517
GEICO $3,750 $3,821
Liberty Mutual $4,462 $4,462
Nationwide $3,972 $3,972
Progressive $4,037 $4,037
State Farm $2,907 $3,052
Travelers $5,071 $5,071
USAA $2,306 $2,483

Cheap Oak Grove, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oak Grove, Kentucky

Insurance Company Low Medium High
Allstate $5,168 $5,497 $5,885
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,254 $4,435 $4,697
Nationwide $4,032 $3,926 $3,959
Progressive $3,758 $4,001 $4,351
State Farm $2,819 $2,979 $3,141
Travelers $4,832 $5,096 $5,284
USAA $2,284 $2,389 $2,511

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Best By Category: Cheapest Auto Insurance in Oak Grove, Kentucky

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

Best Annual Auto Insurance Rates by Company in Oak Grove, 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 Oak Grove, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oak Grove, Kentucky

Insurance Company Average Annual Rates
Allstate $5,517
GEICO $3,785
Liberty Mutual $4,462
Nationwide $3,972
Progressive $4,037
State Farm $2,980
Travelers $5,071
USAA $2,395

What affects auto insurance rates in Oak Grove, Kentucky?

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

Oak Grove Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oak Grove, Kentucky commute length is 25.3 minutes according to City-Data.

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Compare Oak Grove, Kentucky Auto Insurance Quotes

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