Best Cheap Auto Insurance in Oneida, KY (2021)

The average Oneida, KY auto insurance rates are $548 per month. The minimum auto insurance in Oneida is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Oneida, 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 Oneida is 16.5 minutes
  • The minimum auto insurance required in Oneida, Kentucky is 25/50/25
  • The most expensive auto insurance company in Oneida for teen drivers is Allstate

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

Compare auto insurance in Oneida to other Kentucky cities, including Hopkinsville auto insurance rates, Bowling Green auto insurance rates, and Richmond auto insurance rates to see how Oneida, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Oneida, Kentucky

Oneida, 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 Oneida, Kentucky.

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

Auto insurance rates in Oneida, 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 Oneida, 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 $23,229 $25,709 $6,689 $6,983
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,472 $3,771 $3,061 $3,412 $12,592 $13,781 $3,559 $3,584
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,960 $2,794 $2,669 $2,676 $14,825 $16,800 $3,674 $3,722
State Farm $2,829 $2,829 $2,507 $2,507 $7,743 $9,825 $3,139 $3,474
Travelers $3,715 $3,784 $3,655 $3,655 $18,512 $29,781 $3,886 $4,529
USAA $2,125 $2,130 $1,915 $1,948 $5,722 $6,019 $2,690 $2,948

Cheap Oneida, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oneida, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,229 $25,709
GEICO $8,902 $10,417
Liberty Mutual $12,592 $13,781
Nationwide $12,445 $15,350
Progressive $14,825 $16,800
State Farm $7,743 $9,825
Travelers $18,512 $29,781
USAA $5,722 $6,019

Cheap Oneida, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oneida, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,595 $4,158
Liberty Mutual $3,061 $3,412
Nationwide $5,015 $5,208
Progressive $2,669 $2,676
State Farm $2,507 $2,507
Travelers $3,655 $3,655
USAA $1,915 $1,948

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

Annual Oneida, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,939 $11,690 $12,528 $10,113
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $4,922 $7,571 $5,880 $5,244
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,166 $7,713 $5,896 $6,285
State Farm $4,023 $4,690 $4,357 $4,357
Travelers $7,763 $7,995 $11,645 $8,355
USAA $2,397 $3,396 $4,069 $2,886

Cheap Oneida, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oneida, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,528
GEICO $8,597
Liberty Mutual $5,880
Nationwide $10,137
Progressive $5,896
State Farm $4,357
Travelers $11,645
USAA $4,069

Cheap Oneida, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oneida, Kentucky

Insurance Company Poor Fair Good
Allstate $14,578 $9,809 $8,066
GEICO $8,861 $4,424 $2,884
Liberty Mutual $8,468 $5,169 $4,076
Nationwide $9,500 $7,372 $6,351
Progressive $7,001 $6,108 $5,687
State Farm $6,260 $3,814 $2,995
Travelers $10,001 $8,425 $8,393
USAA $4,746 $2,655 $2,161

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Cheap Oneida, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oneida, Kentucky

ZIP Code Average Annual Rates
40972 $5,955

Cheap Oneida, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oneida, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,818 $10,818
GEICO $5,341 $5,438
Liberty Mutual $5,904 $5,904
Nationwide $7,741 $7,741
Progressive $6,265 $6,265
State Farm $4,252 $4,461
Travelers $8,940 $8,940
USAA $3,068 $3,306

Cheap Oneida, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oneida, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,728 $12,364
GEICO $4,884 $5,352 $5,934
Liberty Mutual $5,531 $5,848 $6,334
Nationwide $7,713 $7,608 $7,902
Progressive $5,716 $6,149 $6,931
State Farm $4,092 $4,345 $4,633
Travelers $8,510 $8,974 $9,335
USAA $3,041 $3,179 $3,341

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Best By Category: Cheapest Auto Insurance in Oneida, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Oneida, Kentucky

Insurance Company Average Annual Rates
Allstate $10,818
GEICO $5,390
Liberty Mutual $5,904
Nationwide $7,741
Progressive $6,265
State Farm $4,357
Travelers $8,940
USAA $3,187

What affects auto insurance rates in Oneida, Kentucky?

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

Oneida Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oneida, Kentucky commute length is 16.5 minutes according to City-Data.

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Compare Oneida, Kentucky Auto Insurance Quotes

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