Best Cheap Auto Insurance in Orlando, KY (2021)

The average Orlando, KY auto insurance rates are $428 per month. The minimum auto insurance in Orlando is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Orlando, 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 Orlando for teen drivers is Allstate
  • The minimum auto insurance required in Orlando, Kentucky is 25/50/25
  • The cheapest auto insurance company in Orlando is State Farm

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

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

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

Minimum Auto Insurance in Orlando, Kentucky

Orlando, 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 Orlando, Kentucky.

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

Auto insurance rates in Orlando, 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 Orlando, 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 $5,502 $5,406 $4,996 $5,355 $22,561 $25,040 $6,021 $6,315
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $3,065 $3,325 $2,649 $2,955 $11,968 $13,178 $3,180 $3,265
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,454 $2,322 $2,223 $2,219 $12,437 $14,132 $3,048 $3,100
State Farm $1,852 $1,852 $1,653 $1,653 $5,331 $6,767 $2,062 $2,287
Travelers $2,160 $2,199 $2,116 $2,122 $10,267 $16,519 $2,251 $2,605
USAA $2,085 $2,080 $1,884 $1,906 $5,707 $5,992 $2,630 $2,871

Cheap Orlando, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Orlando, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,561 $25,040
GEICO $7,942 $9,404
Liberty Mutual $11,968 $13,178
Nationwide $7,042 $8,761
Progressive $12,437 $14,132
State Farm $5,331 $6,767
Travelers $10,267 $16,519
USAA $5,707 $5,992

Cheap Orlando, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Orlando, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,996 $5,355
GEICO $4,003 $3,626
Liberty Mutual $2,649 $2,955
Nationwide $2,775 $2,893
Progressive $2,223 $2,219
State Farm $1,653 $1,653
Travelers $2,116 $2,122
USAA $1,884 $1,906

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

Annual Orlando, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,271 $11,022 $11,860 $9,444
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,543 $6,986 $5,430 $4,833
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $4,326 $6,456 $4,929 $5,258
State Farm $2,691 $3,173 $2,932 $2,932
Travelers $4,391 $4,517 $6,506 $4,706
USAA $2,363 $3,346 $4,020 $2,849

Cheap Orlando, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Orlando, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,860
GEICO $7,717
Liberty Mutual $5,430
Nationwide $5,633
Progressive $4,929
State Farm $2,932
Travelers $6,506
USAA $4,020

Cheap Orlando, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Orlando, Kentucky

Insurance Company Poor Fair Good
Allstate $13,535 $9,266 $7,647
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,802 $4,775 $3,766
Nationwide $5,260 $4,162 $3,616
Progressive $5,836 $5,114 $4,775
State Farm $4,227 $2,563 $2,006
Travelers $5,611 $4,748 $4,730
USAA $4,670 $2,624 $2,139

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Cheap Orlando, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Orlando, Kentucky

ZIP Code Average Annual Rates
40460 $4,595

Cheap Orlando, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Orlando, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,149 $10,149
GEICO $4,724 $4,814
Liberty Mutual $5,448 $5,448
Nationwide $4,346 $4,346
Progressive $5,242 $5,242
State Farm $2,859 $3,005
Travelers $5,030 $5,030
USAA $3,029 $3,260

Cheap Orlando, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Orlando, Kentucky

Insurance Company Low Medium High
Allstate $8,946 $10,086 $11,417
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,160 $5,407 $5,776
Nationwide $4,367 $4,301 $4,370
Progressive $4,733 $5,137 $5,856
State Farm $2,743 $2,928 $3,126
Travelers $4,763 $5,050 $5,277
USAA $2,998 $3,137 $3,299

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Best By Category: Cheapest Auto Insurance in Orlando, Kentucky

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

Best Annual Auto Insurance Rates by Company in Orlando, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Orlando, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Orlando, Kentucky

Insurance Company Average Annual Rates
Allstate $10,149
GEICO $4,769
Liberty Mutual $5,448
Nationwide $4,346
Progressive $5,242
State Farm $2,932
Travelers $5,030
USAA $3,145

What affects auto insurance rates in Orlando, Kentucky?

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

Orlando Traffic

How does Orlando, Kentucky rank for traffic? According to Inrix Orlando, Kentucky is the 429th most congested worldwide.

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Compare Orlando, Kentucky Auto Insurance Quotes

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

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