Best Cheap Auto Insurance in Owensboro, KY (2021)

The average Owensboro, KY auto insurance rates are $297 per month. The minimum auto insurance in Owensboro is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Owensboro, 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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Owensboro, KY for senior drivers are $2,033 per year
  • The most expensive auto insurance company in Owensboro for teen drivers is Allstate
  • The cheapest auto insurance company in Owensboro is State Farm

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

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

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

Minimum Auto Insurance in Owensboro, Kentucky

Owensboro, 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 Owensboro, Kentucky.

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

Auto insurance rates in Owensboro, 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 Owensboro, 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 $2,858 $2,835 $2,580 $2,749 $10,295 $11,569 $3,178 $3,363
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,368 $2,560 $2,038 $2,268 $9,471 $10,436 $2,463 $2,539
Nationwide $2,312 $2,314 $2,105 $2,191 $4,986 $6,172 $2,598 $2,718
Progressive $1,600 $1,521 $1,441 $1,448 $7,780 $8,774 $1,977 $2,015
State Farm $1,438 $1,438 $1,288 $1,288 $4,269 $5,420 $1,606 $1,785
Travelers $1,697 $1,728 $1,660 $1,666 $7,752 $12,380 $1,769 $2,041
USAA $1,690 $1,692 $1,527 $1,552 $4,474 $4,718 $2,129 $2,329

Cheap Owensboro, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Owensboro, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,295 $11,569
GEICO $6,876 $8,160
Liberty Mutual $9,471 $10,436
Nationwide $4,986 $6,172
Progressive $7,780 $8,774
State Farm $4,269 $5,420
Travelers $7,752 $12,380
USAA $4,474 $4,718

Cheap Owensboro, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Owensboro, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,580 $2,749
GEICO $3,530 $3,197
Liberty Mutual $2,038 $2,268
Nationwide $2,105 $2,191
Progressive $1,441 $1,448
State Farm $1,288 $1,288
Travelers $1,660 $1,666
USAA $1,527 $1,552

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

Annual Owensboro, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,111 $5,325 $5,660 $4,618
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,567 $5,462 $4,255 $3,787
Nationwide $2,560 $3,260 $4,077 $2,801
Progressive $2,750 $4,062 $3,133 $3,333
State Farm $2,118 $2,515 $2,317 $2,317
Travelers $3,358 $3,453 $4,943 $3,593
USAA $1,898 $2,679 $3,194 $2,285

Cheap Owensboro, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Owensboro, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,660
GEICO $6,759
Liberty Mutual $4,255
Nationwide $4,077
Progressive $3,133
State Farm $2,317
Travelers $4,943
USAA $3,194

Cheap Owensboro, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Owensboro, Kentucky

Insurance Company Poor Fair Good
Allstate $6,514 $4,506 $3,766
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,078 $3,754 $2,972
Nationwide $3,840 $3,036 $2,648
Progressive $3,695 $3,238 $3,025
State Farm $3,348 $2,023 $1,579
Travelers $4,274 $3,626 $3,610
USAA $3,733 $2,097 $1,711

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Cheap Owensboro, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Owensboro, Kentucky

ZIP Code Average Annual Rates
42301 $3,147
42303 $3,150

Cheap Owensboro, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Owensboro, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,929 $4,929
GEICO $4,139 $4,217
Liberty Mutual $4,268 $4,268
Nationwide $3,175 $3,175
Progressive $3,319 $3,319
State Farm $2,258 $2,375
Travelers $3,837 $3,837
USAA $2,421 $2,607

Cheap Owensboro, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Owensboro, Kentucky

Insurance Company Low Medium High
Allstate $4,608 $4,910 $5,267
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,073 $4,241 $4,489
Nationwide $3,202 $3,141 $3,180
Progressive $3,060 $3,287 $3,611
State Farm $2,165 $2,315 $2,469
Travelers $3,643 $3,856 $4,010
USAA $2,400 $2,508 $2,633

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Best By Category: Cheapest Auto Insurance in Owensboro, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Owensboro, Kentucky

Insurance Company Average Annual Rates
Allstate $4,929
GEICO $4,178
Liberty Mutual $4,268
Nationwide $3,175
Progressive $3,319
State Farm $2,317
Travelers $3,837
USAA $2,514

What affects auto insurance rates in Owensboro, Kentucky?

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

Owensboro Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Owensboro, Kentucky commute length is 17.5 minutes according to City-Data.

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Compare Owensboro, Kentucky Auto Insurance Quotes

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

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