Best Cheap Auto Insurance in Owingsville, KY (2021)

The average Owingsville, KY auto insurance rates are $375 per month. The minimum auto insurance in Owingsville is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Owingsville, 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 cheapest auto insurance company in Owingsville is USAA
  • Average auto insurance rates in Owingsville, KY for senior drivers are $2,517 per year
  • The most expensive auto insurance company in Owingsville for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Owingsville, Kentucky

Owingsville, 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 Owingsville, Kentucky.

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

Auto insurance rates in Owingsville, 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 Owingsville, 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 $3,108 $3,057 $2,827 $3,010 $11,869 $13,336 $3,400 $3,576
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,466 $3,747 $3,093 $3,421 $13,657 $14,855 $3,518 $3,475
Nationwide $3,199 $3,201 $2,887 $3,016 $7,262 $9,049 $3,633 $3,814
Progressive $2,097 $1,997 $1,879 $1,889 $10,158 $11,502 $2,602 $2,666
State Farm $1,842 $1,842 $1,645 $1,645 $5,412 $6,850 $2,053 $2,294
Travelers $2,277 $2,317 $2,240 $2,242 $10,974 $17,609 $2,380 $2,746
USAA $1,836 $1,842 $1,654 $1,686 $4,862 $5,131 $2,321 $2,544

Cheap Owingsville, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Owingsville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,869 $13,336
GEICO $7,170 $8,568
Liberty Mutual $13,657 $14,855
Nationwide $7,262 $9,049
Progressive $10,158 $11,502
State Farm $5,412 $6,850
Travelers $10,974 $17,609
USAA $4,862 $5,131

Cheap Owingsville, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Owingsville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,827 $3,010
GEICO $3,742 $3,389
Liberty Mutual $3,093 $3,421
Nationwide $2,887 $3,016
Progressive $1,879 $1,889
State Farm $1,645 $1,645
Travelers $2,240 $2,242
USAA $1,654 $1,686

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

Annual Owingsville, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,545 $5,976 $6,414 $5,156
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $5,095 $7,921 $6,138 $5,462
Nationwide $3,583 $4,636 $5,866 $3,946
Progressive $3,598 $5,319 $4,105 $4,373
State Farm $2,699 $3,197 $2,948 $2,948
Travelers $4,661 $4,795 $6,935 $5,001
USAA $2,062 $2,916 $3,479 $2,482

Cheap Owingsville, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Owingsville, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,414
GEICO $7,199
Liberty Mutual $6,138
Nationwide $5,866
Progressive $4,105
State Farm $2,948
Travelers $6,935
USAA $3,479

Cheap Owingsville, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Owingsville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,308 $5,057 $4,203
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,815 $5,408 $4,239
Nationwide $5,472 $4,309 $3,742
Progressive $4,860 $4,237 $3,949
State Farm $4,255 $2,575 $2,013
Travelers $5,966 $5,049 $5,029
USAA $4,072 $2,277 $1,855

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Cheap Owingsville, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Owingsville, Kentucky

ZIP Code Average Annual Rates
40360 $4,025

Cheap Owingsville, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Owingsville, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,523 $5,523
GEICO $4,371 $4,456
Liberty Mutual $6,154 $6,154
Nationwide $4,508 $4,508
Progressive $4,349 $4,349
State Farm $2,876 $3,019
Travelers $5,348 $5,348
USAA $2,633 $2,836

Cheap Owingsville, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Owingsville, Kentucky

Insurance Company Low Medium High
Allstate $5,130 $5,501 $5,937
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,748 $6,090 $6,624
Nationwide $4,563 $4,454 $4,506
Progressive $4,033 $4,299 $4,715
State Farm $2,775 $2,943 $3,126
Travelers $5,075 $5,371 $5,598
USAA $2,617 $2,729 $2,858

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Best By Category: Cheapest Auto Insurance in Owingsville, Kentucky

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

Best Annual Auto Insurance Rates by Company in Owingsville, Kentucky

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

The Cheapest Owingsville, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Owingsville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,523
GEICO $4,413
Liberty Mutual $6,154
Nationwide $4,508
Progressive $4,349
State Farm $2,948
Travelers $5,348
USAA $2,735

What affects auto insurance rates in Owingsville, Kentucky?

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

Owingsville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Owingsville, Kentucky commute length is 20.5 minutes according to City-Data.

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Compare Owingsville, Kentucky Auto Insurance Quotes

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