Best Cheap Auto Insurance in Providence, KY (2021)

The average Providence, KY auto insurance rates are $355 per month. The minimum auto insurance in Providence is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Providence, 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 15, 2021

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Things to Remember

  • The minimum auto insurance required in Providence, Kentucky is 25/50/25
  • The average commute length in Providence is 26.8 minutes
  • The cheapest auto insurance company in Providence is USAA

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

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

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

Minimum Auto Insurance in Providence, Kentucky

Providence, 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 Providence, Kentucky.

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

Auto insurance rates in Providence, 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 Providence, 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 $3,178 $3,169 $2,842 $3,036 $11,199 $12,583 $3,585 $3,818
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,514 $2,729 $2,140 $2,390 $9,741 $10,777 $2,642 $2,769
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,229 $2,149 $1,970 $1,996 $10,158 $11,495 $2,771 $2,861
State Farm $2,299 $2,299 $2,057 $2,057 $7,011 $8,840 $2,566 $2,895
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

Cheap Providence, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Providence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,199 $12,583
GEICO $6,831 $8,150
Liberty Mutual $9,741 $10,777
Nationwide $6,037 $7,550
Progressive $10,158 $11,495
State Farm $7,011 $8,840
Travelers $10,535 $16,904
USAA $4,875 $5,165

Cheap Providence, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Providence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,842 $3,036
GEICO $3,608 $3,267
Liberty Mutual $2,140 $2,390
Nationwide $2,519 $2,640
Progressive $1,970 $1,996
State Farm $2,057 $2,057
Travelers $2,169 $2,175
USAA $1,693 $1,740

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

Annual Providence, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,552 $5,865 $6,198 $5,090
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,738 $5,703 $4,449 $3,961
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,691 $5,410 $4,216 $4,498
State Farm $3,421 $4,085 $3,753 $3,753
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,103 $2,980 $3,541 $2,530

Cheap Providence, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Providence, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,198
GEICO $6,862
Liberty Mutual $4,449
Nationwide $4,997
Progressive $4,216
State Farm $3,753
Travelers $6,674
USAA $3,541

Cheap Providence, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Providence, Kentucky

Insurance Company Poor Fair Good
Allstate $7,178 $4,953 $4,148
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,381 $3,909 $3,098
Nationwide $4,672 $3,666 $3,197
Progressive $5,018 $4,327 $4,016
State Farm $5,430 $3,275 $2,554
Travelers $5,751 $4,866 $4,847
USAA $4,165 $2,317 $1,884

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Cheap Providence, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Providence, Kentucky

ZIP Code Average Annual Rates
42450 $3,803

Cheap Providence, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Providence, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,426 $5,426
GEICO $4,191 $4,270
Liberty Mutual $4,463 $4,463
Nationwide $3,845 $3,845
Progressive $4,454 $4,454
State Farm $3,664 $3,842
Travelers $5,155 $5,155
USAA $2,683 $2,894

Cheap Providence, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Providence, Kentucky

Insurance Company Low Medium High
Allstate $5,111 $5,408 $5,759
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,284 $4,439 $4,666
Nationwide $3,908 $3,801 $3,826
Progressive $4,185 $4,413 $4,763
State Farm $3,560 $3,749 $3,950
Travelers $4,897 $5,179 $5,389
USAA $2,673 $2,783 $2,910

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Best By Category: Cheapest Auto Insurance in Providence, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Providence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,426
GEICO $4,231
Liberty Mutual $4,463
Nationwide $3,845
Progressive $4,454
State Farm $3,753
Travelers $5,155
USAA $2,789

What affects auto insurance rates in Providence, Kentucky?

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

Providence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Providence, Kentucky commute length is 26.8 minutes according to City-Data.

Providence Traffic

How does Providence, Kentucky rank for traffic? According to Inrix Providence, Kentucky is the 152nd most congested worldwide.

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Compare Providence, Kentucky Auto Insurance Quotes

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