Best Cheap Auto Insurance in Totz, KY (2021)

The average Totz, KY auto insurance rates are $531 per month. The minimum auto insurance in Totz is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Totz, 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 Totz for teen drivers is Allstate
  • The minimum auto insurance required in Totz, Kentucky is 25/50/25
  • Average auto insurance rates in Totz, KY for senior drivers are $3,535 per year

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

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

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

Minimum Auto Insurance in Totz, Kentucky

Totz, 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 Totz, Kentucky.

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

Auto insurance rates in Totz, 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 Totz, 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 $5,901 $5,813 $5,429 $5,771 $22,046 $24,392 $6,386 $6,654
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,887 $4,228 $3,274 $3,679 $16,417 $18,221 $4,075 $4,265
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,636 $2,488 $2,384 $2,386 $13,290 $15,065 $3,270 $3,312
State Farm $2,373 $2,373 $2,132 $2,132 $6,432 $7,952 $2,638 $2,884
Travelers $2,997 $3,047 $2,977 $2,976 $15,522 $25,211 $3,144 $3,581
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Cheap Totz, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Totz, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,046 $24,392
GEICO $8,902 $10,417
Liberty Mutual $16,417 $18,221
Nationwide $13,093 $16,143
Progressive $13,290 $15,065
State Farm $6,432 $7,952
Travelers $15,522 $25,211
USAA $5,756 $6,065

Cheap Totz, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Totz, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,429 $5,771
GEICO $4,595 $4,158
Liberty Mutual $3,274 $3,679
Nationwide $5,260 $5,461
Progressive $2,384 $2,386
State Farm $2,132 $2,132
Travelers $2,977 $2,976
USAA $1,955 $1,999

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

Annual Totz, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,531 $11,122 $11,908 $9,635
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $6,036 $9,330 $7,235 $6,421
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,623 $6,903 $5,271 $5,619
State Farm $3,317 $3,912 $3,614 $3,614
Travelers $6,460 $6,644 $9,692 $6,931
USAA $2,436 $3,454 $4,127 $2,933

Cheap Totz, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Totz, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,908
GEICO $8,597
Liberty Mutual $7,235
Nationwide $10,669
Progressive $5,271
State Farm $3,614
Travelers $9,692
USAA $4,127

Cheap Totz, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Totz, Kentucky

Insurance Company Poor Fair Good
Allstate $13,886 $9,334 $7,677
GEICO $8,861 $4,424 $2,884
Liberty Mutual $10,427 $6,351 $4,989
Nationwide $9,986 $7,742 $6,667
Progressive $6,249 $5,465 $5,096
State Farm $5,177 $3,169 $2,497
Travelers $8,281 $7,017 $6,998
USAA $4,820 $2,697 $2,196

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Cheap Totz, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Totz, Kentucky

ZIP Code Average Annual Rates
40870 $5,721

Cheap Totz, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Totz, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,299 $10,299
GEICO $5,341 $5,438
Liberty Mutual $7,256 $7,256
Nationwide $8,132 $8,132
Progressive $5,604 $5,604
State Farm $3,523 $3,706
Travelers $7,432 $7,432
USAA $3,114 $3,361

Cheap Totz, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Totz, Kentucky

Insurance Company Low Medium High
Allstate $8,843 $10,209 $11,846
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,874 $7,207 $7,686
Nationwide $8,122 $7,993 $8,280
Progressive $5,084 $5,497 $6,230
State Farm $3,381 $3,601 $3,861
Travelers $6,981 $7,454 $7,860
USAA $3,078 $3,229 $3,405

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Best By Category: Cheapest Auto Insurance in Totz, Kentucky

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

Best Annual Auto Insurance Rates by Company in Totz, Kentucky

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

The Cheapest Totz, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Totz, Kentucky

Insurance Company Average Annual Rates
Allstate $10,299
GEICO $5,390
Liberty Mutual $7,256
Nationwide $8,132
Progressive $5,604
State Farm $3,614
Travelers $7,432
USAA $3,238

Compare Totz, Kentucky Auto Insurance Quotes

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