Best Cheap Auto Insurance in Whitesburg, KY (2021)

The average Whitesburg, KY auto insurance rates are $557 per month. The minimum auto insurance in Whitesburg is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Whitesburg, 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

  • Average auto insurance rates in Whitesburg, KY for senior drivers are $3,666 per year
  • The cheapest auto insurance company in Whitesburg is USAA
  • The most expensive auto insurance company in Whitesburg for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Whitesburg, Kentucky

Whitesburg, 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 Whitesburg, Kentucky.

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

Auto insurance rates in Whitesburg, 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 Whitesburg, 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 $5,387 $5,301 $4,961 $5,262 $19,837 $21,974 $5,819 $6,068
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,684 $5,091 $3,986 $4,469 $20,096 $22,223 $4,872 $5,032
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $2,952 $2,788 $2,668 $2,667 $14,946 $16,966 $3,668 $3,725
State Farm $2,467 $2,467 $2,187 $2,187 $6,632 $8,425 $2,733 $3,012
Travelers $3,715 $3,784 $3,655 $3,655 $18,512 $29,781 $3,886 $4,529
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Cheap Whitesburg, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Whitesburg, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,837 $21,974
GEICO $8,902 $10,417
Liberty Mutual $20,096 $22,223
Nationwide $12,492 $15,331
Progressive $14,946 $16,966
State Farm $6,632 $8,425
Travelers $18,512 $29,781
USAA $5,756 $6,065

Cheap Whitesburg, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Whitesburg, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,961 $5,262
GEICO $4,595 $4,158
Liberty Mutual $3,986 $4,469
Nationwide $5,035 $5,213
Progressive $2,668 $2,667
State Farm $2,187 $2,187
Travelers $3,655 $3,655
USAA $1,955 $1,999

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

Annual Whitesburg, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,065 $10,784 $8,728
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,299 $11,352 $8,785 $7,791
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,193 $7,757 $5,923 $6,317
State Farm $3,482 $4,045 $3,764 $3,764
Travelers $7,763 $7,995 $11,645 $8,355
USAA $2,436 $3,454 $4,127 $2,933

Cheap Whitesburg, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Whitesburg, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,784
GEICO $8,597
Liberty Mutual $8,785
Nationwide $10,149
Progressive $5,923
State Farm $3,764
Travelers $11,645
USAA $4,127

Cheap Whitesburg, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Whitesburg, Kentucky

Insurance Company Poor Fair Good
Allstate $12,576 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,672 $7,712 $6,035
Nationwide $9,520 $7,384 $6,351
Progressive $7,023 $6,142 $5,728
State Farm $5,395 $3,299 $2,597
Travelers $10,001 $8,425 $8,393
USAA $4,820 $2,697 $2,196

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Cheap Whitesburg, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Whitesburg, Kentucky

ZIP Code Average Annual Rates
41858 $6,043

Cheap Whitesburg, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Whitesburg, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $8,807 $8,807
Nationwide $7,752 $7,752
Progressive $6,298 $6,298
State Farm $3,673 $3,855
Travelers $8,940 $8,940
USAA $3,114 $3,361

Cheap Whitesburg, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Whitesburg, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,633
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,288 $8,737 $9,394
Nationwide $7,743 $7,625 $7,887
Progressive $5,723 $6,178 $6,992
State Farm $3,516 $3,751 $4,025
Travelers $8,510 $8,974 $9,335
USAA $3,078 $3,229 $3,405

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Best By Category: Cheapest Auto Insurance in Whitesburg, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Whitesburg, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $8,807
Nationwide $7,752
Progressive $6,298
State Farm $3,764
Travelers $8,940
USAA $3,238

What affects auto insurance rates in Whitesburg, Kentucky?

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

Whitesburg Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Whitesburg, Kentucky commute length is 14.5 minutes according to City-Data.

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Compare Whitesburg, Kentucky Auto Insurance Quotes

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