Best Bowling Green, KY Car Insurance in 2024
Car insurance in Bowling Green, KY averages $307 a month. Bowling Green, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bowling Green car insurance rates, compare quotes from the top car insurance companies in Bowling Green, KY.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Bowling Green for teen drivers is State Farm
- Average car insurance rates in Bowling Green, KY are $3,688/year
- Average car insurance rates in Bowling Green, KY after a DUI are $4,452/year
If you need to buy Bowling Green, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Bowling Green, KY is right here.
You’ll find Bowling Green car insurance rates, the cheapest Bowling Green, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Bowling Green, Kentucky car insurance rates to Hopkinsville car insurance rates, Frankfort car insurance rates, and Owensboro car insurance rates.
Ready to find affordable Bowling Green, KY car insurance today? Enter your ZIP code for fast, free Bowling Green car insurance quotes.
Cheapest Bowling Green, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bowling Green, KY car insurance rates? Every Bowling Green, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Bowling Green, 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 | $2,899 | $2,868 | $2,623 | $2,794 | $10,682 | $12,014 | $3,208 | $3,389 |
| Geico | $3,361 | $3,112 | $3,510 | $3,179 | $6,851 | $8,131 | $2,747 | $2,372 |
| Liberty Mutual | $2,160 | $2,334 | $1,850 | $2,058 | $8,925 | $9,850 | $2,251 | $2,329 |
| Nationwide | $2,859 | $2,851 | $2,591 | $2,696 | $6,391 | $7,916 | $3,240 | $3,385 |
| Progressive | $1,740 | $1,648 | $1,572 | $1,575 | $8,611 | $9,725 | $2,150 | $2,187 |
| State Farm | $1,418 | $1,418 | $1,266 | $1,266 | $4,130 | $5,255 | $1,581 | $1,750 |
| Travelers | $1,688 | $1,718 | $1,652 | $1,659 | $7,779 | $12,487 | $1,758 | $2,022 |
| USAA | $1,715 | $1,713 | $1,553 | $1,573 | $4,608 | $4,846 | $2,158 | $2,354 |
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Minimum Car Insurance in Bowling Green, KY
Every driver must carry the minimum car insurance in Bowling Green, KY. Take a look at the Kentucky car insurance requirements.
Minimum Required Car Insurance Coverage in Bowling Green, 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 |
Cheapest Bowling Green, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bowling Green, KY. Compare credit history car insurance rates in Bowling Green from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Bowling Green, Kentucky
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,684 | $4,631 | $3,864 |
| Geico | $6,836 | $3,413 | $2,224 |
| Liberty Mutual | $5,650 | $3,495 | $2,765 |
| Nationwide | $4,839 | $3,817 | $3,317 |
| Progressive | $4,060 | $3,563 | $3,330 |
| State Farm | $3,266 | $1,974 | $1,541 |
| Travelers | $4,282 | $3,635 | $3,621 |
| USAA | $3,805 | $2,142 | $1,748 |
Cheapest Bowling Green, KY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bowling Green, KY to rates for a clean record with top companies.
Annual Bowling Green, Kentucky Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,199 | $5,470 | $5,835 | $4,734 |
| Geico | $2,469 | $4,406 | $6,731 | $3,024 |
| Liberty Mutual | $3,315 | $5,081 | $3,960 | $3,523 |
| Nationwide | $3,188 | $4,103 | $5,170 | $3,503 |
| Progressive | $3,021 | $4,479 | $3,442 | $3,662 |
| State Farm | $2,072 | $2,449 | $2,260 | $2,260 |
| Travelers | $3,368 | $3,462 | $4,953 | $3,600 |
| USAA | $1,935 | $2,731 | $3,265 | $2,330 |
Cheapest Bowling Green, KY Car Insurance for Teen Drivers
Teen car insurance in Bowling Green, KY can be expensive. Take a look at rates from the top car insurance companies in Bowling Green for teenagers.
Annual Car Insurance Rates for Teen Drivers in Bowling Green, Kentucky
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,682 | $12,014 |
| Geico | $6,851 | $8,131 |
| Liberty Mutual | $8,925 | $9,850 |
| Nationwide | $6,391 | $7,916 |
| Progressive | $8,611 | $9,725 |
| State Farm | $4,130 | $5,255 |
| Travelers | $7,779 | $12,487 |
| USAA | $4,608 | $4,846 |
Cheapest Bowling Green, KY Car Insurance for Seniors
Take a look at Bowling Green, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Bowling Green, Kentucky
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,623 | $2,794 |
| Geico | $3,510 | $3,179 |
| Liberty Mutual | $1,850 | $2,058 |
| Nationwide | $2,591 | $2,696 |
| Progressive | $1,572 | $1,575 |
| State Farm | $1,266 | $1,266 |
| Travelers | $1,652 | $1,659 |
| USAA | $1,553 | $1,573 |
Cheapest Bowling Green, KY Car Insurance Rates After a DUI
A DUI in Bowling Green, KY increases car insurance rates. Compare Bowling Green, Kentucky DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Bowling Green, Kentucky
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,835 |
| Geico | $6,731 |
| Liberty Mutual | $3,960 |
| Nationwide | $5,170 |
| Progressive | $3,442 |
| State Farm | $2,260 |
| Travelers | $4,953 |
| USAA | $3,265 |
Read more: What are the DUI insurance laws in Kentucky?
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Cheapest Bowling Green, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bowling Green, KY by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Bowling Green, Kentucky
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,060 | $5,060 |
| Geico | $4,119 | $4,197 |
| Liberty Mutual | $3,970 | $3,970 |
| Nationwide | $3,991 | $3,991 |
| Progressive | $3,651 | $3,651 |
| State Farm | $2,203 | $2,318 |
| Travelers | $3,846 | $3,846 |
| USAA | $2,471 | $2,659 |
Cheapest Bowling Green, KY Car Insurance Rates by ZIP Code
Bowling Green car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bowling Green, KY.
Annual Car Insurance Rates by ZIP Code in Bowling Green, Kentucky
| ZIP Code | Average Annual Rates |
|---|---|
| 42101 | $3,279 |
| 42103 | $3,288 |
| 42104 | $3,259 |
The Best Cheap Car Insurance Companies in Bowling Green, KY
Take a look at a side-by-side comparison of the top car insurance companies in Bowling Green, KY to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Bowling Green, Kentucky
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,060 |
| Geico | $4,158 |
| Liberty Mutual | $3,970 |
| Nationwide | $3,991 |
| Progressive | $3,651 |
| State Farm | $2,260 |
| Travelers | $3,846 |
| USAA | $2,565 |
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Category Winners: Cheapest Car Insurance in Bowling Green, Kentucky
Find the cheapest car insurance companies in Bowling Green, KY for each category right here.
Best Annual Car Insurance Rates by Company in Bowling Green, Kentucky
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Bowling Green, KY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Bowling Green car insurance rates. Find the cheapest Bowling Green, KY car insurance rates by coverage level.
Read more: Compare Best Green Car Insurance Companies
Annual Car Insurance Rates by Coverage Level in Bowling Green, Kentucky
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,738 | $5,041 | $5,399 |
| Geico | $3,895 | $4,144 | $4,435 |
| Liberty Mutual | $3,784 | $3,945 | $4,180 |
| Nationwide | $4,029 | $3,950 | $3,995 |
| Progressive | $3,349 | $3,607 | $3,997 |
| State Farm | $2,109 | $2,259 | $2,414 |
| Travelers | $3,634 | $3,862 | $4,040 |
| USAA | $2,445 | $2,559 | $2,691 |
What affects car insurance rates in Bowling Green, Kentucky?
What factors can have an impact on Bowling Green, KY car insurance? There are several reasons why Bowling Green car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bowling Green, Kentucky.
Commute Time in Bowling Green
The more time you spend in your car the higher the risk of an accident. The average commute length in Bowling Green, KY is 18.1 minutes according to City-Data.
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Compare Car Insurance Quotes in Bowling Green, KY
Ready to find affordable Bowling Green, Kentucky car insurance today? Enter your ZIP code for fast, free Bowling Green, KY car insurance quotes.
Frequently Asked Questions
What factors affect car insurance rates in Bowling Green, KY?
Several factors can influence car insurance rates in Bowling Green, KY, including:
- Age and driving experience of the driver
- Vehicle make, model, and year
- Driving record and claims history
- Credit score
- Coverage limits and deductibles
- Commute distance and usage of the vehicle
- Local crime rates
- Previous insurance coverage
Are car insurance rates higher in Bowling Green, KY compared to other areas?
Car insurance rates can vary depending on the location. Bowling Green, KY, typically has lower car insurance rates compared to larger cities in Kentucky like Louisville or Lexington. However, rates can still differ based on individual circumstances and the specific insurance provider.
How can I find the best car insurance rates in Bowling Green, KY?
To find the best car insurance rates in Bowling Green, KY, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Review the coverage options and limits to ensure they meet your needs.
- Check for available discounts that you may qualify for, such as safe driver discounts or multi-policy discounts.
- Research the insurance company’s financial stability and customer satisfaction ratings.
- Consider bundling your car insurance with other policies, like home insurance, for potential discounts.
Are there any specific requirements for car insurance in Bowling Green, KY?
Yes, Kentucky law mandates that all drivers in Bowling Green, KY, carry liability insurance with the following minimum coverage limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage per accident
It’s important to note that these are the minimum requirements, and additional coverage options are available for greater protection.
Can my credit score affect my car insurance rates in Bowling Green, KY?
Yes, in Bowling Green, KY, insurance companies may consider your credit score as a factor when determining your car insurance rates. A lower credit score could potentially result in higher premiums. It is advised to maintain good credit to potentially secure more favorable insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.