Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Ashland, KY for senior drivers are $2,444/year
  • The cheapest car insurance company in Ashland after a DUI is State Farm
  • Average car insurance rates in Ashland, KY are $358/month

Average car insurance rates in Ashland, Kentucky are $358 a month. But with a little research you can get a great deal from the top car insurance companies in Ashland, KY. Before you buy Ashland, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Ashland car insurance rates with Hopkinsville car insurance rates, Frankfort car insurance rates, or Bowling Green car insurance rates to make sure you’re getting the best Ashland, KY car insurance quotes available.

Need affordable Ashland, KY car insurance? Enter your ZIP code to compare Ashland car insurance quotes from multiple car insurance companies near you.

Ashland, KY Minimum Car Insurance Coverage

Ashland, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ashland, 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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Ashland, KY Car Insurance Rates by Coverage Level

Some Ashland drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Ashland, Kentucky car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ashland, Kentucky

Insurance Company Low Medium High
Allstate $5,593 $6,067 $6,622
GEICO $4,251 $4,551 $4,871
Liberty Mutual $4,706 $4,941 $5,290
Nationwide $4,753 $4,727 $4,902
Progressive $3,904 $4,226 $4,743
State Farm $2,497 $2,661 $2,841
Travelers $4,072 $4,342 $4,558
USAA $2,539 $2,665 $2,810

Ashland, KY Car Insurance Rates by Age, Gender, and Marital Status

Ashland, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ashland, KY car insurance, get quotes from multiple car insurance companies in the Ashland area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ashland, 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 $3,450 $3,407 $3,130 $3,338 $13,025 $14,602 $3,799 $4,001
GEICO $3,709 $3,438 $3,873 $3,508 $7,451 $8,824 $3,033 $2,624
Liberty Mutual $2,823 $3,063 $2,442 $2,726 $10,870 $11,977 $2,926 $3,002
Nationwide $3,516 $3,512 $3,200 $3,331 $7,480 $9,251 $3,944 $4,119
Progressive $2,042 $1,938 $1,843 $1,847 $10,114 $11,443 $2,530 $2,573
State Farm $1,664 $1,664 $1,490 $1,490 $4,899 $6,203 $1,855 $2,067
Travelers $1,855 $1,889 $1,817 $1,826 $8,811 $14,243 $1,934 $2,218
USAA $1,780 $1,780 $1,612 $1,635 $4,806 $5,052 $2,246 $2,457

Ashland, KY Car Insurance Rates for Teens

How much is Ashland, Kentucky car insurance for teens? Compare rates from top Ashland car insurance companies below to help find the cheapest teen car insurance in Ashland, KY.

Annual Car Insurance Rates for Teen Drivers in Ashland, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,025 $14,602
GEICO $7,451 $8,824
Liberty Mutual $10,870 $11,977
Nationwide $7,480 $9,251
Progressive $10,114 $11,443
State Farm $4,899 $6,203
Travelers $8,811 $14,243
USAA $4,806 $5,052

Ashland, KY Car Insurance Rates for Seniors

Before seniors buy Ashland, Kentucky car insurance, they should make sure to shop around. Some Ashland, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ashland, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,130 $3,338
GEICO $3,873 $3,508
Liberty Mutual $2,442 $2,726
Nationwide $3,200 $3,331
Progressive $1,843 $1,847
State Farm $1,490 $1,490
Travelers $1,817 $1,826
USAA $1,612 $1,635

Ashland, KY Car Insurance Rates by Credit History

How does your credit history affect Ashland, KY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Ashland, Kentucky

Insurance Company Poor Fair Good
Allstate $8,083 $5,570 $4,630
GEICO $7,493 $3,742 $2,438
Liberty Mutual $7,119 $4,367 $3,451
Nationwide $5,864 $4,565 $3,953
Progressive $4,779 $4,185 $3,909
State Farm $3,845 $2,331 $1,824
Travelers $4,811 $4,088 $4,074
USAA $3,956 $2,233 $1,824

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Ashland, KY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ashland, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ashland.

Annual Ashland, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,039 $6,594 $7,047 $5,696
GEICO $2,691 $4,826 $7,418 $3,295
Liberty Mutual $4,158 $6,378 $4,961 $4,419
Nationwide $3,852 $4,925 $6,176 $4,223
Progressive $3,548 $5,269 $4,041 $4,306
State Farm $2,440 $2,893 $2,667 $2,667
Travelers $3,784 $3,889 $5,582 $4,041
USAA $2,011 $2,844 $3,407 $2,423

Ashland, KY Car Insurance Rates With a DUI

Even a single DUI can increase your Ashland, KY car insurance rates. Compare rates below to see which Ashland car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ashland, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,047
GEICO $7,418
Liberty Mutual $4,961
Nationwide $6,176
Progressive $4,041
State Farm $2,667
Travelers $5,582
USAA $3,407

Ashland, KY Car Insurance Rates by ZIP Code

Just like Ashland car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ashland, KY car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ashland, Kentucky

ZIP Code Average Annual Rates
41101 $3,823
41102 $3,806

Ashland, KY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ashland, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Ashland companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ashland, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,094 $6,094
GEICO $4,514 $4,601
Liberty Mutual $4,979 $4,979
Nationwide $4,794 $4,794
Progressive $4,291 $4,291
State Farm $2,601 $2,732
Travelers $4,324 $4,324
USAA $2,572 $2,771

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Ashland, KY Cheapest Car Insurance Rates

How do the top Ashland, Kentucky car insurance companies’ average rates stack up against the Ashland average monthly car insurance rates of $358? Take a look and see.

Best Annual Car Insurance Rates by Company in Ashland, 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

Ashland, KY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ashland, Kentucky car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ashland, Kentucky

Insurance Company Average Annual Rates
Allstate $6,094
GEICO $4,557
Liberty Mutual $4,979
Nationwide $4,794
Progressive $4,291
State Farm $2,667
Travelers $4,324
USAA $2,671

Other Factors Affecting Ashland, KY Car Insurance Rates

Before you buy Ashland, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ashland, KY Commute Time

How does your Ashland, KY commute time compare with the average driver? In Ashland, the average commute is 20.0 minutes.

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Ashland, KY Car Insurance Quotes

Compare Ashland, KY car insurance quotes from multiple companies by entering your ZIP code now.