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 Flatwoods, KY are $362/month
  • Average car insurance rates in Flatwoods, KY for senior drivers are $2,467/year
  • The cheapest car insurance company in Flatwoods after a DUI is State Farm

Average car insurance rates in Flatwoods, Kentucky are $362 a month. But with a little research you can get a great deal from the top car insurance companies in Flatwoods, KY. Before you buy Flatwoods, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Flatwoods, KY Minimum Car Insurance Coverage

Flatwoods, 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 Flatwoods, 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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Flatwoods, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Flatwoods, Kentucky

Insurance Company Low Medium High
Allstate $5,593 $6,067 $6,622
GEICO $4,251 $4,551 $4,871
Liberty Mutual $4,802 $5,057 $5,434
Nationwide $4,753 $4,727 $4,902
Progressive $3,969 $4,297 $4,826
State Farm $2,511 $2,673 $2,851
Travelers $4,012 $4,267 $4,461
USAA $2,782 $2,924 $3,087

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Flatwoods, 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 $2,850 $3,091 $2,460 $2,749 $11,251 $12,411 $2,950 $3,022
Nationwide $3,516 $3,512 $3,200 $3,331 $7,480 $9,251 $3,944 $4,119
Progressive $2,075 $1,969 $1,873 $1,877 $10,290 $11,643 $2,571 $2,614
State Farm $1,671 $1,671 $1,496 $1,496 $4,923 $6,231 $1,862 $2,078
Travelers $1,833 $1,865 $1,796 $1,804 $8,649 $13,922 $1,912 $2,196
USAA $1,941 $1,939 $1,759 $1,782 $5,312 $5,579 $2,454 $2,683

Flatwoods, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Flatwoods, 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 $11,251 $12,411
Nationwide $7,480 $9,251
Progressive $10,290 $11,643
State Farm $4,923 $6,231
Travelers $8,649 $13,922
USAA $5,312 $5,579

Flatwoods, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Flatwoods, 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 $2,460 $2,749
Nationwide $3,200 $3,331
Progressive $1,873 $1,877
State Farm $1,496 $1,496
Travelers $1,796 $1,804
USAA $1,759 $1,782

Flatwoods, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Flatwoods, Kentucky

Insurance Company Poor Fair Good
Allstate $8,083 $5,570 $4,630
GEICO $7,493 $3,742 $2,438
Liberty Mutual $7,283 $4,476 $3,534
Nationwide $5,864 $4,565 $3,953
Progressive $4,861 $4,256 $3,975
State Farm $3,863 $2,341 $1,832
Travelers $4,726 $4,015 $4,000
USAA $4,335 $2,453 $2,005

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Flatwoods, KY Car Insurance Rates by Driver History

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

Annual Flatwoods, 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 $4,254 $6,537 $5,079 $4,522
Nationwide $3,852 $4,925 $6,176 $4,223
Progressive $3,608 $5,360 $4,110 $4,379
State Farm $2,451 $2,906 $2,679 $2,679
Travelers $3,715 $3,819 $5,484 $3,970
USAA $2,201 $3,119 $3,748 $2,656

Flatwoods, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Flatwoods, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,047
GEICO $7,418
Liberty Mutual $5,079
Nationwide $6,176
Progressive $4,110
State Farm $2,679
Travelers $5,484
USAA $3,748

Flatwoods, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Flatwoods, 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 $5,098 $5,098
Nationwide $4,794 $4,794
Progressive $4,364 $4,364
State Farm $2,613 $2,744
Travelers $4,247 $4,247
USAA $2,822 $3,040

Flatwoods, KY Cheapest Car Insurance Rates

How do the top Flatwoods, Kentucky car insurance companies’ average rates stack up against the Flatwoods average monthly car insurance rates of $362? Take a look and see.

Best Annual Car Insurance Rates by Company in Flatwoods, Kentucky

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

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Flatwoods, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Flatwoods, Kentucky

Insurance Company Average Annual Rates
Allstate $6,094
GEICO $4,557
Liberty Mutual $5,098
Nationwide $4,794
Progressive $4,364
State Farm $2,679
Travelers $4,247
USAA $2,931

Other Factors Affecting Flatwoods, KY Car Insurance Rates

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

Flatwoods, KY Commute Time

How does your Flatwoods, KY commute time compare with the average driver? In Flatwoods, the average commute is 20.6 minutes.

Flatwoods, KY Car Insurance Quotes

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