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 Harlan, KY are $541/month
  • The cheapest car insurance company in Harlan after a DUI is State Farm
  • The cheapest car insurance company in Harlan for teen drivers is USAA

Average car insurance rates in Harlan, Kentucky are $541 a month. But with a little research you can get a great deal from the top car insurance companies in Harlan, KY. Before you buy Harlan, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Harlan, KY Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Harlan, 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 $5,198 $5,639 $6,421
State Farm $3,222 $3,451 $3,719
Travelers $7,963 $8,447 $8,836
USAA $3,078 $3,229 $3,405

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harlan, 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 $24,393 $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 $2,695 $2,547 $2,440 $2,439 $13,660 $15,500 $3,347 $3,394
State Farm $2,239 $2,239 $1,999 $1,999 $6,183 $7,833 $2,482 $2,741
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Harlan, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Harlan, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,046 $24,393
GEICO $8,902 $10,417
Liberty Mutual $16,417 $18,221
Nationwide $13,093 $16,143
Progressive $13,660 $15,500
State Farm $6,183 $7,833
Travelers $17,425 $28,270
USAA $5,756 $6,065

Harlan, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Harlan, 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 $2,440 $2,439
State Farm $1,999 $1,999
Travelers $3,397 $3,410
USAA $1,955 $1,999

Harlan, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Harlan, 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 $6,409 $5,612 $5,237
State Farm $4,958 $3,039 $2,396
Travelers $9,396 $7,939 $7,911
USAA $4,820 $2,697 $2,196

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Harlan, KY Car Insurance Rates by Driver History

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

Annual Harlan, Kentucky Car 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 $4,745 $7,089 $5,409 $5,768
State Farm $3,193 $3,735 $3,464 $3,464
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,436 $3,454 $4,127 $2,933

Harlan, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Harlan, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,908
GEICO $8,597
Liberty Mutual $7,235
Nationwide $10,669
Progressive $5,409
State Farm $3,464
Travelers $10,948
USAA $4,127

Harlan, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Harlan, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,299 $10,299
GEICO $5,341 $5,438
Liberty Mutual $7,256 $7,256
Nationwide $8,132 $8,132
Progressive $5,753 $5,753
State Farm $3,381 $3,548
Travelers $8,415 $8,415
USAA $3,114 $3,361

Harlan, KY Cheapest Car Insurance Rates

How do the top Harlan, Kentucky car insurance companies’ average rates stack up against the Harlan average monthly car insurance rates of $541? Take a look and see.

Best Annual Car Insurance Rates by Company in Harlan, 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

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Harlan, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Harlan, Kentucky

Insurance Company Average Annual Rates
Allstate $10,299
GEICO $5,390
Liberty Mutual $7,256
Nationwide $8,132
Progressive $5,753
State Farm $3,464
Travelers $8,415
USAA $3,238

Other Factors Affecting Harlan, KY Car Insurance Rates

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

Harlan, KY Commute Time

How does your Harlan, KY commute time compare with the average driver? In Harlan, the average commute is 11.8 minutes.

Harlan, KY Car Insurance Quotes

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