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 Harold, KY for senior drivers are $3,703/year
  • The cheapest car insurance company in Harold after a DUI is State Farm
  • Average car insurance rates in Harold, KY are $571/month

Average car insurance rates in Harold, Kentucky are $571 a month. But with a little research you can get a great deal from the top car insurance companies in Harold, KY. Before you buy Harold, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Harold, KY Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Harold, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,632
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,018 $8,480 $9,132
Nationwide $7,743 $7,625 $7,887
Progressive $6,381 $6,991 $8,130
State Farm $3,493 $3,725 $3,996
Travelers $9,340 $9,923 $10,419
USAA $2,877 $3,027 $3,203

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harold, 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 $4,501 $4,909 $3,755 $4,243 $19,508 $21,744 $4,723 $4,963
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,314 $3,121 $3,015 $3,006 $17,141 $19,471 $4,118 $4,151
State Farm $2,452 $2,452 $2,173 $2,173 $6,583 $8,361 $2,717 $2,994
Travelers $4,021 $4,096 $3,958 $3,966 $20,585 $33,458 $4,203 $4,868
USAA $2,046 $2,062 $1,848 $1,893 $5,350 $5,640 $2,593 $2,854

Harold, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Harold, 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 $19,508 $21,744
Nationwide $12,492 $15,331
Progressive $17,141 $19,471
State Farm $6,583 $8,361
Travelers $20,585 $33,458
USAA $5,350 $5,640

Harold, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Harold, 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 $3,755 $4,243
Nationwide $5,035 $5,213
Progressive $3,015 $3,006
State Farm $2,173 $2,173
Travelers $3,958 $3,966
USAA $1,848 $1,893

Harold, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Harold, Kentucky

Insurance Company Poor Fair Good
Allstate $12,575 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,302 $7,471 $5,856
Nationwide $9,520 $7,384 $6,351
Progressive $7,979 $6,994 $6,529
State Farm $5,357 $3,277 $2,580
Travelers $11,053 $9,330 $9,300
USAA $4,520 $2,528 $2,059

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Harold, KY Car Insurance Rates by Driver History

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

Annual Harold, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,065 $10,783 $8,728
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,098 $11,003 $8,518 $7,554
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,903 $8,865 $6,724 $7,177
State Farm $3,459 $4,017 $3,738 $3,738
Travelers $8,598 $8,850 $12,895 $9,234
USAA $2,290 $3,241 $3,858 $2,753

Harold, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Harold, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,783
GEICO $8,597
Liberty Mutual $8,518
Nationwide $10,149
Progressive $6,724
State Farm $3,738
Travelers $12,895
USAA $3,858

Harold, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Harold, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $8,543 $8,543
Nationwide $7,752 $7,752
Progressive $7,167 $7,167
State Farm $3,648 $3,828
Travelers $9,894 $9,894
USAA $2,919 $3,153

Harold, KY Cheapest Car Insurance Rates

How do the top Harold, Kentucky car insurance companies’ average rates stack up against the Harold average monthly car insurance rates of $571? Take a look and see.

Best Annual Car Insurance Rates by Company in Harold, 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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Harold, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Harold, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $8,543
Nationwide $7,752
Progressive $7,167
State Farm $3,738
Travelers $9,894
USAA $3,036

Harold, KY Car Insurance Quotes

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