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 Midway, KY are $336/month
  • The cheapest car insurance company in Midway for teen drivers is USAA
  • The cheapest car insurance company in Midway after a DUI is State Farm

Average car insurance rates in Midway, Kentucky are $336 a month. But with a little research you can get a great deal from the top car insurance companies in Midway, KY. Before you buy Midway, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Midway, KY Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Midway, Kentucky

Insurance Company Low Medium High
Allstate $4,849 $5,213 $5,642
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,524 $4,743 $5,062
Nationwide $4,033 $3,978 $4,044
Progressive $3,866 $4,152 $4,575
State Farm $2,353 $2,526 $2,700
Travelers $4,625 $4,918 $5,140
USAA $2,559 $2,684 $2,826

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Midway, 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 $2,923 $2,874 $2,666 $2,839 $11,308 $12,738 $3,186 $3,342
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,554 $2,760 $2,185 $2,438 $10,883 $12,018 $2,650 $2,723
Nationwide $2,839 $2,838 $2,573 $2,678 $6,512 $8,085 $3,232 $3,390
Progressive $1,991 $1,884 $1,797 $1,800 $9,925 $11,212 $2,464 $2,509
State Farm $1,577 $1,577 $1,412 $1,412 $4,632 $5,892 $1,760 $1,947
Travelers $2,057 $2,091 $2,035 $2,037 $10,095 $16,225 $2,157 $2,457
USAA $1,788 $1,782 $1,621 $1,638 $4,871 $5,117 $2,249 $2,452

Midway, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Midway, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,308 $12,738
GEICO $6,635 $7,852
Liberty Mutual $10,883 $12,018
Nationwide $6,512 $8,085
Progressive $9,925 $11,212
State Farm $4,632 $5,892
Travelers $10,095 $16,225
USAA $4,871 $5,117

Midway, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Midway, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,666 $2,839
GEICO $3,309 $2,996
Liberty Mutual $2,185 $2,438
Nationwide $2,573 $2,678
Progressive $1,797 $1,800
State Farm $1,412 $1,412
Travelers $2,035 $2,037
USAA $1,621 $1,638

Midway, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Midway, Kentucky

Insurance Company Poor Fair Good
Allstate $6,910 $4,801 $3,993
GEICO $6,508 $3,249 $2,117
Liberty Mutual $6,799 $4,209 $3,321
Nationwide $4,855 $3,852 $3,348
Progressive $4,668 $4,097 $3,829
State Farm $3,648 $2,207 $1,724
Travelers $5,446 $4,626 $4,610
USAA $3,980 $2,250 $1,839

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Midway, KY Car Insurance Rates by Driver History

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

Annual Midway, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,304 $5,664 $6,084 $4,886
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $3,979 $6,132 $4,763 $4,231
Nationwide $3,221 $4,129 $5,189 $3,534
Progressive $3,472 $5,151 $3,958 $4,211
State Farm $2,313 $2,739 $2,526 $2,526
Travelers $4,267 $4,386 $6,354 $4,571
USAA $2,024 $2,861 $3,431 $2,442

Midway, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Midway, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,084
GEICO $6,360
Liberty Mutual $4,763
Nationwide $5,189
Progressive $3,958
State Farm $2,526
Travelers $6,354
USAA $3,431

Midway, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Midway, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,234 $5,234
GEICO $3,921 $3,995
Liberty Mutual $4,776 $4,776
Nationwide $4,018 $4,018
Progressive $4,198 $4,198
State Farm $2,462 $2,591
Travelers $4,894 $4,894
USAA $2,591 $2,788

Midway, KY Cheapest Car Insurance Rates

How do the top Midway, Kentucky car insurance companies’ average rates stack up against the Midway average monthly car insurance rates of $336? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Midway, Kentucky

Insurance Company Average Annual Rates
Allstate $5,234
GEICO $3,958
Liberty Mutual $4,776
Nationwide $4,018
Progressive $4,198
State Farm $2,526
Travelers $4,894
USAA $2,690

Other Factors Affecting Midway, KY Car Insurance Rates

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

Midway, KY Commute Time

How does your Midway, KY commute time compare with the average driver? In Midway, the average commute is 19.2 minutes.

Midway, KY Car Insurance Quotes

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