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 Owensboro, KY are $297/month
  • The cheapest car insurance company in Owensboro for teen drivers is USAA
  • Average car insurance rates in Owensboro, KY for senior drivers are $2,033/year

Average car insurance rates in Owensboro, Kentucky are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Owensboro, KY. Before you buy Owensboro, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Owensboro, KY Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Owensboro, Kentucky

Insurance Company Low Medium High
Allstate $4,608 $4,910 $5,267
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,073 $4,241 $4,489
Nationwide $3,202 $3,141 $3,180
Progressive $3,060 $3,287 $3,611
State Farm $2,165 $2,315 $2,469
Travelers $3,643 $3,856 $4,010
USAA $2,400 $2,508 $2,633

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Owensboro, 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 $2,858 $2,835 $2,580 $2,749 $10,295 $11,569 $3,178 $3,363
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,368 $2,560 $2,038 $2,268 $9,471 $10,436 $2,463 $2,539
Nationwide $2,312 $2,314 $2,105 $2,191 $4,986 $6,172 $2,598 $2,718
Progressive $1,600 $1,521 $1,441 $1,448 $7,780 $8,774 $1,977 $2,015
State Farm $1,438 $1,438 $1,288 $1,288 $4,269 $5,420 $1,606 $1,785
Travelers $1,697 $1,728 $1,660 $1,666 $7,752 $12,380 $1,769 $2,041
USAA $1,690 $1,692 $1,527 $1,552 $4,474 $4,718 $2,129 $2,329

Owensboro, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Owensboro, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,295 $11,569
GEICO $6,876 $8,160
Liberty Mutual $9,471 $10,436
Nationwide $4,986 $6,172
Progressive $7,780 $8,774
State Farm $4,269 $5,420
Travelers $7,752 $12,380
USAA $4,474 $4,718

Owensboro, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Owensboro, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,580 $2,749
GEICO $3,530 $3,197
Liberty Mutual $2,038 $2,268
Nationwide $2,105 $2,191
Progressive $1,441 $1,448
State Farm $1,288 $1,288
Travelers $1,660 $1,666
USAA $1,527 $1,552

Owensboro, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Owensboro, Kentucky

Insurance Company Poor Fair Good
Allstate $6,514 $4,506 $3,766
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,078 $3,754 $2,972
Nationwide $3,840 $3,036 $2,648
Progressive $3,695 $3,238 $3,025
State Farm $3,348 $2,023 $1,579
Travelers $4,274 $3,626 $3,610
USAA $3,733 $2,097 $1,711

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Owensboro, KY Car Insurance Rates by Driver History

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

Annual Owensboro, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,111 $5,325 $5,660 $4,618
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,567 $5,462 $4,255 $3,787
Nationwide $2,560 $3,260 $4,077 $2,801
Progressive $2,750 $4,062 $3,133 $3,333
State Farm $2,118 $2,515 $2,317 $2,317
Travelers $3,358 $3,453 $4,943 $3,593
USAA $1,898 $2,679 $3,194 $2,285

Owensboro, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Owensboro, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,660
GEICO $6,759
Liberty Mutual $4,255
Nationwide $4,077
Progressive $3,133
State Farm $2,317
Travelers $4,943
USAA $3,194

Owensboro, KY Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Owensboro, Kentucky

ZIP Code Average Annual Rates
42301 $3,147
42303 $3,150

Owensboro, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Owensboro, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,929 $4,929
GEICO $4,139 $4,217
Liberty Mutual $4,268 $4,268
Nationwide $3,175 $3,175
Progressive $3,319 $3,319
State Farm $2,258 $2,375
Travelers $3,837 $3,837
USAA $2,421 $2,607

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Owensboro, KY Cheapest Car Insurance Rates

How do the top Owensboro, Kentucky car insurance companies’ average rates stack up against the Owensboro average monthly car insurance rates of $297? Take a look and see.

Best Annual Car Insurance Rates by Company in Owensboro, 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

Owensboro, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Owensboro, Kentucky

Insurance Company Average Annual Rates
Allstate $4,929
GEICO $4,178
Liberty Mutual $4,268
Nationwide $3,175
Progressive $3,319
State Farm $2,317
Travelers $3,837
USAA $2,514

Other Factors Affecting Owensboro, KY Car Insurance Rates

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

Owensboro, KY Commute Time

How does your Owensboro, KY commute time compare with the average driver? In Owensboro, the average commute is 17.5 minutes.

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Owensboro, KY Car Insurance Quotes

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