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 Shelbyville, KY are $358/month
  • The cheapest car insurance company in Shelbyville after a DUI is State Farm
  • Average car insurance rates in Shelbyville, KY for senior drivers are $2,362/year

Average car insurance rates in Shelbyville, Kentucky are $358 a month. But with a little research you can get a great deal from the top car insurance companies in Shelbyville, KY. Before you buy Shelbyville, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Shelbyville, KY Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Shelbyville, Kentucky

Insurance Company Low Medium High
Allstate $5,344 $5,743 $6,212
GEICO $3,806 $4,060 $4,363
Liberty Mutual $4,591 $4,790 $5,078
Nationwide $4,558 $4,470 $4,518
Progressive $4,079 $4,377 $4,839
State Farm $2,886 $3,060 $3,235
Travelers $4,807 $5,100 $5,317
USAA $2,526 $2,650 $2,792

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Shelbyville, 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 $3,229 $3,185 $2,929 $3,125 $12,408 $13,964 $3,551 $3,738
GEICO $3,286 $3,041 $3,436 $3,112 $6,749 $7,991 $2,682 $2,313
Liberty Mutual $2,574 $2,787 $2,179 $2,435 $10,950 $12,128 $2,694 $2,810
Nationwide $3,194 $3,199 $2,882 $3,013 $7,284 $9,099 $3,630 $3,821
Progressive $2,122 $2,016 $1,908 $1,915 $10,408 $11,772 $2,630 $2,684
State Farm $1,895 $1,895 $1,691 $1,691 $5,656 $7,173 $2,117 $2,365
Travelers $2,144 $2,180 $2,116 $2,118 $10,447 $16,772 $2,246 $2,573
USAA $1,779 $1,781 $1,611 $1,636 $4,749 $5,000 $2,242 $2,453

Shelbyville, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Shelbyville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,408 $13,964
GEICO $6,749 $7,991
Liberty Mutual $10,950 $12,128
Nationwide $7,284 $9,099
Progressive $10,408 $11,772
State Farm $5,656 $7,173
Travelers $10,447 $16,772
USAA $4,749 $5,000

Shelbyville, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Shelbyville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,929 $3,125
GEICO $3,436 $3,112
Liberty Mutual $2,179 $2,435
Nationwide $2,882 $3,013
Progressive $1,908 $1,915
State Farm $1,691 $1,691
Travelers $2,116 $2,118
USAA $1,611 $1,636

Shelbyville, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Shelbyville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,620 $5,282 $4,396
GEICO $6,702 $3,346 $2,180
Liberty Mutual $6,880 $4,237 $3,343
Nationwide $5,472 $4,319 $3,755
Progressive $4,943 $4,321 $4,032
State Farm $4,433 $2,670 $2,079
Travelers $5,652 $4,795 $4,777
USAA $3,939 $2,218 $1,811

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Shelbyville, KY Car Insurance Rates by Driver History

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

Annual Shelbyville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,753 $6,242 $6,684 $5,385
GEICO $2,428 $4,321 $6,581 $2,974
Liberty Mutual $4,018 $6,182 $4,808 $4,270
Nationwide $3,590 $4,644 $5,874 $3,954
Progressive $3,665 $5,431 $4,179 $4,451
State Farm $2,798 $3,323 $3,060 $3,060
Travelers $4,423 $4,548 $6,586 $4,741
USAA $2,003 $2,830 $3,380 $2,413

Shelbyville, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Shelbyville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,684
GEICO $6,581
Liberty Mutual $4,808
Nationwide $5,874
Progressive $4,179
State Farm $3,060
Travelers $6,586
USAA $3,380

Shelbyville, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Shelbyville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,766 $5,766
GEICO $4,038 $4,114
Liberty Mutual $4,820 $4,820
Nationwide $4,515 $4,515
Progressive $4,432 $4,432
State Farm $2,985 $3,136
Travelers $5,075 $5,075
USAA $2,557 $2,755

Shelbyville, KY Cheapest Car Insurance Rates

How do the top Shelbyville, Kentucky car insurance companies’ average rates stack up against the Shelbyville average monthly car insurance rates of $358? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Shelbyville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,766
GEICO $4,076
Liberty Mutual $4,820
Nationwide $4,515
Progressive $4,432
State Farm $3,060
Travelers $5,075
USAA $2,656

Other Factors Affecting Shelbyville, KY Car Insurance Rates

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

Shelbyville, KY Commute Time

How does your Shelbyville, KY commute time compare with the average driver? In Shelbyville, the average commute is 25.1 minutes.

Shelbyville, KY Car Insurance Quotes

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