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In Bowling Green, residents are dependent on their cars to get around. The city is not walkable, and there is minimal public transportation. It’s important for drivers in Bowling Green to get auto insurance policies so they can drive legally and have protection in case of an accident.
The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bowling Green, KY to find you the cheapest quotes in the area.
Here are the cheapest carriers in Bowling Green for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $73/mo |
 State Farm | $135/mo |
 Travelers | $148/mo |
 The General | $203/mo |
 Liberty Mutual | $217/mo |
| Best Companies | ||
|---|---|---|
 American Family | $248/mo | |
 Safeco | $237/mo | |
Liberty Mutual | $192/mo | |
Travelers | $158/mo |
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All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Driving in Bowling Green under the age of 20 can be expensive, as teens here often pay around $541 for car insurance. Thankfully, turning 20 drops rates considerably, with most people saving around $300 on their premiums. As residents of Bowling Green get older, rates continue to decrease and those in their 60s pay the least at an average of $148, proving that experience behind the wheel pays off handsomely.
| Driver's Age | |
|---|---|
| teens | $542 |
| 20s | $242 |
| 30s | $182 |
| 40s | $210 |
| 50s | $208 |
| 60s | $149 |
| 70s | $175 |
| 80s | $176 |
| Driving History | |
|---|---|
| No Violation | $209 |
| Speeding Ticket | $239 |
| At-Fault Accident | $289 |
| Failure to Stop for Red Light / Stop Sign | $239 |
It’s always smart to maintain a clean driving record as best as you can, particularly in Bowling Green, as some moving violations can cause your rates to soar. Most drivers pay around $208 for coverage, but getting a speeding ticket or failing to stop at an intersection can inflate prices to $239 and $238, respectively. The most expensive hit to your driving record comes with an at-fault accident, as rates tend to reach an average of $288.
Aiming to improve your credit can pay dividends, especially when it comes to your car insurance premiums. Drivers with poor credit find their rates at an average of $245, while those with average or good credit pay around $199 and $208, respectively. Motorists enjoy significant cost savings once their credit reaches the excellent tier, saving an average of $58 compared to residents in the lowest credit bracket.
| Credit Tie | |
|---|---|
| Excellent | $188 |
| Good | $209 |
| Average | $200 |
| Poor | $246 |
There are two Warren County outposts located in Bowling Green, one that handles driver’s licenses and another that handles registration and titling. When you renew your registration in Bowling Green, you’ll need to bring proof of insurance. Fortunately, it’s easy to get coverage online if you don’t already have it. You can use Insurify to compare customized quotes and apply for the policy with the lowest premium for the coverage you need.
Bowling Green provides fixed-route transit service, but options are limited, and less than 0.5 percent of residents use the service. About 91 percent of residents drive to work, commuting an average of 17 minutes to get there. The average household has two cars. Uber and Lyft operate in Bowling Green, and there are a couple of taxi services for getting around town, but most people rely on their cars for errands and commuting.
In Kentucky, you need bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, in addition to $25,000 in property damage liability coverage per accident. Without insurance coverage that meets the requirements, you could face a fine of up to $1,000 and 90 days in jail.
Don’t be one of the estimated 11.5 percent of Bowling Green residents to drive uninsured. Not only do you risk jail time by driving without insurance, but you also put your finances at risk in the event of an accident. You can find an affordable premium for liability or comprehensive coverage by comparing rates with Insurify. It’s quick, painless, and sure to save you money on car insurance.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bowling Green drivers measure up to their fellow Kentucky motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bowling Green drivers rank 5 in the number of car accidents per driver across all cities in Kentucky.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Bowling Green drivers rank 9 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bowling Green drivers rank 18 in the number of DUI’s per driver across all cities in Kentucky.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bowling Green is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Bowling Green drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bowling Green drivers rank 14 in clean driving records across all cities in Kentucky.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bowling Green drivers rank 3 in failure to yield violations per driver across all cities in Kentucky.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Bowling Green drivers rank 1 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bowling Green drivers rank 9 in hybrid and electric vehicle ownership across all cities in Kentucky.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
