Best Cheap Auto Insurance in Bowling Green, Kentucky (2023)
When searching for car insurance in Bowling Green, it’s important to consider factors such as affordable premiums, quick claims processing, and a reputation for fair and transparent practices to ensure peace of mind on the road.
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Owning a car in Bowling Green, Kentucky, means paying for car insurance, which can be expensive. An average full-coverage policy costs $280 a month, which is slightly more than the national average of $253. Although balancing cost-effectiveness with high-quality coverage can be challenging, it’s not impossible.
Each driver’s situation is unique, and the best choice for you depends on various factors, including coverage options, customer service, financial stability, and the quality of claims handling.
Quick Facts
Drivers in Bowling Green, Kentucky, pay nearly 11% more for full-coverage car insurance than the national average.
At $83 per month, Safeco offers the cheapest liability-only coverage in Bowling Green.
The best way to find a policy that meets your budget and coverage needs is to compare quotes from at least three different insurers.
Best car insurance companies in Bowling Green
Bowling Green, Kentucky, has several top insurance companies to choose from. While Travelers is the best option overall, the ideal choice for you depends on your situation and specific needs.
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4.8/5
Insurance Company
Best For
Average Monthly Quote: Liability Only
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Travelers
Overall
N/A
4.3
Progressive
Best value
$155
4.0
Safeco
Most affordable
$83
3.7
The General
Teen drivers
$225
3.4
State Auto
Senior drivers
N/A
3.8
Liberty Mutual
Military members
$155
3.8
Clearcover
Rideshare drivers
$261
3.1
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
Travelers stands out as the best overall car insurance company. It has an exceptional track record in customer service and industry recognition. The company received a below-average number of complaints, based on National Association of Insurance Commissioners (NAIC) data, and it’s in the top 10 for overall customer satisfaction in J.D. Power’s 2023 U.S. Insurance Shopping Study.
Thanks to its wide range of coverage options and outstanding customer service, Travelers has an Insurify Quality (IQ) Score of 4.3 out of 5.
Best cheap car insurance in Bowling Green: Progressive
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$110/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
My premiums continue to increase. I have no tickets and no accidents.
Progressive is one of the best companies for cheap car insurance in Bowling Green, Kentucky. It might not offer the lowest rate, but the company’s blend of affordable and comprehensive coverage makes it an excellent choice for auto insurance that goes beyond the price tag.
With an IQ Score of 4.0, Progressive offers an ideal combination of competitive rates, coverage options, and policyholder perks like special discounts and coupons.
Most affordable car insurance in Bowling Green: Safeco
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$151/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
They are really patient over the phone, and anytime I can change something on my policy online.
Mildred - August 30, 2023
Verified
Concern-free claims processing.
Billy - August 26, 2023
Verified
My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.
For the budget-conscious driver, Safeco is the best choice. It has the cheapest liability-only rate. The company can pass savings on to its customers because it leverages technology and focuses on essential coverage.
Safeco has a 3.7 IQ Score, making it a solid option for car insurance. But the limited selection of discounts and coverages may disappoint some customers.
Best car insurance in Bowling Green for teen drivers: The General
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$233/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$370/mo
Owned by PGC Holdings Corp., an affiliate of American Family Insurance, The General is an provides auto insurance to high-risk drivers and those with poor driving records. The company also sells homeowners, renters, life, pet, and other types of insurance. Available discounts include bundling, good student, multiple drivers, and more. The General has an A+ rating from the Better Business Bureau, and a slightly higher than expected number of complaints with the National Association of Insurance Commissioner’s Consumer Complaints Index. The company also has an A rating from A.M. Best, indicating it’s financially stable.
Pros
Competitively priced options for high-risk drivers or those with violations
SR-22 filing available in most states
Cons
Not available in all states
Mixed reviews for customer service
I can get insurance cheaper by 100 dollars elsewhere.
Robbalee - September 10, 2023
Verified
They are a good company.
Charles - July 11, 2023
Verified
I don't like the plan, but the rest of their plans are too expensive!!! I need full coverage.
The General takes the wheel when it comes to teen car insurance. The company specializes in policies for teens and high-risk drivers, offering coverage options that meet their unique needs.
The company has an IQ Score of 3.4 and offers auto rates below the state average cost.
Best car insurance in Bowling Green for senior drivers: State Auto
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$98/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Ample options for customizing coverages
Numerous discounts available
Cons
Not available in all states
Online quotes and purchasing not available
Their customer service is horrible and slow, and they cost us hundreds of dollars extra in added rental car fees for their delays.
Brandon - June 22, 2023
Verified
No problems
Dave - April 12, 2022
Verified
Received a rate increase without notice on renewal
State Auto shines as the best car insurance for seniors, offering user-friendly packages catering to various price points and needs. Senior drivers can choose essential benefits with the Standard package or upgrade to Protection Plus or AutoXtended Premier for more options.
With an IQ Score of 3.8, State Auto ranks well for customer satisfaction and affordability. It also offers accident forgiveness and nine distinct discounts to help seniors save on auto coverage.
Best car insurance in Bowling Green for military members: Liberty Mutual
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$107/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$191/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
I don’t like talking to a computer. I’m a one-on-one kind of person.
Liberty Mutual is Insurify’s top choice for military members looking for car insurance. Active, retired, or reserve members of the armed forces can take advantage of the company’s military discount to save on premiums.
Liberty Mutual has an IQ Score of 3.8, demonstrating its financial stability and dedication to personalized coverage and support.
Best car insurance in Bowling Green for rideshare drivers: Clearcover
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.1
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$124/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$148/mo
Clearcover is fairly new to the insurance industry, and focuses on a tech-centric approach to customer service. Prospective customers can get a quote online, and current policyholders can access their coverages, make changes, make payments, file claims and more through the company’s mobile app. Clearcover offers traditional liability-only and full-coverage car insurance policies, as well as optional coverages like roadside assistance and alternate transport coverage. A.M. Best has not yet rated the company, but Clearcover gets mixed reviews from customers and has a higher-than-expected number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Mobile app makes it convenient to file claims
Fast claims payment (as little as seven minutes, the company claims)
Cons
Only sells auto insurance, so no bundling discount is available
Not available in all states
The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.
BAYRON - July 23, 2023
Verified
I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.
Clearcover provides convenient access to rideshare insurance. Rideshare drivers can easily add a rideshare endorsement to their policy through the Clearcover app or by contacting customer service.
But it’s important to note that rideshare coverage applies exclusively during period 1 driving, when the rideshare app is on but no ride has been accepted.
How to shop for the best car insurance in Bowling Green
Shopping for car insurance isn’t complicated, but it does require a bit of precision. It’s a little like putting together a puzzle. You need to find the right pieces that fit together — coverage that meets your needs, deductibles that match your budget, and policy limits that provide enough protection.
To get the whole picture, follow these steps:
Figure out your coverage needs. Consider your driving habits, vehicle value, and coverage options you can’t live without, like roadside assistance or rideshare coverage.
Look at different insurance companies. Many companies offer auto insurance in Bowling Green, Kentucky, but they’re not all created equal. Check their financial stability, customer satisfaction ratings, and the range of services they offer.
Compare quotes. Don’t settle for the first offer that comes your way. Shop around by getting quotes from at least three insurers to compare prices and coverage options.
Ask about discounts. Car insurance discounts vary from one company to the next. Ask about discounts to get the best price. A safe driver discount, multi-policy discount, or a discount for your vehicle’s safety features are common ways to save.
Review policy terms and conditions. Don’t sign on the dotted line until you’ve read the fine print. Check the deductibles, coverage limits, and exclusions. You need a policy that covers you when life throws a curveball.
Find Car Insurance in Bowling Green
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How to get the cheapest car insurance in Bowling Green
Insurance companies consider many factors when giving you a quote. Your driving history plays a significant role, with lower premiums often going to drivers with clean records, no accidents, and no traffic violations. Vehicle type, coverage options, and the number of miles you drive each year also affect your rates.
To find cheap car insurance in Bowling Green, KY, follow these tips:[1]
Shop around. Different companies may offer varying rates, so comparing quotes from multiple insurers and exploring your options is important.
Bundle your coverage. If you have home or renters insurance, bundle your car insurance with those policies. You can usually qualify for a steep discount when buying multiple policies from the same insurer.
Maintain a good credit score. Kentucky insurers can use your credit score as a factor in quoting your car insurance coverage.[2] Improving your credit can lead to lower premiums.
Review your coverage often. Over time, your insurance needs will change, so make sure you have the coverage you need. Additionally, you might be able to reduce your premiums by dropping unnecessary coverage or adjusting your deductible.
It’s also helpful to ask about discounts. “Many insurers offer discounts for having multiple policies with them (such as home and auto insurance) or having good driving records,” says Linda Chavez, founder and CEO of Seniors Life Insurance Finder. “Additionally, some companies may offer loyalty discounts for long-term customers or those who pay their premiums in full.”
Liability-only vs. full-coverage insurance in Bowling Green
In Bowling Green, like most areas across the U.S., drivers must carry a minimum amount of liability auto insurance.[3] Liability pays for medical expenses and property damage you might cause to another person.
You might choose liability-only insurance if you’re on a tight budget, own an older vehicle, or don’t drive much. However, full coverage can give you more protection.
Full coverage includes collision and comprehensive coverage. In addition to covering the other person, it pays to repair or replace your car after an accident and covers theft, vandalism, fire, and natural disasters. If you have a new or valuable vehicle, or want more protection, a full-coverage policy makes sense. Your lender may also require full coverage if you’re financing your vehicle.
Here’s a snapshot of the cheapest auto insurance in Kentucky by policy type. Travelers has the cheapest full coverage, but Safeco offers the most affordable liability-only option. Clearcover charges 214% more for liability coverage than Safeco. However, while it has low rates for liability insurance, Safeco’s full-coverage cost is 218% higher.
Insurance Company
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Safeco
$83
$264
Progressive
$155
$193
Liberty Mutual
$155
$256
Bristol West
$217
$293
The General
$225
$374
Clearcover
$261
$237
Travelers
N/A
$188
State Auto
N/A
$216
Midvale Home & Auto
N/A
$352
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Kentucky car insurance rates by driving and accident history
Your driving and accident history can have a significant effect on how much you pay for car insurance.[4] Insurers consider your driving record to be an indicator of your risk level. Multiple traffic violations — such as speeding tickets, driving under the influence, or at-fault accidents — can increase premiums.
The impact can vary depending on the insurance company’s guidelines and policies. The negative effects on your insurance rates can gradually decrease as your driving record improves, resulting in lower rates.
Here’s a look at average monthly quotes for the cheapest car insurance in Kentucky based on driving and accident history.
Insurance Company
Clean Record
At-Fault Accident
With a DUI
Speeding Ticket
Travelers
$188
$268
$374
$252
Progressive
$193
$276
$385
$259
State Auto
$216
$308
$429
$289
Clearcover
$237
$339
$472
$318
Liberty Mutual
$256
$366
$509
$343
Safeco
$264
$377
$525
$354
Bristol West
$293
$419
$583
$393
Midvale Home & Auto
$352
$504
$701
$472
The General
$374
$535
$744
$501
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bowling Green car insurance quotes by credit tier
In Kentucky, insurance companies can use credit scores as a factor when determining rates. But they can’t use your score as the only factor when deciding to cancel or not renew your policy.
Age plays a major role in car insurance costs, particularly for younger drivers. Teens pay 111% more for auto insurance than drivers in their 30s because they have less experience behind the wheel and get into more accidents.[5] Drivers younger than 25 get a slight cost reduction, but motorists in their 40s pay the lowest rates in Bowling Green.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Bowling Green?
Bowling Green’s average car insurance rate is $280, only slightly higher than the national average of $253. However, premiums can be vastly different from one ZIP code to the next.
Owensboro and Lexington drivers pay cheaper rates overall than Bowling Green. Meanwhile, drivers in Louisville spend an average of 49% more for the same type of coverage.
City
Average Monthly Quote
Compared to Bowling Green
Owensboro
$155
-16%
Lexington
$199
-2%
Louisville
$321
49%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
City
Average Monthly Quote
Compared to Bowling Green
Fort Smith
$148
-47%
Albany
$188
-33%
Augusta
$200
-29%
Dallas
$202
-28%
Myrtle Beach
$202
-28%
Pensacola
$249
-11%
Syracuse
$268
-4%
Bronx
$591
+111%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find local Bowling Green agents
The Downs Agency LLC
1203 BROADWAY AVE, Bowling Green, KY 42104
Carr Insurance Agency, Inc.
1532 US 31 By Pass, Bowling Green, KY 42101-3027
The Faulkner Agency
1025 US 31W BYP, Bowling Green, KY 42101
Chas M. Moore Insurance
1007 State Street, Bowling Green, KY 42101-2652
Byers Insurance Group
1733 Campus Plaza Dr #5, Bowling Green, KY 42101
Insurance Specialists
1750 Scottsville Road, Suite 4, Bowling Green, KY 42104
Center of Insurance
1750 Scottsville Road Suite 3, Bowling Green, KY 42104-3350
Shopping for car insurance doesn’t have to be a time-consuming process. Here’s some additional information that may help as you research your insurance options in Bowling Green.
Who has the cheapest car insurance in Bowling Green?
Safeco has the lowest average rates for liability-only coverage in Bowling Green, KY, at $83, while Progressive and Liberty Mutual also offer competitive rates, at $155. Travelers and Progressive are usually the most affordable options for drivers with speeding tickets or accidents.
However, comparing quotes from multiple insurers is the best way to find the cheapest car insurance.
What are Kentucky minimum car insurance requirements?
Vehicle owners in Kentucky must have minimum liability car insurance that includes bodily injury liability coverage of $25,000 per person ($50,000 per accident) and property damage coverage of $25,000. It’s also possible to meet the requirements with a policy that has a single limit of $60,000.
What are the best car insurance companies in Bowling Green?
Travelers is the best car insurance company overall in Bowling Green, KY. It has a 4.3 IQ Score, indicating affordable rates, and has a solid financial stability from A.M. Best. It also earned a spot on J.D. Power’s overall customer satisfaction list.
Safeco and Progressive also rank highly in Bowling Green, offering low premiums, quality coverage, and high IQ Scores.
Is Kentucky a no-fault state?
Yes. Kentucky is a no-fault state for car insurance, but drivers can opt out of no-fault coverage.[6]
If you have no-fault coverage, your own policy pays for medical expenses and other losses regardless of who caused the accident. If you opt out, you may pay higher liability insurance rates because other drivers can sue you if you’re at fault for an accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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