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Cheap Auto Insurance Quotes in Bowling Green, KY (January 2022)
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Last Updated: January 2022
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.
Car Insurance in Bowling Green, KY
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.
$73
$135
$148
$203
$217
ProgressiveState FarmTravelersThe GeneralLiberty Mutual
See More: Cheap Car Insurance Kentucky
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Cheapest Car Insurance in Bowling Green, KY
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Bowling Green | |
|---|---|
Progressive | $73/mo |
 State Farm | $135/mo |
 Travelers | $148/mo |
 The General | $203/mo |
 Liberty Mutual | $217/mo |
Best Car Insurance in Bowling Green, KY
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Bowling Green. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $248/mo | |
 Safeco | $237/mo | |
Liberty Mutual | $192/mo | |
Travelers | $158/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Louisville | $273/mo |
| Owensboro | $137/mo |
| Covington | $148/mo |
| Richmond | $200/mo |
| Bowling Green | $155/mo |
| Kentucky | $183/mo |
$183
$273
$137
$148
$200
$155
KentuckyLouisvilleOwensboroCovingtonRichmondBowling Green
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Bowling Green, KY Driving Facts
Minimum Car Insurance Requirements in KY
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:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
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.
- $25,000/accident for Property Damage (PD)
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.
- $10,000/person Personal Injury Protection (PIP)
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.
Bowling Green Car Insurance Rates by Driver Age
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 |
Bowling Green Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Kentucky
See More: DUI Car Insurance Kentucky
Bowling Green Car Insurance Rates by Credit Tier
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 |
See More: Bad Credit Car Insurance Kentucky
Bowling Green, KY DMV Information
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.
Public Transportation in Bowling Green, KY
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.
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
Lawton Insurance
812 State Street, Bowling Green, KY 42101-2231
CM Moore Insurance Agency-Bowling Green
1009 State Street, Bowling Green, KY 42101
Education Risk Solutions, LLC
1007 State Street, Bowling Green, KY 42101
Insurify Insights: How Bowling Green Drivers Measure Up
Bowling Green, KY
Suspended Licenses Rank
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.
Accidents in Bowling Green
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.
- Rank within state: #5
- Percent of drivers in Bowling Green with an accident: 10.64%
- Drivers in Bowling Green, KY with an accident in their driving history paid on average 40.31% more than drivers with a clean record
Speeding in Bowling Green
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.
- Rank within state: #9
- Percent of drivers in Bowling Green with a speeding ticket: 8.99%
- Drivers in Bowling Green, KY with a speeding ticket in their driving history paid on average 27.23% more than drivers with a clean record
DUI/DWIs in Bowling Green
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bowling Green drivers rank 1 in the number of DUI’s per driver across all cities in Kentucky.
- Rank within state: #1
- Percent of drivers in Bowling Green with a DUI: 3%
- Drivers in Bowling Green, KY with a DUI in their driving history paid on average 23.04% more than drivers with a clean record
Most Popular Vehicle in Bowling Green
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.
Rude Drivers in Bowling Green
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.
- Rank within state: #9
- Percent of drivers in Bowling Green with a reckless driving violation: 1%
- Drivers in Bowling Green, KY with a reckless driving violation in their driving history paid on average 30.37% more than drivers with a clean record.
Safest Drivers in Bowling Green
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.
- Rank within state: #14
- Percent of drivers in Bowling Green with clean record: 80.51%
Failure to Yield the Right of Way in Bowling Green
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.
- Rank within state: #3
- Percent of drivers in Bowling Green with a failure to yield violation: 0.29%
- Drivers in Bowling Green, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Bowling Green
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.
- Rank within state: #1
- Percent of drivers in Bowling Green with a reckless driving offense: 0.36%
Hybrid/Electric Vehicle Ownership in Bowling Green
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.
- Rank within state: #9
- Percent of drivers in Bowling Green with a hybrid/electric vehicle: 0.67%
How to get the best and cheapest car insurance in Bowling Green, KY
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.
FAQs - Bowling Green, KY Car Insurance
Is Kentucky a no-fault state?
Kentucky is considered a “choice no-fault” state for car insurance. That means that in most cases, drivers rely on their own insurance to cover injuries, regardless of who caused the accident. Drivers aren’t allowed to sue each other unless severe injuries occur. You can opt out of the no-fault system in Kentucky, but you must do so in writing, and this allows other drivers to sue you as well. It’s especially important to maintain car insurance in a no-fault state, since you’ll be on the hook for costs even in accidents you don’t cause.
How much does car insurance in Bowling Green cost?
Car insurance in Bowling Green is relatively affordable compared to the rest of the country. The average premium is $155 per month, which is less than the state and national averages. And some companies are able to offer premiums as low as $73 per month for drivers with a clean record.
Will my credit score affect my premium in Bowling Green?
Yes. People with no credit pay about 52 percent more than people with excellent credit for the same coverage, on average. But every insurer weighs your information a little differently, which is why it’s important to use Insurify to compare customized quotes.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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