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Cheap Auto Insurance Quotes in Henderson, KY (August 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Henderson, 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 Henderson, KY to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Henderson is $207 per month, or $2484 annually.
  • Car insurance in Henderson is $28 less than the average cost of car insurance in Kentucky.
  • The cheapest car insurance provider in Henderson on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$115
State Farm
$145
Travelers
$166
The General
$213
American Family
$316

Cheapest Car Insurance in Henderson, 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 HendersonQuotes
Allstate$115 /mo
State Farm$145 /mo
Travelers$166 /mo
The General$213 /mo
American Family$316 /mo

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Average Car Insurance Cost

Kentucky Cities
Louisville$273/mo
Bowling Green$155/mo
Owensboro$137/mo
Covington$148/mo
Henderson$191/mo
Kentucky$181/mo
Owensboro
$137
Covington
$148
Bowling Green
$155
Average for KY
$181
Henderson
$191
Louisville
$273
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Kentucky

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 be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Henderson agents

  • Field & Main Insurance Services

    140 N. Main Street,
    Henderson, KY 42420
  • Melton-Daniel Insurance

    414 N Main St,
    Henderson, KY 42420
  • E.J. Mabry Insurance Agency, Inc.

    442 N Elm St,
    Henderson, KY 42420-2932
  • Ford-Hazelwood, LLC

    2111 US HWY 41 N,
    Henderson, KY 42420-2352
  • Latta Insurance Services, Inc.

    140 North Main Street,
    Henderson, KY 42420
  • Henderson Insurance Services, Inc.

    839 North Green Street,
    STE A, Henderson, KY 42420
  • Vaughn Insurance Agency Co.

    315 N. Main Street,
    Henderson, KY 42420-2998
  • Kentucky Farm Bureau Insurance Henderson County - Zion Rd

    3351 Zion Rd,
    Henderson, KY 42420
  • Smithhart Insurance Agency LLC

    133 N Main St,
    Henderson, KY 42420
  • A Plus Insurance Services Of Henderson Inc

    528 N Elm St,
    Henderson, KY 42420
View more

FAQs - Henderson, KY Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Henderson Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Henderson, Kentucky below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Henderson drivers measure up to their fellow motorists across Kentucky in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Impala

Most Popular Car in Henderson

#15

City with the Most Speeding Tickets Rank in Kentucky

#5

City with the Most Moving Violations Rank in Kentucky

#5

City with the Most DUIs Rank in Kentucky

#27

City with the Most Suspended Licenses in Kentucky

  • 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. Henderson drivers rank 3 in the number of car accidents per driver across all cities in Kentucky.

    • Rank within state: #3
    • Percent of drivers in Henderson with an accident: 9.79%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Henderson drivers rank 5 in the number of DUI’s per driver across all cities in Kentucky.

    • Rank within state: #5
    • Percent of drivers in Henderson with a DUI: 3.7%
  • 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, Henderson drivers rank 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Henderson with a reckless driving offense: 0.14%
  • 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, Henderson drivers rank 13 in rude driving infractions.

    • Rank within state: #13
    • Percent of drivers in Henderson with a reckless driving violation: 0.85%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Henderson drivers rank 15 in the number of speeding infractions per driver.

    • Rank within state: #15
    • Percent of drivers in Henderson with a speeding ticket: 7.9%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Henderson drivers rank 33 in clean driving records across all cities in Kentucky.

    • Rank within state: #33
    • Percent of drivers in Henderson with clean record: 18.72%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Henderson drivers rank 5 in hybrid and electric vehicle ownership across all cities in Kentucky.

    • Rank within state: #5
    • Percent of drivers in Henderson with a hybrid/electric vehicle: 0.68%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Kentucky Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022