Cheapest Auto Insurance in Henderson, Kentucky (2026)
Progressive offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $62 per month.
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Home to about 27,700 residents, Henderson is a picturesque town on the banks of the Ohio River in northern Kentucky.[1] Henderson drivers pay an overall average of $153 per month for car insurance, which is similar to the Kentucky average of $157 per month.
Drivers in northern Kentucky, including in Henderson, may face more expensive rates than the national average of $142 due to the prevalence of tornadoes in the area. Though not technically in Tornado Alley, northern Kentucky can experience severe tornadoes and outbreaks.[2]
You can find the best rates for your driving situation by shopping around for quotes from multiple insurers. Here’s what you should know about locking in cheap auto insurance premiums as a Henderson resident.
Quick Facts
Because Kentucky is a choice no-fault state, drivers can opt out of the state’s required basic personal injury protection (PIP) coverage.[3]
On average, Henderson drivers pay $190 per month for full-coverage car insurance and $116 per month for liability-only car insurance.
Progressive is the cheapest full-coverage car insurance company in Henderson, with rates starting at $101 per month.
3 of the cheapest car insurance companies in Henderson
The best car insurance company for you will vary based on your unique situation. Some key factors that affect which insurer will work best for you include your driving record, location, age, and vehicle type.
Below, you can look at a few top insurers in Henderson to start your search. But it’s still important to shop around and get quotes from multiple insurance companies.
Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $126 | $75 | Cheap rates |
| State Farm | 9.3 | $131 | $79 | Families |
| National General | 7.0 | $195 | $105 | High-risk drivers |
Disclaimer: Table data is based on real-time Henderson quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $74/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. | $126/mo |
4.3
Best choice in Henderson, KYBased on 357 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Henderson for
Showing recent national reviewsSee all 155 Auto-Owners reviews
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
Verified Review
Reviewed in Florida on July 30, 2026
Good. I never had to file a claim.
Verified Review
Reviewed in South Carolina on July 24, 2026
It’s expensive, but claims are handled quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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++
Why we picked this company
Auto-Owners has been in business since 1916. With a top AM Best rating and relatively high marks for customer satisfaction, this company has a lot to offer drivers. A long list of discounts, like bundling and paying in full, can help you tap into even more affordable options.
Pros
Above-average J.D. Power customer satisfaction rating
A++ (Superior) AM Best rating
Cons
You might need to finalize your quote with an insurance agent
Offers other insurance products, like life insurance and home insurance
Best insurer for families: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $77/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. | $130/mo |
4.1
Best choice in Henderson, KYBased on 20,658 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Henderson for
Showing 49 Kentucky reviews for Henderson driversSee all 8,020 State Farm reviews
Verified Review
Reviewed in Kentucky on August 21, 2026
I loved the ladies at the Pikeville, KY State Farm office. They were the best. They always talked to me and helped me with anything I needed that they could possibly do. I hated to switch because they were so nice, but I saved over $100 a month.
Verified Review
Reviewed in Kentucky on August 15, 2026
They were good. They just aren’t great at checking offers from other companies and trying to match them or offer better deals.
Verified Review
Reviewed in Kentucky on July 28, 2026
I haven't had any problems, but the premium is just too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Why we picked this company
State Farm offers families in Henderson some of the most affordable rates on the market. The company has a financial strength rating of A++ (Superior) from AM Best and high customer satisfaction ratings. A suite of discounts available for young drivers makes this insurer a great option for families.
Pros
Above-average J.D. Power customer satisfaction rating
Discounts available
Cons
No gap insurance
Has some negative online customer reviews
Best insurer for high-risk drivers: National General
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| 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. | $75/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. | $128/mo |
3.7
A solid option in Henderson, KYBased on 1,505 verified driver reviews and ratings
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
Based on analysis of verified reviews collected by Insurify
Best in Henderson for
Showing 3 Kentucky reviews for Henderson drivers
Verified Review
Reviewed in Kentucky on March 14, 2026
The price is way too high for an almost 20-year-old car.
Verified Review
Reviewed in Kentucky on February 14, 2026
Be cautious about getting pulled over or being involved in an accident, and pay attention to the district or area in the city where you live. Redlining still exists.
Verified Review
Reviewed in Kentucky on September 19, 2025
They are one of the most inexpensive insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
602
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
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+
Why we picked this company
National General offers some of the cheapest rates for drivers looking for affordable liability-only policies. But the company has plenty of other insurance coverage options to choose from, including comprehensive, collision, towing, and rental car.
Pros
Offers emergency expense allowance to cover expenses if you find yourself stranded
Cheapest average coverage in Henderson
Cons
Below-average J.D. Power customer satisfaction rating
Large number of online complaints
How to get the cheapest car insurance in Henderson
Car insurance is an unavoidable cost for drivers, but you can lower your costs in a few different ways. Consider the following options to earn cheaper rates:
Increase your deductible. A higher insurance deductible usually translates to a lower insurance premium. If you have the money to afford a higher deductible, this is a useful option.
Shop around. Comparing rates across multiple insurance companies can help you find the best coverage for you at the right price.
Seek out discounts. Many insurance companies offer discounts for safe driving, installing safety features, bundling policies, and more. It never hurts to ask the insurance company if you qualify for a discount.
Shop for Cheap Henderson Car Insurance Online
Liability-only rates start at $62/mo.
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Cheapest liability-only car insurance in Henderson: Progressive
Liability car insurance includes protection for property damage and bodily injury you cause the other driver and their passengers during an accident. This type of insurance doesn’t cover any of your medical expenses or vehicle repair costs.
Though liability-only auto insurance is typically the most affordable auto coverage, you can face significant out-of-pocket expenses after an accident without more robust coverage.[4]
The average cost of liability coverage in the city is $116 per month. Here are some of the cheapest car insurance options for liability coverage in Henderson.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $62 |
| Auto-Owners | $74 |
| National General | $75 |
| State Farm | $77 |
| Direct Auto | $86 |
| GEICO | $87 |
| Safeco | $91 |
| USAA | $95 |
| Root | $107 |
| Allstate | $113 |
| The General | $114 |
| State Auto | $115 |
| Trexis | $117 |
| Dairyland | $123 |
| Travelers | $125 |
| Bristol West | $126 |
| Liberty Mutual | $126 |
| Trexis One | $143 |
| Hugo | $155 |
| Shelter | $202 |
| Insurify Car | $219 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Henderson: Progressive
Drivers looking for more financial protection should consider purchasing a full-coverage car insurance policy. In addition to liability coverage, this type of auto insurance includes both collision and comprehensive coverages.
After an accident or incident, a full-coverage policy can help you pay to repair or replace your vehicle. Most auto lenders require you to carry this coverage if you have an auto loan. Drivers with new or expensive vehicles should also consider purchasing this coverage.
The average cost of full coverage in the city is $190 per month. Here are some of the cheapest full-coverage insurance options for Henderson drivers.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $101 |
| Auto-Owners | $126 |
| National General | $128 |
| Safeco | $129 |
| State Farm | $130 |
| Direct Auto | $133 |
| CSAA | $147 |
| GEICO | $147 |
| USAA | $161 |
| Root | $167 |
| Liberty Mutual | $188 |
| Allstate | $190 |
| State Auto | $193 |
| Trexis | $203 |
| Travelers | $211 |
| Bristol West | $251 |
| The General | $263 |
| Trexis One | $268 |
| Dairyland | $280 |
| Shelter | $342 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Henderson, Kentucky drivers
Recent Henderson, Kentucky car insurance prices for Honda, Lexus, Toyota, and more.
*Quotes generated for Insurify users in and around Henderson, Kentucky within the last 10 days. Last updated on August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Henderson, Kentucky within the last 10 days. Last updated on August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
It’s illegal to operate a vehicle on a public road in Kentucky without a minimum amount of bodily injury and property damage liability insurance.[5] The state also requires basic personal injury protection (PIP) coverage, which pays up to $10,000 for medical expenses and $200 per week for lost wages following an accident.
Because Kentucky is a choice no-fault state, drivers have the option to reject the state’s basic PIP coverage in writing to the Department of Insurance. You then can’t receive any PIP benefits, and others can sue you for injuries in some cases.
Find the state’s specific minimum requirements below:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 per accident |
You may decide you need coverage beyond the minimum requirements. Here are some of the most common optional coverages to consider:
Collision coverage
After an accident, collision coverage can help you pay to repair or replace your vehicle. This coverage kicks in regardless of fault.
Comprehensive coverage
If a non-collision incident occurs, comprehensive insurance will cover some costs to repair or replace the vehicle. Some common incidents include fire, vandalism, theft, severe weather, and more.
Roadside assistance coverage
Specific covered services may vary by insurer, but roadside assistance coverage typically includes assistance for towing, lockout, tire replacement, jump-starts, gas delivery, winching, and more.
Cheapest car insurance for drivers with an incident
Having driving incidents on your record — including speeding tickets, driving under the influence charges, and at-fault accidents — can cause insurance companies to treat you as a high-risk driver, depending on the severity and frequency of your violations. Most insurance companies charge high-risk drivers more expensive premiums than people with a clean record.[6]
Find Car Insurance in Henderson After an Accident
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Cheapest car insurance for drivers with a speeding ticket: Progressive
If you get a speeding ticket, you’ll typically need to pay a fine for your citation. But you may also face higher rates for car insurance. A single speeding ticket shouldn’t affect your premiums significantly. The amount your premium increases can depend on the severity of the incident and whether you have existing violations on your driving record.
Henderson drivers pay an average of $147 per month for liability insurance if they have a speeding ticket. Here are some of the average monthly auto insurance quotes offered by Kentucky insurance companies to drivers with a speeding ticket.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $62 | $78 |
| National General | $75 | $94 |
| Auto-Owners | $74 | $97 |
| State Farm | $77 | $98 |
| Direct Auto | $86 | $109 |
| GEICO | $87 | $115 |
| Safeco | $91 | $120 |
| USAA | $95 | $123 |
| Root | $107 | $128 |
| Allstate | $113 | $143 |
| Trexis | $117 | $148 |
| State Auto | $115 | $153 |
| Dairyland | $123 | $153 |
| The General | $114 | $154 |
| Bristol West | $126 | $160 |
| Liberty Mutual | $126 | $162 |
| Travelers | $125 | $163 |
| Trexis One | $143 | $181 |
| Hugo | $155 | $196 |
| Shelter | $202 | $268 |
| Insurify Car | $219 | $277 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
If you cause an accident, insurance companies consider you a higher-risk driver, which can lead to higher insurance premiums. Drivers with a past at-fault accident typically pay more for coverage than someone with a single speeding ticket or a clean record.
Henderson drivers pay an average of $154 per month for liability insurance if they have an accident on their records. Here are some of the cheapest auto insurers in Henderson for drivers with an at-fault accident.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $62 | $83 |
| Auto-Owners | $74 | $99 |
| National General | $75 | $100 |
| State Farm | $77 | $103 |
| GEICO | $87 | $116 |
| Direct Auto | $86 | $118 |
| Safeco | $91 | $127 |
| USAA | $95 | $129 |
| Root | $107 | $135 |
| Allstate | $113 | $150 |
| Trexis | $117 | $156 |
| The General | $114 | $157 |
| State Auto | $115 | $159 |
| Dairyland | $123 | $163 |
| Bristol West | $126 | $168 |
| Liberty Mutual | $126 | $168 |
| Travelers | $125 | $170 |
| Trexis One | $143 | $190 |
| Hugo | $155 | $206 |
| Shelter | $202 | $278 |
| Insurify Car | $219 | $292 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence can have serious consequences. In 2019, 150 people in Kentucky died as a result of alcohol-impaired driving, according to the Responsibility.org National Drunk Driving Statistics Map.[7] Due to the severity and recklessness of the violation, people with a DUI on their driving record face much higher insurance rates than other drivers.
Henderson drivers pay an average of $145 per month for liability insurance if they have a DUI on their records. Here are the average monthly quotes for drivers with a DUI from some auto insurers in Henderson.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $62 | $77 |
| Auto-Owners | $74 | $94 |
| National General | $75 | $100 |
| State Farm | $77 | $103 |
| Direct Auto | $86 | $115 |
| GEICO | $87 | $117 |
| USAA | $95 | $127 |
| Safeco | $91 | $134 |
| Allstate | $113 | $141 |
| Root | $107 | $143 |
| Trexis | $117 | $146 |
| State Auto | $115 | $148 |
| The General | $114 | $148 |
| Dairyland | $123 | $164 |
| Travelers | $125 | $167 |
| Bristol West | $126 | $168 |
| Liberty Mutual | $126 | $168 |
| Trexis One | $143 | $178 |
| Hugo | $155 | $193 |
| Shelter | $202 | $273 |
| Insurify Car | $219 | $273 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
When insurers determine your insurance costs, several factors come into play, including your age. Mature drivers with years of experience on the road tend to pay gradually less for car insurance starting between ages 25 and 35. The trend typically lasts until drivers reach age 70. Drivers older than 70 may face higher rates as a result of aging-related risk factors.
Senior drivers in Henderson pay an average of $101 per month for liability coverage and $165 per month for full coverage. Although senior drivers tend to pay a little bit more for car insurance, shopping around for car insurance can help you find the cheapest average quotes for your situation.
Explore the average monthly quotes by insurance company for senior drivers in Henderson below.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Progressive | $88 | $54 |
| Auto-Owners | $100 | $59 |
| National General | $101 | $59 |
| State Farm | $102 | $61 |
| Direct Auto | $109 | $71 |
| Safeco | $113 | $79 |
| GEICO | $117 | $69 |
| USAA | $131 | $77 |
| State Auto | $146 | $87 |
| Root | $154 | $99 |
| Liberty Mutual | $156 | $105 |
| Allstate | $165 | $98 |
| Travelers | $169 | $100 |
| Trexis | $176 | $102 |
| Bristol West | $210 | $105 |
| The General | $224 | $97 |
| Trexis One | $233 | $124 |
| Dairyland | $238 | $105 |
| Shelter | $246 | $145 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Because teen drivers lack driving experience and demonstrate riskier driving behavior, they face some of the highest car insurance premiums of any age group. Teen drivers in Henderson pay an average of $195 per month for liability coverage and $320 per month for full coverage.
You may have to pay more for coverage as a teen driver, but you can keep your car insurance costs down by shopping around, maintaining good grades, joining your parents’ existing insurance policy, and selecting a higher deductible.[8]
Here are some of the cheapest average monthly quotes for teen drivers in Henderson.
The below rates in Henderson, KY, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Progressive | $170 | $104 |
| Root | $240 | $154 |
| State Farm | $242 | $143 |
| National General | $244 | $143 |
| Auto-Owners | $245 | $144 |
| Direct Auto | $249 | $161 |
| Safeco | $253 | $179 |
| GEICO | $255 | $151 |
| USAA | $283 | $167 |
| Liberty Mutual | $315 | $211 |
| Allstate | $320 | $190 |
| Trexis | $342 | $197 |
| Travelers | $421 | $249 |
| Bristol West | $425 | $214 |
| State Auto | $447 | $266 |
| Trexis One | $451 | $241 |
| The General | $456 | $198 |
| Dairyland | $465 | $204 |
| Shelter | $653 | $386 |
Disclaimer: Table data sourced from real-time Henderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Henderson may vary based on the policy buyer's unique driver profile.
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Henderson car insurance quotes by credit tier
In Kentucky, insurance companies can consider your credit history when determining premiums. Drivers with excellent or good credit scores generally pay less for car insurance than drivers with poor credit scores.
Henderson drivers looking to improve their credit score can start by making all bill payments on time and paying off any high-interest debt. With time, an improved credit score might lead to savings on your insurance premium.
Here’s what Henderson drivers pay for full-coverage car insurance based on their credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $164 |
| Good | $194 |
| Fair | $214 |
| Poor | $320 |
Is car insurance more expensive in Henderson?
The average cost of a full-coverage auto insurance policy in Henderson is $190 per month, which is less than the national average of $187 per month.
In general, cities with more traffic and higher crime rates see higher insurance premiums than rural areas or cities with less traffic congestion and a lower population density. Drivers in Henderson may also pay higher rates because northern Kentucky faces tornadoes on a fairly regular basis.
More cities in Kentucky
If you live in a different part of Kentucky, you can likely expect different auto insurance costs than you’d receive in Henderson. Here’s a look at some of the average quotes for other cities in Kentucky and how they compare to Henderson.
City | Full Coverage | Liability Only |
|---|---|---|
| Bowling Green | $187 | $115 |
| Elizabethtown | $187 | $118 |
| Florence | $174 | $106 |
| Lexington | $190 | $121 |
| Louisville | $279 | $198 |
| Madisonville | $198 | $97 |
| Owensboro | $179 | $106 |
| Paducah | $194 | $118 |
| Richmond | $179 | $115 |
Disclaimer: Table data is based on real-time Henderson quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Henderson, Kentucky, car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Henderson, Kentucky.
How much is car insurance in Henderson, Kentucky?
On average, Henderson drivers pay $190 per month for full-coverage car insurance and $116 per month for liability-only car insurance.
What are the best car insurance companies in Henderson?
With a high Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) AM Best financial strength rating, and high customer satisfaction from J.D. Power, State Farm is the best car insurance company in Henderson. Other top companies include Auto-Owners and GEICO.
What are the cheapest car insurance companies in Henderson?
Progressive, Auto-Owners, and National General are some of the cheapest car insurance companies in Henderson. These insurers have minimum-coverage rates that start at $62, $74, and $75 per month, respectively.
What type of car insurance is required in Kentucky?
Kentucky drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 per accident in personal injury protection (PIP). But drivers can opt out of PIP in writing to the Department of Insurance.
Is Kentucky a no-fault state?
Yes. Kentucky is a choice no-fault state. This means, in most cases, that the insurer of each driver involved in an accident will cover the cost of resulting medical expenses through PIP coverage, up to a certain threshold. Though Kentucky technically requires drivers to purchase basic PIP coverage, you can choose to reject the coverage and any benefits.
Sources
- United States Census Bureau. "Quick Facts: Henderson city, Kentucky."
- Britannica. "Tornado Alley."
- Kentucky Public Protection Cabinet Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Responsibility.org. "National Drunk Driving Statistics Map."
- Insurance Information Institute. "Auto insurance for teen drivers."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- 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.
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