Cheap Auto Insurance Quotes in Madisonville, KY (2021)

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

Quotes by Top Carriers
Quotes ($/mo)
ProgressiveState FarmTravelersThe General
Monthly $

Cheapest Car Insurance in Madisonville, KY

Here are the cheapest carriers in Madisonville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
KentuckyLouisvilleBowling GreenOwensboroCovingtonMadisonville
Monthly $

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Madisonville, 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. 

Find local Madisonville agents

Riddle Insurance
245 S Main St, Madisonville, KY 42431-2557
Rudd Insurance, Inc.
411 N. Main St., Madisonville, KY 42431
Cole & Durham Insurance Agency, LLC
145 E. Center Street - Suite 1A, Madisonville, KY 42431-2075
Transport Benefit Group Inc
220 Cathlyn Drive, Madisonville, KY 42431
B & B Insurance Agency, Inc.
1822 North Main, Madisonville, KY 42431
Diligent Insurance Group Inc
228 S Main St, Madisonville, KY 42431
Morgan Insurance Services
796 Industrial Ct, Madisonville, KY 42431
Mike Walker - State Farm Insurance Agent
1600 N Main St, Madisonville, KY 42431
American National Insurance
685 W Noel Ave, Madisonville, KY 42431
Kentucky Farm Bureau Insurance Hopkins County - Center St
463 E Center St, Madisonville, KY 42431

Insurify Insights: How Madisonville Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Madisonville, KY
suspended licenses
Cities with Most
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 Madisonville 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 Madisonville

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. Madisonville drivers rank 15 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #15
  • Percent of drivers in Madisonville with an accident: 9.58%
  • Drivers in Madisonville, KY with an accident in their driving history paid on average 58.18% more than drivers with a clean record

Speeding Madisonville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Madisonville drivers rank 20 in the number of speeding infractions per driver.

  • Rank within state: #20
  • Percent of drivers in Madisonville with a speeding ticket: 7.49%
  • Drivers in Madisonville, KY with a speeding ticket in their driving history paid on average 47.88% more than drivers with a clean record

DUI/DWIs Madisonville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Madisonville drivers rank 19 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #19
  • Percent of drivers in Madisonville with a DUI: 2.69%
  • Drivers in Madisonville, KY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Madisonville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Madisonville is the Ford F-Series Pickup.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.