Best Cheap Auto Insurance in Owensboro, Kentucky (2025)

Progressive offers the cheapest liability rates in Owensboro at $70 per month.

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Cheapest recent rates near Owensboro, Kentucky

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $76/mo for full coverage in Owensboro and other Kentucky cities.

*Quotes generated for Insurify users in and around Owensboro, Kentucky within the last 10 days. Last updated on October 7, 2025. 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 October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Owensboro, Kentucky within the last 10 days. Last updated on October 7, 2025. 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 October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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If you’re tired of paying too much for car insurance in Owensboro, KY, look at Progressive, National General, and Auto-Owners — they offer the cheapest overall rates. With an average cost of $122 per month, drivers in the Bluegrass Music Capital of the World pay less than the national monthly auto premium average of $140.

However, car insurance quotes depend on more than just your location. Every detail counts, from your driving history to the make and model of your vehicle — even your age and gender. Read on to uncover the best options for cheap car insurance in Owensboro.

Quick Facts
  • Kentucky's no-fault law influences your legal options after accidents.

  • Traffic violations can lead to higher auto rates, though affordable options are available.

  • Drivers with poor credit can pay nearly twice as much as ones with excellent credit.

Cheapest car insurance companies in Owensboro

Auto-Owners Insurance, State Farm, and Travelers are the best car insurance companies in Owensboro. Keep in mind that the best company for you depends on your unique circumstances. Your driving history, insurance coverage needs, and personal preferences all play a vital role in choosing an insurer.

Insurance Company
sort ascsort desc
Best For 
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Average Monthly Quote: Liability Only 
sort ascsort desc
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.
sort ascsort desc
Auto-Owners Liability-only coverage$150$1038.2
State FarmDrivers with a DUI$215$1489.3
TravelersTeen drivers$518$3538.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

Cheapest liability-only coverage: Auto-Owners Insurance

Auto-Owners logo
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.
$83/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.
$121/mo
4.3
Best choiceBased on 233 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (135)
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Ronald
Verified Review
I Hate Insurance Companies
Reviewed in Pennsylvania on October 2025
The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
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 is a reliable choice with a reputation for low rates and superior service. It has the cheapest liability-only car insurance in Owensboro. Plus, the company operates offices in the Apollo neighborhood, the Northwest and Old Owensboro areas, and in Midtown East.

The insurer has an Insurify Quality (IQ) Score of 8.2 out of 5, indicating a solid reputation within the insurance industry.

Pros
  • High customer satisfaction

  • Multiple discounts

Cons
  • Not available nationally

Cheapest for drivers with a DUI: State Farm

State Farm logo
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.
$86/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
4.1
Best choiceBased on 11,820 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
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 is the most cost-effective choice for drivers in Owensboro with a DUI on their record. However, it stands out for its personalized approach, thanks to its network of local insurance agents. You’ll find three State Farm agents near the heart of downtown, while two more are further south near the Owensboro Bypass.

With an IQ Score of 9.3, State Farm rates well for customer satisfaction and financial strength as well.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Best insurer for teen drivers: Travelers

Travelers logo
User Reviews
4.7
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.
8.5 /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.
$139/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.
$204/mo
4.7
Best choiceBased on 944 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (483)
Alan
Verified Review
Don't insure with Travelers!
Reviewed in Kansas on October 2025
Travelers increased my homeowner's premium by $1,800 over a 2-year period and doubled the deductible for wind/hail coverage, even though no claims were ever made or paid with Travelers.
Karen
Verified Review
Undisclosed Price Increase
Reviewed in Wisconsin on October 2025
I just received an email saying they were raising my coverage for 6 months by $445. It just said changes were made, with no new policy or pricing details attached. They plan to take the money out of my account over a month in advance. That is very poor customer communication. I am shopping for new car insurance and not paying for a price increase without a reason why.
Anna
Verified Review
Traveler’s is great!
Reviewed in Texas on October 2025
The agent makes a big difference. I’m happy with mine.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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

Out of Owensboro’s leading insurers, Travelers has the highest number of local agents available for personalized assistance. Most of the 12 local agents are along Route 2831, but one is near Dermont, and three are across the Glover Cary Bridge in Indiana. Travelers is also one of the largest insurers in the U.S. and has competitive rates, including the best prices for teen drivers.

With an IQ Score of 8.5, you can expect great customer service from Travelers.

Pros
  • Accident forgiveness available

  • Offers discount for hybrid and electric cars

  • A++ (Superior) financial strength rating from AM Best

Cons
  • Rideshare coverage not available in all states

  • High number of negative customer reviews with the Better Business Bureau

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

Find Car Insurance in Owensboro, Kentucky

Find liability rates as low as $70/month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How to get the cheapest car insurance in Owensboro

Your age, location, vehicle choice, credit history, driving record, and discount eligibility all heavily influence the quotes you receive.

Here are a few tips for finding the cheapest Owensboro car insurance:

  • Shop around. Different insurance companies offer varying rates. Comparing car insurance quotes is the easiest (and most effective) way to save money.

  • Be a safe driver. A clean driving record can help you qualify for the lowest rates.

  • Ask for discounts. Insurance companies offer various discounts. Ask what you might be eligible for to lower your premiums.

  • Increase your deductible. If you can afford a higher out-of-pocket expense when filing a claim, selecting a higher deductible can lower your premiums.

  • Improve your credit score. Kentucky auto and home insurance companies can use your credit score as the sole factor in determining your premiums. Maintaining a good credit score can help you secure more favorable rates.

Cheapest liability-only car insurance in Owensboro: Progressive

Liability-only car insurance in Owensboro is an option for drivers who want to keep their premiums low,” says Dave Conway, co-founder at sustainable transport website EcoMotionCentral. “This type of insurance only covers the costs of damage to other people and their property, but not the driver's own vehicle.”

Drivers in Owensboro typically pay $95 for liability coverage. Below, you can see the average monthly quotes offered by insurers throughout the Owensboro area.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
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Average Monthly Rate
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Progressive$70
National General$74
Auto-Owners$83
State Farm$86
Direct Auto$88
Root$89
Safeco$95
GEICO$98
USAA$106
Bristol West$117
CSAA$121
Allstate$125
Dairyland$128
State Auto$128
Travelers$139
The General$140
Liberty Mutual$153
Nationwide$183
Shelter$225
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Owensboro: Auto-Owners

Liability-only car insurance covers damages you cause to others, while full-coverage insurance also protects your own vehicle. It covers theft, damage from incidents like fire or flooding, and collisions. Since it offers more protection, full coverage is best if you have a newer or more valuable car.

On average, drivers in Owensboro pay $149 per month for full-coverage insurance.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Rate
sort ascsort desc
Auto-Owners$121
Progressive$124
National General$125
State Farm$126
Safeco$131
Direct Auto$131
GEICO$142
CSAA$145
Root$152
USAA$155
Allstate$183
State Auto$187
Travelers$204
Liberty Mutual$209
Bristol West$238
The General$242
Dairyland$259
Nationwide$269
Shelter$330
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Owensboro, Kentucky

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $76/mo for full coverage in Owensboro and other Kentucky cities.

*Quotes generated for Insurify users in and around Owensboro, Kentucky within the last 10 days. Last updated on October 7, 2025. 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 October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Owensboro, Kentucky within the last 10 days. Last updated on October 7, 2025. 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 October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Kentucky

Kentucky’s no-fault law, enacted in 1975, limits who can file a lawsuit following a car accident. It also requires Owensboro drivers to have minimum liability insurance coverage and personal injury protection (PIP), which can pay for medical expenses, lost wages, and related expenses.

Coverage
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Minimum Requirements
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Bodily injury liability$25,000 per person, $50,000 per accident
Property damage liability$25,000 per accident
Personal injury protection (PIP)$10,000

You might also consider these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision insurance

    This takes care of damages to your own car following a collision with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive insurance

    This coverage goes beyond collisions, protecting against damages such as theft, vandalism, fire, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Underinsured motorist insurance

    This steps in to protect you if you’re in an accident with a driver who doesn’t have insurance or falls short on coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

    This helps pay for the cost of renting a vehicle while yours is in the shop for a covered claim.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    This coverage bridges the “gap” between the amount you owe on your vehicle loan or lease and the amount the insurance company pays out following a total loss.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Custom equipment coverage

    This covers customized or aftermarket equipment you add to your vehicle, such as sound systems or specialized rims.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    New-car replacement

    This additional protection for brand-new vehicles reimburses you for the cost of replacing your car after a total loss.

Cheapest car insurance for drivers with an incident

Insurance companies see drivers with an incident as wild cards on the road and charge more to offset the increased risk. “At-fault accidents, speeding tickets, and DUIs can increase car insurance rates in Owensboro,” says Conway.

In Owensboro, a speeding ticket or at-fault accident can increase premiums by 30% to 40%, while a DUI can cause rates to jump by 99%.

Find Incident Rates in Owensboro, Kentucky

Drivers with an incident can find rates as low as $84/month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

Even with a speeding ticket, finding cheap car insurance in Owensboro is possible. With an average premium of $86, Progressive is the lowest cost for drivers with speeding tickets. You may be able to get a discount by taking a defensive driving course to offset the higher cost of insurance.

Here’s a look at how other insurers stack up for drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$70$86
National General$74$91
Auto-Owners$83$105
State Farm$86$106
Direct Auto$88$109
Root$89$116
Safeco$95$123
GEICO$98$126
USAA$106$133
Bristol West$117$145
CSAA$121$148
Allstate$125$157
Dairyland$128$158
State Auto$128$165
Travelers$139$176
The General$140$184
Liberty Mutual$153$190
Nationwide$183$231
Shelter$225$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Drivers with an accident generally find the cheapest car insurance from Progressive in Owensboro for $92 per month. Comparing companies is important, since the most expensive options cost nearly three times the price of the cheapest insurers.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With At-Fault Accident
sort ascsort desc
Progressive$70$92
National General$74$97
Auto-Owners$83$107
State Farm$86$111
Direct Auto$88$119
Root$89$115
Safeco$95$132
GEICO$98$123
USAA$106$139
Bristol West$117$153
CSAA$121$168
Allstate$125$163
Dairyland$128$168
State Auto$128$170
Travelers$139$183
The General$140$191
Liberty Mutual$153$201
Nationwide$183$241
Shelter$225$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

Finding affordable car insurance can be challenging for drivers with a DUI on their record. Most quotes are double what you’d pay with a clean driving history. But, drivers with a DUI on their record can still find affordable coverage. Progressive offers the cheapest rates for drivers with a DUI at $91 per month.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$70$91
National General$74$102
Auto-Owners$83$114
State Farm$86$119
Direct Auto$88$121
Root$89$120
Safeco$95$141
GEICO$98$131
USAA$106$146
Bristol West$117$161
CSAA$121$167
Allstate$125$172
Dairyland$128$177
State Auto$128$177
Travelers$139$192
The General$140$193
Liberty Mutual$153$211
Nationwide$183$252
Shelter$225$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: National General

Senior drivers tend to pay the least among all age groups for car insurance in Owensboro. However, more than 10% of older adults also live below the poverty level, according to the Congressional Research Service.

“Many car insurance companies offer discounts for drivers over 55 who have taken defensive driving courses,” says Conway. “Additionally, seniors may be able to find more affordable car insurance by increasing their deductibles.”

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
National General$57$97
Progressive$59$104
Auto-Owners$66$96
State Farm$67$98
Direct Auto$70$104
Root$74$127
GEICO$77$112
Safeco$82$114
USAA$86$125
CSAA$93$112
Bristol West$96$195
State Auto$97$142
Allstate$101$148
Dairyland$104$210
Travelers$110$161
The General$115$199
Liberty Mutual$127$173
Nationwide$139$204
Shelter$159$234
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Due to their inexperience and riskier driving behavior, teen drivers are some of the most expensive drivers to insure. For cheap car insurance for teens in Owensboro, Progressive, where the average monthly premium is just $131.

To secure lower premiums for young drivers in Owensboro, stay on your parents’ insurance policy to take advantage of the multi-vehicle discount. A safe car with features like collision warning and airbags can also help you save money, and you can often qualify for a good student discount if you maintain a B average (or better) in school.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Progressive$131$232
National General$152$257
Root$157$268
Auto-Owners$162$236
State Farm$167$245
Direct Auto$175$260
GEICO$179$259
Safeco$191$264
USAA$198$289
CSAA$209$251
Bristol West$212$431
Dairyland$215$436
The General$246$425
Allstate$249$365
Liberty Mutual$274$374
Travelers$286$419
State Auto$314$458
Nationwide$360$530
Shelter$456$669
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Owensboro, Kentucky

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Owensboro car insurance quotes by credit tier

Kentucky insurers can use credit-based insurance scores to determine whether to issue new policies or renew existing ones and also to set premium rates. On average, drivers with poor credit pay 71% more for car insurance than those with good credit and almost double the amount paid by drivers with excellent credit.

Rates by credit tier

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 Owensboro?

On the whole, no. Car insurance rates in Owensboro are less expensive than the state average, with drivers paying $122 compared to the state average quote of $151.

However, drivers in other Kentucky cities aren’t so lucky. Costs can vary as much as 77% between ZIP codes, based on a range of local factors, including traffic density, crime rates, and vehicle costs.

More cities in Kentucky

Comparing car insurance rates in other cities to Owensboro shows how much more affordable Owensboro is. Drivers in the capital city Louisville pay significantly more than Owensboro drivers.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Bowling Green$143
Elizabethtown$142
Lexington$149
Louisville$223
Paducah$145
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Owensboro car insurance FAQs

If you’re looking for more information to find the best rates on car insurance in Owensboro, this additional information may help.

  • How much is car insurance in Owensboro?

    Car insurance in Owensboro is fairly cheap at $149 per month for full coverage, and $95 per month for liability coverage.

  • Who has the cheapest car insurance in Owensboro?

    For liability coverage, Progressive, National General, and Auto-Owners offer the cheapest coverage at $70, $74, and $83 respectively.

    For cheap full-coverage insurance, look to Auto-Owners, Progressive, and National General at $121, $124, and $125 respectively.

  • What are the best car insurance companies in Owensboro?

    The top insurers in Owensboro include Auto-Owners Insurance, State Farm, and Travelers. Auto-Owners has an IQ Score of 8.2 and has received few complaints through the NAIC. State Farm has an IQ Score of 9.3 and high customer satisfaction scores on J.D. Power. Finally, Travelers has an IQ Score of 8.5 and saw no NAIC complaints filed from 2020 to 2022.

  • Is car insurance cheaper with two cars?

    Sort of. If you have two vehicles to insure, you’ll pay more in premiums than if you were insuring only one vehicle. However, many insurers offer multi-vehicle discounts. This allows you to insure both your vehicles for a lower rate than you’d pay if you insured each individually.

  • What comes first: Buying a car or getting car insurance?

    Get car insurance first. If you purchase a new car, you’ll first need to have insurance to drive it. Once you determine the vehicle you’re going to buy, you can seek a policy that works for you.

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 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
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 Beardsley
Amy BeardsleyInsurance Writer

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.

Amy has been a contributor at Insurify since September 2023.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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