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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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If you’re tired of paying too much for car insurance in Owensboro, KY, look at Auto-Owners Insurance, State Farm, and GEICO — they offer the cheapest overall rates. With an average cost of $229 per month, drivers in the Bluegrass Music Capital of the World pay 9% less than the national monthly auto premium average of $253.
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 leads as the best cheap car insurance in Owensboro. Keep in mind that the best insurance 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.
Find Car Insurance in Owensboro, Kentucky
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Based on 3,806+ reviews
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Insurance Company
Best For
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners
Liability-only coverage
$94
$67
4.1
State Farm
Drivers with a DUI
$98
$69
4.4
Travelers
Teen drivers
$128
$75
4.3
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$55/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.
$78/mo
Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.
Pros
High customer satisfaction
Multiple discounts
Cons
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
Auto-Owners policyholders pay an average monthly cost of just $67. Additionally, the insurer has an Insurify Quality (IQ) Score of 4.1 out of 5, indicating a solid reputation within the insurance industry.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$57/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.
$81/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
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.
A liability-only policy costs $69 per month, on average, while a full-coverage policy has an average premium of $98. With an IQ Score of 4.4, State Farm rates well for customer satisfaction and financial strength as well.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$92/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.
$125/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
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.
Travelers premiums cost an average of $75 for liability-only policies and $128 for full-coverage insurance. With an IQ Score of 4.2, you can expect great customer service from Travelers.
Cheapest liability-only car insurance in Owensboro
“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.”
Below, you can see the average monthly quotes offered by insurers throughout the Owensboro area.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$67
State Farm
$69
Travelers
$75
Safeco
$79
GEICO
$79
USAA
$85
State Auto
$100
Allstate
$101
Midvale Home & Auto
$112
Progressive
$114
Liberty Mutual
$124
Bristol West
$169
Nationwide
$170
CSAA
$178
Clearcover
$194
The General
$202
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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.
Among the most budget-friendly options are Auto-Owners ($94), State Farm ($98), and GEICO ($111). USAA and Travelers also offer full-coverage protection at reasonable monthly prices.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$94
State Farm
$98
GEICO
$111
USAA
$120
Travelers
$128
Allstate
$142
Safeco
$147
Progressive
$159
Nationwide
$171
Liberty Mutual
$178
State Auto
$186
Midvale Home & Auto
$190
Clearcover
$211
CSAA
$241
Bristol West
$284
The General
$335
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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
Minimum Requirements
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:
Collision insurance
This takes care of damages to your own car following a collision with another vehicle or object.
Comprehensive insurance
This coverage goes beyond collisions, protecting against damages such as theft, vandalism, fire, or natural disasters.
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.
Rental reimbursement
This helps pay for the cost of renting a vehicle while yours is in the shop for a covered claim.
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.
Custom equipment coverage
This covers customized or aftermarket equipment you add to your vehicle, such as sound systems or specialized rims.
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.
Cheapest car insurance for drivers with a speeding ticket
Even with a speeding ticket, finding cheap car insurance in Owensboro is possible. With an average premium of $90, Auto-Owners Insurance is the lowest cost for drivers with speeding tickets. State Farm ($93) is another option below $100. 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.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$90
State Farm
$93
Travelers
$101
Safeco
$105
GEICO
$106
USAA
$114
State Auto
$134
Allstate
$135
Midvale Home & Auto
$151
Progressive
$153
Liberty Mutual
$166
Bristol West
$227
Nationwide
$227
CSAA
$238
Clearcover
$259
The General
$271
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Drivers with an accident generally find the cheapest car insurers in Owensboro are Auto-Owners Insurance and State Farm, with average monthly quotes of $96 and $99, respectively. Comparing companies is important, since the most expensive options cost nearly three times the price of the cheapest insurers.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$96
State Farm
$99
Travelers
$108
Safeco
$112
GEICO
$113
USAA
$122
State Auto
$143
Allstate
$144
Midvale Home & Auto
$161
Progressive
$163
Liberty Mutual
$177
Bristol West
$242
Nationwide
$243
CSAA
$254
Clearcover
$277
The General
$289
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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. For instance, Clearcover, The General, and CSAA have average monthly prices over $350 — more than twice the average rate of Auto-Owners and State Farm.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$133
State Farm
$138
Travelers
$150
Safeco
$157
GEICO
$157
USAA
$170
State Auto
$198
Allstate
$201
Midvale Home & Auto
$224
Progressive
$227
Liberty Mutual
$246
Bristol West
$337
Nationwide
$338
CSAA
$354
Clearcover
$385
The General
$402
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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.”
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$42
State Farm
$44
Travelers
$47
Safeco
$50
GEICO
$50
USAA
$54
State Auto
$63
Allstate
$64
Midvale Home & Auto
$71
Progressive
$72
Liberty Mutual
$78
Bristol West
$107
Nationwide
$107
CSAA
$112
Clearcover
$122
The General
$127
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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, consider Auto-Owners Insurance, where the average monthly premium is just $98. State Farm, Travelers, Safeco, and GEICO are also affordable options, with average prices below $120 per month.
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.
Insurance Company
Average Monthly Quote
Auto-Owners Insurance
$98
State Farm
$102
Travelers
$111
Safeco
$116
GEICO
$116
USAA
$126
State Auto
$147
Allstate
$148
Midvale Home & Auto
$165
Progressive
$168
Liberty Mutual
$182
Bristol West
$249
Nationwide
$250
CSAA
$261
Clearcover
$285
The General
$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Find Car Insurance in Owensboro, Kentucky
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Based on 3,806+ reviews
4.8/5
Owensboro car insurance quotes by credit tier
Kentucky insurers can use credit 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 national average, with drivers paying 9% less than the average monthly quote of $253.
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 reveals interesting trends. For instance, Bowling Green and Elizabethtown have similar rates for auto insurance, with premiums that are 18% more expensive than in Owensboro. But Louisville really stands out, where costs soar 77% higher.
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.
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 cheaper than the state and national averages. Auto-Owners Insurance ($67), State Farm ($69), and Travelers ($75) offer the cheapest rates for liability coverage in the area.
Who has the cheapest car insurance in Owensboro?
For liability coverage, the cheapest rates are through Auto-Owners Insurance, State Farm, and Travelers. For full-coverage insurance, look once again to Auto-Owners Insurance ($94) and State Farm ($98). GEICO also has a low-cost offering for full coverage, averaging $111. Auto-Owners also offers the lowest average rates for teens, seniors, and those with a past DUI.
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 4.1 and has received few complaints through the NAIC. State Farm has an IQ Score of 4.4 and high customer satisfaction scores on J.D. Power. Finally, Travelers has an IQ Score of 4.2 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 50+ 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 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.
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.