Best Cheap Auto Insurance in Owensboro, Kentucky (2026)

If you’re tired of paying too much for car insurance in Owensboro, Kentucky, look at Progressive, National General, and Auto-Owners — they offer the cheapest overall rates. With an average cost of $138 per month, drivers in the Bluegrass Music Capital of the World pay less than the national monthly auto premium average of $142.

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.

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	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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners	Liability-only coverage	$124	$75	8.2
State Farm	Drivers with a DUI	$172	$104	9.3
Travelers	Teen drivers	$425	$254	8.5

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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

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User Reviews	4.3 333 reviews
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.	$66/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.	$111/mo

Details

Driver Reviews

4.3

Best choice in Owensboro, KYBased on 333 verified driver 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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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

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User Reviews	4.0 17,568 reviews
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.	$69/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.	$115/mo

Details

Driver Reviews

4.0

Best choice in Owensboro, KYBased on 17,568 verified driver 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro for

Customer service

Competitive rates

Discounts for safe drivers

Showing 40 Kentucky reviews for Owensboro drivers - See all 7,465 State Farm reviews

Joan

Verified Review

State Farm

Reviewed in Kentucky on April 28, 2026

I was given one amount, and the second bill doubled with State Farm.

Randall

Verified Review

Insurance for Kentucky is way overpriced

Reviewed in Kentucky on April 17, 2026

Need cheaper rates! We are retired and need all the financial help we can receive.

Melissa

Verified Review

State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.

Reviewed in Kentucky on April 13, 2026

State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.

Sherry

Verified Review

Too Expensive

Reviewed in Kentucky on April 13, 2026

State Farm is such a great insurance company. I have nothing really bad to say about them except my rate was too high. I'm 55 and disabled, and there's no way I should have been paying over $300 a month for full coverage insurance for my 2012 Equinox. So I started searching around and was more specific with my search and found a cheaper rate with the same perks and options. Cheaper, but I think State Farm is still a good company.

Jessica

Verified Review

Drive Safe and Save... Yourself the Headache

Reviewed in Kentucky on April 9, 2026

Due to the lack of insurance adjusters and their use of artificial intelligence through third parties to process claims, you are looking at a total loss in the event of an accident, with them keeping the vehicle to auction and recover some of their money. Vehicles are grossly undervalued with this company.

Pamela

Verified Review

No transparency

Reviewed in Kentucky on April 7, 2026

Premium hike and no explanation of why.

Kimberly

Verified Review

Great customer service

Reviewed in Kentucky on March 20, 2026

Super easy to deal with. Cheapest price around. Great customer service.

Gracie

Verified Review

Too High

Reviewed in Kentucky on March 14, 2026

I would say it's a good insurance company if you can afford the price. It's way too high for me.

Melton

Verified Review

A Good Place to Start

Reviewed in Kentucky on March 5, 2026

I've never had a claim, just paid the bill. They are very nice, but I wish they would have decreased my payment so I could stay.

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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

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User Reviews	4.6 1,439 reviews
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.	$112/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.	$186/mo

Details

Driver Reviews

4.6

Best choice in Owensboro, KYBased on 1,439 verified driver 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro 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.

Based on analysis of verified reviews collected by Insurify

Best in Owensboro for

Numerous discounts

Gap insurance

Rideshare coverage

Showing 4 Kentucky reviews for Owensboro drivers - See all 595 Travelers reviews

Helen

Verified Review

Overpriced for No Claims or Tickets

Reviewed in Kentucky on March 7, 2026

If you expect a good driver discount or loyalty discount, you can forget it.

Rilda

Verified Review

I thought I didn't have a payment in November and December but I did

Reviewed in Kentucky on January 25, 2026

I haven't had an accident in 30 years, and I only drive about once a week. I'm disabled, almost 60 years old, and live by myself, yet I have to pay $73 a month.

Byron

Verified Review

Bubs Coverage

Reviewed in Kentucky on January 23, 2026

Look out for huge increased premiums.

Ricky

Verified Review

Cost

Reviewed in Kentucky on January 18, 2026

They raise rates every year.

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Our Advice

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

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Find liability rates as low as $56/month

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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 $104 for liability coverage. Below, you can see the average monthly quotes offered by insurers throughout the Owensboro area.

The below rates in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Rate
Progressive	$56
National General	$65
Auto-Owners	$66
State Farm	$69
Direct Auto	$76
GEICO	$78
Safeco	$81
USAA	$85
Root	$93
Allstate	$100
The General	$101
Trexis	$102
State Auto	$103
Dairyland	$107
Liberty Mutual	$110
Bristol West	$112
Travelers	$112
Trexis One	$126
Nationwide	$148
Shelter	$181

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Owensboro: National General

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 $171 per month for full-coverage insurance.

The below rates in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Rate
National General	$110
Auto-Owners	$111
Safeco	$112
Progressive	$113
Direct Auto	$115
State Farm	$115
CSAA	$124
GEICO	$130
Root	$142
USAA	$142
Liberty Mutual	$166
Allstate	$168
State Auto	$171
Trexis	$175
Travelers	$186
Bristol West	$220
The General	$227
Dairyland	$229
Trexis One	$232
Nationwide	$246
Shelter	$302

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro 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.

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 $66/month

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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 $71, 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 in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Record	With Speeding Ticket
Progressive	$56	$71
National General	$65	$81
Auto-Owners	$66	$86
State Farm	$69	$88
Direct Auto	$76	$96
GEICO	$78	$102
Safeco	$81	$107
USAA	$85	$110
Root	$93	$124
Allstate	$100	$130
The General	$101	$136
Trexis	$102	$128
State Auto	$103	$137
Dairyland	$107	$134
Liberty Mutual	$110	$140
Bristol West	$112	$142
Travelers	$112	$146
Trexis One	$126	$159
Nationwide	$148	$193
Shelter	$181	$241

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro 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 $74 per month. Comparing companies is important, since the most expensive options cost nearly three times the price of the cheapest insurers.

The below rates in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Record	With At-Fault Accident
Progressive	$56	$74
National General	$65	$87
Auto-Owners	$66	$87
State Farm	$69	$91
Direct Auto	$76	$104
GEICO	$78	$102
Safeco	$81	$113
USAA	$85	$114
Root	$93	$125
Allstate	$100	$134
The General	$101	$139
Trexis	$102	$135
State Auto	$103	$141
Dairyland	$107	$141
Liberty Mutual	$110	$146
Bristol West	$112	$148
Travelers	$112	$151
Trexis One	$126	$166
Nationwide	$148	$199
Shelter	$181	$246

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro 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 $69 per month.

The below rates in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Record	With DUI
Progressive	$56	$69
National General	$65	$87
Auto-Owners	$66	$88
State Farm	$69	$92
Direct Auto	$76	$101
GEICO	$78	$103
Safeco	$81	$115
USAA	$85	$113
Root	$93	$125
Allstate	$100	$133
The General	$101	$130
Trexis	$102	$126
State Auto	$103	$131
Dairyland	$107	$143
Liberty Mutual	$110	$147
Bristol West	$112	$149
Travelers	$112	$149
Trexis One	$126	$155
Nationwide	$148	$197
Shelter	$181	$244

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Progressive

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 in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$49	$99
National General	$51	$87
Auto-Owners	$52	$88
State Farm	$55	$91
GEICO	$62	$104
Direct Auto	$63	$95
USAA	$69	$116
Safeco	$71	$98
Root	$78	$119
State Auto	$78	$130
Allstate	$82	$137
The General	$87	$195
Trexis	$89	$153
Travelers	$90	$150
Dairyland	$91	$196
Liberty Mutual	$92	$139
Bristol West	$94	$185
Trexis One	$110	$203
Nationwide	$114	$190
Shelter	$130	$217

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro 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 $96.

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 in Owensboro, KY, are estimated rates current as of: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$96	$194
National General	$127	$215
Auto-Owners	$131	$220
State Farm	$131	$218
GEICO	$137	$229
Direct Auto	$144	$218
USAA	$153	$256
Root	$157	$240
Safeco	$160	$222
Trexis	$175	$300
The General	$176	$396
Dairyland	$181	$387
Liberty Mutual	$187	$283
Bristol West	$193	$379
Allstate	$193	$324
Trexis One	$216	$397
Travelers	$228	$378
State Auto	$245	$407
Nationwide	$282	$468
Shelter	$353	$588

Disclaimer: Table data sourced from real-time Owensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Owensboro may vary based on the policy buyer's unique driver profile.

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.

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 $138 compared to the state average quote of $154.

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	Average Monthly Quote
Bowling Green	$149
Elizabethtown	$148
Lexington	$155
Louisville	$233
Paducah	$155

Disclaimer: Table data is based on real-time Owensboro quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Owensboro car insurance FAQs