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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
The first step to finding great, affordable car insurance involves comparing quotes from a variety of car insurance companies. Insurify makes this process easy. Just enter some basic information about your vehicle and driving history, and you’ll quickly gain access to 10+ free car insurance quotes that you can compare side by side.
The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Owensboro, KY to find you the cheapest quotes in the area.
Here are the cheapest carriers in Owensboro for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $73/mo |
 State Farm | $135/mo |
 Travelers | $153/mo |
 The General | $188/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $212/mo | |
 Liberty Mutual | $191/mo | |
Travelers | $146/mo |
Kentucky Cities | |
|---|---|
| Louisville | $273/mo |
| Bowling Green | $155/mo |
| Covington | $148/mo |
| Richmond | $200/mo |
| Owensboro | $137/mo |
| Kentucky | $183/mo |
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All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
There isn’t a large disparity among age groups when it comes to average auto insurance premium rates is Owensboro. Even though younger drivers in their teens will pay roughly $335.65 a month, the rest of the age groups are all closely the same. Drivers in their 30s and 60s can expect the best rates, at $149.57 and $142.86, respectively, while those in their 50s have the second highest average premium rate, at $216.22.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $336 |
| 20s | $196 |
| 30s | $150 |
| 40s | $177 |
| 50s | $217 |
| 60s | $143 |
| 70s | $197 |
| 80s | N/A |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $180 |
| Speeding Ticket | $214 |
| At-Fault Accident | $236 |
| Failure to Stop for Red Light / Stop Sign | $166 |
Like in other cities throughout the country, the average auto insurance premium rates in Owensboro are affected by driving and accident history. Drivers who maintain a clean driving record with no violations should expect rates around $179.27. However, motorists who have speeding or at-fault accidents in their driving history will have to pay more. On average, the premiums are $213.65 for those with speeding violations and $235.36 for those with at-fault accidents.
Typically, cities like Owensboro will provide different premium rates depending on where a driver’s credit score lands. While other cities give better rates to those with a better credit score, Owensboro has several insurance companies that put a focus on offering affordable coverage to those with less-than-stellar credit scores. Drivers with an average rating will pay the least, with average payments around $155.41. Surprisingly, an excellent credit score doesn’t help too much to obtain a lower average premium.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $332 |
| Good | $207 |
| Average | $156 |
| Poor | $187 |
The Owensboro Circuit Court Clerk’s Office is located at 100 E Second St. and provides the full range of license services for drivers in the area. The office is open from 7:30 a.m. to 4 p.m. from Monday through Friday. To schedule an appointment ahead of time, call 1 (270) 687-7225.
If you’re ditching your car for the day, the Owensboro Transit System (OTS) can offer bus transit to residents. In addition, the Green River Intra-County Transit System (GRITS) operates specialized bus services to residents with disabilities.
As a resident of one of Kentucky’s largest cities, you don’t want to skimp on car insurance. But just because you’re looking for a robust car insurance policy doesn’t mean you have to pay an arm and a leg. Insurify can help you compare quotes from a variety of different insurance carriers so that you can find a policy that meets your needs and budget.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Owensboro stacks up for the state of Kentucky:
