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Cheap Auto Insurance Quotes in Owensboro, KY (January 2022)
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Last Updated: January 2022
As the fourth-largest city in Kentucky and home to over 100,000 people in the surrounding metropolitan area, Owensboro isn’t your classic quiet Southern town. Its streets are bustling, which means drivers in Owensboro need car insurance that protects them.
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.
Car Insurance in Owensboro, KY
The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Owensboro, KY to find you the cheapest quotes in the area.
$73
$135
$153
$188
ProgressiveState FarmTravelersThe General
See More: Cheap Car Insurance Kentucky
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Cheapest Car Insurance in Owensboro, KY
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Owensboro | |
|---|---|
Progressive | $73/mo |
 State Farm | $135/mo |
 Travelers | $153/mo |
 The General | $188/mo |
Best Car Insurance in Owensboro, KY
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Owensboro. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $212/mo | |
 Liberty Mutual | $191/mo | |
Travelers | $146/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Louisville | $273/mo |
| Bowling Green | $155/mo |
| Covington | $148/mo |
| Richmond | $200/mo |
| Owensboro | $137/mo |
| Kentucky | $183/mo |
$183
$273
$155
$148
$200
$137
KentuckyLouisvilleBowling GreenCovingtonRichmondOwensboro
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Owensboro, KY Driving Facts
Minimum Car Insurance Requirements in KY
All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $10,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Owensboro Car Insurance Rates by Driver Age
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 | |
|---|---|
| teens | $336 |
| 20s | $196 |
| 30s | $150 |
| 40s | $177 |
| 50s | $217 |
| 60s | $143 |
| 70s | $197 |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $180 |
| Speeding Ticket | $214 |
| At-Fault Accident | $236 |
| Failure to Stop for Red Light / Stop Sign | $166 |
Owensboro Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Kentucky
See More: DUI Car Insurance Kentucky
Owensboro Car Insurance Rates by Credit Tier
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 | |
|---|---|
| Excellent | $332 |
| Good | $207 |
| Average | $156 |
| Poor | $187 |
See More: Bad Credit Car Insurance Kentucky
Owensboro, KY DMV Information
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.
Public Transportation in Owensboro, KY
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.
Find local Owensboro agents
River City Insurance Agency
800 Frederica St., Owensboro, KY 42301
Ohio Valley Insurance
2510 Tamarack Rd., Owensboro, KY 42301
Storm Insurance, LLC
3943 Highway 54, Owensboro, KY 42303
AssuredPartners NL - Owensboro
1925 Frederica Street, Owensboro, KY 42301
E. M. Ford & Company, LLC
600 Frederica Street, Owensboro, KY 42301
Worth Insurance Group, Inc.
2625 Fredrica Street, Owensboro, KY 42301
Baize Insurance Agency, LLC
2803 Veach Rd, Owensboro, KY 42303-6252
Horn & France Insurance, Inc.
200 E 3rd St, Ste 101, Owensboro, KY 42301-4824
Houchens Insurance Group - Owensboro
2009 Frederica Street, Owensboro, KY 42301
Bradley & Bradley Ins Agcy, LLC
722 Breckenridge Street, Owensboro, KY 42303
Insurify Insights: How Owensboro Drivers Measure Up
Owensboro, KY
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Owensboro drivers measure up to their fellow Kentucky motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Owensboro
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Owensboro drivers rank 7 in the number of car accidents per driver across all cities in Kentucky.
- Rank within state: #7
- Percent of drivers in Owensboro with an accident: 10.58%
- Drivers in Owensboro, KY with an accident in their driving history paid on average 43.51% more than drivers with a clean record
Speeding in Owensboro
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Owensboro drivers rank 7 in the number of speeding infractions per driver.
- Rank within state: #7
- Percent of drivers in Owensboro with a speeding ticket: 9.48%
- Drivers in Owensboro, KY with a speeding ticket in their driving history paid on average 51.3% more than drivers with a clean record
DUI/DWIs in Owensboro
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Owensboro drivers rank 20 in the number of DUI’s per driver across all cities in Kentucky.
- Rank within state: #20
- Percent of drivers in Owensboro with a DUI: 2.62%
- Drivers in Owensboro, KY with a DUI in their driving history paid on average -92.21% more than drivers with a clean record
Most Popular Vehicle in Owensboro
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Owensboro is the Chevrolet Impala.
Rude Drivers in Owensboro
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Owensboro drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Owensboro with a reckless driving violation: 1.61%
- Drivers in Owensboro, KY with a reckless driving violation in their driving history paid on average 54.55% more than drivers with a clean record.
Safest Drivers in Owensboro
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Owensboro drivers rank 13 in clean driving records across all cities in Kentucky.
- Rank within state: #13
- Percent of drivers in Owensboro with clean record: 80.75%
Failure to Yield the Right of Way in Owensboro
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Owensboro drivers rank 2 in failure to yield violations per driver across all cities in Kentucky.
- Rank within state: #2
- Percent of drivers in Owensboro with a failure to yield violation: 0.3%
- Drivers in Owensboro, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Owensboro
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Owensboro drivers rank 7 in the number of reckless driving offenses per driver.
- Rank within state: #7
- Percent of drivers in Owensboro with a reckless driving offense: 0.1%
Hybrid/Electric Vehicle Ownership in Owensboro
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Owensboro drivers rank 15 in hybrid and electric vehicle ownership across all cities in Kentucky.
- Rank within state: #15
- Percent of drivers in Owensboro with a hybrid/electric vehicle: 0.55%
Most Patriotic City
Owensboro
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Radcliff won Insurify's Most Patriotic Cities Award for the state of Kentucky. Historically, Radcliff's population has depended on deployment at nearby Fort Knox, a storied U.S. Army Base.
How to get the best and cheapest car insurance in Owensboro, KY
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.
FAQs - Owensboro, KY Car Insurance
How does where I live affect my car insurance rates?
Plenty of factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in this ZIP code and set your insurance rates accordingly.
Will my credit score affect my car insurance rates in Owensboro?
Kentucky car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.
Who offers the cheapest car insurance in my area?
Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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