3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 20, 2024
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Table of contents
Paducah residents pay $214 per month for car insurance, which exceeds the overall national average of $154 and the state average of $227.
Kentucky is a no-fault state that requires drivers to purchase personal injury protection (PIP), which can lead to increased costs.[1] Plus, Kentuckians drive more miles per vehicle than any other state, according to Federal Highway Administration data.[2]
Here’s what you need to know about finding cheap coverage in Paducah.
Paducah drivers pay $156 per month for liability coverage and $271 for full-coverage insurance, on average.
Auto-Owners, State Farm, and GEICO offer the cheapest auto coverage in Paducah.
The main penalty for driving without insurance in Kentucky is vehicle registration revocation, but you can face a fine between $500 and $1,000 and up to 90 days in jail.[3]
Cheapest car insurance companies in Paducah
You can find several options for cheap car insurance in Paducah. To find the best deal, consider your driving situation, personal insurance needs, and overall financial status. You should always compare quotes and coverages to determine what company works best for you.
Start your search below with three of the top car insurance companies in Paducah.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $104 | $59 | Cheap rates |
GEICO | 9.0 | $123 | $70 | Young drivers |
State Farm | 9.3 | $109 | $61 | Post-accident resources |
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 28,000 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.
Best insurer for cheap rates: Auto-Owners
User Reviews | 4.0 |
---|---|
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. | $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. | $98/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
If you need liability-only car insurance in the western Kentucky city of Paducah, Auto-Owners is your best coverage option. The company offers the cheapest rates in the city for liability insurance on average. In addition to standard coverage options, you can also add policies for roadside service and accident forgiveness from Auto-Owners to cover issues on the road.
Accident forgiveness coverage available
AM Best financial strength rating of A++ (Superior)
No local insurance agents in Paducah
Accident forgiveness qualification requirement of three years claims-free
Best insurer for young drivers: GEICO
User Reviews | 4.0 |
---|---|
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. | 9.0 /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. | $115/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
More than 272,000 drivers younger than 25 live in the Bluegrass State. Because young drivers face high rates, finding affordable insurance is crucial.
GEICO, which is one of the cheapest car insurance companies in Paducah, is a worthwhile option for young drivers in Paducah. The company offers discounts for achieving good grades and insuring multiple vehicles.
Savings of up to 15% possible via good student discount
Smooth transfer for minors to their own policy if needed
No local insurance agent in Paducah
Doesn’t offer rideshare insurance
Best insurer for post-accident resources: State Farm
User Reviews | 4.2 |
---|---|
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. | $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. | $102/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
In 2022, Paducah had 1,821 reported car collisions. In the event of a collision, State Farm offers coverages you may want to consider in the event of a collision. You can add after-accident protection with roadside assistance and rental car reimbursement coverage. State Farm has customizable coverage options and 10 advertised discounts.
Above-average J.D. Power customer satisfaction rating in the Southeast region
Nine local insurance agents in Paducah
Doesn’t offer gap insurance
Fewer available discounts than some insurers
How to get the cheapest car insurance in Paducah
Car insurance companies consider different factors to decide your insurance rates. Your age, driving record, vehicle, and even the ZIP code where you park your car are all common variables.
Paducah’s higher rates exceed the national average, but you can use a few tricks to find the cheapest car insurance policies for your insurance needs:
Shop around. Get online quotes from at least three different companies.
Bundle your coverage. Combine insurance products for discounts, like auto insurance with life and home insurance.
Drive safely. A clean driving record can save you money on premiums.
Set a higher deductible. A higher deductible can reduce costs. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Ask about discounts. Earning good grades, completing an approved driving course, or having a certain membership can lead to savings.
Cheapest liability-only car insurance in Paducah: Auto-Owners
Liability-only car insurance is basic coverage that pays for damages you might cause others in an accident. It acts as a safety net for the other driver’s medical bills but won’t cover your medical expenses or vehicle repairs.
Auto-Owners offers the cheapest liability-only insurance in Paducah, at $55 per month.
Here are the cheapest average quotes for liability-only insurance coverage in Paducah.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $55 |
State Farm | $57 |
GEICO | $66 |
USAA | $70 |
National General | $81 |
Allstate | $84 |
State Auto | $85 |
Safeco | $93 |
Travelers | $93 |
Progressive | $95 |
Clearcover | $105 |
Nationwide | $122 |
CSAA | $127 |
Liberty Mutual | $130 |
Bristol West | $150 |
Shelter | $150 |
The General | $227 |
Cheapest full-coverage car insurance in Paducah: Auto-Owners
Liability insurance only covers damages you cause to others, but full-coverage policies extend coverage to your car following accidents, theft, or weather damage. Purchasing full coverage is a smart choice if you have a newer car, lease or finance your vehicle, or just want more protection.
Quotes for full-coverage insurance start at $57 per month from Auto-Owners. Check out the table below to see the prices Paducah insurers have to offer.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $98 |
State Farm | $102 |
GEICO | $115 |
USAA | $126 |
National General | $133 |
Safeco | $145 |
Allstate | $148 |
State Auto | $151 |
Travelers | $164 |
Progressive | $167 |
Clearcover | $184 |
CSAA | $189 |
Nationwide | $217 |
Liberty Mutual | $238 |
Shelter | $266 |
Bristol West | $310 |
The General | $370 |
Cheapest recent rates near Paducah, Kentucky
Drivers in and around Paducah, Kentucky have found policies from Safeco, Allstate, State Farm, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Kentucky
Kentucky drivers must carry the state’s minimum liability coverage and personal injury protection (PIP) insurance. However, you can opt to buy a single insurance policy that covers everything up to $60,000 if you prefer a simpler solution.
Either way, maintaining car insurance is important. The Kentucky Insurance System has access to verify your insurance status and will cancel your vehicle registration if you have a lapse in required insurance.[4]
These are the state’s minimum insurance requirements you must meet:
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per accident |
Personal injury protection | $10,000 per accident |
Purchasing additional coverage options can increase your vehicle protection. Here are several common insurance add-ons to consider:
Collision coverage
Collision coverage pays for car damages from accidents with vehicles or objects.
Comprehensive coverage
Comprehensive coverage protects against non-collision damages, like theft or natural disasters.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay for damage and injury if the other driver lacks sufficient insurance.
Rental reimbursement
Rental reimbursement pays for a rental if your car needs repairs.
Towing and roadside coverage
Towing and roadside coverage provides roadside service during breakdowns, flat tires, and more.
Gap insurance
Gap insurance covers the “gap” if you owe more than your totaled car’s value.
Cheapest car insurance for drivers with an incident
Auto incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI) charges, and other moving violations. Having incidents on your record can increase your insurance rates because companies see you as a high-risk driver. Drivers with clean records pay the lowest car insurance rates on average.
If you’ve had an accident or speeding ticket in the past, companies worry you might have one again in the future. On average, Paducah drivers with a past incident pay $274 per month for car insurance.
Here’s a look at different insurance costs for Paducah drivers with various incidents.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $55 | $72 | $74 | $90 |
State Farm | $57 | $73 | $76 | $93 |
GEICO | $66 | $86 | $89 | $108 |
USAA | $70 | $91 | $94 | $114 |
National General | $81 | $106 | $108 | $132 |
Allstate | $84 | $109 | $113 | $137 |
State Auto | $85 | $119 | $124 | $138 |
Safeco | $93 | $122 | $124 | $140 |
Travelers | $93 | $122 | $126 | $151 |
Progressive | $95 | $122 | $128 | $155 |
Clearcover | $105 | $137 | $152 | $171 |
Nationwide | $122 | $160 | $165 | $199 |
CSAA | $127 | $168 | $177 | $186 |
Liberty Mutual | $130 | $182 | $186 | $212 |
Bristol West | $150 | $196 | $201 | $244 |
Shelter | $150 | $202 | $210 | $244 |
The General | $227 | $300 | $310 | $370 |
Average cost of car insurance by age
Your age can influence how much you pay for car insurance. Teens usually pay the most because new drivers are more prone to making mistakes. Once you hit age 35, rates typically drop since you have more driving experience.
Drivers of retirement age typically earn the best auto insurance rates. However, accident risk increases for senior drivers age 70 and older, which leads to higher insurance rates.
The table below has the average costs for car insurance by age group in Paducah.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $507 |
20s | $332 |
30s | $240 |
40s | $228 |
50s | $215 |
60s | $207 |
70s | $219 |
Paducah car insurance quotes by credit tier
Kentucky insurance companies can review credit scores when deciding to offer or renew a policy, but insurers can’t decide not to renew coverage solely because someone has poor credit.[5]
Your credit score can influence how much you pay, and drivers with good or excellent credit typically pay less for coverage than people with poor scores.
Here are the average full-coverage insurance rates for Paducah drivers by credit tier.
Rates by Credit Tier
Paducah car insurance FAQs
Before you start shopping around for insurance, you should determine the right coverage amount for your needs. The following information should answer your remaining questions about buying car insurance in Paducah.
How much is car insurance in Paducah?
The average overall cost of car insurance in Paducah is $214 per month. Paducah drivers pay an average of $156 per month for liability coverage and $271 for full-coverage insurance.
Which company has the cheapest car insurance in Paducah?
Auto-Owners offers the cheapest liability coverage in Paducah, at $55 per month. State Farm is the second-cheapest insurer in the city, with a rate of $57 for liability coverage. The third-cheapest company is GEICO, which has a liability coverage rate of $66 per month.
The best way to find cheap coverage is to compare multiple quotes from various companies. You should also always inquire about discounts for bundling your auto and homeowners insurance, driving safely, completing a defensive driving course, and more.
What are the best car insurance companies in Paducah?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and cheap average rates in Paducah, State Farm is the best car insurance company in Paducah. On average, Kentucky drivers with coverage from State Farm pay $61 per month for liability coverage and $109 for full coverage.
Two of Paducah’s other best companies include Auto-Owners and GEICO.
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
- 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.
Related articles
More cities in Kentucky
Sources
- NOLO. "Kentucky No-Fault Car Insurance."
- U.S. Department of Transportation Federal Highway Administration. "State & Urbanized Area Statistics."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Kentucky Transportation Cabinet. "Vehicle Liability Insurance Verification."
- Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."
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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in