Cheapest Auto Insurance in Paducah, Kentucky (2026)

Progressive offers the cheapest liability coverage in Paducah, at $62 per month.

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Cheapest recent rates near Paducah, Kentucky

Drivers in and around Paducah, Kentucky have found policies from Bristol West, Trexis One, The General, 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
  • 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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Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

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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David Marlett
Reviewed byDavid Marlett
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

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Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Paducah residents pay $155 per month for car insurance, which exceeds the overall national average of $142, but is comparatively similar to the state average of $155.

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.

Quick Facts
  • Paducah drivers pay $116 per month for liability coverage and $194 for full-coverage insurance, on average.

  • Progressive, National General, and Auto-Owners 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
Auto-Owners8.2$124$74Cheap rates
GEICO9.2$146$87Young drivers
State Farm9.3$130$77Post-accident resources
Disclaimer: Table data sourced from real-time Paducah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Paducah may vary based on the policy buyer's unique driver profile.
  • 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.

Best insurer for cheap rates: Auto-Owners

User Reviews
4.3
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.
$74/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
4.3
Best choice in Paducah, KYBased on 339 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.53.6
Discounts3.62.9
Policy transparency4.03.1
Value3.52.9
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 Paducah for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee 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
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
Uneventful.
Darryl
Verified Review
Insurance Shopping
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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
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

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.

Pros
  • Accident forgiveness coverage available

  • AM Best financial strength rating of A++ (Superior)

Cons
  • 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.
9.2 /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.
$88/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.
$146/mo
4.0
Best choice in Paducah, KYBased on 18,458 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency3.93.1
Value3.82.9
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

Best in Paducah for
Teen drivers
Cheap rates
Accident forgiveness
Showing 26 Kentucky reviews for Paducah driversSee all 7,776 GEICO reviews
Robert
Verified Review
The Best is Geico
They provide the cheapest price for full coverage. I have had quotes from other insurance companies and they have been double the price. No one can beat Geico. Thanks Geico!
Kathleen
Verified Review
Car Insurance
It was the cheapest deposit to get it started.
Norma
Verified Purchase
I think my rates are a little high but everything else is great
Great
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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

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.

Pros
  • Savings of up to 15% possible via good student discount

  • Smooth transfer for minors to their own policy if needed

Cons
  • No local insurance agent in Paducah

  • Doesn’t offer rideshare insurance

Best insurer for post-accident resources: State Farm

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.
9.3 /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.
$78/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.
$129/mo
4.0
Best choice in Paducah, KYBased on 18,367 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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 Paducah for
Customer service
Competitive rates
Discounts for safe drivers
Showing 39 Kentucky reviews for Paducah driversSee all 7,595 State Farm reviews
David
Verified Review
At the End of My Rope
I have not been satisfied with the price of my insurance ever since I purchased my Tesla. The customer service from my agent is sometimes good, but at other times it's not too good. For example, when I removed a red Dodge pickup truck from my policy, the red Chevrolet truck on my best friend's completely separate policy was removed instead. I clearly stated the red Dodge pickup, and she repeated it back to me, yet still removed the wrong vehicle from the wrong policy altogether. This has happened another time when one of my three Toyota Priuses was removed from the policy despite giving the VIN number for a different vehicle to be removed. Also, the new billing system they are using is horrible.
Notame
Verified Review
Expensive with constant increasing rates
Check around to see if there are other options. State Farm, once you start with them, will raise the price on every renewal.
Connie
Verified Review
State Farm Satisfied Customer
I have only had two claims in the past thirty years or so. In both instances (one auto and one home), I could not have asked for a better response to my claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
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

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.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Southeast region

  • Nine local insurance agents in Paducah

Cons
  • 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.

Find Cheap Car Insurance in Paducah, Kentucky

Liability quotes start at $62 per month

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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Paducah: Progressive

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.

Progressive offers the cheapest liability-only insurance in Paducah, at $62 per month.

Here are the cheapest average quotes for liability-only insurance coverage in Paducah.

The below rates in Paducah, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 
Insurance Company
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Average Monthly Quote
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Progressive$62
National General$73
Auto-Owners$74
State Farm$78
Direct Auto$86
GEICO$88
Safeco$91
USAA$96
Root$105
Allstate$113
The General$114
Trexis$115
State Auto$116
Dairyland$120
Liberty Mutual$124
Bristol West$126
Travelers$126
Trexis One$142
Nationwide$166
Shelter$203
Disclaimer: Table data sourced from real-time Paducah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Paducah may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Paducah: National General

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 $73 per month from National General. Check out the table below to see the prices Paducah insurers have to offer.

The below rates in Paducah, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$124
Auto-Owners$125
Safeco$126
Progressive$127
Direct Auto$129
State Farm$129
CSAA$139
GEICO$146
USAA$159
Root$160
Liberty Mutual$186
Allstate$189
State Auto$192
Trexis$196
Travelers$209
Bristol West$247
The General$255
Dairyland$257
Trexis One$261
Nationwide$277
Shelter$339
Disclaimer: Table data sourced from real-time Paducah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Paducah may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Paducah, Kentucky drivers

Recent Paducah, Kentucky car insurance prices for Nissan, Toyota, Subaru, and more.

*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

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
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Minimum Requirements
sort ascsort desc
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:

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 $185 per month for car insurance.

Here’s a look at different insurance costs for Paducah drivers with various incidents.

The below rates in Paducah, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
Progressive$62$78$82$78
National General$73$92$97$99
Auto-Owners$74$97$98$95
State Farm$78$99$104$105
Direct Auto$86$108$117$116
GEICO$88$116$116$118
Safeco$91$120$127$131
USAA$96$125$129$130
Root$105$126$132$142
Trexis$115$145$152$145
Allstate$113$147$152$153
Dairyland$120$150$159$162
The General$114$153$157$149
State Auto$116$155$159$150
Liberty Mutual$124$159$165$167
Bristol West$126$160$167$170
Travelers$126$164$170$170
Trexis One$142$179$188$179
Nationwide$166$216$224$224
Shelter$203$271$277$277
Disclaimer: Table data sourced from real-time Paducah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Paducah may vary based on the policy buyer's unique driver profile.

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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Teens$507
20s$332
30s$240
40s$228
50s$215
60s$207
70s$219
Disclaimer: Table data is based on real-time Paducah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Shop for Car Insurance in Paducah, KY

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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

Category
Price
Excellent$239
Good$265
Fair$292
Poor$424

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 $155 per month. Paducah drivers pay an average of $116 per month for liability coverage and $194 for full-coverage insurance.

  • Which company has the cheapest car insurance in Paducah?

    Progressive offers the cheapest liability coverage in Paducah, at $62 per month. National General is the second-cheapest insurer in the city, with a rate of $73 for liability coverage. The third-cheapest company is Auto-Owners, which has a liability coverage rate of $74 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 8.8 out of 10, 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 $77 per month for liability coverage and $130 for full coverage.

    Two of Paducah’s other best companies include Auto-Owners and GEICO.

Sources

  1. NOLO. "Kentucky No-Fault Car Insurance."
  2. U.S. Department of Transportation Federal Highway Administration. "State & Urbanized Area Statistics."
  3. Kentucky Transportation Cabinet. "Mandatory Insurance."
  4. Kentucky Transportation Cabinet. "Vehicle Liability Insurance Verification."
  5. Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."

Methodology

Insurify data scientists analyzed more than 190 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 500+ 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 Beardsley
Written byAmy BeardsleyFreelance Insurance and Real Estate Writer
Photo of an Insurify author
Amy BeardsleyFreelance Insurance and Real Estate Writer
  • 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.

Featured in

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Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

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

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David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

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