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Cheap Auto Insurance Quotes in Radcliff, KY (January 2022)

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Last Updated: January 2022

Car Insurance in Radcliff, 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 Radcliff, KY to find you the cheapest quotes in the area.
ProgressiveAllstateState FarmTravelersLiberty Mutual

Cheapest Car Insurance in Radcliff, 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!

Average Car Insurance Cost

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Radcliff, 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. 

Find local Radcliff agents

North Hardin Insurance Agency Inc
353 W. Lincoln Trail Blvd., Radcliff, KY 40160
Hampton-Hargan Insurance, Inc.
951 N. Dixie Blvd., Radcliff, KY 40160-1406
Huck Heighter - State Farm Insurance Agent
400 W Lincoln Trail Blvd B, Radcliff, KY 40160
Jarrod Swift - State Farm Insurance Agent
955 N Wilson Rd ste a, Radcliff, KY 40160
The Insurance Store
623 N Wilson Rd B, Radcliff, KY 40160
Dave Voglund - State Farm Insurance Agent
1460 N Dixie Blvd ste c, Radcliff, KY 40160
Kentucky Farm Bureau Insurance Hardin County - Radcliff
828 S Dixie Blvd, Radcliff, KY 40160
Johnson & Associates Inc
295 W Lincoln Trail Blvd d, Radcliff, KY 40160
Atcher Neil
347A N Wilson Rd, Radcliff, KY 40160

Insurify Insights: How Radcliff Drivers Measure Up

Toyota Camry
Most Popular Car in
Radcliff, KY
suspended licenses
Cities with Most
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 Radcliff 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 Radcliff

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. Radcliff drivers rank 23 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #23
  • Percent of drivers in Radcliff with an accident: 7.41%
  • Drivers in Radcliff, KY with an accident in their driving history paid on average 71.7% more than drivers with a clean record

Speeding in Radcliff

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Radcliff drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Radcliff with a speeding ticket: 10.91%
  • Drivers in Radcliff, KY with a speeding ticket in their driving history paid on average 72.17% more than drivers with a clean record

DUI/DWIs in Radcliff

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Radcliff drivers rank 23 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #23
  • Percent of drivers in Radcliff with a DUI: 2.47%
  • Drivers in Radcliff, KY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Radcliff

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Radcliff is the Toyota Camry.

Hybrid/Electric Vehicle Ownership in Radcliff

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Radcliff drivers rank 23 in hybrid and electric vehicle ownership across all cities in Kentucky.

  • Rank within state: #23
  • Percent of drivers in Radcliff with a hybrid/electric vehicle: 0.29%


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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