Cheapest Auto Insurance in Richmond, Kentucky (2024)

Auto-Owners has the cheapest liability insurance in Richmond, with a cost of $57 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • 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 July 18, 2024

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Cheapest recent rates near Richmond, Kentucky

Recent Richmond, Kentucky car insurance prices for Hyundai, Ford, Honda , and more.

*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of liability car insurance in Richmond is $184 per month, which is similar to the Kentucky state average of $186. Insurance premiums in Richmond and the state of Kentucky typically exceed national average costs. The average monthly cost of liability insurance in the U.S. is $105.

Kentucky drivers may face higher insurance costs because the state has a higher risk of tornadoes than other areas of the country. Insurers adjust for increased risk of property damage by charging higher premiums.

Here’s what you should know about finding cheap car insurance in Richmond, including how to compare quotes and coverage options.

Quick Facts
  • Kentucky is a no-fault state, so drivers must purchase basic personal injury protection (PIP) coverage.[1]

  • The cheapest car insurance companies in Richmond include Auto-Owners, State Farm, and GEICO.

  • On average, Richmond drivers pay $263 per month for full-coverage insurance.

3 of the cheapest car insurance companies in Richmond

When searching for car insurance, you should aim to find a company that offers excellent rates and coverage options that meet your needs.

The following insurers provide cost-effective options for drivers in the city, including teenagers and military personnel. The provided quotes reflect statewide average costs in Kentucky.

Insurance CompanyIQ 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 CoverageLiability OnlyBest for
National General6.8$118$76Cheap rates
State Farm9.3$103$64Teen drivers
USAA9.4$127$79Military members

Best insurer for cheap rates: National General

Compare personalized, real-time quotes
User Reviews
2.6
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.
6.8/10
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.
$71/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.
$111/mo

National General offers the cheapest full-coverage policy in Richmond, as well as affordable liability rates. The insurer offers standard coverages like comprehensive and collision insurance, as well as a plethora of policy add-ons to provide you with extra protection on the road.

Pros
  • SR-22 certificates available to high-risk drivers

  • Variety of available policy endorsements

Cons
  • Gap insurance not available 

  • High volume of online complaints

Read more driver reviews of National General
Lori - July 15, 2024
Verified

I had a wonderful experience. After a car accident, they paid the claim and I was very happy with the customer service. Now that my car is older, I'm checking out the cost of insurance for less coverage and to see how competitive the market is.

I had a wonderful experience. After a car accident, they paid the claim and I was very happy with the customer service. Now that my car is older, I'm checking out the cost of insurance for less coverage and to see how competitive the market is.

Marcos - July 15, 2024
Verified

Expensive

It's really expensive, even with a clean record.

Keisha - July 15, 2024
Verified

Folks, Beware

Poor service. I was conned into thinking I had full coverage when I was in a vehicle accident last year in March. I found out they did not include medical, therefore no lawyer wanted to take my case. I was a victim of a hit and run. I do not recommend them, and a worker from the medical side stated I was not the only applicant.

Best insurer for teen drivers: State Farm

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User Reviews
3.3
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.
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.
$60/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.
$97/mo

With budget-friendly rates, excellent customer service, and discounts for student drivers, you can count on State Farm for your teenager’s car insurance policy. The company has good student, driver training, and student away-at-school discounts, as well as savings opportunities through its Drive Safe & Save and Steer Clear programs.

Pros
  • Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • Accident forgiveness not available

Read more driver reviews of State Farm
Maryann - July 18, 2024
Verified

I Hardly Drive and Never Get a Discount

They sign you up for a policy and then it's see ya later.

Don - July 18, 2024
Verified

Disappointed

After being with State Farm for 48 years, I am seriously considering moving all of my insurance elsewhere. Rates on our vehicles, all of which are accident-free, even with discounts, are 40 percent higher than other well-known companies. Our farm and ranch policy, which used to be a blanket policy, has been gutted. But the biggest difference is our agent. Our former agent, who is now retired, always had our best interest in mind. The new agents seem only to care about the company.

Karla - July 18, 2024
Verified

Overpriced Coverage Despite No Accidents or Tickets

I recommend checking around for better quotes and pricing on coverage.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$119/mo

Whether you’re an active or reserve military personnel, a veteran, or a family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving program, USAA SafePilot.

Pros
  • Affordable premiums

  • Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study

Cons
  • Exclusively available to active military members, veterans, and their families

  • No 24/7 phone support

Read more driver reviews of USAA
Ronald - July 17, 2024
Verified

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Connie - July 17, 2024
Verified

Great Company, Great Employees

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

John - July 16, 2024
Verified

Good

Invest more in customer service and less in advertising.

How to get the cheapest car insurance in Richmond

Your insurance rates will vary based on several factors, including your location, age, driving history, credit, and more. You can expect your insurance rates to increase if you demonstrate a higher risk in one of these areas.

If you’re in the market for cheap car insurance in Richmond, the following tips can help you get the best rates on your policy:

  • Compare quotes. The Insurance Information Institute recommends gathering quotes from at least three insurers. Make sure the quotes you compare are for the same types of coverage for the most accurate comparisons.

  • Seek out discounts. Insurance companies offer deals for good driving, bundling insurance products, being a member of an affiliated group, and more. You can even stack discounts for additional savings on your policy.

  • Maintain a good driving record. Whether you have a speeding ticket or a DUI, incidents can cause your rates to increase substantially. Try to avoid incidents, as insurers offer the best rates to people with a clean driving record.

  • Increase your deductible. Choosing a higher deductible can lower your overall premiums. Be sure you can pay for the deductible so you can get coverage.

  • Drive a safe car. The type of car you drive can influence your rates. Insuring a motor vehicle with advanced safety features can qualify you for discounts or rate reductions.

Find Cheap Car Insurance in Richmond

Liability quotes start at $57 per month

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Cheapest liability-only car insurance in Richmond: Auto-Owners

If you cause an accident, liability-only insurance covers the costs incurred by the other person’s property damage and bodily injury. Since this policy only covers the basics, you can expect your premiums to remain low, but you may face high out-of-pocket costs after filing a claim.[2]

On average, Richmond drivers pay $184 per month for liability insurance. Here are the cheapest companies offering liability-only coverage in Richmond.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$57
State Farm$60
GEICO$68
National General$71
Safeco$83
Allstate$87
State Auto$88
Travelers$97
Progressive$98
Clearcover$107
Liberty Mutual$110
Nationwide$127
CSAA$142
Shelter$156
Bristol West$166
The General$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Richmond: Auto-Owners

Liability-only insurance only covers the other party’s car repairs and medical costs if you’re at fault in an accident. Full-coverage policies handle the costs of your vehicle damages as well, regardless of fault.

A full-coverage policy includes liability, collision, and comprehensive coverage. Collision coverage pays for your vehicle repairs after an accident, and a comprehensive auto policy will compensate you for losses and damages from theft, weather-related damages, and other non-collision incidents.

You may want a full-coverage policy if you drive frequently or live in a high-risk location. If you have a lease or loan on your car, your lender will likely require you to purchase this coverage.

The average cost of full-coverage insurance in Richmond is $263 per month. Here are the cheapest average rates for full-coverage insurance in Richmond.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$93
State Farm$97
GEICO$110
National General$111
Safeco$135
Allstate$141
State Auto$155
Travelers$157
Progressive$158
Clearcover$180
Nationwide$205
Liberty Mutual$210
CSAA$213
Shelter$252
Bristol West$334
The General$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Kentucky

Kentucky drivers must carry a minimum amount of bodily injury and property damage liability coverage.[3]

Because Kentucky is a “choice no-fault state,” you must file a claim with your insurer after an accident, regardless of fault. Therefore, you must also obtain personal injury protection (PIP) coverage. Through your PIP coverage, your insurer will cover medical payments, lost wages, and more for you and your passengers following an accident.

You’ll find the minimum state requirements in Kentucky below:

CoverageMinimum 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 these additional coverages can bolster your protection on the road:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    In the event of an accident, collision insurance covers the costs of your vehicle damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers costs associated with non-collision incidents, including theft, severe weather, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If the at-fault party doesn’t have enough insurance, uninsured/underinsured motorist insurance will cover the gaps.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    A rental car can help you get around while your vehicle is at the shop for repairs, and this coverage can pay for some of these costs.

Cheapest car insurance for drivers with an incident

Driving incidents such as speeding tickets, driving under the influence, or at-fault accidents can cause your rates to increase. As your risk as a driver increases, insurers adjust rates accordingly.

Insurers associate incidents on your driving record with an increased likelihood of having an accident and filing a claim. Richmond drivers with a past incident pay an average of $241 per month for liability insurance.

Drivers with a clean record tend to earn the most affordable insurance rates.[4]

Cheapest recent rates near Richmond, Kentucky

Recent Richmond, Kentucky car insurance prices for Honda, Hyundai, Volkswagen , and more.

*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

If you exceed the speed limit and get pulled over, you’ll typically face an initial fine and an increase in your insurance rates. Other incidents can make your insurance rates increase more than a single speeding ticket.

On average, Richmond drivers with a speeding ticket pay $253 per month for liability insurance. Compare liability insurance quotes from several insurance companies below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$57$73
State Farm$60$76
GEICO$68$87
National General$71$90
Safeco$83$107
Allstate$87$111
State Auto$88$122
Travelers$97$125
Progressive$98$125
Clearcover$107$138
Liberty Mutual$110$154
Nationwide$127$163
CSAA$142$185
Shelter$156$207
Bristol West$166$210
The General$233$301
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Without sufficient insurance coverage after an accident, you may have to pay out of pocket for vehicle repairs and medical expenses, depending on the accident. Additionally, an accident can result in a substantial increase in your premiums, particularly if you caused it.

But if you have an at-fault accident on your record, you can still find affordable coverage on your auto insurance policy. The average cost of liability car insurance for Richmond drivers with a past accident is $256 per month.

Here are some of the cheapest liability insurance rates in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$57$75
State Farm$60$79
GEICO$68$90
National General$71$94
Safeco$83$106
Allstate$87$115
State Auto$88$127
Travelers$97$129
Progressive$98$131
Clearcover$107$151
Liberty Mutual$110$158
Nationwide$127$169
CSAA$142$196
Shelter$156$214
Bristol West$166$216
The General$233$313
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A DUI can result in serious legal and financial consequences due to the severity of the offense. Insurers adjust rates for high-risk drivers and may even choose not to offer coverage in some cases.

On average, Richmond drivers with a DUI pay $293 per month for liability car insurance. The following insurance companies offer insurance to Richmond drivers with a DUI.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$57$93
State Farm$60$98
GEICO$68$111
National General$71$116
Safeco$83$136
Allstate$87$143
State Auto$88$144
Travelers$97$159
Progressive$98$161
Clearcover$107$175
Liberty Mutual$110$180
Nationwide$127$208
CSAA$142$233
Shelter$156$256
Bristol West$166$272
The General$233$382
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

You can expect better auto rates as you age and have more experience behind the wheel. Rates decrease significantly between the ages of 25 and 35 and continue trending downward with age. But you may see a slight increase again around age 70, as age-related conditions can make senior drivers more susceptible to accidents on the road.

Senior drivers in Richmond pay $151 per month for liability insurance and $216 for full-coverage insurance, on average. The following auto insurers offer affordable coverage to senior drivers in Richmond.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners$56$34
State Farm$57$35
GEICO$70$43
National General$73$47
Progressive$82$51
Allstate$90$56
Safeco$93$57
State Auto$94$53
Travelers$99$61
Nationwide$114$70
Clearcover$122$73
CSAA$125$84
Shelter$125$77
Liberty Mutual$137$72
Bristol West$222$110
The General$270$163
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Insurers typically charge young drivers higher rates to offset the risk of their lack of driving experience. As such, teenagers generally pay the highest rates for auto insurance. Young drivers can earn better rates by staying on their parents’ policy, driving a safe vehicle, or earning good grades to get a policy discount.

Teens can also shop for insurance companies that offer competitive rates for their age group, such as the ones below. On average, teens in Richmond pay $338 per month for liability insurance and $483 for full-coverage insurance.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners$161$99
State Farm$167$103
GEICO$176$109
National General$217$139
Allstate$251$155
State Auto$279$158
Safeco$283$174
Travelers$286$177
Progressive$288$179
CSAA$353$236
Clearcover$353$210
Nationwide$356$221
Liberty Mutual$390$204
Shelter$438$271
Bristol West$576$286
The General$630$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Richmond car insurance quotes by credit tier

Insurance companies in Kentucky can use your credit history to assign your policy premiums. An excellent or good credit score indicates that you’re less likely to file a claim, which can result in lower rates. Meanwhile, a poor credit score indicates that you’re more likely to file a claim and can result in increased premiums.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Richmond?

Richmond drivers pay higher premiums than the national average rate of $105 per month for liability coverage and $214 for full coverage. Rates can vary by city and ZIP code within Kentucky, but drivers in the state pay $292 per month, on average, for full-coverage insurance and $186 for liability coverage.

Kentucky drivers face higher rates due to a risk of tornadoes in the area that increases the chance of property damage. And car insurance tends to cost more in no-fault states because each drivers insurer must cover costs following an auto accident, regardless of fault.

Drivers in Kentucky cities with high crime rates and traffic congestion may pay higher premiums than Richmond drivers. For example, drivers in Louisville pay significantly higher rates for car insurance than in Richmond.

More cities in Kentucky

On average, drivers in Richmond pay $184 per month for liability car insurance and $263 for full-coverage insurance. Compare the average cost of car insurance for drivers in other Kentucky cities.

CityLiability OnlyFull Coverage
Bowling Green$163$271
Elizabethtown$190$318
Florence$106$214
Henderson$172$303
Lexington$168$283
Louisville$288$398
Madisonville$156$249
Owensboro$133$202
Paducah$171$306
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Richmond car insurance FAQs

Looking for the right amount of coverage from the best insurer for you can feel overwhelming. The information below should help you navigate the process of finding car insurance in Richmond.

  • How much is car insurance in Richmond?

    On average, Richmond drivers pay $263 per month for full coverage and $184 for liability coverage. Your specific rate depends on your driving record, age, credit history, chosen coverage, and more.

  • Which company has the cheapest car insurance in Richmond?

    Auto-Owners has the cheapest liability insurance in Richmond, with a rate of $57 per month. State Farm and GEICO also offer cheap car insurance in Richmond, with respective monthly liability insurance rates of $60 and $68.

  • What are the best car insurance companies in Richmond?

    State Farm is the best car insurance company in Richmond, due to its Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and affordable coverage. Other top insurers include USAA, GEICO, and Auto-Owners.

  • What causes rates to increase in Kentucky?

    Location-based factors like population, traffic congestion, crime rates, and weather can affect rates in different Kentucky cities and ZIP codes. Unfortunately, the state is prone to tornadoes, so insurers likely account for the added risk when determining premiums for Kentucky drivers.

  • Is Kentucky a no-fault state?

    Yes. Kentucky is one of three “choice no-fault states.” This means drivers must purchase basic PIP coverage, and all drivers in the state have accepted tort rights — limitations on their rights to sue and be sued — unless rejected in writing and filed with the Kentucky Department of Insurance.

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
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.

Sources

  1. Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Kentucky Transportation Cabinet. "Mandatory Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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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