Best Car Insurance in Bowling Green 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Bowling Green.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
May 13, 2021Kia Forte EX4210142Progressive$230/mo.$89/mo.
April 1, 2021Jeep Renegade Sport4210154Progressive$132/mo.$91/mo.
September 19, 2021Mercury Milan Premier4210126Bristol West$257/mo.$94/mo.
March 25, 2021Dodge Ram 1500 ST4210130Bristol West$235/mo.$148/mo.
July 7, 2021Ford Fusion SEL4210122Bristol West$200/mo.$150/mo.
Here’s more information about what impacts the insurance rates in your Bowling Green.

How much does car insurance cost in Bowling Green?

Car insurance in Bowling Green, Kentucky costs single-car drivers an average of $2,440 annually, or about $203 per month. Compared to the state annual average of $2,960, auto insurance in Bowling Green is $520 lower cheaper.
Bowling Green is a midsize city in southern Kentucky. It’s home to the Corvette Museum and hits the list of the top 100 best places to live in the United States. Thankfully for residents, Bowling Green also has relatively affordable car insurance rates.
Still, having to find the best policy for you can be difficult—so let Jerry do the work for you! Jerry is a super app that helps with all your car-related needs, including insurance.
Here, Jerry is breaking down everything you need to know about car insurance in Bowling Green.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Bowling Green$2,352$1,633$2,228$1,217--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Bowling GreenNational Average
All Coverage Before Jerry
$2,352$3,223
All Coverage After Jerry
$1,633$2,143
Minimum Coverage Before Jerry
$2,228$3,086
Minimum Coverage After Jerry
$1,217$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Bowling Green

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Have pride in your football team and your car! The best way to ensure reliable insurance is to sign up with a great insurance company.
AAA, USAA, and Nationwide are all popular choices among drivers in Bowling Green.
That said, the best provider for you may vary depending on factors like your age, vehicle, driving record, and discount eligibility.
Here’s what drivers pay with some insurance providers in Bowling Green before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$3,600$888Compare Prices
Progressive$2,114$690Compare Prices
Safeco$1,786$510Compare Prices
State Auto$1,368$66Compare Prices
Nationwide$2,052$18Compare Prices
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What kind of car insurance you need in Bowling Green

In Bowling Green, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Kentucky, drivers must demonstrate financial responsibility before getting on the road. Typically, this involves liability insurance following 25/50/25 limits, plus PIP. This breaks down as follows:
You must also carry proof of insurance coverage and a vehicle registration when driving in Kentucky.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While the mandatory minimums will get you by a traffic stop, they won’t protect your car after an at-fault accident. For that, you’ll need to purchase additional insurance.
Here are some add-ons that could benefit drivers in Bowling Green:
FactorRecommended coverageDescription
Car accidentsCollision insuranceAccidents in Kentucky are more frequent than the national average. If you hit someone or something while driving, this policy covers vehicular damages.
Uninsured driversUninsured/underinsured motorist coverageAbout 14% of drivers in Kentucky are uninsured. If you’re in an accident with one of them, this will cover your property damage, medical bills, and more.
Inclement weatherComprehensive coverageComprehensive insurance pays for damage to your vehicle that isn’t the result of a collision, like severe thunderstorms or flooding.
Road debrisRoadside assistanceBowling Green is a big football town—which means litter on the streets after games. If you end up with a popped tire, roadside assistance will have your back.

What determines your car insurance cost in Bowling Green

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Bowling Green, you could be paying as much as $37 more per month than an adult driver. These are average rates for Jerry customers in Bowling Green broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,223$992
21-24$2,752$493
25-34$2,668$953
35-44$1,948$565
45-54$2,179$716
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Bowling Green with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,527$799
Speeding under 15$1,788$556
Careless Driving$3,960$318
Leaving scene of an Accident/Hit and Run$3,960$318
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Where in Bowling Green you live

It may seem like insurance rates in Bowling Green should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Bowling Green, residents of 42101 will have the most expensive car insurance rates, while people who live in 42103 and 42104 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Bowling Green:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 14, 202142103Honda Insight EXKY40ClearCover$150/mo.$77/mo.
September 19, 202142101Mercury Milan PremierKY26Bristol West$257/mo.$94/mo.
June 10, 202142104Ford Fusion SELKY50Safeco$220/mo.$116/mo.
October 3, 202142104Buick VeranoKY20Progressive$250/mo.$205/mo.
September 28, 202142101Cadillac ATS LuxuryKY22Allstate$300/mo.$212/mo.
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Why is car insurance in Bowling Green so expensive?

A variety of considerations determine baseline car insurance rates in Bowling Green. Insurance companies often consider the following:

Higher car accident rates

Car accidents in Bowling Green are nothing new and Kentucky has an extremely high accident rate. If rates in Bowling Green start to creep up, car insurance rates will reflect that added risk.

Vandalism

Emotions tend to run high after football games. If vandalism increases and starts resulting in claims, car insurance rates will likely go up.

How can you save money on car insurance in Bowling Green?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts to help reduce your car insurance costs even further. Common ones in Bowling Green include the following:
DiscountDescription
Defensive drivingMost companies offer a discount if you complete an approved defensive driving course.
Passive restraintsIf your car has airbags and other safety features, you may be eligible for a safety discount.
PaperlessSome insurers offer discounts when you agree to receive your bills and documents exclusively online.
New carPurchasing a new car can get you a discount, depending on the carrier.
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