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Jerry Data & Research
Cheapest car insurance in Grayson, Kentucky (Apr 2024)
Cheapest car insurance in Grayson, Kentucky (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Grayson, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Best car insurance companies in Grayson
- How to find the cheapest car insurance in Grayson
- Best cheap car insurance quotes in Grayson
- Average cost of car insurance in Grayson
- Car insurance quotes in Grayson by rating factors
- How do different factors impact your car insurance costs in Grayson?
- Cheap car insurance quotes in Grayson after driving violations
- Cheap car insurance quotes in Grayson by age
- Cheap car insurance quotes in Grayson based on insurance history
- Cheap car insurance quotes in Grayson for popular cars
- How to lower car insurance costs in Grayson
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Grayson
Choosing the perfect car insurance company in Grayson isn't a one-size-fits-all deal. Rates hinge on a myriad of factors, making the most budget-friendly choice unique to each driver.
Jerry orchestrated a major insurance survey nationwide to help drivers find cheap rates.
Major players such as GEICO and State Farm earned mixed feedback from drivers regarding policy costs and customer service. Some drivers may find that State Farm in Grayson KY is indeed the cheapest rate, but it’s not guaranteed.
However, Grayson drivers rated smaller insurers like Mapfre and Dairyland excellent over all categories. Companies like Kentucky Automotive in Grayson KY weren’t included in this survey, but they may offer good rates for some driver profiles.
Check out how Grayson drivers evaluated various popular companies, ranging from 0 to 5, along with their average full and minimum coverage costs.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Customer service score | Overall Jerry score |
|---|---|---|---|---|
$75 | $154 | 4.2 | 4.2 | |
$132 | $197 | 4.7 | 4.7 | |
$45 | $148 | 4 | 4.3 | |
$63 | $167 | 4.1 | 4 | |
$16 | $212 | 4.5 | 4.6 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance in Grayson
In Grayson, car insurance averages around $89 monthly for basic coverage and roughly $163 for full coverage. That's approximately 19% less than Kentucky’s state average.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $169 | Ruby, 28 Zip: 41143 | Hyundai Sonata GLS | • State Minimum Liability |
| AAA | $215 | Jay, 28 Zip: 41143 | KIA Forte LX | • State Minimum Liability • Comp / Collision |
| Kemper | $63 | Marcus, 62 Zip: 41143 | Chevrolet Silverado K1500 | • State Minimum Liability |
| Dairyland | $143 | Ian, 31 Zip: 41143 | Pontiac Torrent | • State Minimum Liability |
Last Updated Apr 23, 2024Best cheap car insurance quotes in Grayson
In Kentucky, it's non-negotiable to carry bare minimum liability insurance and basic
personal injury protection (PIP)
coverage. Skipping out on this can trigger a whopping $1,000 fine and the possibility of 90 days in jail.Stick to
Kentucky’s insurance rules
. This is about being legal but it’s also about protecting yourself in the event of an accident. Cheap minimum liability insurance quotes in Grayson
Here’s a breakdown of Kentucky car insurance rules. First up, the mandatory 25/50/10
liability coverage
:- $50,000 total bodily injury coverage per accident
Every Kentucky auto policy also includes $10,000 of basic PIP benefits.
Now, there's an alternative. In Kentucky, you can opt to purchase a single policy limit of $60,000 instead of the minimum coverage option. With a single policy, you get the benefits, but this deal also includes a restriction: you limit your right to sue for injuries under $1,000.
If you don’t like that deal, you can use the
Kentucky No-Fault Rejection Form
to reject PIP coverage in this "choice no-fault state.”Jerry can help you find the lowest-rate policy, no matter what coverage you pick.
Ruby (28 years old)
$169
per month
Winifred (35 years old)
$69
per month
Clearcover
Josie (26 years old)
$132
per month
Do you need more than minimum coverage in Grayson?
Kentucky laws require 25/50/10 minimum insurance, but let’s be real—life’s unpredictable.
A serious fender-bender could leave you with bills soaring beyond those policy limits, especially if the other driver files a claim. The cost of a new car alone could cost $40,000 (much higher than the $10,000 property damage limit). You’re still legally on the hook for these costs, even if your policy doesn’t cover them.
In Kentucky,
car accident laws
mean that your liability actually extends for two years after the accident. Make sure you have enough protection by opting for as much liability coverage as you can afford. Experts recommend 50/100/50 or 100/300/100 liability coverage. Full coverage gives you even more protection because it offers your vehicle coverage as well.
Cheap full coverage car insurance quotes in Grayson
Shield yourself from the bumps and scrapes of Grayson roads with
full coverage
car insurance. These policies protect your vehicle, whereas liability coverage only pays for damages you cause to others.- Collision coverage: Insures your vehicle in the event of a collision, regardless of fault. This covers repair or replacement costs up to the vehicle's actual cash value.
- Comprehensive coverage: Covers damage to your vehicle not caused by a collision. This includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While it might add a bit to your annual premium, the peace of mind with full coverage is worth it. If you're financing your car, it's usually a requirement.
Jerry can tailor a full-coverage plan to suit your budget and needs. Take a look at recent quotes Jerry agents found for full coverage in Grayson.
To find the cheapest car insurance that suits your needs, comparing rates online is the fastest way. Jerry, a
top insurance agency
, offers a free app to compare quotes and get assistance from over 100 licensed insurance agents.| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $100 | Anthony, 32 Zip: 41143 | Chevrolet Malibu LS |
• State Minimum Liability • Comp / Collision | AAA | $215 | Jay, 28 Zip: 41143 | KIA Forte LX |
• State Minimum Liability • Comp / Collision | Safeco | $75 | Luella, 25 Zip: 41143 | Chevrolet Malibu 1LT |
• State Minimum Liability • Comp / Collision | Bristol West | $153 | Don, 42 Zip: 41143 | Jeep Compass Latitude |
Last Updated Apr 24, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Grayson
Jerry has found that the annual price for minimum liability coverage is around $1,063, which is roughly $89 each month. For full coverage, Grayson residents typically pay $1,958 per year or approximately $163 monthly.
While average rates provide insight, the personalized nature of premiums depends on factors like car type, driving record, claims history, and demographics. In other words, your rate probably won’t be average—it’ll be higher or lower.
Car insurance quotes in Grayson by rating factors
Insurance providers here in Grayson take into account several factors when
determining the cost
of your auto insurance.- Your age: If you're below 25, you're likely to face higher premiums. This is because insurance companies perceive younger drivers as having less experience on the road, making them a higher risk.
- The type of car: Luxury, high-performance, and sports cars generally incur higher costs for collision and comprehensive insurance coverage. Higher trim levels usually come with higher rates, too.
- Location: If you regularly leave it in a neighborhood with a high frequency of auto insurance claims, you can anticipate higher rates. Plus, urban areas with higher population density tend to have higher accident rates.
- Driving record and claims history: Expect higher premiums if you've been involved in accidents or received traffic tickets.
- Usage: Using your vehicle for commuting to and from work may result in higher premiums compared to using it solely for leisure purposes.
How do different factors impact your car insurance costs in Grayson?
How do different factors impact your car insurance costs in Grayson?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Kentucky currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Grayson:
Cheap car insurance quotes in Grayson after driving violations
Your auto insurance quotes in Kentucky are influenced by your driving record. If you have a history of violations, insurance providers consider you a higher risk and will charge you more.
Common violations that might raise your insurance rates include:
Remember, these infractions can significantly affect the cost of your insurance.
Cheapest car insurance in Grayson after speeding ticket
Here in Grayson, getting a speeding ticket tends to bump up your car insurance rate.
Jerry has helped local drivers with speeding tickets to cut down on their car insurance expenses.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Safeco | $66 | Olga, 37 Zip: 41143 | RAM Promaster | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Progressive | $77 | Dean, 35 Zip: 41143 | Mitsubishi Endeavor | • State Minimum Liability |
Last Updated Apr 26, 2024Cheapest car insurance in Grayson after DUI
A
DUI in Kentucky
not only messes with your insurance rates but also tags you as a high-risk driver
. With a DUI on your record, you’ll pay higher car insurance rates at pretty much every company.It's crucial to shop around and compare rates from multiple insurance companies if you've got a DUI conviction. Jerry has been the go-to resource for numerous Grayson drivers. Check out these affordable auto insurance rates after a DUI in Kentucky.
Cheapest car insurance in Grayson after an at-fault accident
Your car accident or claim history carries serious weight when it comes to determining car insurance rates. In Grayson, causing car accidents could lead to an increase in rates.
Kentucky follows an at-fault system. So if you've recently been at fault in an accident, brace yourself for a potential surge in your car insurance rates.
Grayson drivers have used Jerry to find savings on car insurance even after an at-fault accident.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $169 | Emily, 28 Zip: 41143 | Hyundai Sonata GLS | • State Minimum Liability |
Not At Fault | Bristol West | $99 | Thomas, 32 Zip: 41143 | Ford Fiesta SE | • State Minimum Liability |
At Fault With No Injury | Allstate | $153 | Nathan, 42 Zip: 41143 | Jeep Compass Latitude | • State Minimum Liability • Comp / Collision |
Last Updated Apr 22, 2024Cheapest car insurance in Grayson after other driving violations
If you've got speeding tickets, DUIs, or reckless driving in Kentucky on your record, bringing down your rates might feel tough. But a licensed insurance broker in Grayson can help you find affordable options, like Jerry did for the drivers below.
Last Updated Apr 23, 2024Cheap car insurance quotes in Grayson by age
Low car insurance costs generally favor drivers aged 25 to 75. If you're a teen or a senior outside this range, here's how to navigate and optimize your insurance based on your age.
Cheapest car insurance in Grayson for young drivers
In Grayson and elsewhere,
teen drivers
between 16 and 19 face the highest insurance rates among all age groups. They have less experience behind the wheel and higher accident rates than other groups.Opting for full coverage is the best strategy for financial protection, especially if the teen is driving a newer car. Teens can also keep rates low by staying on a parent's insurance policy.
Lena (22 years old)
$181
per month
Cheapest car insurance in Grayson for senior drivers
Seniors
, like teenage drivers, pose increased risk to insurers due to more frequent accidents and higher potential for severe injuries. Their higher medical costs after an accident mean an increased financial burden for insurance providers, which they pass on to their older customers.Cheap car insurance quotes in Grayson based on insurance history
Your insurance history dictates your premium. The longer you've been insured, the lower it will probably be.
Lapses
make you a "high-risk driver," boosting premiums. Even a single lapse can trigger this red flag.Rodney (28 years old)
$169
per month
Clearcover
Dale (26 years old)
$132
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Absolutely perfect! Great pricing and great workers.
Haven
Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
Andrew
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
They will take care of you
Ibrahim
Cheap car insurance quotes in Grayson for drivers with poor credit
Insurers rely on credit reports to gauge the likelihood of a driver filing a claim. Typically, the lower the credit score, the higher the insurance cost.
While your driving habits may not align with your credit score, Grayson drivers with lower scores tend to pay higher premiums.
In Kentucky, drivers with poor credit may encounter rates around 93% higher than those with good credit. However, the impact of your credit score on premiums can differ among auto insurance companies so you should pull quotes from several companies to learn more.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $109 | Sylvia, 29 Zip: 41143 | Toyota Scion TC | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $109 | Lydia, 29 Zip: 41143 | Toyota Scion TC | • State Minimum Liability • Comp / Collision |
550 - 659 | Bristol West | $69 | Dora, 35 Zip: 41143 | Dodge Dakota SXT | • State Minimum Liability |
< 550 | Progressive | $169 | Frederick, 28 Zip: 41143 | Hyundai Sonata GLS | • State Minimum Liability |
Last Updated Apr 26, 2024Cheap car insurance quotes in Grayson for popular cars
The car you drive significantly affects your insurance costs. The most
economical cars to insure
boast low repair expenses, top-notch security systems, and stellar safety ratings.In Grayson, popular car models include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Silverado K1500 Custom | Progressive | $192 | Tony, 24 Zip: 41143 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 22, 2024How to lower car insurance costs in Grayson
1. Shop around and compare quotes
Insurance companies use many factors to calculate premiums, and these criteria can vary significantly. To get the most budget-friendly car insurance, experts suggest comparing quotes from at least three to five companies and reviewing rates every six months when your policy is up for renewal. You can do it with an insurance agent, or an insurance broker, like Jerry.
2. Hunt for car insurance discounts
Insurance companies present various discounts, but the specifics vary. Here are some common
car insurance discounts
offered by most companies:- Bundling discounts:Bundleyour auto and home insurance (or auto and renters insurance) with the same company, and you could get a discount on both homeowners insurance and car insurance.
- Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good driver discounts: Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
3. Increase your deductible for comprehensive and collision coverage
Raising your deductible is a straightforward method to reduce monthly expenses while maintaining full coverage car insurance. Only do this if you can honestly afford the higher out-of-pocket payment.
FAQ
How much is car insurance in Grayson?
Grayson drivers typically pay around $89 per month or $1,063 per year for state-minimum liability coverage. For full coverage, the average is $163 per month or $1,958 per year.
Car insurance isn't one-size-fits-all. Your premium will vary significantly from the average figure based on your driver profile, coverage preferences, and provider of choice.
What is the cheapest car insurance in Grayson?
Jerry’s survey found that car insurance in this area averages around $89 per month for state-minimum coverage and $163 per month for full coverage. Cheap companies include National General, Aspire Advantage, and GEICO.
What is the best car insurance in Grayson?
While finding the best coverage at the right price is crucial, don't overlook the importance of customer service when selecting an insurance company.
What is the minimum car insurance in Grayson, Kentucky?
25/50/10 is the minimum required liability coverage in Grayson. That’s $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage. You’re also required to carry uninsured motorist coverage with the same limits.
How much is car insurance in Kentucky per month?
The average rate in the state of Kentucky is about $109 per month for minimum coverage, or $198 for full coverage. Rates change from town to town, however. Rural areas tend to enjoy cheaper premiums due to lower population density and decreased accident rates, for instance.
Who has the cheapest car insurance in Kentucky?
Travelers, State Farm, and smaller local insurance companies tend to offer the most competitive rates to Kentucky drivers. However, the only way to find the best rate for you is to pull custom quotes based on your unique driver profile. There is no single best “cheapest” company for all Kentucky drivers.
Is Kentucky car insurance high?
Rates in Kentucky are lower than the national average, but if you’ve recently experienced higher than average costs, it could be due to the following reasons: Traffic fatality rates are higher in Kentucky than in many other states, and car theft rates and the percentage of uninsured drivers are also higher.
Is it illegal to not have car insurance in KY?
It’s against the law to drive without proper coverage in Kentucky. You must be able to show proof of coverage when registering a car, when pulled over, or when you get in an accident. Possible penalties for driving without coverage in Kentucky include registration suspension, jail time, and financial penalties up to $1,000.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
