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Jerry Data & Research
Cheapest car insurance in Barbourville, Kentucky (Nov 2024)
Cheapest car insurance in Barbourville, Kentucky (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Barbourville, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Barbourville
- How to find the cheapest car insurance in Barbourville
- Best cheap car insurance quotes in Barbourville
- Average cost of car insurance in Barbourville
- Car insurance quotes in Barbourville by rating factors
- How do different factors impact your car insurance costs in Barbourville?
- Cheap car insurance quotes in Barbourville after driving violations
- Cheap car insurance quotes in Barbourville by age
- Cheap car insurance quotes in Barbourville based on insurance history
- Cheap car insurance quotes in Barbourville for popular cars
- How to lower car insurance costs in Barbourville
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Barbourville
Finding
the best auto insurance company
in Barbourville comes down to what matters most to you: affordability, reliability, or customer service.Jerry set out to find the top providers by conducting the largest insurance shopping survey in the country. The survey asked over 15,000 policyholders to rate their insurance providers in five categories and to share their thoughts.
Major insurance providers like AAA, Travelers, and State Farm in Barbourville, KY ranked the highest for overall cost and customer satisfaction.
To see what Kentucky drivers thought of other auto insurance companies, take a look at the table below.
Insurance Company | Overall Jerry rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
4.5 | $1,559 | $646 | |
Clearcover | 4.6 | $1,598 | $725 |
4.5 | $2,047 | $708 | |
4.4 | $2,227 | $974 | |
4.1 | $2,448 | $1,283 |
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 Barbourville
In Barbourville, the average cost of
car insurance
is around $136 per month for state minimum coverage and $261 for full coverage. Motorists in Barbourville pay approximately 22% more than the rest of the Bluegrass State.Finding
affordable Kentucky car insurance
can be challenging, especially in Barbourville. Dozens of auto insurance companies offer hundreds of products, making it hard to uncover the most budget-friendly option. A licensed insurance broker can do all the comparison shopping and bargain-hunting for you.
Jerry
fetches free quotes in less than a minute without the need for a phone call or a long questionnaire.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $138 | Brent, 72 Zip: 40906 | Dodge Journey SE | • State Minimum Liability • Comp / Collision |
| AAA | $369 | Wesley, 43 Zip: 40906 | Hyundai Tucson SEL | • State Minimum Liability • Comp / Collision |
| Safeco | $134 | Carlos, 28 Zip: 40906 | Ford Fusion SEL | • State Minimum Liability |
Clearcover | $208 | Fred, 48 Zip: 40906 | KIA K5 GT Line | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best cheap car insurance quotes in Barbourville
In Kentucky,
state law
mandates a minimum amount of liability insurance
and personal injury protection (PIP)
coverage for every driver. Failing to buy and maintain a legal auto insurance policy could mean you lose your vehicle registration, pay a fine of up to $1,000, and spend 90 days in jail.Cheap minimum liability insurance quotes in Barbourville
The state of Kentucky requires all car owners to carry both liability insurance and personal injury protection (PIP).
The limits for liability car insurance are based on the 25/50/25 rule:
- $50,000 of bodily injury liability coverage per accident
Alternatively, you can choose to buy a liability policy with a single total limit of $60,000.
Every car insurance policy sold in Kentucky meets these requirements and includes $10,000 of PIP. PIP is a type of no-fault coverage that covers medical bills for you and your passengers. However, accepting these benefits means giving up your right to file a personal injury lawsuit for bodily injuries under $1,000.
Since Kentucky is a "choice no-fault state," you have the option to reject both PIP and the limits on your right to sue by using the
Kentucky No-Fault Rejection Form
.Whatever you choose, Jerry can assist you in finding the minimum car insurance coverage for the lowest possible price.
Brent (72 years old)
$138
per month
Clearcover
Edith (28 years old)
$124
per month
Do you need more than minimum coverage in Barbourville?
Most motorists in Barbourville will find the state's minimum insurance coverage isn’t enough.
Consider this: the medical bills of a serious car accident could easily surpass your 25k liability limit (not to mention your $10,000 PIP limit). As for property damages, check out the price of a new car and you'll see that 25K of liability won't cut it if you need to replace a total loss vehicle.
Keep in mind that
Kentucky's car accident laws
allow drivers to file a personal injury lawsuit for bodily injuries or property damages within two years after the accident. It's essential to plan for your liability coverage to stretch over the long term.The bottom line: To be on the safe side, opt for a liability insurance policy with 50/100/50 or 100/300/100 limits, and try to increase your PIP coverage as much as possible.
Cheapest full coverage car insurance quotes in Barbourville
A full-coverage auto insurance policy safeguards your car in the event of a serious accident. Full coverage includes the basic liability insurance (and PIP, if desired), plus two extra coverage options:
- Collision coveragecovers the costs of repairs or a replacement if your car gets damaged in an impact with another vehicle or a stationary object, even if it’s your fault.
- Comprehensive coveragepays for repairs or a replacement if your car suffers damage due to theft, vandalism, or weather-related incidents, such as a tree branch falling on your windshield.
Collision and comprehensive insurance may be add-ons, but they play a key role in protecting your investment. In fact, you may even be required to purchase full coverage if you have a vehicle lease or loan.
Don’t forget to check out
uninsured motorist/underinsured motorist coverage
and roadside assistance for extra protection. Below are a few examples of what Barbourville drivers paid for auto insurance coverage after browsing free quotes with Jerry.| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $138 | Brent, 72 Zip: 40906 | Dodge Journey SE |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $415 | Sophia, 27 Zip: 40906 | Nissan Rogue S |
• State Minimum Liability • Comp / Collision | AAA | $369 | Wesley, 43 Zip: 40906 | Hyundai Tucson SEL |
• State Minimum Liability • Comp / Collision | Clearcover | $208 | Fred, 48 Zip: 40906 | KIA K5 GT Line |
Last Updated Nov 21, 2024Shopping for car insurance is effortless with a
trustworthy quote comparison tool
. The Jerry app gives you a licensed insurance broker, free quotes from top providers, and a team of expert insurance agents.
"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 Barbourville
On average, Barbourville drivers spend about $136 per month or $1,632 per year on state minimum car insurance. A full coverage policy averages out to be $261 per month or $3,132 annually.
However, the average rate can’t tell you what you’ll have to pay to drive. Every driver is unique and their auto insurance rates can change based on factors like driving history, vehicle type, and driver profile.
Car insurance quotes in Barbourville by rating factors
Auto insurance providers
calculate your premiums
using a range of personal rating factors, including:- Age: If you're below 25 or over 75, your rates might be higher than average.
- Driving record and claims history: Having a history of at-fault car accidents or traffic tickets may result in higher costs.
- Parking spot: Parking your car on the street may lead to higher rates compared to securing it in a private garage or lane at night.
- Vehicle: If you own a luxury, high-performance, or sports car, you could face higher rates.
How do different factors impact your car insurance costs in Barbourville?
How do different factors impact your car insurance costs in Barbourville?
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 Barbourville:
Cheap car insurance quotes in Barbourville after driving violations
Your Kentucky driving record plays a major role in deciding your car insurance rates. Your premiums go up with every indication that you’re a high-risk driver, including:
Cheapest car insurance in Barbourville after speeding ticket
Kentucky speeding tickets generally push up your insurance rates in Barbourville. It might not be as low as your pre-speeding rates, but the Jerry app can still help you find a good deal.
Last Updated Nov 22, 2024Cheapest car insurance in Barbourville after DUI
Years of elevated insurance premiums are an often-overlooked consequence of receiving a
DUI in Kentucky
. However, that doesn’t mean every provider will charge you the same; you could find affordable auto insurance in Barbourville among top companies.
Cheapest car insurance in Barbourville after an at-fault accident
Kentucky is an at-fault state, meaning if you get into an
at-fault accident
, your insurance company has to pay for the other driver’s damages. As a result, they’ll probably charge you higher rates for several years.The best way to beat rate increases is to do some comparison shopping.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Not At Fault | Progressive | $333 | Nannie, 26 Zip: 40906 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Barbourville after other driving violations
A licensed insurance broker helps you find a budget-friendly price no matter what your driving record looks like. You can access Jerry’s insurance services across 50 states via the App Store.
Last Updated Nov 19, 2024Cheap car insurance quotes in Barbourville by age
Drivers between the ages of 25 and 75 years generally get the lowest insurance rates. But even if you fall outside of these brackets, there are still a few cost-cutting tips.
Cheapest car insurance in Barbourville for young drivers
Given that they pay the highest rates of any age group, it’s hard to find
cheap car insurance for teen drivers
in Barbourville. Adding a new driver to their parent's policy and investing in full coverage are two proven ways to save money in the long run.Adam (24 years old)
$104
per month
Cheapest car insurance in Barbourville for senior drivers
Although they have years of experience at the wheel, older drivers also have a high chance of getting into car accidents and suffering severe injuries.
The best car insurance for seniors
helps cut costs through age-appropriate discounts.Brent (72 years old)
$138
per month
Cheap car insurance quotes in Barbourville based on insurance history
Insurers consider both
car insurance lapses
and the lack of current car insurance to be red flags. They can indicate high-risk behaviors like skipping payments or driving uninsured, which leads to higher premiums.Jonathan (28 years old)
$191
per month
Clearcover
Dorothy (47 years old)
$208
per month
Over 4,000,000 customers and counting
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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.
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Ibrahim
Cheap car insurance quotes in Barbourville for drivers with poor credit
Statistics say there’s a link between a driver’s credit score and their likelihood of filing an insurance claim. The higher your credit rating, the lower your chances of filing a claim, and the less you’ll pay for auto insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $191 | Dustin, 28 Zip: 40906 | Ford Escape Titanium | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Barbourville for popular cars
The cheapest cars to insure
have low repair costs, great security systems, and high safety ratings. Here are the five top picks of Barbourville motorists:| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Chevrolet_silverado | Allstate | $76 | Joshua, 37 Zip: 40906 | • 100,000/300,000 Liability |
| Ford Ford_f-150 | Progressive | $64 | Della, 39 Zip: 40906 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024How to lower car insurance costs in Barbourville
1. Shop around and compare quotes
No two drivers share the same driver profile and the formulas used by car insurance companies to calculate your premiums are constantly evolving. To save money, experts recommend exploring your options with three to five companies every six months.
As your personal insurance broker, Jerry specializes in making
car insurance shopping
quick and painless. It takes just 45 seconds to sign up and compare quotes from top providers. 2. Hunt for car insurance discounts
You can find
car insurance discounts
with every provider by calling up and asking about their savings programs. - Auto and home insurance bundles: If you need more than one insurance product—like renters insurance or life insurance—you can bundle them with an auto policy and save money.
- Good driver discounts: If you have an accident-free driving history, you might be able to secure a discount from your current provider.
- Good student discounts: If you’re a full-time high school or college student, you might qualify for savings if you have a B average or better.
- Telematics discounts: If you go to the effort of improving your driving habits with a telematics app or device, you could reap the benefits of being a safe driver.
3. Increase your deductible for comprehensive and collision coverage
It’s possible to save money on car insurance by raising your
deductible
, but it shouldn’t be your first idea; a higher deductible puts you at a greater risk of financial instability.FAQ
Who has the cheapest car insurance in Kentucky?
Kentucky drivers voted ClearCover the cheapest car insurance company in Jerry’s survey, awarding it a score of 4.6 out of 5.0. State Farm, Safeco, and Travelers also scored top marks in the city for affordability. Just keep in mind that your insurance rates depend greatly on your driver profile.
Who’s offering the cheapest car insurance?
No single company offers the cheapest car insurance to every driver because every company (and driver) is different. Not only do your rates depend on your driver profile—which includes everything from your age to your ZIP code—but they can also change depending on how providers choose to weigh each factor.
How much is car insurance per month in Kentucky?
Car insurance costs an average of $109 to $199 per month in Kentucky. A minimum coverage policy adds up to an average of $1,308 per year, while a full coverage policy costs about $2,388 per year.
Which insurance company is usually the cheapest?
Different companies cater to different types of drivers, so the insurance company that most closely suits your driver profile is usually the cheapest. For example, poor credit drivers usually find better deals with Progressive than with other companies, while young drivers get better rates from Safeco.
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
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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.