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Cheapest car insurance in Beaver Dam, Kentucky (Jul 2024)

The average cost of insurance in Beaver Dam, KY ranges from $66/month for minimum coverage and $127/month for full coverage. Smart shopping can help you save.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Beaver Dam

On average, car insurance in Beaver Dam costs $66 per month for minimum liability coverage, or about $127 per month for full-coverage insurance. Beaver Dam drivers pay more than the
Kentucky
state average. 
It’s hard to find
cheap car insurance in Kentucky
, let alone in Beaver Dam! There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).
Just ask
Jerry
to find it! Jerry captures your policy details with just a few questions and fetches quotes with the lowest rates in less than a minute. Finding
cheap car insurance
has never been easier—no phone calls or research required!
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$293
Christopher, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$171
Pauline, 23
Zip: 42320
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
Clearcover
$134
Allie, 41
Zip: 42320
Toyota Camry CE
• State Minimum Liability
coverageLast Updated Jul 15, 2024

Best car insurance companies in Beaver Dam

There is no single best car insurance company in Beaver Dam for everyone. Insurance rates depend on so many different factors that the most affordable provider varies from driver to driver. 
Jerry conducted the largest insurance survey in the nation to help drivers better compare the cheapest car insurance companies—and the results are surprising. 
While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General received the highest overall ratings. 
The table below shows how drivers in Beaver Dam rate different companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.5
4.3
4.2
4.6
State Farm
4.1
3.2
N/A
4.2
Allstate
3.8
3.4
N/A
4
Liberty Mutual
3.7
3.4
N/A
3.8
Geico
3.7
3
3
4.1
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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.

Best cheap car insurance quotes in Beaver Dam

Kentucky car insurance law
mandates drivers to maintain minimum liability insurance along with basic
personal injury protection (PIP)
coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.
It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.   

Cheap minimum liability insurance quotes in Beaver Dam

There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is
liability car insurance
, which is referred to as 25/50/10 coverage, breaks down as follows:
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000. 
But because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form
.
No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available. 
card cover
Emma (23 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carFord Fusion SE
$143
per month
card cover
Larry (33 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carGMC Sonoma
$105
per month
card cover
Clearcover
Allie (41 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carToyota Camry CE
$134
per month

Do you need more than minimum coverage in Beaver Dam?

Most drivers in Beaver Dam need higher liability coverage than the 25/50/25 state minimum mandated by Kentucky car insurance laws. 
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can easily climb above $40,000—well past that $25,000 property damage limit. 
It’s important to note that
Kentucky’s car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! 
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to protect your car with full coverage. 

Cheap full coverage car insurance quotes in Beaver Dam

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. 
  • Collision coverage
    insures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.
  • Comprehensive coverage
    covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals. 
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
The table below shows some recent examples of the cheapest Beaver Dam full coverage quotes that Jerry’s agents helped our customers obtain.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$293
Christopher, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$102
Erik, 53
Zip: 42320
Mercury Grand Marquis GS
• State Minimum Liability
• Comp / Collision
Bristol West
$171
Pauline, 23
Zip: 42320
Ford Fusion SE
coverageLast Updated Jul 15, 2024
The best and quickest way to find the cheapest car insurance for your chosen coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, provides a free app that compares car insurance quotes and offers end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Beaver Dam

Based on Jerry’s work with drivers in Beaver Dam, we’ve found that the average annual cost minimum liability coverage is $792 each year. That works out to about $66 per month. For full coverage, Beaver Dam drivers typically pay $1,524 per year or $127 per month. 
Researching average insurance rates can help you predict your insurance costs. Still, it's important to note that each driver's insurance premium is calculated based on many factors, like the car type, driving record, claims history, and demographics. 

Car insurance quotes in Beaver Dam by rating factors 

Insurance companies in Beaver Dam use many rating factors when
calculating your auto insurance premium
:  
  • Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience. 
  • The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure. 

How do different factors impact your car insurance costs in Beaver Dam?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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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 Beaver Dam:

Cheap car insurance quotes in Beaver Dam after driving violations

Your Kentucky driving record impacts your auto insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Some common violations that may raise your insurance rates include the following:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Beaver Dam after speeding ticket

In Beaver Dam, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Allstate
$67
Hunter, 35
Zip: 42320
KIA Sorento
• 50,000/100,000 Liability
Speeding 6-10
Travelers
$78
Lawrence, 41
Zip: 42320
Dodge RAM
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

Cheapest car insurance in Beaver Dam after DUI

In Beaver Dam,
a DUI violation
can raise your insurance rates and label you as a
high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. 
That means you should compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Beaver Dam drivers find affordable auto insurance rates after a DUI.
card cover
Tommy (36 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carNissan Armada SE
$236
per month
card cover
Manuel (28 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carChevrolet Impala Police
$110
per month

Cheapest car insurance in Beaver Dam after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. For Beaver Dam drivers, car accidents could result in an average rate increase.
Kentucky is an at-fault state. If you’ve recently caused an accident, your car insurance rates could skyrocket. Jerry has helped many Beaver Dam drivers save on car insurance after accidents.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$293
Randall, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Allstate
$234
Mary, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$293
Joel, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Cheapest car insurance in Beaver Dam after other driving violations

If you’ve been hit with speeding, DUI, or
reckless driving in Kentucky
, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Beaver Dam—turn to a licensed insurance broker!
A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Allstate
$83
Francisco, 39
Zip: 42320
Infiniti G35
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Progressive
$62
Calvin, 33
Zip: 42320
Infiniti Q50
• 100,000/300,000 Liability
coverageLast Updated Jul 21, 2024

Cheap car insurance quotes in Beaver Dam by age

Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or
senior driver
who falls outside these bounds, here's how to make the most of your age. 

Cheapest car insurance in Beaver Dam for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Beaver Dam. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents. But staying on a parent’s policy is the best way to keep rates low.
card cover
Emma (23 years old)
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carFord Fusion SE
$143
per month

Cheapest car insurance in Beaver Dam for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. 
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
card cover
Lillian (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaver Dam, KY
(Zip Code: 42320)
$63
per month
card cover
Larry (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaver Dam, KY
(Zip Code: 42320)
$77
per month

Cheap car insurance quotes in Beaver Dam based on insurance history

Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium. 
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums.
card cover
Max (47 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaver Dam, KY
(Zip Code: 42320)
carJeep Cherokee Latitude Plus
$293
per month
card cover
Rhoda (47 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaver Dam, KY
(Zip Code: 42320)
carJeep Cherokee Latitude Plus
$234
per month
card cover
Christopher (53 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBeaver Dam, KY
(Zip Code: 42320)
carMercury Grand Marquis GS
$102
per month
card cover
Clearcover
Milton (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carToyota Camry CE
$134
per month
card cover
Thomas (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationBeaver Dam, KY
(Zip Code: 42320)
carFord Fusion SE
$171
per month

Cheap car insurance quotes in Beaver Dam for drivers with poor credit

Unfortunately, having low credit can stop you from finding the best rates. 
Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face. 
While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums. 
On average, Kentucky drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, the degree to which your credit score affects premiums varies between auto insurance companies.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$293
Randall, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$234
Bertie, 47
Zip: 42320
Jeep Cherokee Latitude Plus
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Bristol West
$171
Zachary, 23
Zip: 42320
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

How to lower car insurance costs in Beaver Dam

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. 
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. 

 2. Hunt for car insurance discounts

Each insurance company offers
a set of discounts
, but the precise discount provided varies by company. Some standard deals include the following: 
  • 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. 
  • 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 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.

3. Increase your deductible for comprehensive and collision coverage

If you have full coverage car insurance, raising your deductible is an easy way to lower your monthly expenses without sacrificing coverage.

FAQ

How much is car insurance in Beaver Dam?

People living in Beaver Dam pay on average $66 per month – or $792 per year – on state-minimum liability coverage. Full coverage in Beaver Dam costs on average $127 per month or $1,524 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Beaver Dam?

Based on thousands of Beaver Dam drivers Jerry has worked with, car insurance in Beaver Dam costs an average of $66 per month for state-minimum coverage and $127 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Beaver Dam?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Clear Cover, Mapfre, and Metlife receive good ratings from Beaver Dam drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Beaver Dam, Kentucky?

The state-minimum car insurance in Beaver Dam, Kentucky is $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage.

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

avatar
Maria Cruz
badge icon
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.
avatar
Lina Zhang
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Licensed Insurance Agent
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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.
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Josh Damico
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Head Of Insurance Operations
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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.