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Cheapest car insurance in Middlesboro, Kentucky (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Middlesboro, Kentucky.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

Best car insurance companies in Middlesboro

The search for
the best auto insurance company
in Middlesboro begins with an examination of your insurance needs and priorities. 
Jerry
asked over 15,000 verified policyholders in the nation’s largest insurance shopping survey. Their answers gave a snapshot of how the biggest auto insurance providers in America perform in five different categories on a scale from 0 to 5. 
Our survey revealed that drivers leaned towards larger providers like Safeco, Progressive, and
State Farm Insurance
in Middlesboro, KY.
Insurance Company
Overall Jerry rating
Annual full coverage cost
Annual minimum coverage cost
4.5
$1,559
$646
4.4
$2,063
$886
4.2
$2,260
$1,038
4.7
$2,398
$1,044
4.5
$2,656
$944
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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.

How to find the cheapest car insurance in Middlesboro

Middlesboro motorists pay an average of $110 per month for minimum coverage
auto insurance
. Opting for full coverage takes the price to $181 per month, which is 6% cheaper than what the rest of
Kentucky
pays on average.
The
Jerry
app provides an easy way to shop for car insurance without sacrificing your chances of finding a great deal. Here are a few noteworthy deals that drivers found in Middlesboro.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$156
Howard, 20
Zip: 40965
Subaru Forester 2.5I Premium
• State Minimum Liability
Bristol West
$157
Steve, 46
Zip: 40965
Chevrolet Malibu 1LT
• State Minimum Liability
Dairyland
$201
Ronnie, 36
Zip: 40965
Chevrolet Tahoe K1500
• State Minimum Liability
coverageLast Updated Apr 16, 2024

Best cheap car insurance quotes in Middlesboro

Kentucky’s car insurance laws
require drivers to carry a minimum amount of
liability insurance
and
personal injury protection (PIP)
coverage to drive. If you don't purchase and maintain a legal auto insurance policy, you could face the loss of your vehicle registration, a fine of up to $1,000, and even 90 days in jail.

Cheap minimum liability insurance quotes in Middlesboro

The state of Kentucky makes it mandatory for auto-owners to carry both liability insurance and personal injury protection (PIP).
The limits for liability car insurance follow the 25/50/25 rule: 
Alternatively, you may also opt for a liability policy with a single total limit of $60,000.
Every car insurance policy sold in Kentucky meets the minimum limits and comes with $10,000 of PIP, a
no-fault type of coverage
that pays the medical bills for you and your passengers. These benefits come at the cost of signing away your right to file a personal injury lawsuit for any bodily injuries under $1,000.
However, since Kentucky is a "choice
no-fault state
," you can reject both PIP and the limits on your right to sue using the
Kentucky No-Fault Rejection Form
.
Regardless of your choice, Jerry can help you find the bare minimum coverage for the bare minimum price.
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Howard (20 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carSubaru Forester 2.5I Premium
$156
per month
card cover
Elijah (35 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
$168
per month
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Trevor (27 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
$128
per month
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Clearcover
Jerry (46 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carChevrolet Malibu 1LT
$159
per month

Do you need more than minimum coverage in Middlesboro?

For most drivers in Middlesboro, the state minimum insurance coverage is not enough.
For example, it’s not unusual for medical expenses after a severe car accident injury to climb beyond the minimum 25k liability limit—let alone the minimum $10,000 of PIP coverage. And you only have to look at the price tag of most new cars to see that $25,000 of property damage coverage won’t be sufficient to replace a total loss vehicle.
Don’t forget that
Kentucky’s car accident laws
allow drivers to file a personal injury lawsuit for either bodily injuries or property damages for up to two years after the accident. You must plan for your liability coverage to last over the long run.
The bottom line: Take a liability insurance policy with 50/100/50 or 100/300/100 limits just to be safe, and increase your PIP coverage as much as you can.

Cheapest full coverage car insurance quotes in Middlesboro

A
full-coverage auto insurance
policy is the best way to shield yourself from the cost of repairing or replacing your car after an accident. It includes the minimum liability insurance plus two coverage options:
  • Collision coverage
    pays for repairs or a replacement if your car is damaged in an accident with another vehicle or stationary object, even if it’s your fault.
  • Comprehensive coverage
    pays for repairs or a replacement if your car is damaged by theft, vandalism, or a weather-related incident, like a tree branch dropping on your windshield.
Collision and comprehensive insurance may be optional, additional coverages, but they go a long way toward protecting your peace of mind, not to mention your investment. A bank may even put a full coverage policy in the conditions of your vehicle lease or loan.
Besides full coverage, you might also want to look into
uninsured motorist/underinsured motorist coverage
or roadside assistance. Here are a few examples of what Middlesboro drivers paid for extra protection after searching for free quotes with Jerry:
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$112
Mayme, 28
Zip: 40965
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
AAA
$164
Gabriel, 48
Zip: 40965
Honda Accord LX
• State Minimum Liability
• Comp / Collision
Clearcover
$114
Leroy, 35
Zip: 40965
Chevrolet Tahoe K1500
coverageLast Updated Apr 18, 2024
Online quote comparison tools make auto insurance shopping a breeze. With Jerry, you can have a
licensed insurance broker
do the comparison shopping for you while knowing there’s a team of insurance agents ready to answer your questions.
Lower my car insurance too!

Average cost of car insurance in Middlesboro

Jerry’s data shows that Middlesboro drivers pay an average of $1,320 each year for minimum coverage car insurance. The same data shows an average cost of $2,172 per year for full coverage.
Still, knowing what the average Middlesboro driver pays per month can’t tell you what your costs will be. That’s because every driver is different, and their rates can go up or down depending on their driving history, motor vehicle, and driver profile.

Car insurance quotes in Middlesboro by rating factors 

When you ask for a quote for Middlesboro insurance, the insurer will
calculate your rates
using various rating factors in your driver profile, including:
  • Your age: You’ll pay more if you’re below 25 or over 75.
  • Your driving record and claims history: You’ll pay more if you’ve got a history of at-fault car accidents or traffic tickets.
  • Your parking spot: You’ll pay more if you park your car in a street than if you secure it in a private garage or lane at night.
  • Your vehicle: You’ll pay more if you own a luxury, high-performance, or sports car.

How do different factors impact your car insurance costs in Middlesboro?

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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 Middlesboro:

Cheap car insurance quotes in Middlesboro after driving violations

Insurance providers never leave your
Kentucky driving record
out of their rate calculations. You’ll pay more if you’re a
high-risk driver
with a history of:

Cheapest car insurance in Middlesboro after speeding ticket

A
Kentucky speeding ticket
usually comes with a fine and higher car insurance rates in Middlesboro. Comparing rates with Jerry can help you make the most of a bad situation.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$71
Christian, 30
Zip: 40965
Dodge Dakota
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Travelers
$70
Alma, 39
Zip: 40965
Oldsmobile Bravada
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 19, 2024

Cheapest car insurance in Middlesboro after DUI

A
DUI in Kentucky
comes with several consequences, not least of which are sky-high premiums for several years. 
However, some providers don’t charge as much as others for this particular offense. Here are a few ideas of where to start looking for affordable auto insurance in Middlesboro, courtesy of Jerry customers with a past DUI:
card cover
Kate (37 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
$61
per month
card cover
Frederick (34 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMiddlesboro, KY
(Zip Code: 40965)
$81
per month

Cheapest car insurance in Middlesboro after an at-fault accident

Kentucky is an at-fault state. If you
cause an accident
, your insurance company has to pay for the other driver’s damages, and you’ll have to pay higher auto insurance premiums for years as a result. 
Don’t quit driving until you’ve compared prices in Middlesboro; you could land on a deal like these Jerry customers did:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Allstate
$80
Lucinda, 31
Zip: 40965
Jeep Commander
• 100,000/300,000 Liability
At Fault With No Injury
Progressive
$69
Rosa, 37
Zip: 40965
BMW 750
• 50,000/100,000 Liability
coverageLast Updated Apr 19, 2024

Cheapest car insurance in Middlesboro after other driving violations

A licensed insurance broker can help you shop for insurance no matter what your driving record looks like. Jerry’s insurance services are available across the country on the App Store.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Nationwide
$63
Cordelia, 35
Zip: 40965
Honda Insight
• 50,000/100,000 Liability
Defective Equipment
Safeco
$59
Katie, 34
Zip: 40965
Lincoln MKX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 19, 2024

Cheap car insurance quotes in Middlesboro by age

The lowest auto insurance rates are generally reserved for drivers between 25 and 75 years of age. If you fall outside the sweet spot, there are a few things you can do to bring your annual premiums down.

Cheapest car insurance in Middlesboro for young drivers

It’s not easy finding
cheap car insurance for teen drivers
when they pay the highest rates of any age group in Middlesboro. The most cost-effective insurance option is usually to add a new driver to their parent’s policy and to invest in full coverage to cover any mistakes.
card cover
Howard (20 years old)
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carSubaru Forester 2.5I Premium
$156
per month

Cheapest car insurance in Middlesboro for senior drivers

They may have years of experience behind the wheel, but older drivers face an increased risk of getting into car accidents and suffering severe injuries.
The best car insurance for seniors
offers safe driving and low-mileage bonuses.
card cover
Owen (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMiddlesboro, KY
(Zip Code: 40965)
$48
per month
card cover
Emily (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationMiddlesboro, KY
(Zip Code: 40965)
$49
per month

Cheap car insurance quotes in Middlesboro based on insurance history

Insurance providers may charge higher rates if you’ve had a
car insurance lapse
in the past or you’re currently uninsured. Both can be a sign of high-risk behaviors.
card cover
Gary (20 years old)
Currently Insured
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carSubaru Forester 2.5I Premium
$156
per month
card cover
Bruce (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
$128
per month
card cover
Chase (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
$157
per month
card cover
Clearcover
Craig (46 years old)
Currently Insured
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carChevrolet Malibu 1LT
$159
per month
card cover
Phillip (46 years old)
Currently Insured
coverageCoverage
State Minimum
locationMiddlesboro, KY
(Zip Code: 40965)
carChevrolet Malibu 1LT
$157
per month

How to lower car insurance costs in Middlesboro

1. Shop around and compare quotes

Not only do driver profiles vary between individuals, but the formulas that car insurance companies use to calculate your premiums always change. Experts recommend
shopping for insurance
with at least three to five different companies every six months to stay on top of local insurance prices.
Jerry specializes in helping drivers make quick, free quote comparisons. It takes our insurance agency just a few minutes to compare quotes from top providers and show you the best deals.

 2. Hunt for car insurance discounts

Every provider offers at least a few
car insurance discounts
, but they don’t all have the same savings programs. Here are a few common deals to look for:
  • Auto and homeowners bundles
    : If your needs extend to renters or home insurance—or health insurance—consider bundling insurance products to save money.
  • Good driver discounts: If you’re a safe driver with few violation points or at-fault accidents in your driving history, you might qualify for a reward.
  • Good student discounts: If you’re a full-time student in high school or college, see if you can get a discount for maintaining a B average or better.
  • Telematics discounts: If you don’t mind installing a telematics app or device, you could reap the benefits of safe driving (or even simply signing up!).

3. Increase your deductible for comprehensive and collision coverage

While it shouldn’t be your first choice, you can raise your full coverage insurance deductible to save some extra money in a pinch. Just make sure that you increase to a number you can comfortably afford.

FAQ

Who has the cheapest car insurance in Kentucky?

In Jerry’s survey, State Farm, Safeco, and Progressive were voted as some of the cheapest car insurance providers in Kentucky. While many drivers rated its policy costs highly, rates still mostly depend on individual driver factors.

Who normally has the cheapest car insurance?

No single company normally has the cheapest car insurance, because car insurance rates aren’t standardized. Your premiums are decided by hundreds of individual factors—from your credit score to your ZIP code—and you have to compare rates between different companies to find the best deal for you.

How much is car insurance in Kentucky per month?

Minimum coverage car insurance in Kentucky costs an average of $109 per month or $1,308 per year. Full coverage car insurance costs an average of $199 per month or $2,392 per year.

Why is car insurance so expensive in Kentucky?

The main reasons car insurance is so expensive in Kentucky are the state’s above-average rate of motor vehicle crash fatalities and uninsured drivers. The IIHS reports that almost
17 motorists per 100,000 residents lose their lives in Kentucky
, while
nearly 14% of drivers go uninsured
, both of which increase the risks and costs of driving in the Bluegrass State.

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
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
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
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.