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Cheapest car insurance in Owensboro, Kentucky (Nov 2024)
Cheapest car insurance in Owensboro, Kentucky (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Owensboro, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Owensboro
- Best car insurance companies in Owensboro
- Best cheap car insurance quotes in Owensboro
- Average cost of car insurance in Owensboro
- Car insurance quotes in Owensboro by rating factors
- How do different factors impact your car insurance costs in Owensboro?
- Cheap car insurance quotes in Owensboro after driving violations
- Cheap car insurance quotes in Owensboro by age
- Cheap car insurance quotes in Owensboro based on insurance history
- Cheap car insurance quotes in Owensboro for popular cars
- How to lower car insurance costs in Owensboro
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Owensboro
In Owensboro, Kentucky, the average monthly cost for minimum liability car insurance is $78, while full coverage insurance averages about $135 per month. Rates in this area are 44% less than the
Kentucky
state average.Finding affordable car insurance in Owensboro, Kentucky, can be a challenge due to the variety of insurance companies and products available. The cheapest option may be hidden among your huge variety of choices.
To find the best car insurance in Owensboro KY that fits your needs and budget, streamline the shopping process with
Jerry
. With Jerry, you can view custom quotes from top companies in your area. Pick the cheapest and sign up to switch—it’s that easy.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $116 | Hunter, 27 Zip: 42301 | Dodge Charger SE | • State Minimum Liability |
| Allstate | $173 | Jonathan, 29 Zip: 42303 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $196 | Edna, 39 Zip: 42303 | GMC Canyon | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $101 | Hattie, 36 Zip: 42303 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
Clearcover | $75 | Rosie, 29 Zip: 42303 | Ford Escape XLS | • State Minimum Liability |
Last Updated Nov 20, 2024Best car insurance companies in Owensboro
In Owensboro, Kentucky, the best car insurance company is totally unique to you and your coverage needs. But there’s some data that can help you make your decision.
A recent nationwide Jerry survey asked 15,000 policyholders to rate companies on criteria like policy cost and customer service.
In Kentucky, major carriers like
GEICO
and State Farm
garnered mixed reviews for both policy cost and customer service. On the other hand, smaller insurers like Aspire Advantage
and National General
received top ratings overall. Take a look at the table below to see the ratings provided by Owensboro drivers for various vehicle insurance companies, on a scale from 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer 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 |
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.
Best cheap car insurance quotes in Owensboro
In Kentucky, all drivers are legally obligated to maintain minimum
liability insurance
and basic personal injury protection (PIP)
coverage. It is essential to get a policy that satisfies
state insurance laws
so you can safeguard your own assets and other people’s expenses if you get into an accident. Failing to acquire and uphold insurance for a vehicle in Kentucky may lead to severe consequences, like fines up to $1,000, jail time up to 90 days, and registration revocation. Cheap minimum liability insurance quotes in Owensboro
In Kentucky, drivers must adhere to specific minimum insurance coverage. These coverages include
liability
and PIP. Mandatory liability coverage in Kentucky is 25/50/25, which means:
- $50,000 of total bodily injury coverage per accident
Alternatively, auto owners in Kentucky can opt for a single policy limit of $60,000 to satisfy the legal requirement to show financial responsibility.
The second type of required coverage is PIP, or personal injury protection. All car insurance policies in Kentucky include $10,000 of basic PIP benefits which covers you and your loved ones in the vehicle. By accepting these benefits, drivers agree to limit their right to sue other drivers for any bodily injury under $1,000.
Be aware that Kentucky is a "choice
no-fault state
.” This means Owensboro drivers can reject PIP coverage and the associated limitations on their right to sue by submitting the Kentucky No-Fault Rejection Form
.Whatever car insurance in Owensboro KY you choose, you can join other drivers in using Jerry to find the best rate for your preferred coverage.
Hunter (27 years old)
$116
per month
Hattie (36 years old)
$101
per month
Willie (43 years old)
$108
per month
Do you need more than minimum coverage in Owensboro?
In Owensboro, most drivers find they need more than the state's minimum liability coverage of 25/50/25, as required by Kentucky's car insurance laws.
Here’s why: If you're at fault in an accident, you’re responsible for bills and repairs—even if the cost goes beyond your 25/50/25 policy limits. If someone is seriously injured or if their car is totaled, your policy probably can’t cover a long hospital stay or a brand new car.
Note that
Kentucky’s car accident laws
allow drivers to sue for bodily injury and property damage up to two years after an accident. This means that your responsibility doesn't end with the incident.As a result, Owensboro drivers should consider higher liability coverage limits like 50/100/50 or 100/300/100, even if they decide not to get full coverage for their car.
Cheap full coverage car insurance quotes in Owensboro
Full coverage car insurance is essential for protecting your vehicle from repair or replacement costs. Liability policies only pay for damage to other people and their property.
Full coverage
includes liability insurance, along with add-on insurances. The typical selections for a full coverage policy are:- Comprehensivecoverage: This covers non-collision damage like theft, vandalism, and natural disasters.
While full coverage tends to cost more, it provides added peace of mind, and will not only protect your vehicle, but also your assets and future income. Keep in mind that financed vehicles can be subject to full coverage requirements if the lender deems it necessary, even though the state of Indiana doesn’t require full coverage.
Along with collision and comprehensive insurance, drivers should also consider including additional coverage options, such as
roadside assistance
or rental reimbursement
to their full coverage policy for optimal protection.Jerry can help you find a full coverage plan that fits your budget. Check out these real rates from Owensboro drivers.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $127 | Ernest, 21 Zip: 42301 | Dodge Caliber SXT |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $173 | Jonathan, 29 Zip: 42303 | Ford Mustang |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $196 | Edna, 39 Zip: 42303 | GMC Canyon |
• State Minimum Liability • Comp / Collision | Nationwide | $101 | Hattie, 36 Zip: 42303 | Ford Explorer XLT |
• 50,000/100,000 Liability • Comp / Collision | Electric | $127 | Delia, 40 Zip: 42303 | Toyota Corolla L |
Last Updated Nov 17, 2024Save yourself some time by using a comparison tool like
Jerry
to find your best policy. It’s a free mobile app that pulls custom quotes based on your location, your vehicle, and your desired policy.
"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 Owensboro
In Owensboro, the average annual cost for minimum liability coverage is $941, which amounts to around $78 per month. Owensborodrivers typically pay $1,619 annually or $135 monthly for full coverage.
Understanding average insurance rates is helpful, but know that many factors affect your individual rate. Your make and model, driving record, claims history, and demographics will either raise or lower your rate.
Average cost of car insurance in Owensboro by zip code
Knowing the average rate in your area can provide insight into what you can expect to pay. But you’re not average, so your rates probably won’t be either.
Your zip code is a very important factor in determining your rates. There are four zip codes associated with Owensboro. Even if you had a twin across town, their zip code alone might lower or raise their rates.
Check out these rates by zip code in your area.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
42301 | $109 | $210 |
42303 | $68 | $132 |
Car insurance quotes in Owensboro by rating factors
Many aspects of your life can affect your premiums. Here are some common ratings factors that insurance companies in Owensboro take into account when
calculating rates
: - Your driving record and claims history: Insurance rates may increase if you have a history of accidents or traffic violations.
- Your age: If you're under 25, insurance can cost more because young drivers don't have as much driving experience.
- The kind of car you own: Owning a luxury car or sports car might mean you have to pay more for insurance because these vehicles cost more to fix.
- Where you store your car: If you park your car in a place where lots of accidents happen or claims are filed, insurance can cost more.
- How you use your car: If you use your car to commute to work every day, insurance might be more expensive than if you just use it for leisure drives on weekends.
How do different factors impact your car insurance costs in Owensboro?
How do different factors impact your car insurance costs in Owensboro?
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 Owensboro:
Cheap car insurance quotes in Owensboro after driving violations
Auto insurance quotes are affected by your driving record in Kentucky. Insurance providers assess the risk you present for future incidents based on past violations. That’s why a history of violations can result in higher rates.
Common violations in Owensboro that lead to increased insurance costs include:
Cheapest car insurance in Owensboro after DUI
Got a
DUI in Owensboro
? You’re probably going to be labeled as a risky driver
and your insurance rates will skyrocket. Of course, the cost of car insurance after a DUI can vary significantly depending on the insurance company you choose. That’s why it's important to compare rates from different companies to find affordable options.
If you’re an Owensboro driver with a DUI, you can find affordable rates with Jerry.
Tillie (28 years old)
$149
per month
Clearcover
Katie (49 years old)
$320
per month
Cheapest car insurance in Owensboro after an at-fault accident
Your car accident or claim history is one of the most crucial factors influencing your car insurance rates. In Owensboro, causing a car accident is likely to lead to an increase in rates. That’s because Kentucky follows an at-fault system.
However, you still have options for saving money and finding coverage. Jerry has helped Owensboro with accidents on record to reduce their car insurance costs. Check it out.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $342 | Carl, 33 Zip: 42301 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
Not At Fault | Allstate | $173 | Gavin, 28 Zip: 42303 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $83 | Madge, 29 Zip: 42301 | Ford Fusion SE | • State Minimum Liability |
Last Updated Nov 15, 2024Cheapest car insurance in Owensboro after other driving violations
Facing speeding tickets, DUIs, or reckless driving charges in Kentucky is scary and can make lowering your rates seem like an impossible task.
To find budget-friendly rates in Owensboro after a driving violation, use a licensed insurance broker. Brokers specialize in locating suitable coverage at competitive prices. Jerry is a
legit
way to access broker expertise for free via a mobile app.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $148 | Eliza, 23 Zip: 42301 | Toyota Scion FR-S | • State Minimum Liability |
Careless Driving | Safeco | $138 | Caleb, 27 Zip: 42303 | Chevrolet Blazer | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | Clearcover | $118 | Alan, 45 Zip: 42303 | Chevrolet Astro | • State Minimum Liability |
Last Updated Nov 20, 2024Cheap car insurance quotes in Owensboro by age
Typically, drivers aged between 25 and 65 enjoy the lowest car insurance expenses. If you're a teenager or senior driver outside this range, here's what you need to know about finding affordable coverage in Owensboro.
Cheapest car insurance in Owensboro for young drivers
In Owensboro,
teen drivers
aged 16 to 19 face the highest insurance rates among all age groups. Remaining on a parent's policy is the most effective way to keep rates affordable until the teen ages out of this high-risk bracket.Teen car owners should consider full coverage to enjoy more financial security, especially if they drive newer vehicles—and use Jerry to find cheaper rates.
Marguerite (21 years old)
$140
per month
Virgie (23 years old)
$277
per month
Cheapest car insurance in Owensboro for senior drivers
Senior drivers
pose a heightened risk to insurance companies, too. This elevated risk stems from seniors’ increased likelihood of being involved in accidents and their susceptibility to severe injuries in a car accident. Insurance providers face the potential burden of significant medical expenses and heightened costs for seniors, so they tend to charge higher rates for these drivers to offset costs. Jerry has helped seniors in Owensboro Kentucky find coverage.
Roy (82 years old)
$96
per month
Micheal (84 years old)
$73
per month
Cheap car insurance quotes in Owensboro based on insurance history
The price you pay for car insurance is influenced by your insurance history, especially whether you've previously had coverage or experienced a
gap in coverage
.Generally, a longer history of insurance coverage results in lower premiums. Insurers will also assess your record to identify any gaps in coverage, which, depending on their duration, may classify you as a "high-risk driver" and lead to increased premiums.
Whether or not you currently have coverage, Jerry can help you find the most affordable policy.
Gertrude (21 years old)
$258
per month
Julian (34 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Owensboro, KY (Zip Code: 42301)
Mitsubishi Galant FE$143
per month
Sylvia (34 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Owensboro, KY (Zip Code: 42301)
Mitsubishi Galant FE$97
per month
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Haven
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Ibrahim
Cheap car insurance quotes in Owensboro for drivers with poor credit
Having a low credit score can make it harder to find affordable rates in Kentucky.
Insurers check credit reports to see how likely you are to make a claim. They’ve noticed that low-credit drivers tend to file more claims. Even if your driving record is clean, a low credit score can lead to higher premiums.
In fact, Kentucky drivers with poor credit (<600) may face rates nearly double those of drivers with good credit (700+). However, the impact of credit scores on premiums varies among insurers. Take a look at these rates sorted by credit score.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $96 | Celia, 81 Zip: 42301 | Toyota Camry CE | • State Minimum Liability |
660 - 750 | Allstate | $173 | Douglas, 28 Zip: 42303 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Bristol West | $73 | Sue, 84 Zip: 42301 | Mercedes-Benz GLC 300 4matic | • State Minimum Liability |
550 - 659 | Safeco | $66 | Adam, 24 Zip: 42303 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
< 550 | Progressive | $342 | Harriett, 33 Zip: 42301 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheap car insurance quotes in Owensboro for popular cars
Some cars cost less to repair and replace after an accident, and some are less vulnerable to theft or accidents because of their safety and security features. These
models usually cost less
to insure.Here are some of the most common car models in Owensboro:
And here are the corresponding rates real drivers in Owenboro found using Jerry:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 SLT | Progressive | $123 | Lucas, 61 Zip: 42301 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota RAV4 Adventure | Clearcover | $262 | Ian, 26 Zip: 42303 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Owensboro
1. Shop around and compare quotes
Formulas for calculating rates change often. Every time your policy is up for renewal, you should shop around to see if another company offers a better rate.
Experts say you should pull quotes every six months. It’s easy with Jerry. All you need is 45 seconds and you’ll view prices for top companies in your area. If you find a cheaper rate, tap to switch and save.
2. Hunt for car insurance discounts
Most companies offer a
range of discounts
and insurance products to help drivers lower rates. Some are called the same name at each company, even though the discount percentage varies. Here are some of the most common:- Good driver discounts. If you have a clean driving record with few or no accidents, you could get a discount. You’ll have to have zero points on your license to qualify.
- Telematics discounts. Some companies offer discounts if you use technology to track your driving habits. This is usually an app installed on your phone.
- Good student discounts. If you're a full-time high school or college student with good grades (B average or better), you might qualify for this discount.
- Bundlingdiscounts. You could save money by getting both home insurance and auto insurance from the same company. Besides homeowners insurance, you can usually bundle life insurance and renters insurance with auto, too.
Ask insurance agents directly about what’s available, as all discounts aren’t always advertised publicly.
3. Increase your deductible for comprehensive and collision coverage
If you can afford a higher out-of-pocket deductible, bumping it up can lower your monthly premium. You don’t lose any coverage but you save a few bucks with full coverage.
FAQ
How much is car insurance in Owensboro?
In Owensboro, drivers typically pay about $78 per month (or $941 per year) for state-minimum coverage. Full coverage in Owensboro is about $135 per month, totaling $1,619 yearly.
Premiums vary greatly from one driver to the next. Shop around for quotes to get an accurate idea of what you might pay based on your unique driver profile and your insurance needs.
What is the cheapest car insurance in Owensboro?
Local data indicates that $78 per month is the average cost for state-minimum insurance. $135 per month is the average cost for full coverage.
Different insurance companies have different prices, so the cheapest one will vary from driver to driver—and year to year. By comparing quotes every six months, you can find the best deal for you.
What is the best car insurance in Owensboro?
Clearcover,
Mapfre
, and Metlife receive good ratings from Owensboro drivers, based on a recent survey of real policyholders. The best company for you might not be on this list, though. Compare quotes and companies with Jerry. Remember to consider a variety of criteria, like claims handling performance and customer service ratings in addition to policy cost. Do you prefer a company with a local agent or do you like managing your policy completely via app?
What is the minimum car insurance in Owensboro, Kentucky?
All Owensboro drivers must carry at least 25/50/25 in liability coverage. That’s $25,000 per person and $50,000 per accident in bodily injury liability plus $25,000 per accident in property damage liability. All Kentucky policies include $10,000 of PIP (personal injury protection), too.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.