On average, car insurance in Paducah costs $103 per month for minimum liability coverage, or about $148 per month for full-coverage insurance. Paducah drivers pay 17% less the

Arkansas

state average.

It’s hard to find

cheap car insurance in Kentucky

, let alone in Paducah! 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!

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 25, 2023	State Auto	$156	Samuel, 38 Zip: 42003	Nissan Frontier King Cab LE	• State Minimum Liability • Comp / Collision
September 25, 2023	Allstate	$83	Henry, 27 Zip: 42003	Chevrolet Equinox LS	• State Minimum Liability
September 16, 2023	Travelers	$209	Miguel, 29 Zip: 42003	Ford Fusion SE	• 50,000/100,000 Liability • Comp / Collision
September 9, 2023	Safeco	$106	Evelyn, 57 Zip: 42003	RAM 1500 Sport	• State Minimum Liability • Comp / Collision
September 7, 2023	Progressive	$297	Linnie, 43 Zip: 42001	Mitsubishi Outlander Sport ES	• State Minimum Liability • Comp / Collision

Last Updated Sep 25, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Paducah

There is no single best car insurance company in Paducah 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 Paducah rate different companies on a scale of 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.

Best cheap car insurance quotes in Paducah

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 Paducah

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:

$25,000 of

bodily injury liability (BIL)

insurance per person

$50,000 of total bodily injury coverage per accident

$25,000 of

property damage liability coverage

per accident

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.

Progressive

Sally (33 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Chevrolet Sonic LT

$80

per month

Travelers

Dylan (32 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

Nissan Altima 2.5

$140

per month

Allstate

Henry (27 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

Chevrolet Equinox LS

$83

per month

Safeco

Evelyn (57 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

RAM 1500 Sport

$106

per month

Do you need more than minimum coverage in Paducah?

Most drivers in Paducah 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 Paducah

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 Paducah full coverage quotes that Jerry’s agents helped our customers obtain.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$297	Linnie, 43 Zip: 42001	Mitsubishi Outlander Sport ES
• 50,000/100,000 Liability • Comp / Collision	Allstate	$202	Katharine, 25 Zip: 42003	Chevrolet Silverado C1500
• 50,000/100,000 Liability • Comp / Collision	Travelers	$209	Miguel, 29 Zip: 42003	Ford Fusion SE
• State Minimum Liability • Comp / Collision	Safeco	$106	Evelyn, 57 Zip: 42003	RAM 1500 Sport

Last Updated Sep 26, 2023

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.

"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.

Lower my car insurance too!

Average cost of car insurance in Paducah

Based on Jerry’s work with drivers in Paducah, we’ve found that the average annual cost minimum liability coverage is $1,233 each year. That works out to about $103 per month. For full coverage, Paducah drivers typically pay $1,770 per year or $148 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.

Average cost of car insurance in Paducah by zip code

What’s the lowest you can go? Insurance premiums for minimum liability coverage in Paducah start at $103 per month, while full coverage policies start at about $148. If you’d like your rates to look more like these, make sure to compare plenty of car insurance quotes to find the right price.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
42001	$87	$155
42003	$75	$119

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Car insurance quotes in Paducah by rating factors

Insurance companies in Paducah 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 Paducah?

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 Paducah:

Cheap car insurance quotes in Paducah 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 Paducah after DUI

In Paducah,

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 Paducah drivers find affordable auto insurance rates after a DUI.

Bristol West

Emily (23 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Chevrolet Blazer

$113

per month

Clearcover

Rosetta (36 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Ford F250 Super Duty

$78

per month

Cheapest car insurance in Paducah after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. For Paducah 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 Paducah drivers save on car insurance after accidents.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$80	Roxie, 33 Zip: 42001	Chevrolet Sonic LT	• State Minimum Liability
Not At Fault	Safeco	$108	Flora, 29 Zip: 42001	Hyundai Sonata GLS	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Allstate	$202	Alan, 25 Zip: 42003	Chevrolet Silverado C1500	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 24, 2023

Cheapest car insurance in Paducah 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 Paducah—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.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$124	Carlos, 54 Zip: 42001	Ford F150 Supercrew	• State Minimum Liability
Improper Passing	Clearcover	$78	Eugene, 36 Zip: 42001	Ford F250 Super Duty	• State Minimum Liability

Last Updated Sep 26, 2023

Cheap car insurance quotes in Paducah 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 Paducah for young drivers

Teen drivers

aged 16 to 19 pay the highest insurance rates out of any age group in Paducah. 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.

Progressive

Estelle (24 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Infiniti G37

$196

per month

Safeco

Lula (19 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

Ford Fusion Titanium

$150

per month

Clearcover

Johnny (24 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

Hyundai Elantra SE

$263

per month

Cheapest car insurance in Paducah 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.

Safeco

Luella (70 years old)

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Chrysler PT Cruiser Touring

$87

per month

Cheap car insurance quotes in Paducah 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.

Progressive

Brian (43 years old)

Currently Insured

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Mitsubishi Outlander Sport ES

$297

per month

Travelers

Jon (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Paducah, KY (Zip Code: 42003)

Ford Fusion SE

$209

per month

Allstate

Grace (27 years old)

Currently Insured

Coverage

State Minimum

Paducah, KY (Zip Code: 42003)

Chevrolet Equinox LS

$83

per month

Nationwide

Derek (29 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Paducah, KY (Zip Code: 42001)

Honda CR-V LX

$103

per month

Mercury

Ryan (52 years old)

Currently Insured

Coverage

State Minimum

Paducah, KY (Zip Code: 42001)

Jeep Compass Latitude

$90

per month

Over 3,500,000 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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Cheap car insurance quotes in Paducah 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 Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$80	Cameron, 33 Zip: 42001	Chevrolet Sonic LT	• State Minimum Liability
660 - 750	Bristol West	$99	Sue, 33 Zip: 42001	Chevrolet Sonic LT	• State Minimum Liability
550 - 659	Safeco	$106	Lora, 57 Zip: 42003	RAM 1500 Sport	• State Minimum Liability • Comp / Collision
< 550	Progressive	$297	Troy, 43 Zip: 42001	Mitsubishi Outlander Sport ES	• State Minimum Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheap car insurance quotes in Paducah for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance.

The cheapest cars to insure

have low repair costs, great security systems, and excellent safety ratings.

Popular car models in Paducah include:

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Paducah

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.

Compare car insurance quotes now

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.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

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.

MORE:

How to choose a car insurance deductible

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Paducah?

People living in Paducah pay on average $103 per month – or $1,233 per year – on state-minimum liability coverage. Full coverage in Paducah costs on average $148 per month of $1,770 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 Paducah?

Based on thousands of Paducah drivers Jerry has worked with, car insurance in Paducah costs an average of $103 per month for state-minimum coverage and $148 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 Paducah?

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 Paducah 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 Paducah, Kentucky?

The state-minimum car insurance in Paducah, 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

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.