Affordable Car Insurance Rates in Central City, KY (2024)
Car insurance rates in Central City, KY are $343/month on average. By law, Kentucky drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Central City car insurance companies to get the coverage you need at the best rates available.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Central City, KY for senior drivers are $2,322/year
- The cheapest car insurance company in Central City for teen drivers is USAA
- Average car insurance rates in Central City, KY are $343/month
Average car insurance rates in Central City, Kentucky are $343 a month. But with a little research you can get a great deal from the top car insurance companies in Central City, KY. Before you buy Central City, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.
It may even be helpful to compare Central City car insurance rates with Frankfort car insurance rates, Covington car insurance rates, or Nicholasville car insurance rates to make sure you’re getting the best Central City, KY car insurance quotes available.
Need affordable Central City, KY car insurance? Enter your ZIP code to compare Central City car insurance quotes from multiple car insurance companies near you.
Table of Contents
Central City, KY Minimum Car Insurance Coverage
Central City, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Central City, KY Car Insurance Rates by Coverage Level
Some Central City drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Central City, Kentucky car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,032 | $5,344 | $5,713 |
| Geico | $3,993 | $4,208 | $4,492 |
| Liberty Mutual | $4,813 | $5,017 | $5,317 |
| Nationwide | $3,908 | $3,801 | $3,826 |
| Progressive | $3,841 | $4,085 | $4,465 |
| State Farm | $3,238 | $3,413 | $3,603 |
| Travelers | $3,931 | $4,166 | $4,344 |
| USAA | $2,673 | $2,783 | $2,910 |
Central City, KY Car Insurance Rates by Age, Gender, and Marital Status
Central City, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Central City, KY car insurance, get quotes from multiple car insurance companies in the Central City area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,096 | $3,070 | $2,788 | $2,972 | $11,246 | $12,625 | $3,450 | $3,658 |
| Geico | $3,469 | $3,214 | $3,608 | $3,267 | $6,831 | $8,150 | $2,841 | $2,465 |
| Liberty Mutual | $2,756 | $2,986 | $2,351 | $2,623 | $11,311 | $12,495 | $2,880 | $2,993 |
| Nationwide | $2,787 | $2,798 | $2,519 | $2,640 | $6,037 | $7,550 | $3,132 | $3,296 |
| Progressive | $2,024 | $1,933 | $1,806 | $1,822 | $9,570 | $10,813 | $2,508 | $2,567 |
| State Farm | $2,101 | $2,101 | $1,880 | $1,880 | $6,368 | $8,029 | $2,344 | $2,641 |
| Travelers | $1,814 | $1,846 | $1,776 | $1,782 | $8,410 | $13,475 | $1,891 | $2,181 |
| USAA | $1,887 | $1,905 | $1,693 | $1,740 | $4,875 | $5,165 | $2,398 | $2,644 |
Central City, KY Car Insurance Rates for Teens
How much is Central City, Kentucky car insurance for teens? Compare rates from top Central City car insurance companies below to help find the cheapest teen car insurance in Central City, KY.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,246 | $12,625 |
| Geico | $6,831 | $8,150 |
| Liberty Mutual | $11,311 | $12,495 |
| Nationwide | $6,037 | $7,550 |
| Progressive | $9,570 | $10,813 |
| State Farm | $6,368 | $8,029 |
| Travelers | $8,410 | $13,475 |
| USAA | $4,875 | $5,165 |
Central City, KY Car Insurance Rates for Seniors
Before seniors buy Central City, Kentucky car insurance, they should make sure to shop around. Some Central City, KY car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,788 | $2,972 |
| Geico | $3,608 | $3,267 |
| Liberty Mutual | $2,351 | $2,623 |
| Nationwide | $2,519 | $2,640 |
| Progressive | $1,806 | $1,822 |
| State Farm | $1,880 | $1,880 |
| Travelers | $1,776 | $1,782 |
| USAA | $1,693 | $1,740 |
Central City, KY Car Insurance Rates by Credit History
How does your credit history affect Central City, KY car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,097 | $4,901 | $4,091 |
| Geico | $6,955 | $3,473 | $2,264 |
| Liberty Mutual | $7,224 | $4,430 | $3,494 |
| Nationwide | $4,672 | $3,666 | $3,197 |
| Progressive | $4,631 | $4,021 | $3,740 |
| State Farm | $4,941 | $2,984 | $2,329 |
| Travelers | $4,621 | $3,918 | $3,902 |
| USAA | $4,165 | $2,317 | $1,884 |
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Central City, KY Car Insurance Rates by Driver History
How does a single speeding ticket affect your Central City, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Central City.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,462 | $5,800 | $6,170 | $5,021 |
| Geico | $2,508 | $4,482 | $6,862 | $3,070 |
| Liberty Mutual | $4,209 | $6,475 | $5,037 | $4,477 |
| Nationwide | $3,060 | $3,953 | $4,997 | $3,369 |
| Progressive | $3,420 | $5,042 | $3,902 | $4,157 |
| State Farm | $3,118 | $3,719 | $3,418 | $3,418 |
| Travelers | $3,627 | $3,729 | $5,350 | $3,882 |
| USAA | $2,103 | $2,980 | $3,541 | $2,530 |
Central City, KY Car Insurance Rates With a DUI
Even a single DUI can increase your Central City, KY car insurance rates. Compare rates below to see which Central City car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,170 |
| Geico | $6,862 |
| Liberty Mutual | $5,037 |
| Nationwide | $4,997 |
| Progressive | $3,902 |
| State Farm | $3,418 |
| Travelers | $5,350 |
| USAA | $3,541 |
Central City, KY Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Central City, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Central City companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,363 | $5,363 |
| Geico | $4,191 | $4,270 |
| Liberty Mutual | $5,049 | $5,049 |
| Nationwide | $3,845 | $3,845 |
| Progressive | $4,131 | $4,131 |
| State Farm | $3,337 | $3,499 |
| Travelers | $4,147 | $4,147 |
| USAA | $2,683 | $2,894 |
Central City, KY Cheapest Car Insurance Rates
How do the top Central City, Kentucky car insurance companies’ average rates stack up against the Central City average monthly car insurance rates of $343? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Central City, KY Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Central City, Kentucky car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,363 |
| Geico | $4,231 |
| Liberty Mutual | $5,049 |
| Nationwide | $3,845 |
| Progressive | $4,131 |
| State Farm | $3,418 |
| Travelers | $4,147 |
| USAA | $2,789 |
Other Factors Affecting Central City, KY Car Insurance Rates
Before you buy Central City, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Central City, KY Commute Time
How does your Central City, KY commute time compare with the average driver? In Central City, the average commute is 20.9 minutes.
Central City, KY Car Insurance Quotes
Compare Central City, KY car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.