Cheap Quotes for Beaver Dam, KY Car Insurance (2021)

Beaver Dam, Kentucky car insurance rates average $338 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Beaver Dam, KY companies, you can find cheap Beaver Dam car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • The cheapest car insurance company in Beaver Dam is USAA
  • Beaver Dam has an average commute time of 22.7 minutes
  • Average car insurance rates in Beaver Dam, KY are $338/month

How do the Beaver Dam, Kentucky monthly average car insurance rates of $338/month compare to nearby cities like Florence car insurance rates, Henderson car insurance rates, and Covington car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Beaver Dam, KY.

We’ll cover the Kentucky minimum coverage requirements, Kentucky car insurance laws, and Beaver Dam, KY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Beaver Dam, Kentucky companies to find the most affordable Beaver Dam car insurance rates.

Enter your ZIP code above to find cheap Beaver Dam, KY car insurance quotes today.

What are the minimum Beaver Dam, KY car insurance requirements?

To meet Kentucky minimum car insurance coverage requirements, Beaver Dam, KY drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Beaver Dam, Kentucky

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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How do age, gender, and marital status affect Beaver Dam, KY car insurance rates?

Three of the criteria that most affect car insurance rates in Beaver Dam, Kentucky are age, gender, and marital status. Let’s take a look at how each of these stack up with top Beaver Dam car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Beaver Dam, Kentucky

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 $3,245 $3,232 $2,907 $3,103 $11,482 $12,892 $3,651 $3,885
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,655 $2,874 $2,281 $2,540 $10,910 $12,026 $2,761 $2,846
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,111 $2,016 $1,880 $1,897 $9,978 $11,285 $2,619 $2,689
State Farm $2,044 $2,044 $1,828 $1,828 $6,152 $7,766 $2,280 $2,563
Travelers $1,630 $1,658 $1,599 $1,603 $7,464 $11,944 $1,698 $1,950
USAA $1,808 $1,817 $1,625 $1,660 $4,763 $5,030 $2,289 $2,513

How much do teen drivers pay for car insurance in Beaver Dam, KY?

Beaver Dam, Kentucky car insurance rates for teens are often higher than rates for other drivers. Compare Beaver Dam car insurance rates from multiple Beaver Dam, Kentucky car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Beaver Dam, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,482 $12,892
GEICO $6,831 $8,150
Liberty Mutual $10,910 $12,026
Nationwide $6,037 $7,550
Progressive $9,978 $11,285
State Farm $6,152 $7,766
Travelers $7,464 $11,944
USAA $4,763 $5,030

How much do senior drivers pay for car insurance in Beaver Dam, KY?

With a little research, seniors can find affordable car insurance in Beaver Dam, Kentucky. Here’s a look at how the top Beaver Dam car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Beaver Dam, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,907 $3,103
GEICO $3,608 $3,267
Liberty Mutual $2,281 $2,540
Nationwide $2,519 $2,640
Progressive $1,880 $1,897
State Farm $1,828 $1,828
Travelers $1,599 $1,603
USAA $1,625 $1,660

How does coverage level affect Beaver Dam, KY car insurance rates?

How much coverage do you need? Are you comfortable with the Kentucky minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Beaver Dam, KY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Beaver Dam, Kentucky

Insurance Company Low Medium High
Allstate $5,222 $5,531 $5,895
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,620 $4,828 $5,137
Nationwide $3,908 $3,801 $3,826
Progressive $4,043 $4,270 $4,615
State Farm $3,132 $3,309 $3,499
Travelers $3,493 $3,709 $3,878
USAA $2,578 $2,682 $2,803

How does your driving record affect Beaver Dam, KY car insurance rates?

Safe driving pays off. The more traffic violations you have in Beaver Dam, KY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Beaver Dam, Kentucky companies.

Annual Beaver Dam, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,647 $5,999 $6,349 $5,203
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,050 $6,236 $4,850 $4,311
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,567 $5,255 $4,075 $4,340
State Farm $3,025 $3,602 $3,313 $3,313
Travelers $3,233 $3,324 $4,756 $3,459
USAA $2,027 $2,867 $3,420 $2,438

How does a DUI affect Beaver Dam, KY car insurance rates?

With even one DUI on your record, you can see an increase in your Beaver Dam, KY car insurance rates.

Annual Car Insurance Rates After a DUI in Beaver Dam, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,349
GEICO $6,862
Liberty Mutual $4,850
Nationwide $4,997
Progressive $4,075
State Farm $3,313
Travelers $4,756
USAA $3,420

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How does your credit history affect Beaver Dam, KY car insurance rates?

Take a look at the data here to see how your Beaver Dam, Kentucky car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Beaver Dam, Kentucky

Insurance Company Poor Fair Good
Allstate $7,349 $5,064 $4,235
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,947 $4,271 $3,367
Nationwide $4,672 $3,666 $3,197
Progressive $4,833 $4,194 $3,900
State Farm $4,788 $2,893 $2,258
Travelers $4,112 $3,490 $3,477
USAA $4,007 $2,237 $1,820

How does your commute affect Beaver Dam, KY car insurance rates?

Beaver Dam, KY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Kentucky can be seen here. Remember, though, that you may have to carry substantially more car insurance in Beaver Dam if you’re financing.

Annual Car Insurance Rates by Commute Length in Beaver Dam, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,550 $5,550
GEICO $4,191 $4,270
Liberty Mutual $4,862 $4,862
Nationwide $3,845 $3,845
Progressive $4,309 $4,309
State Farm $3,234 $3,392
Travelers $3,693 $3,693
USAA $2,588 $2,788

Who has the cheapest Beaver Dam, KY car insurance rates?

Here’s a breakdown of Beaver Dam, Kentucky car insurance rates by company. You can see which company offers the cheapest Beaver Dam car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Beaver Dam, Kentucky

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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What are the top Beaver Dam, KY car insurance companies?

Which Beaver Dam, Kentucky car insurance company will best fit your needs and budget? Check out this comparison of the top Beaver Dam companies to find the one for you.

Average Annual Car Insurance Rates by Company in Beaver Dam, Kentucky

Insurance Company Average Annual Rates
Allstate $5,550
GEICO $4,231
Liberty Mutual $4,862
Nationwide $3,845
Progressive $4,309
State Farm $3,313
Travelers $3,693
USAA $2,688

What factors affect Beaver Dam, KY car insurance rates?

Why are Beaver Dam, Kentucky car insurance rates different than rates in Florence or Henderson? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Beaver Dam, KY?

More time spent behind the wheel can lead to higher Beaver Dam, Kentucky car insurance rates. In Beaver Dam, KY, the average commute length is 22.7 minutes.

Car Insurance Quotes for Beaver Dam, KY

Shop for affordable Beaver Dam, Kentucky car insurance rates today. Enter your ZIP code to compare quotes from multiple Beaver Dam, KY car insurance companies.

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