Cheap Quotes for Garrard, KY Car Insurance (2021)

Garrard, Kentucky car insurance rates average $541 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Garrard, KY companies, you can find cheap Garrard car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance 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 company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different 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.

Things to Know

  • Average car insurance rates in Garrard, KY after a DUI are $7,783/year
  • Average car insurance rates in Garrard, KY for senior drivers are $3,635/year
  • The cheapest car insurance company in Garrard is USAA

How do the Garrard, Kentucky monthly average car insurance rates of $541/month compare to nearby cities like Covington car insurance rates, Hopkinsville car insurance rates, and Richmond car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Garrard, KY.

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

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

What are the minimum Garrard, KY car insurance requirements?

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

Minimum Required Car Insurance Coverage in Garrard, 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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garrard, 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 $6,170 $6,074 $5,664 $6,023 $23,229 $25,708 $6,689 $6,983
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,472 $3,771 $3,061 $3,412 $12,592 $13,781 $3,559 $3,584
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,912 $2,743 $2,637 $2,642 $14,733 $16,673 $3,609 $3,633
State Farm $2,834 $2,834 $2,538 $2,538 $7,571 $9,319 $3,155 $3,437
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,125 $2,130 $1,915 $1,948 $5,722 $6,019 $2,690 $2,948

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

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

Annual Car Insurance Rates for Teen Drivers in Garrard, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,229 $25,708
GEICO $8,902 $10,417
Liberty Mutual $12,592 $13,781
Nationwide $12,445 $15,350
Progressive $14,733 $16,673
State Farm $7,571 $9,319
Travelers $17,425 $28,270
USAA $5,722 $6,019

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

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

Annual Car Insurance Rates for Senior Drivers in Garrard, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,595 $4,158
Liberty Mutual $3,061 $3,412
Nationwide $5,015 $5,208
Progressive $2,637 $2,642
State Farm $2,538 $2,538
Travelers $3,397 $3,410
USAA $1,915 $1,948

How does coverage level affect Garrard, 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 Garrard, KY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Garrard, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,727 $12,364
GEICO $4,884 $5,352 $5,934
Liberty Mutual $5,531 $5,848 $6,334
Nationwide $7,713 $7,608 $7,902
Progressive $5,585 $6,068 $6,940
State Farm $4,023 $4,266 $4,545
Travelers $7,963 $8,447 $8,836
USAA $3,041 $3,179 $3,341

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

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

Annual Garrard, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,939 $11,690 $12,528 $10,112
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $4,922 $7,571 $5,880 $5,244
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,109 $7,648 $5,824 $6,209
State Farm $3,928 $4,628 $4,278 $4,278
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,397 $3,396 $4,069 $2,886

How does a DUI affect Garrard, KY car insurance rates?

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

Annual Car Insurance Rates After a DUI in Garrard, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,528
GEICO $8,597
Liberty Mutual $5,880
Nationwide $10,137
Progressive $5,824
State Farm $4,278
Travelers $10,948
USAA $4,069

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Credit Score in Garrard, Kentucky

Insurance Company Poor Fair Good
Allstate $14,577 $9,809 $8,066
GEICO $8,861 $4,424 $2,884
Liberty Mutual $8,468 $5,169 $4,076
Nationwide $9,500 $7,372 $6,351
Progressive $6,915 $6,045 $5,633
State Farm $6,145 $3,746 $2,943
Travelers $9,396 $7,939 $7,911
USAA $4,746 $2,655 $2,161

How does your commute affect Garrard, KY car insurance rates?

Garrard, 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 Garrard if you’re financing.

Annual Car Insurance Rates by Commute Length in Garrard, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,817 $10,817
GEICO $5,341 $5,438
Liberty Mutual $5,904 $5,904
Nationwide $7,741 $7,741
Progressive $6,198 $6,198
State Farm $4,167 $4,389
Travelers $8,415 $8,415
USAA $3,068 $3,306

Who has the cheapest Garrard, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Garrard, Kentucky

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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top Garrard, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Garrard, Kentucky

Insurance Company Average Annual Rates
Allstate $10,817
GEICO $5,390
Liberty Mutual $5,904
Nationwide $7,741
Progressive $6,198
State Farm $4,278
Travelers $8,415
USAA $3,187

Car Insurance Quotes for Garrard, KY

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

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption