Cheap Quotes for Harold, KY Car Insurance (2021)

Harold, Kentucky car insurance rates average $571 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Harold, KY companies, you can find cheap Harold 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

  • Average car insurance rates in Harold, KY after a DUI are $8,158/year
  • Average car insurance rates in Harold, KY are $571/month
  • Average car insurance rates in Harold, KY for senior drivers are $3,703/year

How do the Harold, Kentucky monthly average car insurance rates of $571/month compare to nearby cities like Frankfort car insurance rates, Bowling Green car insurance rates, and Florence car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Harold, KY.

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

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

What are the minimum Harold, KY car insurance requirements?

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

Minimum Required Car Insurance Coverage in Harold, 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 Harold, KY car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harold, 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 $5,387 $5,301 $4,961 $5,262 $19,837 $21,974 $5,819 $6,068
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,501 $4,909 $3,755 $4,243 $19,508 $21,744 $4,723 $4,963
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,314 $3,121 $3,015 $3,006 $17,141 $19,471 $4,118 $4,151
State Farm $2,452 $2,452 $2,173 $2,173 $6,583 $8,361 $2,717 $2,994
Travelers $4,021 $4,096 $3,958 $3,966 $20,585 $33,458 $4,203 $4,868
USAA $2,046 $2,062 $1,848 $1,893 $5,350 $5,640 $2,593 $2,854

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

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

Annual Car Insurance Rates for Teen Drivers in Harold, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,837 $21,974
GEICO $8,902 $10,417
Liberty Mutual $19,508 $21,744
Nationwide $12,492 $15,331
Progressive $17,141 $19,471
State Farm $6,583 $8,361
Travelers $20,585 $33,458
USAA $5,350 $5,640

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

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

Annual Car Insurance Rates for Senior Drivers in Harold, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,961 $5,262
GEICO $4,595 $4,158
Liberty Mutual $3,755 $4,243
Nationwide $5,035 $5,213
Progressive $3,015 $3,006
State Farm $2,173 $2,173
Travelers $3,958 $3,966
USAA $1,848 $1,893

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

Annual Car Insurance Rates by Coverage Level in Harold, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,632
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,018 $8,480 $9,132
Nationwide $7,743 $7,625 $7,887
Progressive $6,381 $6,991 $8,130
State Farm $3,493 $3,725 $3,996
Travelers $9,340 $9,923 $10,419
USAA $2,877 $3,027 $3,203

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

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

Annual Harold, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,065 $10,783 $8,728
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,098 $11,003 $8,518 $7,554
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,903 $8,865 $6,724 $7,177
State Farm $3,459 $4,017 $3,738 $3,738
Travelers $8,598 $8,850 $12,895 $9,234
USAA $2,290 $3,241 $3,858 $2,753

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

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

Annual Car Insurance Rates After a DUI in Harold, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,783
GEICO $8,597
Liberty Mutual $8,518
Nationwide $10,149
Progressive $6,724
State Farm $3,738
Travelers $12,895
USAA $3,858

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

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

Annual Car Insurance Rates by Credit Score in Harold, Kentucky

Insurance Company Poor Fair Good
Allstate $12,575 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,302 $7,471 $5,856
Nationwide $9,520 $7,384 $6,351
Progressive $7,979 $6,994 $6,529
State Farm $5,357 $3,277 $2,580
Travelers $11,053 $9,330 $9,300
USAA $4,520 $2,528 $2,059

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

Harold, 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 Harold if you’re financing.

Annual Car Insurance Rates by Commute Length in Harold, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $8,543 $8,543
Nationwide $7,752 $7,752
Progressive $7,167 $7,167
State Farm $3,648 $3,828
Travelers $9,894 $9,894
USAA $2,919 $3,153

Who has the cheapest Harold, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Harold, Kentucky

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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What are the top Harold, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Harold, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $8,543
Nationwide $7,752
Progressive $7,167
State Farm $3,738
Travelers $9,894
USAA $3,036

Car Insurance Quotes for Harold, KY

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