Cheap Quotes for Morgantown, KY Car Insurance (2021)

Morgantown, Kentucky car insurance rates average $360 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Morgantown, KY companies, you can find cheap Morgantown 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 Morgantown, KY after a DUI are $5,172/year
  • The cheapest car insurance company in Morgantown is USAA
  • Morgantown has an average commute time of 20.4 minutes

How do the Morgantown, Kentucky monthly average car insurance rates of $360/month compare to nearby cities like Richmond car insurance rates, Owensboro 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 Morgantown, KY.

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

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

What are the minimum Morgantown, KY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Morgantown, 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 $3,096 $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 $2,588 $2,802 $2,215 $2,469 $10,689 $11,798 $2,697 $2,790
Nationwide $3,189 $3,204 $2,873 $3,015 $7,084 $8,879 $3,602 $3,796
Progressive $2,037 $1,943 $1,819 $1,831 $9,735 $11,024 $2,527 $2,596
State Farm $2,201 $2,201 $1,968 $1,968 $6,614 $8,362 $2,456 $2,754
Travelers $2,240 $2,282 $2,193 $2,199 $10,594 $16,944 $2,339 $2,717
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

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

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

Annual Car Insurance Rates for Teen Drivers in Morgantown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,246 $12,625
GEICO $6,831 $8,150
Liberty Mutual $10,689 $11,798
Nationwide $7,084 $8,879
Progressive $9,735 $11,024
State Farm $6,614 $8,362
Travelers $10,594 $16,944
USAA $4,875 $5,165

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

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

Annual Car Insurance Rates for Senior Drivers in Morgantown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,788 $2,972
GEICO $3,608 $3,267
Liberty Mutual $2,215 $2,469
Nationwide $2,873 $3,015
Progressive $1,819 $1,831
State Farm $1,968 $1,968
Travelers $2,193 $2,199
USAA $1,693 $1,740

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

Annual Car Insurance Rates by Coverage Level in Morgantown, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,524 $4,725 $5,019
Nationwide $4,549 $4,401 $4,416
Progressive $3,912 $4,146 $4,509
State Farm $3,364 $3,562 $3,770
Travelers $4,945 $5,215 $5,406
USAA $2,673 $2,783 $2,910

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

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

Annual Morgantown, Kentucky Car Insurance Rates by Driving Record

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 $3,964 $6,098 $4,744 $4,218
Nationwide $3,530 $4,583 $5,814 $3,894
Progressive $3,468 $5,114 $3,958 $4,217
State Farm $3,256 $3,875 $3,565 $3,565
Travelers $4,525 $4,656 $6,718 $4,854
USAA $2,103 $2,980 $3,541 $2,530

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

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

Annual Car Insurance Rates After a DUI in Morgantown, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,170
GEICO $6,862
Liberty Mutual $4,744
Nationwide $5,814
Progressive $3,958
State Farm $3,565
Travelers $6,718
USAA $3,541

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

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

Annual Car Insurance Rates by Credit Score in Morgantown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,793 $4,178 $3,296
Nationwide $5,421 $4,249 $3,696
Progressive $4,689 $4,079 $3,798
State Farm $5,156 $3,112 $2,428
Travelers $5,792 $4,897 $4,877
USAA $4,165 $2,317 $1,884

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

Morgantown, 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 Morgantown if you’re financing.

Annual Car Insurance Rates by Commute Length in Morgantown, Kentucky

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 $4,756 $4,756
Nationwide $4,455 $4,455
Progressive $4,189 $4,189
State Farm $3,479 $3,652
Travelers $5,188 $5,188
USAA $2,683 $2,894

Who has the cheapest Morgantown, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Morgantown, Kentucky

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

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What are the top Morgantown, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Morgantown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,231
Liberty Mutual $4,756
Nationwide $4,455
Progressive $4,189
State Farm $3,565
Travelers $5,188
USAA $2,789

What factors affect Morgantown, KY car insurance rates?

Why are Morgantown, Kentucky car insurance rates different than rates in Richmond or Owensboro? 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 Morgantown, KY?

More time spent behind the wheel can lead to higher Morgantown, Kentucky car insurance rates. In Morgantown, KY, the average commute length is 20.4 minutes.

Car Insurance Quotes for Morgantown, KY

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

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