Cheap Quotes for Providence, KY Car Insurance (2021)

Providence, Kentucky car insurance rates average $355 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Providence, KY companies, you can find cheap Providence car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

secured lock 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 Brad Larsen

UPDATED: Apr 15, 2022

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

  • The cheapest car insurance company in Providence is USAA
  • Providence has an average commute time of 26.8 minutes
  • Average car insurance rates in Providence, KY for senior drivers are $2,394/year

How do the Providence, Kentucky monthly average car insurance rates of $355/month compare to nearby cities like Nicholasville car insurance rates, Bowling Green car insurance rates, and Frankfort car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Providence, KY.

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

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

What are the minimum Providence, KY car insurance requirements?

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

Minimum Required Car Insurance Coverage in Providence, 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 lock Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Providence, 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 $3,178 $3,169 $2,842 $3,036 $11,199 $12,583 $3,585 $3,818
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,514 $2,729 $2,140 $2,390 $9,741 $10,777 $2,642 $2,769
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,229 $2,149 $1,970 $1,996 $10,158 $11,495 $2,771 $2,861
State Farm $2,299 $2,299 $2,057 $2,057 $7,011 $8,840 $2,566 $2,895
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
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 Providence, KY?

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

Annual Car Insurance Rates for Teen Drivers in Providence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,199 $12,583
GEICO $6,831 $8,150
Liberty Mutual $9,741 $10,777
Nationwide $6,037 $7,550
Progressive $10,158 $11,495
State Farm $7,011 $8,840
Travelers $10,535 $16,904
USAA $4,875 $5,165

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

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

Annual Car Insurance Rates for Senior Drivers in Providence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,842 $3,036
GEICO $3,608 $3,267
Liberty Mutual $2,140 $2,390
Nationwide $2,519 $2,640
Progressive $1,970 $1,996
State Farm $2,057 $2,057
Travelers $2,169 $2,175
USAA $1,693 $1,740

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

Annual Car Insurance Rates by Coverage Level in Providence, Kentucky

Insurance Company Low Medium High
Allstate $5,111 $5,408 $5,759
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,284 $4,439 $4,666
Nationwide $3,908 $3,801 $3,826
Progressive $4,185 $4,413 $4,763
State Farm $3,560 $3,749 $3,950
Travelers $4,897 $5,179 $5,389
USAA $2,673 $2,783 $2,910

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

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

Annual Providence, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,552 $5,865 $6,198 $5,090
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,738 $5,703 $4,449 $3,961
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,691 $5,410 $4,216 $4,498
State Farm $3,421 $4,085 $3,753 $3,753
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,103 $2,980 $3,541 $2,530

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

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

Annual Car Insurance Rates After a DUI in Providence, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,198
GEICO $6,862
Liberty Mutual $4,449
Nationwide $4,997
Progressive $4,216
State Farm $3,753
Travelers $6,674
USAA $3,541

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Credit Score in Providence, Kentucky

Insurance Company Poor Fair Good
Allstate $7,178 $4,953 $4,148
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,381 $3,909 $3,098
Nationwide $4,672 $3,666 $3,197
Progressive $5,018 $4,327 $4,016
State Farm $5,430 $3,275 $2,554
Travelers $5,751 $4,866 $4,847
USAA $4,165 $2,317 $1,884

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

Providence, 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 Providence if you’re financing.

Annual Car Insurance Rates by Commute Length in Providence, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,426 $5,426
GEICO $4,191 $4,270
Liberty Mutual $4,463 $4,463
Nationwide $3,845 $3,845
Progressive $4,454 $4,454
State Farm $3,664 $3,842
Travelers $5,155 $5,155
USAA $2,683 $2,894

Who has the cheapest Providence, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Providence, 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 lock Secured with SHA-256 Encryption

What are the top Providence, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Providence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,426
GEICO $4,231
Liberty Mutual $4,463
Nationwide $3,845
Progressive $4,454
State Farm $3,753
Travelers $5,155
USAA $2,789

What factors affect Providence, KY car insurance rates?

Why are Providence, Kentucky car insurance rates different than rates in Nicholasville or Bowling Green? 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 Providence, KY?

More time spent behind the wheel can lead to higher Providence, Kentucky car insurance rates. In Providence, KY, the average commute length is 26.8 minutes.

What is the traffic like in Providence, KY

Like commute length, time spent in traffic also increase risk of accidents. Providence, KY is listed as 152nd in INRIX congested cities data.

Car Insurance Quotes for Providence, KY

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

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption