Cheap Quotes for Russellville, KY Car Insurance (2021)

Russellville, Kentucky car insurance rates average $324 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Russellville, KY companies, you can find cheap Russellville 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 Russellville, KY for senior drivers are $2,228/year
  • Average car insurance rates in Russellville, KY after a DUI are $4,677/year
  • Russellville has an average commute time of 18.2 minutes

How do the Russellville, Kentucky monthly average car insurance rates of $324/month compare to nearby cities like Nicholasville car insurance rates, Owensboro car insurance rates, and Independence car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Russellville, KY.

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

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

What are the minimum Russellville, KY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Russellville, 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 $2,509 $2,718 $2,162 $2,410 $9,879 $10,889 $2,608 $2,688
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $1,665 $1,580 $1,503 $1,506 $8,176 $9,259 $2,060 $2,098
State Farm $1,797 $1,797 $1,603 $1,603 $5,389 $6,820 $2,006 $2,249
Travelers $1,585 $1,613 $1,554 $1,558 $7,180 $11,443 $1,652 $1,900
USAA $1,864 $1,870 $1,680 $1,711 $4,929 $5,203 $2,356 $2,581

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

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

Annual Car Insurance Rates for Teen Drivers in Russellville, 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 $9,879 $10,889
Nationwide $6,819 $8,506
Progressive $8,176 $9,259
State Farm $5,389 $6,820
Travelers $7,180 $11,443
USAA $4,929 $5,203

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

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

Annual Car Insurance Rates for Senior Drivers in Russellville, 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 $2,162 $2,410
Nationwide $2,800 $2,930
Progressive $1,503 $1,506
State Farm $1,603 $1,603
Travelers $1,554 $1,558
USAA $1,680 $1,711

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

Annual Car Insurance Rates by Coverage Level in Russellville, Kentucky

Insurance Company Low Medium High
Allstate $5,032 $5,344 $5,713
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,258 $4,452 $4,739
Nationwide $4,380 $4,252 $4,281
Progressive $3,184 $3,428 $3,830
State Farm $2,751 $2,907 $3,067
Travelers $3,378 $3,578 $3,726
USAA $2,655 $2,768 $2,900

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

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

Annual Russellville, 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 $3,744 $5,739 $4,469 $3,979
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $2,881 $4,268 $3,281 $3,494
State Farm $2,657 $3,160 $2,908 $2,908
Travelers $3,118 $3,205 $4,583 $3,336
USAA $2,092 $2,958 $3,528 $2,519

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

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

Annual Car Insurance Rates After a DUI in Russellville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,170
GEICO $6,862
Liberty Mutual $4,469
Nationwide $5,612
Progressive $3,281
State Farm $2,908
Travelers $4,583
USAA $3,528

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

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

Annual Car Insurance Rates by Credit Score in Russellville, Kentucky

Insurance Company Poor Fair Good
Allstate $7,097 $4,901 $4,091
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,400 $3,936 $3,112
Nationwide $5,239 $4,104 $3,569
Progressive $3,878 $3,395 $3,170
State Farm $4,211 $2,537 $1,976
Travelers $3,965 $3,365 $3,351
USAA $4,131 $2,310 $1,881

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

Russellville, 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 Russellville if you’re financing.

Annual Car Insurance Rates by Commute Length in Russellville, 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 $4,483 $4,483
Nationwide $4,304 $4,304
Progressive $3,481 $3,481
State Farm $2,837 $2,979
Travelers $3,561 $3,561
USAA $2,671 $2,877

Who has the cheapest Russellville, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Russellville, Kentucky

Category Insurance Company
Teenagers USAA
Seniors Progressive
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 Russellville, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Russellville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,363
GEICO $4,231
Liberty Mutual $4,483
Nationwide $4,304
Progressive $3,481
State Farm $2,908
Travelers $3,561
USAA $2,774

What factors affect Russellville, KY car insurance rates?

Why are Russellville, Kentucky car insurance rates different than rates in Nicholasville 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 Russellville, KY?

More time spent behind the wheel can lead to higher Russellville, Kentucky car insurance rates. In Russellville, KY, the average commute length is 18.2 minutes.

Car Insurance Quotes for Russellville, KY

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

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