Cheap Quotes for Smiths Grove, KY Car Insurance (2021)

Smiths Grove, Kentucky car insurance rates average $330 a month and Kentucky law requires coverage of at least 25/50/25. By comparing rates from multiple Smiths Grove, KY companies, you can find cheap Smiths Grove 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

  • Smiths Grove has an average commute time of 21.6 minutes
  • Average car insurance rates in Smiths Grove, KY after a DUI are $4,765/year
  • The cheapest car insurance company in Smiths Grove is State Farm

How do the Smiths Grove, Kentucky monthly average car insurance rates of $330/month compare to nearby cities like Henderson car insurance rates, Covington 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 Smiths Grove, KY.

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

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

What are the minimum Smiths Grove, KY car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Smiths Grove, 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 $3,059 $3,024 $2,772 $2,952 $11,304 $12,741 $3,376 $3,562
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,322 $2,512 $2,003 $2,228 $9,300 $10,244 $2,412 $2,481
Nationwide $2,859 $2,851 $2,591 $2,696 $6,391 $7,916 $3,240 $3,385
Progressive $2,007 $1,903 $1,808 $1,812 $9,928 $11,242 $2,487 $2,539
State Farm $1,524 $1,524 $1,358 $1,358 $4,434 $5,640 $1,700 $1,884
Travelers $2,010 $2,047 $1,966 $1,974 $9,467 $15,226 $2,095 $2,421
USAA $1,817 $1,817 $1,642 $1,666 $4,879 $5,132 $2,290 $2,504

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

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

Annual Car Insurance Rates for Teen Drivers in Smiths Grove, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,304 $12,741
GEICO $6,851 $8,131
Liberty Mutual $9,300 $10,244
Nationwide $6,391 $7,916
Progressive $9,928 $11,242
State Farm $4,434 $5,640
Travelers $9,467 $15,226
USAA $4,879 $5,132

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

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

Annual Car Insurance Rates for Senior Drivers in Smiths Grove, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,772 $2,952
GEICO $3,510 $3,179
Liberty Mutual $2,003 $2,228
Nationwide $2,591 $2,696
Progressive $1,808 $1,812
State Farm $1,358 $1,358
Travelers $1,966 $1,974
USAA $1,642 $1,666

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

Annual Car Insurance Rates by Coverage Level in Smiths Grove, Kentucky

Insurance Company Low Medium High
Allstate $5,006 $5,329 $5,711
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,983 $4,159 $4,421
Nationwide $4,029 $3,950 $3,995
Progressive $3,879 $4,160 $4,608
State Farm $2,272 $2,426 $2,584
Travelers $4,404 $4,671 $4,876
USAA $2,592 $2,712 $2,851

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

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

Annual Smiths Grove, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,438 $5,782 $6,170 $5,005
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,497 $5,361 $4,176 $3,717
Nationwide $3,188 $4,103 $5,170 $3,503
Progressive $3,486 $5,170 $3,974 $4,233
State Farm $2,226 $2,629 $2,428 $2,428
Travelers $4,064 $4,180 $6,008 $4,350
USAA $2,049 $2,895 $3,463 $2,467

How does a DUI affect Smiths Grove, KY car insurance rates?

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

Annual Car Insurance Rates After a DUI in Smiths Grove, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,170
GEICO $6,731
Liberty Mutual $4,176
Nationwide $5,170
Progressive $3,974
State Farm $2,428
Travelers $6,008
USAA $3,463

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

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

Annual Car Insurance Rates by Credit Score in Smiths Grove, Kentucky

Insurance Company Poor Fair Good
Allstate $7,072 $4,895 $4,080
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,967 $3,683 $2,913
Nationwide $4,839 $3,817 $3,317
Progressive $4,697 $4,112 $3,838
State Farm $3,510 $2,119 $1,654
Travelers $5,184 $4,392 $4,375
USAA $4,037 $2,268 $1,850

How does your commute affect Smiths Grove, KY car insurance rates?

Smiths Grove, 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 Smiths Grove if you’re financing.

Annual Car Insurance Rates by Commute Length in Smiths Grove, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,349 $5,349
GEICO $4,119 $4,197
Liberty Mutual $4,188 $4,188
Nationwide $3,991 $3,991
Progressive $4,216 $4,216
State Farm $2,366 $2,489
Travelers $4,651 $4,651
USAA $2,618 $2,819

Who has the cheapest Smiths Grove, KY car insurance rates?

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

Best Annual Car Insurance Rates by Company in Smiths Grove, Kentucky

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

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What are the top Smiths Grove, KY car insurance companies?

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

Average Annual Car Insurance Rates by Company in Smiths Grove, Kentucky

Insurance Company Average Annual Rates
Allstate $5,349
GEICO $4,158
Liberty Mutual $4,188
Nationwide $3,991
Progressive $4,216
State Farm $2,428
Travelers $4,651
USAA $2,718

What factors affect Smiths Grove, KY car insurance rates?

Why are Smiths Grove, Kentucky car insurance rates different than rates in Henderson or Covington? 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 Smiths Grove, KY?

More time spent behind the wheel can lead to higher Smiths Grove, Kentucky car insurance rates. In Smiths Grove, KY, the average commute length is 21.6 minutes.

Car Insurance Quotes for Smiths Grove, KY

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