Cheapest Car Insurance In Bowling Green, KY 2025
Auto-Owners offers the most affordable minimum coverage car insurance in Bowling Green, with an average monthly cost of $51.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most affordable car insurance in Bowling Green, KY, prices can differ significantly.
Auto-Owners stands out as the top choice for the lowest liability-only coverage. It also provides the best rates for full coverage policies. However, young drivers will find the most budget-friendly rates with USAA.
Cheapest Car Insurance In Bowling Green, KY
Cheapest Liability-only Car Insurance In Bowling Green: Auto-Owners
Auto-Owners offers the most affordable minimum coverage car insurance in Bowling Green, with an average monthly rate of $51.
Check the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $62 | $744 |
| State Farm | $58 | $696 |
| Allstate | $76 | $912 |
| Auto-Owners | $51 | $612 |
| USAA | $65 | $780 |
Cheapest Full Coverage Insurance Rates In Bowling Green: Auto-Owners
Auto-Owners provides the lowest rates for full coverage car insurance in Bowling Green, with an average monthly premium of $95.
The table below shows a comparison of average quotes from budget-friendly insurance providers in Bowling Green.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $115 | $1,380 |
| Auto-Owners | $95 | $1,140 |
| National General | $130 | $1,560 |
| State Farm | $98 | $1,176 |
| GEICO | $106 | $1,272 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA offers the most affordable car insurance for seniors in Bowling Green, with an average monthly rate of $75.
The table below compares average quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| SafeAuto | $80 | $960 |
| Kentucky Farm Bureau | $92 | $1,104 |
| USAA | $75 | $900 |
| State Farm | $86 | $1,032 |
| Travelers | $97 | $1,164 |
Cheapest Rates In Bowling Green For Teenagers: USAA
Teenage drivers in Bowling Green can get the most affordable rates from USAA, with average monthly premiums of $223.
The table below highlights the insurance providers offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $448 | $5,376 |
| State Farm | $360 | $4,320 |
| Shelter | $471 | $5,652 |
| USAA | $223 | $2,676 |
| Kentucky Farm Bureau | $417 | $5,004 |
Cheapest Auto Insurance For Young Adults in Bowling Green: USAA
USAA provides the most affordable car insurance for young adults in Bowling Green, with an average monthly rate of $146.
Use the table below to compare the lowest auto insurance rates for young adults in Bowling Green.
| Provider | Average Monthly Cost | Average Annual Cost |
| SafeAuto | $151 | $1,812 |
| Kentucky Farm Bureau | $198 | $2,376 |
| USAA | $146 | $1,752 |
| Safeco | $170 | $2,040 |
| State Farm | $163 | $1,956 |
Cheapest Car Insurance In Bowling Green For Good Drivers: Auto-Owners
Good drivers in Bowling Green can get the lowest car insurance rates from Auto-Owners, with an average cost of $54 per month.
Check the table below to compare average quotes from the most budget-friendly insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $69 | $828 |
| Auto-Owners | $54 | $648 |
| Allstate | $81 | $972 |
| State Farm | $58 | $696 |
| GEICO | $65 | $780 |
Find Affordable Bowling Green Rates
Cheapest Car Insurance In Bowling Green After A Speeding Ticket: Auto-Owners
Auto-Owners offers some of the most affordable rates in Bowling Green, with an average monthly cost of $68 for drivers with a speeding ticket.
Check the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $80 | $960 |
| Auto-Owners | $68 | $816 |
| USAA | $87 | $1,044 |
| Allstate | $102 | $1,224 |
| State Farm | $71 | $852 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $73.
Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $88 | $1,056 |
| Auto-Owners | $73 | $876 |
| National General | $110 | $1,320 |
| USAA | $92 | $1,104 |
| State Farm | $75 | $900 |
Cheapest Rates In Bowling Green For Drivers After A DUI: Auto-Owners
Auto-Owners offers the lowest rates for drivers with a DUI in Bowling Green, with average monthly premiums of $84.
Drivers in Bowling Green with a DUI can compare the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $90 | $1,260 |
| Auto-Owners | $84 | $1,008 |
| USAA | $112 | $1,344 |
| State Farm | $105 | $1,080 |
| Allstate | $132 | $1,584 |
Best Car Insurance Companies In Bowling Green
In Bowling Green, Auto-Owners offers the most affordable car insurance, with an average monthly rate of $109. You might also want to check out USAA, which charges $115 a month, or GEICO, with rates starting at $116 per month.
The table below ranks the top 10 car insurance companies in Bowling Green, KY, based on their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $109 |
| USAA | $115 |
| GEICO | $116 |
| State Farm | $121 |
| Allstate | $139 |
| Kentucky Farm Bureau | $148 |
| Travelers | $150 |
| National General | $153 |
| Safeco | $162 |
| Nationwide | $167 |
Average Auto Insurance Rates In Bowling Green- By Age
Age plays a significant role in determining car insurance rates. Younger drivers, especially teenagers, typically face higher rates due to their inexperience and higher likelihood of accidents or violations. Teenagers can expect to pay about $3,744 annually for car insurance.
As drivers approach 25, their rates often decrease, assuming they keep a clean driving record.
The most competitive rates are usually available to drivers in their 50s and early 60s. Insurance companies use age as an indicator of driving experience and risk, which directly impacts premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,744 |
| 20s | $2,016 |
| 30s | $1,476 |
| 40s | $1,680 |
| 50s | $1,188 |
| 60s | $1,392 |
| 70s | $1,428 |
Average Rates In Bowling Green- By Vehicle
The type of car you drive greatly influences your insurance premiums. Insurance companies consider factors like the make, model, year, and body style of your vehicle. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher insurance rates.
Use the table below to compare average insurance rates in Bowling Green for different vehicles.
| Vehicle | Average Monthly Rate |
| Dodge Charger | $345 |
| Toyota Avalon | $107 |
| Chevrolet Captiva | $180 |
| Hyundai Sonata | $193 |
How Much Is Car Insurance In Other Cities in Kentucky?
Your location plays a major role in determining your car insurance rates. Insurance companies assess factors like the likelihood of accidents, vehicle theft, and vandalism, which are often higher in urban areas. As a result, premiums tend to be higher in these locations.
For instance, drivers in Lexington can expect an average monthly premium of around $132, while those in Danville typically pay about $115 per month.
| City | Average Monthly Rate |
| Lexington | $132 |
| Danville | $115 |
| Somerset | $125 |
| Versailles | $99 |
| Ashland | $116 |
| Louisville | $194 |
| Covington | $120 |
| Frankfort | $127 |
| Newport | $133 |
| Richmond | $121 |
Average Cost Of Auto Insurance In Bowling Green- By Zip Code
Insurance companies use zip codes to assess local crime rates, which can affect car insurance premiums. As a result, rates can vary depending on your zip code.
Use the table below to compare average insurance rates for different zip codes in Bowling Green.
| Zip Code | Average Monthly Rate |
| 42101 | $130 |
| 42102 | $78 |
| 42103 | $124 |
| 42104 | $126 |
| 40210 | $165 |
Find Affordable Bowling Green Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Bowling Green, KY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Bowling Green?
Auto-Owners provides the lowest car insurance rates in Bowling Green, both for the minimum coverage required by the State of Kentucky and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Bowling Green?
The average monthly cost of car insurance in Bowling Green is around $138. However, rates can vary depending on factors like your zip code, car’s year and model, driving history, and more.
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