Cheapest Car Insurance In Owensboro, KY 2025
Auto-Owners offers the lowest rates in Owensboro, with an average cost of $43 per month for minimum car insurance coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Owensboro, KY, can be challenging, as prices vary widely.
For those needing the lowest-cost liability-only coverage, Auto-Owners comes out on top. It also provides the best rates for full coverage policies. However, young drivers will find the most budget-friendly option with USAA.
Cheapest Car Insurance In Owensboro, KY
Cheapest Liability-only Car Insurance In Owensboro: Auto-Owners
Auto-Owners offers the most affordable minimum coverage car insurance in Owensboro, with an average monthly rate of $43.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $55 | $660 |
| State Farm | $46 | $552 |
| Auto-Owners | $43 | $516 |
| Allstate | $64 | $768 |
| GEICO | $51 | $612 |
Cheapest Full Coverage Insurance Rates In Owensboro: Auto-Owners
Auto-Owners provides the lowest rates for full coverage car insurance in Owensboro, with an average monthly premium of $75.
Check the table below for a comparison of average quotes from budget-friendly insurance providers in Owensboro.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $82 | $984 |
| Auto-Owners | $75 | $900 |
| National General | $106 | $1,272 |
| USAA | $95 | $1,140 |
| State Farm | $ 79 | $948 |
Cheapest Car Insurance Rates For Seniors: SafeAuto
SafeAuto offers the most affordable car insurance for seniors in Owensboro, with an average monthly rate of $84.
The table below highlights average quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $99 | $1,188 |
| SafeAuto | $84 | $1,008 |
| Cincinnati Insurance | $105 | $1,260 |
| Farm Bureau | $96 | $1,152 |
| USAA | $91 | $1,092 |
Cheapest Rates In Owensboro For Teenagers: SafeAuto
Teen drivers in Owensboro can get the most affordable rates from SafeAuto, with an average monthly premium of $240.
Check the table below for a comparison of the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $267 | $3,204 |
| Cincinnati Insurance | $441 | $5,292 |
| SafeAuto | $240 | $2,880 |
| Nationwide | $450 | $5,400 |
| Electric | $298 | $3,576 |
Cheapest Auto Insurance For Young Adults in Owensboro: USAA
USAA provides the most affordable car insurance for young adults in Owensboro, with an average monthly rate of $120.
Refer to the table below to compare the lowest auto insurance rates for young adults in Owensboro.
| Provider | Average Monthly Cost | Average Annual Cost |
| SafeAuto | $135 | $1,620 |
| Nationwide | $156 | $1,872 |
| USAA | $120 | $1,440 |
| Electric | $161 | $1,932 |
| State Farm | $148 | $1,776 |
Cheapest Car Insurance In Owensboro For Good Drivers: Auto-Owners
Good drivers in Owensboro can get the lowest car insurance rates from Auto-Owners, with an average monthly premium of $46.
If you’re a good driver, refer to the table below to compare average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $49 | $588 |
| Auto-Owners | $46 | $552 |
| USAA | $55 | $660 |
| Allstate | $65 | $780 |
| GEICO | $52 | $624 |
Find Affordable Owensboro Rates
Cheapest Car Insurance In Owensboro After A Speeding Ticket: Farm Bureau
Farm Bureau offers some of the most affordable rates in Owensboro, with an average monthly cost of $139 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 |
| Auto-Owners | $165 | $1,980 |
| Shelter | $207 | $2,484 |
| Farm Bureau | $139 | $1,668 |
| Travelers | $190 | $2,280 |
| State Farm | $168 | $2,016 |
Cheapest For Drivers With After At-Fault Accident: Farm Bureau
Farm Bureau provides the lowest car insurance rates for drivers with an at-fault accident, averaging $142 per month.
Below is a list of insurance companies offering the most affordable rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $212 | $2,544 |
| State Farm | $184 | $2,208 |
| Shelter | $236 | $2,832 |
| Farm Bureau | $142 | $1,704 |
| Auto-Owners | $226 | $2,712 |
Cheapest Rates In Owensboro For Drivers After A DUI: Travelers
Travelers offers the most affordable car insurance rates for drivers in Owensboro with a DUI, with average monthly premiums of $223.
Drivers in Owensboro with a DUI can refer to the table below for the cheapest rates available.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $339 | $4,068 |
| Farm Bureau | $325 | $3,900 |
| Shelter | $268 | $3,216 |
| Travelers | $223 | $2,676 |
| Progressive | $281 | $3,372 |
Best Car Insurance Companies In Owensboro
SafeAuto offers the most affordable car insurance in Owensboro, with an average monthly rate of $98. You might also want to consider USAA at $101 per month, or Auto-Owners at $105 per month.
The table below ranks the top 10 car insurance companies in Owensboro, KY, based on their average monthly premiums.
| Company | Monthly Premium |
| SafeAuto | $98 |
| USAA | $101 |
| Auto-Owners | $105 |
| Farm Bureau | $108 |
| Nationwide | $113 |
| State Farm | $115 |
| Safeco | $121 |
| Travelers | $127 |
| Westfield | $130 |
| Cincinnati Insurance | $135 |
Average Auto Insurance Rates In Owensboro- By Age
Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to less driving experience and a higher likelihood of accidents and violations. Teenagers can expect to pay about $3,432 annually for car insurance.
Once drivers reach 25, their rates generally start to decrease, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the best insurance rates, as they are considered to have more driving experience and lower risk. Insurance companies use age as a factor in assessing risk and setting premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,432 |
| 20s | $1,716 |
| 30s | $1,344 |
| 40s | $1,572 |
| 50s | $1,212 |
| 60s | $1,164 |
| 70s | $1,284 |
Average Rates In Owensboro- By Vehicle
The type of vehicle you drive significantly impacts your car insurance premiums. Insurance companies consider factors like the make, model, year, and body style of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, come with higher insurance rates.
Refer to the table below to compare average insurance rates for various vehicles in Owensboro.
| Vehicle | Average Monthly Rate |
| Ford Taurus | $312 |
| Buick Enclave | $320 |
| Nissan Altima | $205 |
| Hyundai Accent | $92 |
| Mercedes-Benz E | $95 |
How Much Is Car Insurance In Other Cities in Kentucky?
Where you live can have a significant impact on your car insurance rates. Insurance companies assess factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism, which are often more common in urban areas. This increased risk typically leads to higher premiums.
For instance, drivers in Lexington pay an average of $136 per month for car insurance, while those in Louisville can expect to pay around $195 per month.
| City | Average Monthly Rate |
| Lexington | $136 |
| Louisville | $195 |
| Somerset | $123 |
| Versailles | $92 |
| Ashland | $115 |
| Bowling Green | $137 |
| Covington | $119 |
| Frankfort | $128 |
| Danville | $115 |
| Newport | $133 |
Average Cost Of Auto Insurance In Owensboro- By Zip Code
Zip codes play a role in helping insurers assess local crime rates, which in turn affect car insurance premiums. As a result, car insurance rates can vary by zip code.
Check the table below to compare average insurance rates for different zip codes in Owensboro.
| Zip Code | Average Monthly Rate |
| 42301 | $106 |
| 42303 | $113 |
| 42347 | $97 |
| 42304 | $121 |
| 42302 | $118 |
Find Affordable Owensboro 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 Owensboro, KY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Owensboro?
Auto-Owners provides the lowest car insurance rates in Owensboro, both for the minimum coverage required by the State of Kentucky and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Owensboro?
The average car insurance cost in Owensboro is approximately $115 per month. However, rates can vary depending on factors such as your zip code, the year and model of your vehicle, and your driving history.
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