Buy Cheap Hopkinsville, KY Auto Insurance in 2024
Hopkinsville, KY auto insurance rates average $325 a month. Minimum auto insurance requirements in Hopkinsville, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Hopkinsville, KY, compare Hopkinsville auto insurance quotes from top companies.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- The most expensive auto insurance company in Hopkinsville after a DUI is Allstate
- Average auto insurance rates in Hopkinsville, KY after a DUI are $4,663/year
- Average auto insurance rates in Hopkinsville, KY for teens drivers are $7,685/year
Finding affordable Hopkinsville, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Hopkinsville, KY auto insurance with confidence is right here. Auto insurance rates in Hopkinsville are affected by local factors as well as personal ones like your driving record.
See how Hopkinsville, KY car insurance rates compare to Owensboro auto insurance rates, Independence auto insurance rates, and Covington auto insurance rates before you read more about the cost of auto insurance in Hopkinsville.
Don’t buy Hopkinsville, KY auto insurance until you’ve compared rates. Get free Hopkinsville, Kentucky auto insurance quotes when you enter your ZIP code above.
Hopkinsville, KY Minimum Auto Insurance Requirements
The required auto insurance in Hopkinsville, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Hopkinsville, Kentucky is outlined here.
| 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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Find Cheap Hopkinsville, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Hopkinsville, KY. Take a look at Hopkinsville, Kentucky auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,144 | $4,937 | $4,119 |
| Geico | $6,223 | $3,107 | $2,025 |
| Liberty Mutual | $6,102 | $3,758 | $2,974 |
| Nationwide | $4,825 | $3,790 | $3,302 |
| Progressive | $4,403 | $3,846 | $3,589 |
| State Farm | $4,307 | $2,594 | $2,021 |
| Travelers | $5,008 | $4,243 | $4,226 |
| USAA | $3,530 | $1,984 | $1,619 |
Buy Cheap Hopkinsville, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Hopkinsville, Kentucky auto insurance rates? Find out how car insurance rates in Hopkinsville, KY are impacted by demographics.
| 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 | $3,105 | $3,075 | $2,798 | $2,984 | $11,364 | $12,764 | $3,452 | $3,657 |
| Geico | $3,087 | $2,859 | $3,218 | $2,914 | $6,168 | $7,329 | $2,524 | $2,185 |
| Liberty Mutual | $2,345 | $2,538 | $1,995 | $2,223 | $9,546 | $10,554 | $2,458 | $2,568 |
| Nationwide | $2,865 | $2,875 | $2,588 | $2,712 | $6,272 | $7,843 | $3,227 | $3,396 |
| Progressive | $1,902 | $1,813 | $1,707 | $1,715 | $9,222 | $10,438 | $2,358 | $2,415 |
| State Farm | $1,826 | $1,826 | $1,633 | $1,633 | $5,539 | $7,005 | $2,040 | $2,291 |
| Travelers | $1,954 | $1,988 | $1,915 | $1,920 | $9,149 | $14,616 | $2,040 | $2,357 |
| USAA | $1,601 | $1,605 | $1,446 | $1,472 | $4,220 | $4,452 | $2,019 | $2,210 |
Buy Cheap Hopkinsville, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Hopkinsville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Hopkinsville, KY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,364 | $12,764 |
| Geico | $6,168 | $7,329 |
| Liberty Mutual | $9,546 | $10,554 |
| Nationwide | $6,272 | $7,843 |
| Progressive | $9,222 | $10,438 |
| State Farm | $5,539 | $7,005 |
| Travelers | $9,149 | $14,616 |
| USAA | $4,220 | $4,452 |
Buy Cheap Hopkinsville, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Hopkinsville, Kentucky by comparing Hopkinsville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Hopkinsville, KY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,798 | $2,984 |
| Geico | $3,218 | $2,914 |
| Liberty Mutual | $1,995 | $2,223 |
| Nationwide | $2,588 | $2,712 |
| Progressive | $1,707 | $1,715 |
| State Farm | $1,633 | $1,633 |
| Travelers | $1,915 | $1,920 |
| USAA | $1,446 | $1,472 |
Find Cheap Auto Insurance Rates in Hopkinsville, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Hopkinsville, Kentucky auto insurance. Compare Hopkinsville, KY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,060 | $5,381 | $5,759 |
| Geico | $3,558 | $3,767 | $4,031 |
| Liberty Mutual | $4,102 | $4,255 | $4,477 |
| Nationwide | $4,032 | $3,926 | $3,959 |
| Progressive | $3,643 | $3,900 | $4,295 |
| State Farm | $2,812 | $2,973 | $3,137 |
| Travelers | $4,274 | $4,516 | $4,687 |
| USAA | $2,271 | $2,373 | $2,490 |
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Find Cheap Hopkinsville, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Hopkinsville. Compare auto insurance rates in Hopkinsville, KY by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,400 | $5,400 |
| Geico | $3,750 | $3,821 |
| Liberty Mutual | $4,278 | $4,278 |
| Nationwide | $3,972 | $3,972 |
| Progressive | $3,946 | $3,946 |
| State Farm | $2,902 | $3,047 |
| Travelers | $4,492 | $4,492 |
| USAA | $2,290 | $2,466 |
Find Cheap Hopkinsville, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Hopkinsville, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Hopkinsville, KY, take a look at the average cost for various violations versus rates for a clean driving record in Hopkinsville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,487 | $5,840 | $6,219 | $5,053 |
| Geico | $2,248 | $4,011 | $6,130 | $2,752 |
| Liberty Mutual | $3,576 | $5,474 | $4,267 | $3,795 |
| Nationwide | $3,161 | $4,084 | $5,164 | $3,480 |
| Progressive | $3,267 | $4,827 | $3,724 | $3,967 |
| State Farm | $2,713 | $3,235 | $2,974 | $2,974 |
| Travelers | $3,923 | $4,035 | $5,809 | $4,203 |
| USAA | $1,796 | $2,535 | $3,020 | $2,161 |
Find Cheap Hopkinsville, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Hopkinsville, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Hopkinsville for less when you shop around and compare rates from multiple Hopkinsville, KY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,219 |
| Geico | $6,130 |
| Liberty Mutual | $4,267 |
| Nationwide | $5,164 |
| Progressive | $3,724 |
| State Farm | $2,974 |
| Travelers | $5,809 |
| USAA | $3,020 |
Winners by Category: Where to Buy Cheap Auto Insurance in Hopkinsville, KY
Compare rates from the cheapest auto insurance companies in Hopkinsville, KY for your needs. Take a look at how Hopkinsville, Kentucky auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Hopkinsville, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Hopkinsville, KY auto insurance companies overall, you can compare them here. Find the best price for Hopkinsville, Kentucky car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,400 |
| Geico | $3,785 |
| Liberty Mutual | $4,278 |
| Nationwide | $3,972 |
| Progressive | $3,946 |
| State Farm | $2,974 |
| Travelers | $4,492 |
| USAA | $2,378 |
What affects Hopkinsville, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Hopkinsville, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Hopkinsville auto insurance rates.
Commute Times in Hopkinsville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hopkinsville, KY is 15.1 minutes according to City-Data.
Compare Auto Insurance Quotes in Hopkinsville, KY
You can buy cheap Hopkinsville, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Hopkinsville, Kentucky auto insurance quotes from top companies.
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Frequently Asked Questions
Is it possible to find cheap auto insurance in Hopkinsville, KY in 2023?
Yes, it is possible to find affordable auto insurance in Hopkinsville, KY in 2023. By comparing quotes from different insurance providers and considering various factors, you can find a policy that suits your budget.
What factors can affect the cost of auto insurance in Hopkinsville, KY?
Several factors can influence the cost of auto insurance, including your driving history, age, type of vehicle, coverage limits, deductible amount, and even your credit score. Insurance companies consider these factors when determining the premium you’ll pay.
How can I save money on auto insurance in Hopkinsville, KY?
Here are some tips to help you save money on auto insurance:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Consider raising your deductible to lower your premium.
- Look for discounts offered by insurance companies, such as safe driver discounts or bundling discounts for combining multiple policies.
Are there any drawbacks to buying cheap auto insurance?
While cheap auto insurance can save you money upfront, it’s important to consider the potential drawbacks, including:
- Limited coverage options: Cheap policies may have lower coverage limits or exclude certain types of coverage.
- Higher deductibles: Lower premiums often come with higher deductibles, meaning you’ll pay more out of pocket in the event of a claim.
- Subpar customer service: Some low-cost insurance providers may not offer the same level of customer service or support as more established companies.
Are there any specific types of coverage that I should consider when buying auto insurance in Hopkinsville, KY?
While the minimum legal requirements for auto insurance in Hopkinsville, KY typically include liability coverage, it’s a good idea to consider additional types of coverage for greater protection. Some common types of coverage to consider are:
- Collision coverage: This helps pay for damages to your vehicle if you’re involved in a collision, regardless of who is at fault.
- Comprehensive coverage: This covers damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
- Medical payments coverage: This helps cover medical expenses for you and your passengers if you’re injured in an accident.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.