Buy Cheap Grayson, KY Auto Insurance in 2024
Grayson, KY auto insurance rates average $397 a month. Minimum auto insurance requirements in Grayson, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Grayson, KY, compare Grayson auto insurance quotes from top companies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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 Grayson after a DUI is Geico
- Average auto insurance rates in Grayson, KY are $397/month
- Average auto insurance rates in Grayson, KY after a DUI are $5,701/year
Finding affordable Grayson, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Grayson, KY auto insurance with confidence is right here. Auto insurance rates in Grayson are affected by local factors as well as personal ones like your driving record.
See how Grayson, KY car insurance rates compare to Bowling Green auto insurance rates, Henderson auto insurance rates, and Owensboro auto insurance rates before you read more about the cost of auto insurance in Grayson.
Don’t buy Grayson, KY auto insurance until you’ve compared rates. Get free Grayson, Kentucky auto insurance quotes when you enter your ZIP code above.
Grayson, KY Minimum Auto Insurance Requirements
The required auto insurance in Grayson, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Grayson, Kentucky is outlined here.
Minimum Required Auto Insurance Coverage in Grayson, 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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Find Cheap Grayson, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Grayson, KY. Take a look at Grayson, Kentucky auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Grayson, Kentucky
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,089 | $5,566 | $4,642 |
| Geico | $8,861 | $4,424 | $2,884 |
| Liberty Mutual | $8,632 | $5,283 | $4,156 |
| Nationwide | $5,864 | $4,565 | $3,953 |
| Progressive | $5,134 | $4,478 | $4,174 |
| State Farm | $4,675 | $2,826 | $2,206 |
| Travelers | $5,846 | $4,944 | $4,925 |
| USAA | $4,060 | $2,272 | $1,851 |
Buy Cheap Grayson, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Grayson, Kentucky auto insurance rates? Find out how car insurance rates in Grayson, KY are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Grayson, 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 | $3,521 | $3,497 | $3,170 | $3,384 | $12,780 | $14,344 | $3,930 | $4,164 |
| Geico | $4,386 | $4,051 | $4,595 | $4,158 | $8,902 | $10,417 | $3,551 | $3,058 |
| Liberty Mutual | $3,316 | $3,597 | $2,856 | $3,189 | $13,447 | $14,820 | $3,437 | $3,527 |
| Nationwide | $3,516 | $3,512 | $3,200 | $3,331 | $7,480 | $9,251 | $3,944 | $4,119 |
| Progressive | $2,205 | $2,098 | $1,977 | $1,984 | $10,757 | $12,196 | $2,739 | $2,809 |
| State Farm | $2,005 | $2,005 | $1,791 | $1,791 | $5,987 | $7,562 | $2,235 | $2,509 |
| Travelers | $2,241 | $2,281 | $2,200 | $2,204 | $10,717 | $17,223 | $2,338 | $2,703 |
| USAA | $1,830 | $1,836 | $1,649 | $1,680 | $4,861 | $5,119 | $2,312 | $2,535 |
Buy Cheap Grayson, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Grayson can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Grayson, KY are listed here.
Annual Auto Insurance Rates for Teen Drivers in Grayson, Kentucky
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,780 | $14,344 |
| Geico | $8,902 | $10,417 |
| Liberty Mutual | $13,447 | $14,820 |
| Nationwide | $7,480 | $9,251 |
| Progressive | $10,757 | $12,196 |
| State Farm | $5,987 | $7,562 |
| Travelers | $10,717 | $17,223 |
| USAA | $4,861 | $5,119 |
Buy Cheap Grayson, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Grayson, Kentucky by comparing Grayson senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Grayson, KY here.
Annual Auto Insurance Rates for Senior Drivers in Grayson, Kentucky
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,170 | $3,384 |
| Geico | $4,595 | $4,158 |
| Liberty Mutual | $2,856 | $3,189 |
| Nationwide | $3,200 | $3,331 |
| Progressive | $1,977 | $1,984 |
| State Farm | $1,791 | $1,791 |
| Travelers | $2,200 | $2,204 |
| USAA | $1,649 | $1,680 |
Find Cheap Auto Insurance Rates in Grayson, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Grayson, Kentucky auto insurance. Compare Grayson, KY auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Grayson, Kentucky
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,664 | $6,075 | $6,557 |
| Geico | $4,884 | $5,352 | $5,934 |
| Liberty Mutual | $5,689 | $5,977 | $6,405 |
| Nationwide | $4,753 | $4,727 | $4,902 |
| Progressive | $4,266 | $4,541 | $4,980 |
| State Farm | $3,057 | $3,231 | $3,419 |
| Travelers | $4,965 | $5,259 | $5,491 |
| USAA | $2,605 | $2,721 | $2,858 |
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Find Cheap Grayson, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Grayson. Compare auto insurance rates in Grayson, KY by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Grayson, Kentucky
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,099 | $6,099 |
| Geico | $5,341 | $5,438 |
| Liberty Mutual | $6,024 | $6,024 |
| Nationwide | $4,794 | $4,794 |
| Progressive | $4,596 | $4,596 |
| State Farm | $3,158 | $3,313 |
| Travelers | $5,238 | $5,238 |
| USAA | $2,626 | $2,829 |
Find Cheap Grayson, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Grayson, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Grayson, KY, take a look at the average cost for various violations versus rates for a clean driving record in Grayson.
Annual Grayson, Kentucky Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,086 | $6,595 | $7,002 | $5,713 |
| Geico | $3,255 | $5,722 | $8,597 | $3,985 |
| Liberty Mutual | $5,012 | $7,739 | $6,006 | $5,339 |
| Nationwide | $3,852 | $4,925 | $6,176 | $4,223 |
| Progressive | $3,801 | $5,624 | $4,338 | $4,621 |
| State Farm | $2,956 | $3,515 | $3,236 | $3,236 |
| Travelers | $4,569 | $4,701 | $6,784 | $4,900 |
| USAA | $2,057 | $2,908 | $3,474 | $2,473 |
Find Cheap Grayson, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Grayson, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Grayson for less when you shop around and compare rates from multiple Grayson, KY auto insurance companies.
Annual Auto Insurance Rates After a DUI in Grayson, Kentucky
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,002 |
| Geico | $8,597 |
| Liberty Mutual | $6,006 |
| Nationwide | $6,176 |
| Progressive | $4,338 |
| State Farm | $3,236 |
| Travelers | $6,784 |
| USAA | $3,474 |
Winners by Category: Where to Buy Cheap Auto Insurance in Grayson, KY
Compare rates from the cheapest auto insurance companies in Grayson, KY for your needs. Take a look at how Grayson, Kentucky auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Grayson, Kentucky
| 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 Grayson, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Grayson, KY auto insurance companies overall, you can compare them here. Find the best price for Grayson, Kentucky car insurance by company.
Average Annual Auto Insurance Rates by Company in Grayson, Kentucky
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,099 |
| Geico | $5,390 |
| Liberty Mutual | $6,024 |
| Nationwide | $4,794 |
| Progressive | $4,596 |
| State Farm | $3,236 |
| Travelers | $5,238 |
| USAA | $2,728 |
What affects Grayson, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Grayson, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Grayson auto insurance rates.
Commute Times in Grayson
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Grayson, KY is 20.3 minutes according to City-Data.
Compare Auto Insurance Quotes in Grayson, KY
You can buy cheap Grayson, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Grayson, Kentucky auto insurance quotes from top companies.
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Frequently Asked Questions
Can I find cheap auto insurance in Grayson, KY in 2023?
Yes, it is possible to find affordable auto insurance in Grayson, KY in 2023. However, the availability and cost of insurance can vary depending on several factors, including your driving record, the type of vehicle you own, your age, and the coverage options you choose.
How can I find cheap auto insurance in Grayson, KY?
To find affordable auto insurance in Grayson, KY, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Consider your coverage needs: Evaluate the minimum coverage requirements in Kentucky and determine the additional coverage you may need.
- Maintain a good driving record: A clean driving record without accidents or traffic violations can help reduce insurance premiums.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but make sure you can afford the out-of-pocket expense if you need to file a claim.
- Ask about discounts: Inquire about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your vehicle.
What are the pros of buying cheap auto insurance in Grayson, KY in 2023?
Some pros of purchasing affordable auto insurance in Grayson, KY in 2023 include:
- Cost savings: Cheap insurance premiums can help you save money in the short term.
- Compliance with the law: Having insurance coverage is mandatory in Kentucky, so purchasing cheap auto insurance ensures you meet legal requirements.
- Protection against financial loss: Even a basic insurance policy can provide coverage for property damage, medical expenses, and liability claims.
What are the cons of buying cheap auto insurance in Grayson, KY in 2023?
There are a few cons associated with buying cheap auto insurance in Grayson, KY in 2023:
- Limited coverage: Cheaper policies may offer lower coverage limits or exclude certain types of coverage, leaving you vulnerable to potential risks.
- Higher out-of-pocket expenses: Cheap insurance policies often have higher deductibles and may require you to pay more out of pocket when filing a claim.
- Less comprehensive customer service: Some low-cost insurers may provide limited customer service or have longer claim processing times.
Are there any potential risks of buying cheap auto insurance in Grayson, KY?
While cheap auto insurance can be a good option for some, there are potential risks to consider:
- Inadequate coverage: Cheaper policies may not provide enough coverage to fully protect you in case of an accident or other incidents.
- Unreliable insurers: Some low-cost insurance providers may have a poor reputation for customer service or financial stability.
- Difficulty with claims: Cheaper insurers might have a more complicated claims process or be less willing to pay out claims promptly.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.