Buy Cheap Harlan, KY Auto Insurance in 2024
Harlan, KY auto insurance rates average $541 a month. Minimum auto insurance requirements in Harlan, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Harlan, KY, compare Harlan auto insurance quotes from top companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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
- Average auto insurance rates in Harlan, KY are $541/month
- Average auto insurance rates in Harlan, KY after a DUI are $7,795/year
- The most expensive auto insurance company in Harlan is Allstate
Finding affordable Harlan, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Harlan, KY auto insurance with confidence is right here. Auto insurance rates in Harlan are affected by local factors as well as personal ones like your driving record.
See how Harlan, KY car insurance rates compare to Bowling Green auto insurance rates, Hopkinsville auto insurance rates, and Richmond auto insurance rates before you read more about the cost of auto insurance in Harlan.
Don’t buy Harlan, KY auto insurance until you’ve compared rates. Get free Harlan, Kentucky auto insurance quotes when you enter your ZIP code above.
Harlan, KY Minimum Auto Insurance Requirements
The required auto insurance in Harlan, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Harlan, 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 Harlan, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Harlan, KY. Take a look at Harlan, Kentucky auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $13,886 | $9,334 | $7,677 |
| Geico | $8,861 | $4,424 | $2,884 |
| Liberty Mutual | $10,427 | $6,351 | $4,989 |
| Nationwide | $9,986 | $7,742 | $6,667 |
| Progressive | $6,409 | $5,612 | $5,237 |
| State Farm | $4,958 | $3,039 | $2,396 |
| Travelers | $9,396 | $7,939 | $7,911 |
| USAA | $4,820 | $2,697 | $2,196 |
Buy Cheap Harlan, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Harlan, Kentucky auto insurance rates? Find out how car insurance rates in Harlan, 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 | $5,901 | $5,813 | $5,429 | $5,771 | $22,046 | $24,393 | $6,386 | $6,654 |
| Geico | $4,386 | $4,051 | $4,595 | $4,158 | $8,902 | $10,417 | $3,551 | $3,058 |
| Liberty Mutual | $3,887 | $4,228 | $3,274 | $3,679 | $16,417 | $18,221 | $4,075 | $4,265 |
| Nationwide | $5,829 | $5,764 | $5,260 | $5,461 | $13,093 | $16,143 | $6,631 | $6,871 |
| Progressive | $2,695 | $2,547 | $2,440 | $2,439 | $13,660 | $15,500 | $3,347 | $3,394 |
| State Farm | $2,239 | $2,239 | $1,999 | $1,999 | $6,183 | $7,833 | $2,482 | $2,741 |
| Travelers | $3,465 | $3,532 | $3,397 | $3,410 | $17,425 | $28,270 | $3,621 | $4,203 |
| USAA | $2,168 | $2,181 | $1,955 | $1,999 | $5,756 | $6,065 | $2,751 | $3,026 |
Buy Cheap Harlan, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Harlan can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harlan, KY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $22,046 | $24,393 |
| Geico | $8,902 | $10,417 |
| Liberty Mutual | $16,417 | $18,221 |
| Nationwide | $13,093 | $16,143 |
| Progressive | $13,660 | $15,500 |
| State Farm | $6,183 | $7,833 |
| Travelers | $17,425 | $28,270 |
| USAA | $5,756 | $6,065 |
Buy Cheap Harlan, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Harlan, Kentucky by comparing Harlan senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harlan, KY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $5,429 | $5,771 |
| Geico | $4,595 | $4,158 |
| Liberty Mutual | $3,274 | $3,679 |
| Nationwide | $5,260 | $5,461 |
| Progressive | $2,440 | $2,439 |
| State Farm | $1,999 | $1,999 |
| Travelers | $3,397 | $3,410 |
| USAA | $1,955 | $1,999 |
Find Cheap Auto Insurance Rates in Harlan, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Harlan, Kentucky auto insurance. Compare Harlan, KY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $8,843 | $10,209 | $11,846 |
| Geico | $4,884 | $5,352 | $5,934 |
| Liberty Mutual | $6,874 | $7,207 | $7,686 |
| Nationwide | $8,122 | $7,993 | $8,280 |
| Progressive | $5,198 | $5,639 | $6,421 |
| State Farm | $3,222 | $3,451 | $3,719 |
| Travelers | $7,963 | $8,447 | $8,836 |
| USAA | $3,078 | $3,229 | $3,405 |
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Find Cheap Harlan, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Harlan. Compare auto insurance rates in Harlan, 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 | $10,299 | $10,299 |
| Geico | $5,341 | $5,438 |
| Liberty Mutual | $7,256 | $7,256 |
| Nationwide | $8,132 | $8,132 |
| Progressive | $5,753 | $5,753 |
| State Farm | $3,381 | $3,548 |
| Travelers | $8,415 | $8,415 |
| USAA | $3,114 | $3,361 |
Find Cheap Harlan, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Harlan, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harlan, KY, take a look at the average cost for various violations versus rates for a clean driving record in Harlan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $8,531 | $11,122 | $11,908 | $9,635 |
| Geico | $3,255 | $5,722 | $8,597 | $3,985 |
| Liberty Mutual | $6,036 | $9,330 | $7,235 | $6,421 |
| Nationwide | $6,403 | $8,374 | $10,669 | $7,081 |
| Progressive | $4,745 | $7,089 | $5,409 | $5,768 |
| State Farm | $3,193 | $3,735 | $3,464 | $3,464 |
| Travelers | $7,323 | $7,537 | $10,948 | $7,854 |
| USAA | $2,436 | $3,454 | $4,127 | $2,933 |
Find Cheap Harlan, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Harlan, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Harlan for less when you shop around and compare rates from multiple Harlan, KY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $11,908 |
| Geico | $8,597 |
| Liberty Mutual | $7,235 |
| Nationwide | $10,669 |
| Progressive | $5,409 |
| State Farm | $3,464 |
| Travelers | $10,948 |
| USAA | $4,127 |
Winners by Category: Where to Buy Cheap Auto Insurance in Harlan, KY
Compare rates from the cheapest auto insurance companies in Harlan, KY for your needs. Take a look at how Harlan, 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 Harlan, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Harlan, KY auto insurance companies overall, you can compare them here. Find the best price for Harlan, Kentucky car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $10,299 |
| Geico | $5,390 |
| Liberty Mutual | $7,256 |
| Nationwide | $8,132 |
| Progressive | $5,753 |
| State Farm | $3,464 |
| Travelers | $8,415 |
| USAA | $3,238 |
What affects Harlan, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Harlan, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Harlan auto insurance rates.
Commute Times in Harlan
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harlan, KY is 11.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Harlan, KY
You can buy cheap Harlan, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harlan, Kentucky auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in Harlan, KY?
When searching for cheap auto insurance in Harlan, KY, consider factors such as your driving record, the type of vehicle you own, your age, the coverage limits you need, and the deductibles you’re comfortable with. Insurance companies also consider factors like your location, credit history, and mileage, so it’s essential to explore multiple options to find the best rates.
How can I lower my auto insurance premiums in Harlan, KY?
There are several ways to potentially lower your auto insurance premiums in Harlan, KY. You can consider raising your deductibles, maintaining a clean driving record, bundling your auto insurance with other policies, installing safety features in your vehicle, and inquiring about available discounts such as good student discounts, safe driver discounts, or loyalty discounts. Comparing quotes from multiple insurance providers is also crucial to find the most affordable coverage.
Is it possible to find cheap auto insurance coverage without compromising on quality in Harlan, KY?
Yes, it is possible to find cheap auto insurance coverage without compromising on quality in Harlan, KY. By comparing quotes from different insurers, you can find affordable options that still offer the necessary coverage and excellent customer service. Look for insurance companies with a good reputation, positive customer reviews, and reliable claims processing.
What is the minimum auto insurance coverage required in Harlan, KY?
In Harlan, KY, drivers are required to have at least the minimum liability coverage as mandated by the state. As of my knowledge cutoff in September 2021, Kentucky’s minimum auto insurance requirements were $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident. Please note that these requirements may have changed, so it’s crucial to verify the current minimum coverage requirements with your insurance provider or the Kentucky Department of Insurance.
Are there any specific discounts available for Harlan, KY residents when purchasing auto insurance?
Various discounts may be available to Harlan, KY residents when purchasing auto insurance. Insurance providers often offer discounts for factors such as safe driving, bundling multiple policies, having a good credit score, being a loyal customer, or being a student with good grades. It’s recommended to inquire with insurance companies about the discounts they offer and if you qualify for any of them.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.