Average car insurance rates in Bowling Green are currently $1,584 per year, much lower than the Kentucky state average. While that might seem like a big part of your budget, it is less than what it might cost to pay for medical bills and repairs in the event of a collision.
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If you’re overwhelmed by the cost of insurance, Policygenius can help you find the most affordable policy for your needs by comparing the car insurance rates from many different insurers.
GEICO has the lowest rates in Bowling Green with an average rate of $902.
For drivers with bad credit, GEICO also offers the lowest rates in Bowling Green, at $1,607.
Liability requirements in Kentucky include $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $10,000 in property damage coverage.
While all insurance companies look at your personal data such as age, location, and driving history, they don’t all use this information in the same way. Some companies may be more interested in how long you’ve been driving while others concentrate on the amount of crime where you live. Because of this, it’s important to shop around to find the best rate for your circumstances.
Your state, city, and even your neighborhood can give companies an idea of how likely you are to file an insurance claim. Residents in areas with dense populations and high crime rates will see more expensive premiums because drivers are at a greater risk of getting into an accident or having their car stolen. Rates in Bowling Green fluctuate for these reasons, with residents of ZIP code 42101 paying more than drivers living in other parts of the city.
There are many factors that go into determining what you’ll pay for car insurance, and unfortunately, several of them are out of your control, like your age or location. What you can control, however, is how you approach purchasing your new policy.
Shop around for new insurance every one to three years to make sure you’re paying the lowest rates; get quotes from different companies to compare prices; and trust the experts at Policygenius to help you find the best policy for the most affordable price.
All insurance companies have access to your driving record. If you have had an accident or traffic violation in the last few years, it’s possible that you will pay more for car insurance.
Drivers with poor credit scores are more likely to need their insurance in case of an accident while those with a high score are statistically more likely to pay out of pocket when they are able. If you have a low credit score, it’s important to shop around.
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When it comes to car insurance coverage, states are either considered “at-fault” states, which means whoever caused the accident is responsible for covering the costs, or they are “no-fault” states, which means each driver pays their own medical bills resulting from the accident.
Kentucky is a no-fault state, but drivers have the opportunity to opt out of the corresponding coverage that is normally mandated. Most no-fault states require drivers to have personal injury protection, which pays for some of the costs incurred from an accident. In Kentucky, drivers have the option to opt-out of this coverage, as long as they do so in writing.
Kentucky does require a minimum amount of liability coverage. All Kentucky drivers must have:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $10,000
Personal injury protection: $10,000 per accident, however PIP coverage can be rejected in writing
Uninsured/underinsured motorist coverage: Optional, but Kentucky specifies the insurer include UM/UMI at $25,000 per person and $50,000 per accident unless you expressly reject it in writing
Insurance companies often offer the following discounts, as well as others, which may be able to reduce the cost of your premium:
Drive safely: A clean driving history or a defensive driving class can lead to a discount on your policy.
Be a good student: Some insurers will give a discount for students who achieve a certain GPA.
Use safety features: Companies offer discounts for cars with up-to-date safety features that save money on medical costs.
Bundling: Save money by purchasing home and auto insurance from the same company.
Military discounts: Discounts are often offered for service members and veterans.
Shop around: Use Policygenius to compare car insurance policies and save.
Young drivers will pay more for auto insurance due to their lack of experience and propensity for accidents. The same goes for new drivers at any age—the less time you’ve been licensed, the more your insurance will cost.
ZIP codes with high crime rates will see higher insurance rates. Incidents of theft and vandalism in a certain area make it more likely that customers will have to file a claim at some point.
PIP coverage not only covers your bills, but the medical costs of your passengers as well. You may need to see an in-network doctor or meet a high deductible with your health insurance. Personal injury protection also covers lost wages after an injury.
If you are at fault, you will likely see your rate go up. For example, while GEICO’s premiums average $916 for a clean record, an at-fault accident will increase your premiums to $1,634. For a non at-fault accident in Kentucky, however, none of the major insurance companies will raise your rates.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.