The best car insurance in Bowling Green, KY

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Jessica Olivo

Jessica Olivo

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Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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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.

Key Takeaways

  • 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.

Cheapest car insurance companies in Bowling Green, KY

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.

Company

Average cost

JD Power Rating

GEICO

$902

871

State Farm

$907

881

Auto-Owners Insurance

$1,186

890

USAA

$1,240

890

Cincinnati Insurance

$1,383

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Cheapest car insurance rates by ZIP code in Bowling Green, KY

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.

ZIP code

Average cost

42101

$1,615

42103

$1,565

42104

$1,573

Choosing the right car insurance company in Bowling Green, KY

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.

Car insurance rates for drivers with driving violations in Bowling Green, KY

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.

Violation

GEICO

State Farm

Auto-Owners Insurance

USAA

Cincinnati Insurance

At-fault accident

$1,634

$1,069

$1,620

$1,994

$2,909

DUI

$2,325

$994

$2,669

$2,181

$3,722

Suspended license

$965

$994

$2,669

$2,058

$3,722

Open container

$965

$994

$1,218

$2,038

$2,887

Expired registration

$916

$994

$1,201

$1,690

$1,723

Driving without lights

$965

$994

$1,218

$1,690

$1,723

Not showing documents

$916

$994

$1,201

$1,690

$1,723

Running a red light

$965

$994

$1,218

$1,690

$1,723

Cheapest car insurance for drivers with bad credit in Bowling Green, KY

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.

Company

Rates for drivers with bad credit

GEICO

$1,607

Grange Insurance

$1,744

State Farm

$1,917

Nationwide

$2,225

Cincinnati Insurance

$2,399

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Buying car insurance in Bowling Green, KY

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

How to get cheap car insurance in Bowling Green, KY

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.

Frequently asked questions

How much is car insurance per month in Kentucky?

Drivers in Kentucky pay an average of $2,158 per year, which breaks down to $179.83 per month.

If I have health insurance or can cover my medical costs out of pocket, why should I pay for personal injury protection?

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.

Will an accident in my driving history make my cost of insurance rise?

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.

Is car insurance high in Kentucky?

Yes, drivers in Kentucky pay some of the highest car insurance rates in the nation. The only states with higher average car insurance rates are New York, New Jersey, Michigan, Louisiana, and Florida.

Methodology

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.