Compare Edgewood, KY Car Insurance Rates [2024]
Car insurance in Edgewood, KY averages $313 a month. Edgewood, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Edgewood car insurance rates, compare quotes from the top car insurance companies in Edgewood, KY.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Jul 19, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jul 19, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Edgewood, KY after a DUI are $4,480/year
- The cheapest car insurance company in Edgewood for teen drivers is USAA
- Average car insurance rates in Edgewood, KY are $3,760/year
If you need to buy Edgewood, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Edgewood, KY is right here.
You’ll find Edgewood car insurance rates, the cheapest Edgewood, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Edgewood, Kentucky car insurance rates to Richmond car insurance rates, Covington car insurance rates, and Hopkinsville car insurance rates.
Ready to find affordable Edgewood, KY car insurance today? Enter your ZIP code for fast, free Edgewood car insurance quotes.
Cheapest Edgewood, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Edgewood, KY car insurance rates? Every Edgewood, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,933 | $2,893 | $2,660 | $2,836 | $11,111 | $12,503 | $3,226 | $3,399 |
| Geico | $2,868 | $2,651 | $3,011 | $2,727 | $6,090 | $7,177 | $2,334 | $2,004 |
| Liberty Mutual | $2,410 | $2,601 | $2,021 | $2,254 | $10,887 | $12,066 | $2,535 | $2,658 |
| Nationwide | $2,365 | $2,367 | $2,153 | $2,240 | $5,248 | $6,510 | $2,673 | $2,806 |
| Progressive | $1,802 | $1,706 | $1,628 | $1,631 | $8,992 | $10,150 | $2,229 | $2,270 |
| State Farm | $1,515 | $1,515 | $1,361 | $1,361 | $4,546 | $5,781 | $1,693 | $1,877 |
| Travelers | $1,962 | $1,994 | $1,937 | $1,937 | $9,422 | $15,043 | $2,057 | $2,354 |
| USAA | $1,636 | $1,628 | $1,487 | $1,498 | $4,456 | $4,673 | $2,050 | $2,229 |
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Minimum Car Insurance in Edgewood, KY
Every driver must carry the minimum car insurance in Edgewood, KY. Take a look at the Kentucky car insurance requirements.
| 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 |
Cheapest Edgewood, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Edgewood, KY. Compare credit history car insurance rates in Edgewood from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,858 | $4,760 | $3,967 |
| Geico | $5,933 | $2,962 | $1,929 |
| Liberty Mutual | $6,658 | $4,125 | $3,254 |
| Nationwide | $3,971 | $3,159 | $2,757 |
| Progressive | $4,220 | $3,711 | $3,472 |
| State Farm | $3,551 | $2,144 | $1,673 |
| Travelers | $5,109 | $4,336 | $4,320 |
| USAA | $3,632 | $2,057 | $1,683 |
Cheapest Edgewood, KY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Edgewood, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,290 | $5,621 | $6,015 | $4,854 |
| Geico | $2,157 | $3,826 | $5,805 | $2,643 |
| Liberty Mutual | $3,899 | $6,006 | $4,670 | $4,141 |
| Nationwide | $2,661 | $3,384 | $4,227 | $2,910 |
| Progressive | $3,146 | $4,662 | $3,584 | $3,812 |
| State Farm | $2,243 | $2,669 | $2,456 | $2,456 |
| Travelers | $4,000 | $4,113 | $5,951 | $4,288 |
| USAA | $1,853 | $2,612 | $3,130 | $2,233 |
Cheapest Edgewood, KY Car Insurance for Teen Drivers
Teen car insurance in Edgewood, KY can be expensive. Take a look at rates from the top car insurance companies in Edgewood for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,111 | $12,503 |
| Geico | $6,090 | $7,177 |
| Liberty Mutual | $10,887 | $12,066 |
| Nationwide | $5,248 | $6,510 |
| Progressive | $8,992 | $10,150 |
| State Farm | $4,546 | $5,781 |
| Travelers | $9,422 | $15,043 |
| USAA | $4,456 | $4,673 |
Cheapest Edgewood, KY Car Insurance for Seniors
Take a look at Edgewood, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,660 | $2,836 |
| Geico | $3,011 | $2,727 |
| Liberty Mutual | $2,021 | $2,254 |
| Nationwide | $2,153 | $2,240 |
| Progressive | $1,628 | $1,631 |
| State Farm | $1,361 | $1,361 |
| Travelers | $1,937 | $1,937 |
| USAA | $1,487 | $1,498 |
Cheapest Edgewood, KY Car Insurance Rates After a DUI
A DUI in Edgewood, KY increases car insurance rates. Compare Edgewood, Kentucky DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,015 |
| Geico | $5,805 |
| Liberty Mutual | $4,670 |
| Nationwide | $4,227 |
| Progressive | $3,584 |
| State Farm | $2,456 |
| Travelers | $5,951 |
| USAA | $3,130 |
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Cheapest Edgewood, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Edgewood, KY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,195 | $5,195 |
| Geico | $3,574 | $3,642 |
| Liberty Mutual | $4,679 | $4,679 |
| Nationwide | $3,295 | $3,295 |
| Progressive | $3,801 | $3,801 |
| State Farm | $2,393 | $2,519 |
| Travelers | $4,588 | $4,588 |
| USAA | $2,367 | $2,547 |
The Best Cheap Car Insurance Companies in Edgewood, KY
Take a look at a side-by-side comparison of the top car insurance companies in Edgewood, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,195 |
| Geico | $3,608 |
| Liberty Mutual | $4,679 |
| Nationwide | $3,295 |
| Progressive | $3,801 |
| State Farm | $2,456 |
| Travelers | $4,588 |
| USAA | $2,457 |
Category Winners: Cheapest Car Insurance in Edgewood, Kentucky
Find the cheapest car insurance companies in Edgewood, KY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Edgewood, KY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Edgewood car insurance rates. Find the cheapest Edgewood, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,838 | $5,175 | $5,572 |
| Geico | $3,361 | $3,598 | $3,865 |
| Liberty Mutual | $4,497 | $4,657 | $4,883 |
| Nationwide | $3,289 | $3,267 | $3,330 |
| Progressive | $3,499 | $3,765 | $4,139 |
| State Farm | $2,283 | $2,456 | $2,630 |
| Travelers | $4,360 | $4,614 | $4,791 |
| USAA | $2,333 | $2,451 | $2,587 |
What affects car insurance rates in Edgewood, Kentucky?
What factors can have an impact on Edgewood, KY car insurance? There are several reasons why Edgewood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Edgewood, Kentucky.
Commute Time in Edgewood
The more time you spend in your car the higher the risk of an accident. The average commute length in Edgewood, KY is 22.4 minutes according to City-Data.
Compare Car Insurance Quotes in Edgewood, KY
Ready to find affordable Edgewood, Kentucky car insurance today? Enter your ZIP code for fast, free Edgewood, KY car insurance quotes.
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Frequently Asked Questions
How are car insurance rates for Edgewood, KY determined?
Car insurance rates for Edgewood, KY, are determined by several factors. These include the driver’s age, driving record, credit history, location within Edgewood, coverage options selected, deductible amount, annual mileage, and the specific make, model, and year of the vehicle. Insurance companies also consider local factors such as accident rates, theft rates, and the cost of repairs and medical services in the area.
Are car insurance rates higher in Edgewood, KY compared to other areas?
Car insurance rates can vary based on multiple factors, so it’s challenging to make a general statement about rates in Edgewood, KY compared to other areas. Rates can be influenced by local factors such as the number of accidents and thefts in the area, as well as state-specific regulations and insurance market conditions. Additionally, your personal driving profile and the coverage options you select will play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Edgewood, KY?
To find the best car insurance rates in Edgewood, KY, it’s recommended to shop around and compare quotes from multiple insurance providers. You can contact different insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. Providing accurate and consistent information when requesting quotes will help ensure you receive accurate rates for comparison.
What can I do to lower my car insurance rates in Edgewood, KY?
There are several strategies you can employ to potentially lower your car insurance rates in Edgewood, KY:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy discounts, good driver discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the mandatory requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Edgewood, KY?
When insuring a vehicle in Edgewood, KY, it’s important to consider factors such as the local weather conditions, traffic patterns, and potential risks in the area. Understanding the specific insurance requirements and regulations in Kentucky is essential to ensure you meet the minimum coverage requirements. Additionally, if you live in an area prone to severe weather events, such as hailstorms, you may want to consider comprehensive coverage to protect your vehicle against such damages.
Are there any local insurance providers in Edgewood, KY?
There may be local insurance providers in Edgewood, KY, in addition to national or regional insurance companies. Local providers may offer unique coverage options or be familiar with specific factors that affect insurance rates in the area. It’s recommended to research and compare both local and national insurance providers to find the best coverage and rates for your needs.
Should I consider specialized coverage for my vehicle in Edgewood, KY?
The decision to add specialized coverage to your vehicle in Edgewood, KY depends on your specific circumstances and preferences. It’s advisable to evaluate factors such as the age and value of your vehicle, your driving habits, and potential risks in the area. Specialized coverage options such as comprehensive and collision insurance may provide additional protection beyond the mandatory liability coverage. Consider your needs and consult with insurance providers to determine the appropriate coverage for your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.