Compare Prestonsburg, KY Car Insurance Rates [2024]
Car insurance in Prestonsburg, KY averages $567 a month. Prestonsburg, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Prestonsburg car insurance rates, compare quotes from the top car insurance companies in Prestonsburg, KY.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
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 Prestonsburg, KY are $6,808/year
- The cheapest car insurance company in Prestonsburg for teen drivers is USAA
- The cheapest car insurance company in Prestonsburg is USAA
If you need to buy Prestonsburg, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Prestonsburg, KY is right here.
You’ll find Prestonsburg car insurance rates, the cheapest Prestonsburg, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Prestonsburg, Kentucky car insurance rates to Florence car insurance rates, Hopkinsville car insurance rates, and Richmond car insurance rates.
Ready to find affordable Prestonsburg, KY car insurance today? Enter your ZIP code for fast, free Prestonsburg car insurance quotes.
Cheapest Prestonsburg, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Prestonsburg, KY car insurance rates? Every Prestonsburg, 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 | $5,387 | $5,301 | $4,961 | $5,262 | $19,837 | $21,974 | $5,819 | $6,068 |
| Geico | $4,386 | $4,051 | $4,595 | $4,158 | $8,902 | $10,417 | $3,551 | $3,058 |
| Liberty Mutual | $4,474 | $4,881 | $3,793 | $4,284 | $18,299 | $20,339 | $4,649 | $4,815 |
| Nationwide | $5,569 | $5,493 | $5,035 | $5,213 | $12,492 | $15,331 | $6,338 | $6,544 |
| Progressive | $3,309 | $3,127 | $3,001 | $3,000 | $16,832 | $19,090 | $4,110 | $4,145 |
| State Farm | $2,442 | $2,442 | $2,163 | $2,163 | $6,550 | $8,312 | $2,705 | $2,986 |
| Travelers | $4,021 | $4,096 | $3,958 | $3,966 | $20,585 | $33,458 | $4,203 | $4,868 |
| USAA | $2,086 | $2,099 | $1,883 | $1,927 | $5,515 | $5,811 | $2,647 | $2,914 |
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Minimum Car Insurance in Prestonsburg, KY
Every driver must carry the minimum car insurance in Prestonsburg, 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 Prestonsburg, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Prestonsburg, KY. Compare credit history car insurance rates in Prestonsburg from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,575 | $8,452 | $6,951 |
| Geico | $8,861 | $4,424 | $2,884 |
| Liberty Mutual | $11,787 | $7,164 | $5,624 |
| Nationwide | $9,520 | $7,384 | $6,351 |
| Progressive | $7,891 | $6,901 | $6,437 |
| State Farm | $5,332 | $3,262 | $2,568 |
| Travelers | $11,053 | $9,330 | $9,300 |
| USAA | $4,625 | $2,592 | $2,113 |
Cheapest Prestonsburg, 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 Prestonsburg, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,729 | $10,064 | $10,783 | $8,728 |
| Geico | $3,255 | $5,722 | $8,597 | $3,985 |
| Liberty Mutual | $6,815 | $10,542 | $8,160 | $7,251 |
| Nationwide | $6,118 | $7,981 | $10,149 | $6,759 |
| Progressive | $5,832 | $8,740 | $6,643 | $7,091 |
| State Farm | $3,443 | $3,998 | $3,721 | $3,721 |
| Travelers | $8,598 | $8,850 | $12,895 | $9,234 |
| USAA | $2,341 | $3,319 | $3,962 | $2,818 |
Cheapest Prestonsburg, KY Car Insurance for Teen Drivers
Teen car insurance in Prestonsburg, KY can be expensive. Take a look at rates from the top car insurance companies in Prestonsburg for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,837 | $21,974 |
| Geico | $8,902 | $10,417 |
| Liberty Mutual | $18,299 | $20,339 |
| Nationwide | $12,492 | $15,331 |
| Progressive | $16,832 | $19,090 |
| State Farm | $6,550 | $8,312 |
| Travelers | $20,585 | $33,458 |
| USAA | $5,515 | $5,811 |
Cheapest Prestonsburg, KY Car Insurance for Seniors
Take a look at Prestonsburg, 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 | $4,961 | $5,262 |
| Geico | $4,595 | $4,158 |
| Liberty Mutual | $3,793 | $4,284 |
| Nationwide | $5,035 | $5,213 |
| Progressive | $3,001 | $3,000 |
| State Farm | $2,163 | $2,163 |
| Travelers | $3,958 | $3,966 |
| USAA | $1,883 | $1,927 |
Cheapest Prestonsburg, KY Car Insurance Rates After a DUI
A DUI in Prestonsburg, KY increases car insurance rates. Compare Prestonsburg, Kentucky DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $10,783 |
| Geico | $8,597 |
| Liberty Mutual | $8,160 |
| Nationwide | $10,149 |
| Progressive | $6,643 |
| State Farm | $3,721 |
| Travelers | $12,895 |
| USAA | $3,962 |
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Cheapest Prestonsburg, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Prestonsburg, 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 | $9,326 | $9,326 |
| Geico | $5,341 | $5,438 |
| Liberty Mutual | $8,192 | $8,192 |
| Nationwide | $7,752 | $7,752 |
| Progressive | $7,077 | $7,077 |
| State Farm | $3,632 | $3,809 |
| Travelers | $9,894 | $9,894 |
| USAA | $2,991 | $3,229 |
The Best Cheap Car Insurance Companies in Prestonsburg, KY
Take a look at a side-by-side comparison of the top car insurance companies in Prestonsburg, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $9,326 |
| Geico | $5,390 |
| Liberty Mutual | $8,192 |
| Nationwide | $7,752 |
| Progressive | $7,077 |
| State Farm | $3,721 |
| Travelers | $9,894 |
| USAA | $3,110 |
Category Winners: Cheapest Car Insurance in Prestonsburg, Kentucky
Find the cheapest car insurance companies in Prestonsburg, KY for each category right here.
| 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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Cheapest Prestonsburg, KY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Prestonsburg car insurance rates. Find the cheapest Prestonsburg, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $8,099 | $9,247 | $10,632 |
| Geico | $4,884 | $5,352 | $5,934 |
| Liberty Mutual | $7,620 | $8,119 | $8,836 |
| Nationwide | $7,743 | $7,625 | $7,887 |
| Progressive | $6,307 | $6,909 | $8,013 |
| State Farm | $3,486 | $3,707 | $3,969 |
| Travelers | $9,340 | $9,923 | $10,419 |
| USAA | $2,950 | $3,102 | $3,279 |
What affects car insurance rates in Prestonsburg, Kentucky?
What factors can have an impact on Prestonsburg, KY car insurance? There are several reasons why Prestonsburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Prestonsburg, Kentucky.
Commute Time in Prestonsburg
The more time you spend in your car the higher the risk of an accident. The average commute length in Prestonsburg, KY is 16.0 minutes according to City-Data.
Compare Car Insurance Quotes in Prestonsburg, KY
Ready to find affordable Prestonsburg, Kentucky car insurance today? Enter your ZIP code for fast, free Prestonsburg, KY car insurance quotes.
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Frequently Asked Questions
How are car insurance rates determined in Prestonsburg, KY?
Car insurance rates in Prestonsburg, KY are determined by various factors, including your age, gender, driving record, the type of car you drive, your credit history, and the coverage options you choose. Insurance companies also consider local factors such as crime rates and accident statistics in the area.
What are the average car insurance rates in Prestonsburg, KY?
The average car insurance rates in Prestonsburg, KY can vary depending on individual circumstances. However, on average, drivers in Prestonsburg may pay around $1,200 to $1,500 per year for car insurance coverage. It’s important to note that these are rough estimates, and actual rates may differ based on the factors mentioned earlier.
How can I find the best car insurance rates in Prestonsburg, KY?
To find the best car insurance rates in Prestonsburg, KY, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Evaluate coverage needs: Assess your specific coverage requirements and tailor your policy accordingly.
- Maintain a good driving record: Safe driving can help you qualify for lower rates and discounts.
- Improve your credit score: A good credit score may result in lower insurance premiums.
- Ask about discounts: Inquire about available discounts, such as multi-car, multi-policy, or safe driver discounts.
Are there any specific insurance requirements in Prestonsburg, KY?
Yes, like in most states, Kentucky law requires drivers in Prestonsburg to carry minimum liability insurance coverage. The minimum requirements in Kentucky are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
What are the pros of car insurance in Prestonsburg, KY?
Pros:
- Competitive rates: Compared to larger cities, car insurance rates in Prestonsburg may be lower.
- Local insurance agents: Having access to local agents can provide personalized assistance and support.
- Coverage options: There are various coverage options available to meet specific needs.
What are the cons of car insurance in Prestonsburg, KY?
Cons:
- Limited choices: As Prestonsburg is a smaller city, the number of insurance companies may be more limited compared to larger urban areas.
- Rural driving risks: Some rural areas around Prestonsburg may have unique driving risks, such as wildlife or road conditions, which may affect insurance rates.
- Higher rates for certain drivers: Factors like a poor driving record or credit history can lead to higher insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
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.