Best Oak Grove, KY Car Insurance in 2025
Car insurance in Oak Grove, KY averages $336 a month. Oak Grove, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oak Grove car insurance rates, compare quotes from the top car insurance companies in Oak Grove, KY.
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Table of Contents
Table of Contents
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated October 2024
- Average car insurance rates in Oak Grove, KY are $4,027/year
- Average car insurance rates in Oak Grove, KY after a DUI are $4,813/year
- The cheapest car insurance company in Oak Grove is USAA
If you need to buy Oak Grove, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Oak Grove, KY is right here.
You’ll find Oak Grove car insurance rates, the cheapest Oak Grove, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Oak Grove, Kentucky car insurance rates to Covington car insurance rates, Hopkinsville car insurance rates, and Henderson car insurance rates.
Ready to find affordable Oak Grove, KY car insurance today? Enter your ZIP code for fast, free Oak Grove car insurance quotes.
Cheapest Oak Grove, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Oak Grove, KY car insurance rates? Every Oak Grove, 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 | $3,150 | $3,117 | $2,843 | $3,032 | $11,672 | $13,132 | $3,493 | $3,695 |
| Geico | $3,087 | $2,859 | $3,218 | $2,914 | $6,168 | $7,329 | $2,524 | $2,185 |
| Liberty Mutual | $2,445 | $2,649 | $2,080 | $2,323 | $9,956 | $11,017 | $2,558 | $2,666 |
| Nationwide | $2,865 | $2,875 | $2,588 | $2,712 | $6,272 | $7,843 | $3,227 | $3,396 |
| Progressive | $1,943 | $1,850 | $1,742 | $1,749 | $9,441 | $10,686 | $2,409 | $2,475 |
| State Farm | $1,829 | $1,829 | $1,636 | $1,636 | $5,550 | $7,017 | $2,043 | $2,296 |
| Travelers | $2,193 | $2,234 | $2,147 | $2,153 | $10,346 | $16,544 | $2,290 | $2,658 |
| USAA | $1,612 | $1,614 | $1,458 | $1,482 | $4,257 | $4,487 | $2,029 | $2,220 |
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Minimum Car Insurance in Oak Grove, KY
Every driver must carry the minimum car insurance required by the state in Oak Grove, 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 Oak Grove, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Oak Grove, KY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Oak Grove from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,294 | $5,047 | $4,209 |
| Geico | $6,223 | $3,107 | $2,025 |
| Liberty Mutual | $6,368 | $3,919 | $3,099 |
| Nationwide | $4,825 | $3,790 | $3,302 |
| Progressive | $4,503 | $3,935 | $3,673 |
| State Farm | $4,315 | $2,599 | $2,024 |
| Travelers | $5,659 | $4,786 | $4,766 |
| USAA | $3,555 | $1,998 | $1,631 |
Cheapest Oak Grove, KY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Oak Grove, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,575 | $5,967 | $6,363 | $5,160 |
| Geico | $2,248 | $4,011 | $6,130 | $2,752 |
| Liberty Mutual | $3,728 | $5,713 | $4,449 | $3,957 |
| Nationwide | $3,161 | $4,084 | $5,164 | $3,480 |
| Progressive | $3,342 | $4,933 | $3,812 | $4,059 |
| State Farm | $2,718 | $3,241 | $2,980 | $2,980 |
| Travelers | $4,423 | $4,551 | $6,564 | $4,744 |
| USAA | $1,809 | $2,552 | $3,041 | $2,177 |
Cheapest Oak Grove, KY Car Insurance for Teen Drivers
Teen car insurance in Oak Grove, KY can be expensive. Take a look at rates from the top car insurance companies in Oak Grove for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,672 | $13,132 |
| Geico | $6,168 | $7,329 |
| Liberty Mutual | $9,956 | $11,017 |
| Nationwide | $6,272 | $7,843 |
| Progressive | $9,441 | $10,686 |
| State Farm | $5,550 | $7,017 |
| Travelers | $10,346 | $16,544 |
| USAA | $4,257 | $4,487 |
Cheapest Oak Grove, KY Car Insurance for Seniors
Take a look at Oak Grove, KY rates on car insurance for seniors 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 | $2,843 | $3,032 |
| Geico | $3,218 | $2,914 |
| Liberty Mutual | $2,080 | $2,323 |
| Nationwide | $2,588 | $2,712 |
| Progressive | $1,742 | $1,749 |
| State Farm | $1,636 | $1,636 |
| Travelers | $2,147 | $2,153 |
| USAA | $1,458 | $1,482 |
Cheapest Oak Grove, KY Car Insurance Rates After a DUI
A DUI in Oak Grove, KY increases car insurance rates. Compare Oak Grove, Kentucky car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,363 |
| Geico | $6,130 |
| Liberty Mutual | $4,449 |
| Nationwide | $5,164 |
| Progressive | $3,812 |
| State Farm | $2,980 |
| Travelers | $6,564 |
| USAA | $3,041 |
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Cheapest Oak Grove, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Oak Grove, 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 | $5,517 | $5,517 |
| Geico | $3,750 | $3,821 |
| Liberty Mutual | $4,462 | $4,462 |
| Nationwide | $3,972 | $3,972 |
| Progressive | $4,037 | $4,037 |
| State Farm | $2,907 | $3,052 |
| Travelers | $5,071 | $5,071 |
| USAA | $2,306 | $2,483 |
The Best Cheap Car Insurance Companies in Oak Grove, KY
Take a look at a side-by-side comparison of the top car insurance companies in Oak Grove, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,517 |
| Geico | $3,785 |
| Liberty Mutual | $4,462 |
| Nationwide | $3,972 |
| Progressive | $4,037 |
| State Farm | $2,980 |
| Travelers | $5,071 |
| USAA | $2,395 |
Category Winners: Cheapest Car Insurance in Oak Grove, Kentucky
Find the cheapest car insurance companies in Oak Grove, 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 Oak Grove, KY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Oak Grove car insurance rates. Find the cheapest Oak Grove, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,168 | $5,497 | $5,885 |
| Geico | $3,558 | $3,767 | $4,031 |
| Liberty Mutual | $4,254 | $4,435 | $4,697 |
| Nationwide | $4,032 | $3,926 | $3,959 |
| Progressive | $3,758 | $4,001 | $4,351 |
| State Farm | $2,819 | $2,979 | $3,141 |
| Travelers | $4,832 | $5,096 | $5,284 |
| USAA | $2,284 | $2,389 | $2,511 |
What affects car insurance rates in Oak Grove, Kentucky?
What are the factors that affect car insurance rates in Oak Grove, KY? There are several reasons why Oak Grove car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oak Grove, Kentucky.
Commute Time in Oak Grove
The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Grove, KY is 25.3 minutes according to City-Data.
Compare Car Insurance Quotes in Oak Grove, KY
Ready to find affordable Oak Grove, Kentucky car insurance today? Enter your ZIP code for fast, free Oak Grove, KY car insurance quotes.
Frequently Asked Questions
What factors can affect car insurance rates in Oak Grove, KY?
Several factors can influence car insurance rates in Oak Grove, KY. These factors include your driving record, age, gender, marital status, credit history, the type of car you drive, the coverage limits you choose, and the deductible amount.
Are car insurance rates higher in Oak Grove, KY compared to other areas?
Car insurance rates can vary from one location to another, including within the state of Kentucky. While rates in Oak Grove, KY may differ from other areas, it is essential to obtain quotes from different insurance providers to compare rates accurately.
How can I find the best car insurance rates in Oak Grove, KY?
To find the best car insurance rates in Oak Grove, KY, you can follow these steps:
- Shop around and obtain quotes from multiple insurance providers.
- Compare the coverage options and limits offered by different insurers.
- Consider factors such as customer reviews, financial stability, and claim handling reputation when selecting an insurer.
- Check if you qualify for any discounts offered by insurance companies.
What are some factors that can help lower car insurance rates in Oak Grove, KY?
There are several ways to potentially lower car insurance rates in Oak Grove, KY, including:
- Maintaining a clean driving record with no accidents or traffic violations.
- Opting for a higher deductible, which can lower your premium.
- Bundling your car insurance with other policies, such as home insurance.
- Installing safety features in your car, like anti-theft devices or advanced driver assistance systems. e. Inquiring about discounts, such as safe driver discounts or good student discounts.
Are there any cons to consider when comparing car insurance rates in Oak Grove, KY?
While comparing car insurance rates in Oak Grove, KY, you should be aware of potential cons, such as:
- Some companies may offer lower rates initially but increase premiums significantly upon policy renewal.
- The cheapest insurance policy may not always provide adequate coverage.
- Certain discounts or benefits may not be available from all insurance providers.
- Rates can vary based on individual circumstances, and the lowest rate for one person may not be the same for another.
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