Cheapest car insurance companies in Bowling Green
A recent data analysis by Insurance.com found the cheapest car insurance companies are Travelers and Auto-Owners in Bowling Green for 2023.
In Bowling Green, Travelers provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,401 annually.
When it comes to car insurance costs in Bowling Green, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Travelers | $1,401 |
| Auto-Owners | $1,448 |
| USAA | $1,528 |
| Shelter Insurance | $1,606 |
| Kentucky Farm Bureau | $1,800 |
| State Farm | $1,821 |
| Geico | $1,874 |
| Progressive | $1,920 |
| Allstate | $2,867 |
| Farmers | $3,611 |
Cheapest car insurance cost in Bowling Green by Age Group
Auto-Owners is the cheapest option for car insurance in Bowling Green for teen drivers, with average annual premiums at just $4,054 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Travelers provides the cheapest car insurance coverage for young drivers in Bowling Green, with an annual premium of $2,160 on average.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Bowling Green is Travelers. Its average rate for a full coverage car insurance policy is $1,421 per year.
Travelers is the cheapest option for senior drivers in Bowling Green, with an average premium of $1,423 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers | N/A | $5,750 | $3,624 | $3,480 |
| Auto-Owners | $4,054 | $2,437 | $1,472 | $1,544 |
| Shelter Insurance | $4,388 | $2,882 | $1,639 | $1,496 |
| Travelers | $4,391 | $2,160 | $1,421 | $1,423 |
| USAA | $4,780 | $2,276 | $1,541 | $1,584 |
| Kentucky Farm Bureau | $4,830 | $3,030 | $1,755 | $1,673 |
| State Farm | $5,212 | $3,009 | $1,831 | $1,755 |
| Geico | $5,691 | $3,159 | $1,902 | $2,056 |
| Progressive | $8,730 | $3,115 | $1,936 | $2,016 |
| Allstate | $10,750 | $4,300 | $2,844 | $2,914 |
Cheapest car insurance companies in Bowling Green by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Bowling Green. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Bowling Green that suits your budget.
Here's a list of car insurance companies that offer cheap insurance rates in Bowling Green based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Bowling Green drivers is $1,620.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,620 |
| Nationwide | $1,830 |
| State Farm | $2,157 |
| Travelers | $2,457 |
| USAA | $2,494 |
| Progressive | $2,759 |
| Allstate | $3,335 |
Cheapest for drivers with a speeding ticket: State Farm
Based on recent data analysis, 30-year-old drivers in Bowling Green with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,140.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,140 |
| USAA | $1,615 |
| Nationwide | $1,723 |
| Geico | $1,837 |
| Travelers | $1,943 |
| Progressive | $2,165 |
| Allstate | $2,267 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Bowling Green is $1,222. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,222 |
| Nationwide | $1,908 |
| Travelers | $1,982 |
| USAA | $2,146 |
| Geico | $2,351 |
| Progressive | $2,849 |
| Allstate | $3,277 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Bowling Green for drivers with a DUI, with an average annual premium of $1,140.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,140 |
| USAA | $2,180 |
| Travelers | $2,464 |
| Nationwide | $2,564 |
| Progressive | $2,674 |
| Allstate | $2,965 |
| Geico | $4,225 |
Average car insurance cost in Bowling Green
In Bowling Green, the annual cost of car insurance for the coverage level of 100/300/100 is $1,987 or around $166 per month. However, the average yearly rate for state minimum coverage in Bowling Green is $525.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,987 | $525 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
Compare auto insurance rates by city in Kentucky
Helpful auto insurance tools and calculators
