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Get Cheap Car Insurance in Owensboro, KY
We monitor insurance prices, helping the average driver in Owensboro save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Owensboro
The chart below shows the cheapest car insurance company in Owensboro for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Owensboro Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $59 |
| State Farm | $59 |
| Travelers | $86 |
| Geico | $93 |
Savings for Every Kind of Owensboro Driver
Based on our extensive insurance data, we know the average Owensboro driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $522 per year by choosing the right vehicle insurance company. Some Owensboro residents are paying out over $2,065 extra every year for auto insurance in Owensboro. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Owensboro, KY Savings / Yr. |
|---|---|
$522 |
|
$856 |
|
$842 |
|
$852 |
|
$1,686 |
|
$564 |
|
$904 |
Owensboro Car Insurance vs. Kentucky
People living in Owensboro pay an average of 3.22% less than the typical driver in the state. The average driver in Owensboro can expect to pay about $1,064 per year, or $2,065 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Owensboro for most people.
Car Insurance Prices by Owensboro Neighborhood
Insurance Prices
Where is insurance cheapest within Owensboro?
The map shows insurance prices in and around Owensboro, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $403 per year within the city boundaries, with insurance premiums ranging from a high of $2,379 to a low of $1,976. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Owensboro.Pick the Best Car Insurance Company for You in Owensboro
The best car insurance provider for most drivers in Owensboro
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $522 over the average Owensboro car insurance company.
The best car insurance provider for Owensboro drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $856 over the competition.
The best car insurance company for Owensboro drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $842 better than other car insurance companies.
The best auto insurance for Owensboro drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $852 less each year.
The least expensive car insurance company for new and young drivers in Owensboro
In Owensboro, State Farm costs young drivers $1,686 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Owensboro
State Farm gave the largest car insurance discounts to married couples, averaging $564 saved each year compared to an average Owensboro couple's premiums.
The cheapest car insurance in Owensboro for drivers with bad credit
The best Owensboro car insurance company for customer service
Recent price drops
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The cheapest large national provider in Owensboro
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Owensboro driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Owensboro, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Owensboro
What Influences the Cost of Car Insurance in Owensboro?
On average, car insurance in Owensboro is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Owensboro is 23 minutes, which is far less than average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Owensboro are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Owensboro is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Owensboro is $89 per month for minimum coverage and $172 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Rome: Insurance costs 0.48% more
- Masonville: Insurance costs 2.18% less
- Sorgho: Insurance costs 0.63% less
- Patronville: Insurance costs 43.44% less
- Moseleyville: Insurance costs 0.87% less
- Dermont: Insurance costs 3.58% less
- Philpot: Insurance costs 1.65% less
- Rockport: Insurance costs 42.52% less
- Maceo: Insurance costs 3.73% less
- Panther: Insurance costs 0.68% less
Cities with Similar Populations
- Iowa City: Insurance costs 39.85% less
- Independence: Insurance costs 7.36% less
- Irvine: Insurance costs 1.94% more
- Houston: Insurance costs 8.33% less
- Huntsville: Insurance costs 23.78% less
- Hoover: Insurance costs 20.77% less
- Irving: Insurance costs 6.92% less
- Harlingen: Insurance costs 12.64% less
- Hawthorne: Insurance costs 17.00% more
- Hammond: Insurance costs 30.56% less