Compare Beaver Dam, KY Car Insurance Rates [2024]
Car insurance in Beaver Dam, KY averages $338 a month. Beaver Dam, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Beaver Dam car insurance rates, compare quotes from the top car insurance companies in Beaver Dam, KY.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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: Nov 27, 2023
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 Beaver Dam, KY after a DUI are $4,828/year
- The cheapest car insurance company in Beaver Dam for teen drivers is USAA
- The cheapest car insurance company in Beaver Dam is USAA
If you need to buy Beaver Dam, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Beaver Dam, KY is right here.
You’ll find Beaver Dam car insurance rates, the cheapest Beaver Dam, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Beaver Dam, Kentucky car insurance rates to Frankfort car insurance rates, Owensboro car insurance rates, and Nicholasville car insurance rates.
Ready to find affordable Beaver Dam, KY car insurance today? Enter your ZIP code for fast, free Beaver Dam car insurance quotes.
Cheapest Beaver Dam, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Beaver Dam, KY car insurance rates? Every Beaver Dam, 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 | $3,245 | $3,232 | $2,907 | $3,103 | $11,482 | $12,892 | $3,651 | $3,885 |
| Geico | $3,469 | $3,214 | $3,608 | $3,267 | $6,831 | $8,150 | $2,841 | $2,465 |
| Liberty Mutual | $2,655 | $2,874 | $2,281 | $2,540 | $10,910 | $12,026 | $2,761 | $2,846 |
| Nationwide | $2,787 | $2,798 | $2,519 | $2,640 | $6,037 | $7,550 | $3,132 | $3,296 |
| Progressive | $2,111 | $2,016 | $1,880 | $1,897 | $9,978 | $11,285 | $2,619 | $2,689 |
| State Farm | $2,044 | $2,044 | $1,828 | $1,828 | $6,152 | $7,766 | $2,280 | $2,563 |
| Travelers | $1,630 | $1,658 | $1,599 | $1,603 | $7,464 | $11,944 | $1,698 | $1,950 |
| USAA | $1,808 | $1,817 | $1,625 | $1,660 | $4,763 | $5,030 | $2,289 | $2,513 |
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Minimum Car Insurance in Beaver Dam, KY
Every driver must carry the minimum car insurance in Beaver Dam, 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 Beaver Dam, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Beaver Dam, KY. Compare credit history car insurance rates in Beaver Dam from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,349 | $5,064 | $4,235 |
| Geico | $6,955 | $3,473 | $2,264 |
| Liberty Mutual | $6,947 | $4,271 | $3,367 |
| Nationwide | $4,672 | $3,666 | $3,197 |
| Progressive | $4,833 | $4,194 | $3,900 |
| State Farm | $4,788 | $2,893 | $2,258 |
| Travelers | $4,112 | $3,490 | $3,477 |
| USAA | $4,007 | $2,237 | $1,820 |
Cheapest Beaver Dam, 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 Beaver Dam, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,647 | $5,999 | $6,349 | $5,203 |
| Geico | $2,508 | $4,482 | $6,862 | $3,070 |
| Liberty Mutual | $4,050 | $6,236 | $4,850 | $4,311 |
| Nationwide | $3,060 | $3,953 | $4,997 | $3,369 |
| Progressive | $3,567 | $5,255 | $4,075 | $4,340 |
| State Farm | $3,025 | $3,602 | $3,313 | $3,313 |
| Travelers | $3,233 | $3,324 | $4,756 | $3,459 |
| USAA | $2,027 | $2,867 | $3,420 | $2,438 |
Cheapest Beaver Dam, KY Car Insurance for Teen Drivers
Teen car insurance in Beaver Dam, KY can be expensive. Take a look at rates from the top car insurance companies in Beaver Dam for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,482 | $12,892 |
| Geico | $6,831 | $8,150 |
| Liberty Mutual | $10,910 | $12,026 |
| Nationwide | $6,037 | $7,550 |
| Progressive | $9,978 | $11,285 |
| State Farm | $6,152 | $7,766 |
| Travelers | $7,464 | $11,944 |
| USAA | $4,763 | $5,030 |
Cheapest Beaver Dam, KY Car Insurance for Seniors
Take a look at Beaver Dam, 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 | $2,907 | $3,103 |
| Geico | $3,608 | $3,267 |
| Liberty Mutual | $2,281 | $2,540 |
| Nationwide | $2,519 | $2,640 |
| Progressive | $1,880 | $1,897 |
| State Farm | $1,828 | $1,828 |
| Travelers | $1,599 | $1,603 |
| USAA | $1,625 | $1,660 |
Cheapest Beaver Dam, KY Car Insurance Rates After a DUI
A DUI in Beaver Dam, KY increases car insurance rates. Compare Beaver Dam, Kentucky DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,349 |
| Geico | $6,862 |
| Liberty Mutual | $4,850 |
| Nationwide | $4,997 |
| Progressive | $4,075 |
| State Farm | $3,313 |
| Travelers | $4,756 |
| USAA | $3,420 |
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Cheapest Beaver Dam, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Beaver Dam, 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 | $5,550 | $5,550 |
| Geico | $4,191 | $4,270 |
| Liberty Mutual | $4,862 | $4,862 |
| Nationwide | $3,845 | $3,845 |
| Progressive | $4,309 | $4,309 |
| State Farm | $3,234 | $3,392 |
| Travelers | $3,693 | $3,693 |
| USAA | $2,588 | $2,788 |
The Best Cheap Car Insurance Companies in Beaver Dam, KY
Take a look at a side-by-side comparison of the top car insurance companies in Beaver Dam, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,550 |
| Geico | $4,231 |
| Liberty Mutual | $4,862 |
| Nationwide | $3,845 |
| Progressive | $4,309 |
| State Farm | $3,313 |
| Travelers | $3,693 |
| USAA | $2,688 |
Category Winners: Cheapest Car Insurance in Beaver Dam, Kentucky
Find the cheapest car insurance companies in Beaver Dam, KY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Travelers |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Beaver Dam, KY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Beaver Dam car insurance rates. Find the cheapest Beaver Dam, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,222 | $5,531 | $5,895 |
| Geico | $3,993 | $4,208 | $4,492 |
| Liberty Mutual | $4,620 | $4,828 | $5,137 |
| Nationwide | $3,908 | $3,801 | $3,826 |
| Progressive | $4,043 | $4,270 | $4,615 |
| State Farm | $3,132 | $3,309 | $3,499 |
| Travelers | $3,493 | $3,709 | $3,878 |
| USAA | $2,578 | $2,682 | $2,803 |
What affects car insurance rates in Beaver Dam, Kentucky?
What factors can have an impact on Beaver Dam, KY car insurance? There are several reasons why Beaver Dam car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Beaver Dam, Kentucky.
Commute Time in Beaver Dam
The more time you spend in your car the higher the risk of an accident. The average commute length in Beaver Dam, KY is 22.7 minutes according to City-Data.
Compare Car Insurance Quotes in Beaver Dam, KY
Ready to find affordable Beaver Dam, Kentucky car insurance today? Enter your ZIP code for fast, free Beaver Dam, KY car insurance quotes.
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Frequently Asked Questions
What factors influence car insurance rates in Beaver Dam, KY?
Several factors affect car insurance rates in Beaver Dam, KY. These factors may include your driving record, age, gender, type of vehicle, credit history, coverage limits, deductible amounts, and the level of insurance coverage you choose.
Are car insurance rates in Beaver Dam, KY higher than the national average?
Car insurance rates can vary significantly from one location to another. While rates in Beaver Dam, KY may be influenced by local factors, such as traffic patterns and crime rates, it’s important to compare them to the national average to get a better understanding. However, without specific comparison data, it’s difficult to determine if the rates in Beaver Dam, KY are higher or lower than the national average.
How can I find the best car insurance rates in Beaver Dam, KY?
To find the best car insurance rates in Beaver Dam, KY, you should consider getting quotes from multiple insurance providers. You can either reach out to individual insurance companies or use online comparison tools to gather and compare quotes. It’s also important to review the coverage options and policy terms to ensure you’re getting adequate protection for your needs.
Are there any discounts available for car insurance in Beaver Dam, KY?
Many car insurance providers offer various discounts that can help you save money on your premiums in Beaver Dam, KY. These discounts may include safe driver discounts, multi-vehicle discounts, bundling discounts (if you have multiple policies with the same company), discounts for completing defensive driving courses, and more. It’s advisable to inquire about available discounts when obtaining insurance quotes.
Can I lower my car insurance rates in Beaver Dam, KY?
Yes, there are several ways to potentially lower your car insurance rates in Beaver Dam, KY. Here are a few strategies you can consider:
- Maintain a clean driving record and avoid traffic violations.
- Opt for a higher deductible, which may lower your premiums.
- Take advantage of available discounts offered by insurance providers.
- Consider bundling your car insurance with other policies, such as home insurance, to qualify for multi-policy discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.