Cheapest Auto Insurance in Bowling Green, Kentucky (2025)
National General offers the cheapest car insurance in Bowling Green, with rates starting at $89 per month.
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Bowling Green is the home of the Chevrolet Corvette, but fast luxury cars don’t seem to drive an increase in the city’s auto insurance rates. Bowling Green’s $118 per-month average premium for liability coverage is lower than the state average of $119.
The city’s smaller population and size compared to other Kentucky cities like Louisville and Lexington may help keep rates low.1
Even though Bowling Green residents already enjoy lower premiums, comparing quotes can help you further lower your insurance costs in the area.
Quick Facts
National General, Progressive, and Auto-Owners have the cheapest car insurance in Bowling Green.
The average rate for full-coverage car insurance in Bowling Green is $179 per month.
Kentucky is one of the top states for teenage driving fatalities.2
6 of the cheapest car insurance companies in Bowling Green
Whether you’re a rideshare driver picking up customers from Woodhurst Airport or wish to bundle your regular car insurance with a policy for your classic Corvette, the right auto insurance company for you is the one that can provide the best policy for the best rate.
Consider the benefits and disadvantages of choosing a policy from six of the cheapest car insurance companies in Bowling Green. Rates shown in the table are for the state of Kentucky.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for drivers with unique needs: State Farm
Best insurer for low rates: Auto-Owners
Best insurer for high-risk drivers: National General
How to get the cheapest car insurance in Bowling Green
Your age, gender, ZIP code, driving history, and more can all affect the rates you pay in Bowling Green. Some of these measurables are outside your control, but you can do some things to lower your rates:
Look for discounts. The best way to lower your rate instantly is to first ask for information about any discounts you may qualify for. Most companies offer discounts that range from remaining accident-free for a number of years to simply owning a car with the latest safety features.
Bundle your policies. Many companies offer reduced rates if you pair your car insurance policy with another policy, like life insurance, business insurance, or homeowners insurance.
Comparison shop. It’s a good idea to review your policy and see if you can get the same coverage for a cheaper quote. Insurance companies change their rates all the time, which means you may be able to get a good deal just by switching companies.
Cheapest liability-only car insurance in Bowling Green: National General
Liability-only car insurance covers the damage or injuries suffered by the other parties in an accident you cause. It doesn’t cover your own damages or injuries. This is why it’s often the cheapest policy available. Liability-only coverage may make sense for you if your vehicle is paid-off, older, or less expensive. But if you finance or lease your vehicle, you'll need to buy full coverage car insurance.
The average rate for liability-only car insurance in Bowling Green is $118 per month, and the table below shows average monthly rates available from the area’s top insurance companies.
Cheapest full-coverage car insurance in Bowling Green: Auto-Owners
Full-coverage car insurance includes liability coverage, but it also covers the damages and injuries you, your passengers, and your vehicle receives. Full coverage is optional coverage and typically includes comprehensive and collision insurance. If you have a loan on your car, your lender will likely require you to carry full coverage.
The average rate for full-coverage car insurance in Bowling Green is $179 per month.
You can compare average rates from different insurance companies in the table below.
Car insurance requirements in Kentucky
Kentucky’s minimum car insurance requirements are 25/50/25. This means you must carry $25,000 of bodily injury coverage per person per accident, $50,000 of bodily injury coverage for more than one person per accident, and $25,000 of property damage liability insurance per accident, in order to drive legally in Kentucky.5
Kentucky is also a no-fault state, which means that a driver can’t legally seek compensation for damages or injuries from the at-fault party except in special circumstances. All Kentucky drivers, except motorcyclists, must also carry personal injury protection (PIP) coverage.
Tort rights are also limited when you register your vehicle in Kentucky. This means you agree that you can’t sue an at-fault party unless you receive a broken bone, permanent disfigurement, permanent injury, death, or medical expenses exceeding $1,000.
While the coverages above meet the state’s minimum requirements, you may want to consider adding further protection with optional coverages, including:
Cheapest car insurance for drivers with an incident
Speeding tickets, at-fault accidents, moving violations like failing to stop at a stop sign, and driving under the influence are all incidents that insurance agencies label dangerous driving habits.
Dangerous driving increases your chances of getting into an accident, and then filing a claim, which is why insurance companies raise rates when you have these instances on your driving record.
You can see how different incidents affect the rate you pay for liability coverage in the table below.
Average cost of car insurance by age
Insurers consider young drivers — including teens and adults younger than 25 — high-risk drivers because they’re more likely to be involved in a car accident than older, more experienced drivers.
Thankfully, drivers see their rates decrease around age 35, provided they keep their driving records in good standing. Around age 70, senior drivers tend to see rates rise again because their more at risk of getting into an accident and getting seriously injured in an accident.
The table below shows how your age can affect the rate you pay for car insurance in Bowling Green.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bowling Green car insurance quotes by credit tier
Kentucky allows insurance companies to take your credit history into account when setting premiums. Although the insurance company can’t use your history as the sole rating factor in determining whether to deny you or reject a policy renewal, it can affect your premiums significantly.
The table below shows that Bowling Green drivers with poor credit scores tend to pay the highest premiums.
Bowling Green car insurance FAQs
If you want to learn more about car insurance in Bowling Green, this additional information may help.
How much is car insurance in Bowling Green?
The average rate for liability car insurance in Bowling Green is $118 per month. The average rate for full-coverage car insurance in Bowling Green is $179 per month. These rates are generally lower than the Kentucky state average.
Which company has the cheapest car insurance in Bowling Green?
National General offers the cheapest car insurance in Bowling Green, with rates starting at $89 per month for liability coverage.
Progressive and Auto-Owners also offer cheap coverage in the area, with monthly liability rates of $90 and $100, respectively.
What are the best car insurance companies in Bowling Green?
State Farm, Auto-Owners Insurance, and National General rank as three of the top insurers in Bowling Green.
State Farm and Auto-Owners both offer low rates and have demonstrated financial strength while offering a wide array of discounts. National General can be a good option for high-risk drivers seeking affordable insurance coverage.
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