Cheapest Auto Insurance in Henderson, Kentucky (2025)
National General offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $90 per month.
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Home to about 27,700 residents, Henderson is a picturesque town on the banks of the Ohio River in northern Kentucky.1 Henderson drivers pay an overall average of $150 per month for car insurance, which is similar to the Kentucky average of $155 per month.
Drivers in northern Kentucky, including in Henderson, may face more expensive rates than the national average of $143 due to the prevalence of tornadoes in the area. Though not technically in Tornado Alley, northern Kentucky can experience severe tornadoes and outbreaks.2
You can find the best rates for your driving situation by shopping around for quotes from multiple insurers. Here’s what you should know about locking in cheap auto insurance premiums as a Henderson resident.
Quick Facts
Because Kentucky is a choice no-fault state, drivers can opt out of the state’s required basic personal injury protection (PIP) coverage.3
On average, Henderson drivers pay $186 per month for full-coverage car insurance and $113 per month for liability-only car insurance.
Auto-Owners is the cheapest full-coverage car insurance company in Henderson, with rates starting at $130 per month.
3 of the cheapest car insurance companies in Henderson
The best car insurance company for you will vary based on your unique situation. Some key factors that affect which insurer will work best for you include your driving record, location, age, and vehicle type.
Below, you can look at a few top insurers in Henderson to start your search. But it’s still important to shop around and get quotes from multiple insurance companies.
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
Best insurer for families: State Farm
Best insurer for high-risk drivers: National General
How to get the cheapest car insurance in Henderson
Car insurance is an unavoidable cost for drivers, but you can lower your costs in a few different ways. Consider the following options to earn cheaper rates:
Increase your deductible. A higher insurance deductible usually translates to a lower insurance premium. If you have the money to afford a higher deductible, this is a useful option.
Shop around. Comparing rates across multiple insurance companies can help you find the best coverage for you at the right price.
Seek out discounts. Many insurance companies offer discounts for safe driving, installing safety features, bundling policies, and more. It never hurts to ask the insurance company if you qualify for a discount.
Cheapest liability-only car insurance in Henderson: National General
Liability car insurance includes protection for property damage and bodily injury you cause the other driver and their passengers during an accident. This type of insurance doesn’t cover any of your medical expenses or vehicle repair costs.
Though liability-only auto insurance is typically the most affordable auto coverage, you can face significant out-of-pocket expenses after an accident without more robust coverage.4
The average cost of liability coverage in the city is $113 per month. Here are some of the cheapest car insurance options for liability coverage in Henderson.
Cheapest full-coverage car insurance in Henderson: Auto-Owners
Drivers looking for more financial protection should consider purchasing a full-coverage car insurance policy. In addition to liability coverage, this type of auto insurance includes both collision and comprehensive coverages.
After an accident or incident, a full-coverage policy can help you pay to repair or replace your vehicle. Most auto lenders require you to carry this coverage if you have an auto loan. Drivers with new or expensive vehicles should also consider purchasing this coverage.
The average cost of full coverage in the city is $186 per month. Here are some of the cheapest full-coverage insurance options for Henderson drivers.
Car insurance requirements in Kentucky
It’s illegal to operate a vehicle on a public road in Kentucky without a minimum amount of bodily injury and property damage liability insurance.5 The state also requires basic personal injury protection (PIP) coverage, which pays up to $10,000 for medical expenses and $200 per week for lost wages following an accident.
Because Kentucky is a choice no-fault state, drivers have the option to reject the state’s basic PIP coverage in writing to the Department of Insurance. You then can’t receive any PIP benefits, and others can sue you for injuries in some cases.
Find the state’s specific minimum requirements below:
You may decide you need coverage beyond the minimum requirements. Here are some of the most common optional coverages to consider:
Cheapest car insurance for drivers with an incident
Having driving incidents on your record — including speeding tickets, driving under the influence charges, and at-fault accidents — can cause insurance companies to treat you as a high-risk driver, depending on the severity and frequency of your violations. Most insurance companies charge high-risk drivers more expensive premiums than people with a clean record.6
Cheapest car insurance for drivers with a speeding ticket: Progressive
If you get a speeding ticket, you’ll typically need to pay a fine for your citation. But you may also face higher rates for car insurance. A single speeding ticket shouldn’t affect your premiums significantly. The amount your premium increases can depend on the severity of the incident and whether you have existing violations on your driving record.
Henderson drivers pay an average of $136 per month for liability insurance if they have a speeding ticket. Here are some of the average monthly auto insurance quotes offered by Kentucky insurance companies to drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: National General
If you cause an accident, insurance companies consider you a higher-risk driver, which can lead to higher insurance premiums. Drivers with a past at-fault accident typically pay more for coverage than someone with a single speeding ticket or a clean record.
Henderson drivers pay an average of $149 per month for liability insurance if they have an accident on their records. Here are some of the cheapest auto insurers in Henderson for drivers with an at-fault accident.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence can have serious consequences. In 2019, 150 people in Kentucky died as a result of alcohol-impaired driving, according to the Responsibility.org National Drunk Driving Statistics Map.7 Due to the severity and recklessness of the violation, people with a DUI on their driving record face much higher insurance rates than other drivers.
Henderson drivers pay an average of $143 per month for liability insurance if they have a DUI on their records. Here are the average monthly quotes for drivers with a DUI from some auto insurers in Henderson.
Cheapest car insurance for seniors: National General
When insurers determine your insurance costs, several factors come into play, including your age. Mature drivers with years of experience on the road tend to pay gradually less for car insurance starting between ages 25 and 35. The trend typically lasts until drivers reach age 70. Drivers older than 70 may face higher rates as a result of aging-related risk factors.
Senior drivers in Henderson pay an average of $96 per month for liability coverage and $159 per month for full coverage. Although senior drivers tend to pay a little bit more for car insurance, shopping around for car insurance can help you find the cheapest average quotes for your situation.
Explore the average monthly quotes by insurance company for senior drivers in Henderson below.
Cheapest car insurance for teens: Progressive
Because teen drivers lack driving experience and demonstrate riskier driving behavior, they face some of the highest car insurance premiums of any age group. Teen drivers in Henderson pay an average of $208 per month for liability coverage and $342 per month for full coverage.
You may have to pay more for coverage as a teen driver, but you can keep your car insurance costs down by shopping around, maintaining good grades, joining your parents’ existing insurance policy, and selecting a higher deductible.8
Here are some of the cheapest average monthly quotes for teen drivers in Henderson.
Henderson car insurance quotes by credit tier
In Kentucky, insurance companies can consider your credit history when determining premiums. Drivers with excellent or good credit scores generally pay less for car insurance than drivers with poor credit scores.
Henderson drivers looking to improve their credit score can start by making all bill payments on time and paying off any high-interest debt. With time, an improved credit score might lead to savings on your insurance premium.
Here’s what Henderson drivers pay for full-coverage car insurance based on their credit tier.
Is car insurance more expensive in Henderson?
The average cost of a full-coverage auto insurance policy in Henderson is $186 per month, which is more than the national average of $182 per month. When compared to other cities in Kentucky — with the exception of Louisville — the cost of full-coverage insurance in Henderson is high. For example, the average rate in Bowling Green is $179 per month.
In general, cities with more traffic and higher crime rates see higher insurance premiums than rural areas or cities with less traffic congestion and a lower population density. Drivers in Henderson may also pay higher rates because northern Kentucky faces tornadoes on a fairly regular basis.
More cities in Kentucky
If you live in a different part of Kentucky, you can likely expect different auto insurance costs than you’d receive in Henderson. Here’s a look at some of the average quotes for other cities in Kentucky and how they compare to Henderson.
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.
Henderson, Kentucky, car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Henderson, Kentucky.
How much is car insurance in Henderson, Kentucky?
On average, Henderson drivers pay $186 per month for full-coverage car insurance and $113 per month for liability-only car insurance.
What are the best car insurance companies in Henderson?
With a high Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) AM Best financial strength rating, and high customer satisfaction from J.D. Power, State Farm is the best car insurance company in Henderson. Other top companies include Auto-Owners and GEICO.
What are the cheapest car insurance companies in Henderson?
National General, Progressive, and Auto-Owners are some of the cheapest car insurance companies in Henderson. These insurers have minimum-coverage rates that start at $90, $91, and $101 per month, respectively.
What type of car insurance is required in Kentucky?
Kentucky drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 per accident in personal injury protection (PIP). But drivers can opt out of PIP in writing to the Department of Insurance.
Is Kentucky a no-fault state?
Yes. Kentucky is a choice no-fault state. This means, in most cases, that the insurer of each driver involved in an accident will cover the cost of resulting medical expenses through PIP coverage, up to a certain threshold. Though Kentucky technically requires drivers to purchase basic PIP coverage, you can choose to reject the coverage and any benefits.
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