Best Cheap Auto Insurance in Owensboro, Kentucky (2025)
National General offers the cheapest liability rates in Owensboro at $75 per month.
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If you’re tired of paying too much for car insurance in Owensboro, KY, look at National General, Progressive, and Auto-Owners — they offer the cheapest overall rates. With an average cost of $126 per month, drivers in the Bluegrass Music Capital of the World pay less than the national monthly auto premium average of $143.
However, car insurance quotes depend on more than just your location. Every detail counts, from your driving history to the make and model of your vehicle — even your age and gender. Read on to uncover the best options for cheap car insurance in Owensboro.
Quick Facts
Kentucky's no-fault law influences your legal options after accidents.
Traffic violations can lead to higher auto rates, though affordable options are available.
Drivers with poor credit can pay nearly twice as much as ones with excellent credit.
Cheapest car insurance companies in Owensboro
Auto-Owners Insurance, State Farm, and Travelers are the best car insurance companies in Owensboro. Keep in mind that the best company for you depends on your unique circumstances. Your driving history, insurance coverage needs, and personal preferences all play a vital role in choosing an insurer.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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.
Cheapest liability-only coverage: Auto-Owners Insurance
Cheapest for drivers with a DUI: State Farm
Best insurer for teen drivers: Travelers
How to get the cheapest car insurance in Owensboro
Your age, location, vehicle choice, credit history, driving record, and discount eligibility all heavily influence the quotes you receive.
Here are a few tips for finding the cheapest Owensboro car insurance:
Shop around. Different insurance companies offer varying rates. Comparing car insurance quotes is the easiest (and most effective) way to save money.
Be a safe driver. A clean driving record can help you qualify for the lowest rates.
Ask for discounts. Insurance companies offer various discounts. Ask what you might be eligible for to lower your premiums.
Increase your deductible. If you can afford a higher out-of-pocket expense when filing a claim, selecting a higher deductible can lower your premiums.
Improve your credit score. Kentucky auto and home insurance companies can use your credit score as the sole factor in determining your premiums. Maintaining a good credit score can help you secure more favorable rates.
Cheapest liability-only car insurance in Owensboro: National General
“Liability-only car insurance in Owensboro is an option for drivers who want to keep their premiums low,” says Dave Conway, co-founder at sustainable transport website EcoMotionCentral. “This type of insurance only covers the costs of damage to other people and their property, but not the driver's own vehicle.”
Drivers in Owensboro typically pay $97 for liability coverage. Below, you can see the average monthly quotes offered by insurers throughout the Owensboro area.
Cheapest full-coverage car insurance in Owensboro: Auto-Owners
Liability-only car insurance covers damages you cause to others, while full-coverage insurance also protects your own vehicle. It covers theft, damage from incidents like fire or flooding, and collisions. Since it offers more protection, full coverage is best if you have a newer or more valuable car.
On average, drivers in Owensboro pay $156 per month for full-coverage insurance.
Car insurance requirements in Kentucky
Kentucky’s no-fault law, enacted in 1975, limits who can file a lawsuit following a car accident. It also requires Owensboro drivers to have minimum liability insurance coverage and personal injury protection (PIP), which can pay for medical expenses, lost wages, and related expenses.
You might also consider these optional coverages:
Cheapest car insurance for drivers with an incident
Insurance companies see drivers with an incident as wild cards on the road and charge more to offset the increased risk. “At-fault accidents, speeding tickets, and DUIs can increase car insurance rates in Owensboro,” says Conway.
In Owensboro, a speeding ticket or at-fault accident can increase premiums by 30% to 40%, while a DUI can cause rates to jump by 99%.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Even with a speeding ticket, finding cheap car insurance in Owensboro is possible. With an average premium of $91, Progressive is the lowest cost for drivers with speeding tickets. You may be able to get a discount by taking a defensive driving course to offset the higher cost of insurance.
Here’s a look at how other insurers stack up for drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: National General
Drivers with an accident generally find the cheapest car insurance from National General in Owensboro for $98 per month. Comparing companies is important, since the most expensive options cost nearly three times the price of the cheapest insurers.
Cheapest car insurance for drivers with a DUI: Progressive
Finding affordable car insurance can be challenging for drivers with a DUI on their record. Most quotes are double what you’d pay with a clean driving history. But, drivers with a DUI on their record can still find affordable coverage. Progressive offers the cheapest rates for drivers with a DUI at $96 per month.
Cheapest car insurance for seniors: National General
Senior drivers tend to pay the least among all age groups for car insurance in Owensboro. However, more than 10% of older adults also live below the poverty level, according to the Congressional Research Service.
“Many car insurance companies offer discounts for drivers over 55 who have taken defensive driving courses,” says Conway. “Additionally, seniors may be able to find more affordable car insurance by increasing their deductibles.”
Cheapest car insurance for teens: Progressive
Due to their inexperience and riskier driving behavior, teen drivers are some of the most expensive drivers to insure. For cheap car insurance for teens in Owensboro, Progressive, where the average monthly premium is just $140.
To secure lower premiums for young drivers in Owensboro, stay on your parents’ insurance policy to take advantage of the multi-vehicle discount. A safe car with features like collision warning and airbags can also help you save money, and you can often qualify for a good student discount if you maintain a B average (or better) in school.
Owensboro car insurance quotes by credit tier
Kentucky insurers can use credit-based insurance scores to determine whether to issue new policies or renew existing ones and also to set premium rates. On average, drivers with poor credit pay 71% more for car insurance than those with good credit and almost double the amount paid by drivers with excellent credit.
Is car insurance more expensive in Owensboro?
On the whole, no. Car insurance rates in Owensboro are less expensive than the state average, with drivers paying $126 compared to the state average quote of $155.
However, drivers in other Kentucky cities aren’t so lucky. Costs can vary as much as 77% between ZIP codes, based on a range of local factors, including traffic density, crime rates, and vehicle costs.
More cities in Kentucky
Comparing car insurance rates in other cities to Owensboro shows how much more affordable Owensboro is. Drivers in the capital city Louisville pay significantly more than Owensboro drivers.
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.
Owensboro car insurance FAQs
If you’re looking for more information to find the best rates on car insurance in Owensboro, this additional information may help.
How much is car insurance in Owensboro?
Car insurance in Owensboro is fairly cheap at $156 per month for full coverage, and $97 per month for liability coverage.
Who has the cheapest car insurance in Owensboro?
For liability coverage, National General, Progressive, and Auto-Owners offer the cheapest coverage at $75, $76, and $85 respectively.
For cheap full-coverage insurance, look to Auto-Owners, State Farm, and Progressive at $109, $113, and $118 respectively.
What are the best car insurance companies in Owensboro?
The top insurers in Owensboro include Auto-Owners Insurance, State Farm, and Travelers. Auto-Owners has an IQ Score of 8.2 and has received few complaints through the NAIC. State Farm has an IQ Score of 9.3 and high customer satisfaction scores on J.D. Power. Finally, Travelers has an IQ Score of 8.5 and saw no NAIC complaints filed from 2020 to 2022.
Is car insurance cheaper with two cars?
Sort of. If you have two vehicles to insure, you’ll pay more in premiums than if you were insuring only one vehicle. However, many insurers offer multi-vehicle discounts. This allows you to insure both your vehicles for a lower rate than you’d pay if you insured each individually.
What comes first: Buying a car or getting car insurance?
Get car insurance first. If you purchase a new car, you’ll first need to have insurance to drive it. Once you determine the vehicle you’re going to buy, you can seek a policy that works for you.
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