Best Cheap Auto Insurance in Owensboro, Kentucky (2025)

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 $144.

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.

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.

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: National General

Even with a speeding ticket, finding cheap car insurance in Owensboro is possible. With an average premium of $92, National General 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 $94 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 $141.

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 $157.

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.