Cheapest Auto Insurance in Paducah, Kentucky (2025)
National General offers the cheapest liability coverage in Paducah, at $92 per month.
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Paducah residents pay $154 per month for car insurance, which exceeds the overall national average of $144 and the state average of $157.
Kentucky is a no-fault state that requires drivers to purchase personal injury protection (PIP), which can lead to increased costs.1 Plus, Kentuckians drive more miles per vehicle than any other state, according to Federal Highway Administration data.2
Here’s what you need to know about finding cheap coverage in Paducah.
Cheapest car insurance companies in Paducah
You can find several options for cheap car insurance in Paducah. To find the best deal, consider your driving situation, personal insurance needs, and overall financial status. You should always compare quotes and coverages to determine what company works best for you.
Start your search below with three of the top car insurance companies in Paducah.
Best insurer for cheap rates: Auto-Owners
Best insurer for young drivers: GEICO
Best insurer for post-accident resources: State Farm
How to get the cheapest car insurance in Paducah
Car insurance companies consider different factors to decide your insurance rates. Your age, driving record, vehicle, and even the ZIP code where you park your car are all common variables.
Paducah’s higher rates exceed the national average, but you can use a few tricks to find the cheapest car insurance policies for your insurance needs:
Shop around. Get online quotes from at least three different companies.
Bundle your coverage. Combine insurance products for discounts, like auto insurance with life and home insurance.
Drive safely. A clean driving record can save you money on premiums.
Set a higher deductible. A higher deductible can reduce costs. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Ask about discounts. Earning good grades, completing an approved driving course, or having a certain membership can lead to savings.
Cheapest liability-only car insurance in Paducah: National General
Liability-only car insurance is basic coverage that pays for damages you might cause others in an accident. It acts as a safety net for the other driver’s medical bills but won’t cover your medical expenses or vehicle repairs.
National General offers the cheapest liability-only insurance in Paducah, at $92 per month.
Here are the cheapest average quotes for liability-only insurance coverage in Paducah.
Cheapest full-coverage car insurance in Paducah: Auto-Owners
Liability insurance only covers damages you cause to others, but full-coverage policies extend coverage to your car following accidents, theft, or weather damage. Purchasing full coverage is a smart choice if you have a newer car, lease or finance your vehicle, or just want more protection.
Quotes for full-coverage insurance start at $93 per month from Auto-Owners. Check out the table below to see the prices Paducah insurers have to offer.
Car insurance requirements in Kentucky
Kentucky drivers must carry the state’s minimum liability coverage and personal injury protection (PIP) insurance. However, you can opt to buy a single insurance policy that covers everything up to $60,000 if you prefer a simpler solution.
Either way, maintaining car insurance is important. The Kentucky Insurance System has access to verify your insurance status and will cancel your vehicle registration if you have a lapse in required insurance.4
These are the state’s minimum insurance requirements you must meet:
Purchasing additional coverage options can increase your vehicle protection. Here are several common insurance add-ons to consider:
Cheapest car insurance for drivers with an incident
Auto incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI) charges, and other moving violations. Having incidents on your record can increase your insurance rates because companies see you as a high-risk driver. Drivers with clean records pay the lowest car insurance rates on average.
If you’ve had an accident or speeding ticket in the past, companies worry you might have one again in the future. On average, Paducah drivers with a past incident pay $182 per month for car insurance.
Here’s a look at different insurance costs for Paducah drivers with various incidents.
Average cost of car insurance by age
Your age can influence how much you pay for car insurance. Teens usually pay the most because new drivers are more prone to making mistakes. Once you hit age 35, rates typically drop since you have more driving experience.
Drivers of retirement age typically earn the best auto insurance rates. However, accident risk increases for senior drivers age 70 and older, which leads to higher insurance rates.
The table below has the average costs for car insurance by age group in Paducah.
Paducah car insurance quotes by credit tier
Kentucky insurance companies can review credit scores when deciding to offer or renew a policy, but insurers can’t decide not to renew coverage solely because someone has poor credit.5
Your credit score can influence how much you pay, and drivers with good or excellent credit typically pay less for coverage than people with poor scores.
Here are the average full-coverage insurance rates for Paducah drivers by credit tier.