Cheap Auto Insurance Quotes in Bowling Green, KY (2023)

In Bowling Green, residents are dependent on their cars to get around. The city is not walkable, and there is minimal public transportation. It’s important for drivers in Bowling Green to get auto insurance policies so they can drive legally and have protection in case of an accident.

Car Insurance in Bowling Green, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bowling Green, KY to find you the cheapest quotes in the area.

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• Cheap Car Insurance Kentucky

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Cheapest Car Insurance in Bowling Green, KY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Bowling Green, KY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Bowling Green. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Bowling Green Car Insurance Rates by Driver Age

Driving in Bowling Green under the age of 20 can be expensive, as teens here often pay around $541 for car insurance. Thankfully, turning 20 drops rates considerably, with most people saving around $300 on their premiums. As residents of Bowling Green get older, rates continue to decrease and those in their 60s pay the least at an average of $148, proving that experience behind the wheel pays off handsomely.

Bowling Green Car Insurance Rates by Driving and Accident History

It’s always smart to maintain a clean driving record as best as you can, particularly in Bowling Green, as some moving violations can cause your rates to soar. Most drivers pay around $208 for coverage, but getting a speeding ticket or failing to stop at an intersection can inflate prices to $239 and $238, respectively. The most expensive hit to your driving record comes with an at-fault accident, as rates tend to reach an average of $288.

See More:

• High-risk Car Insurance Kentucky

• DUI Car Insurance Kentucky

Bowling Green Car Insurance Rates by Credit Tier

Aiming to improve your credit can pay dividends, especially when it comes to your car insurance premiums. Drivers with poor credit find their rates at an average of $245, while those with average or good credit pay around $199 and $208, respectively. Motorists enjoy significant cost savings once their credit reaches the excellent tier, saving an average of $58 compared to residents in the lowest credit bracket.

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Find local Bowling Green agents

Bowling Green, KY DMV Information

There are two Warren County outposts located in Bowling Green, one that handles driver’s licenses and another that handles registration and titling. When you renew your registration in Bowling Green, you’ll need to bring proof of insurance. Fortunately, it’s easy to get coverage online if you don’t already have it. You can use Insurify to compare customized quotes and apply for the policy with the lowest premium for the coverage you need.

Public Transportation in Bowling Green, KY

Bowling Green provides fixed-route transit service, but options are limited, and less than 0.5 percent of residents use the service. About 91 percent of residents drive to work, commuting an average of 17 minutes to get there. The average household has two cars. Uber and Lyft operate in Bowling Green, and there are a couple of taxi services for getting around town, but most people rely on their cars for errands and commuting.

For more detailed Kentucky city level guides, check out these below.

• Average Cost of Car Insurance Rates in Kentucky

• DUI Car Insurance Rates in Kentucky

• High-Risk Driver Car Insurance Rates in Kentucky

• Kentucky Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Kentucky

How to get the best and cheapest car insurance in Bowling Green, KY

In Kentucky, you need bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, in addition to $25,000 in property damage liability coverage per accident. Without insurance coverage that meets the requirements, you could face a fine of up to $1,000 and 90 days in jail.

Don’t be one of the estimated 11.5 percent of Bowling Green residents to drive uninsured. Not only do you risk jail time by driving without insurance, but you also put your finances at risk in the event of an accident. You can find an affordable premium for liability or comprehensive coverage by comparing rates with Insurify. It’s quick, painless, and sure to save you money on car insurance.

FAQs - Bowling Green, KY Car Insurance