Everything You Need to Know

Finding affordable car insurance in Bowling Green, Kentucky is easy when you price shop. When comparing rates among providers, you can find one that fits within your insurance budget.

Bowling Green, Kentucky, Car Insurance Requirements

Car insurance is a requirement for all drivers in Bowling Green, Kentucky. Drivers must carry a minimum of the following:

• $25000 bodily injury liability per person
• $50000 bodily injury liability per accident
• $25000 property damage liability per accident

Bodily injury liability only covers the damages that you cause to someone else if you’re in an accident. It does not cover your own medical bills or lost wages. If you want coverage following an accident, regardless of who is at fault, then you may consider a full coverage insurance policy. Full coverage usually includes comprehensive and collision insurance.

Full coverage may also cover things like roadside assistance, gap insurance, uninsured coverage, or even medical payments. Regardless of which insurance policy you choose, you must carry the minimum requirements. If you drive a vehicle with a loan, then your lender may require that you have full coverage on your vehicle to protect their investment.

Additionally, drivers in Kentucky must have proof of insurance. You may have to show proof of insurance if an officer requests it during a traffic stop, when renewing your plates, or if you are in an accident.

How Much is Car Insurance in Bowling Green Kentucky?

The price you pay for car insurance in Bowling Green, Kentucky, will vary, depending on things like:

• Equipment in your vehicle: Having certain safety or anti-theft equipment in your vehicle can reduce your insurance rates because it reduces your chances of filing a claim.
• The make and model of your vehicle: The make and model of your vehicle will also affect your rates as some vehicles are costlier to repair or replace.
• Your location: Even your location within Bowling Green, Kentucky, can influence your insurance rates as some cities are more populated and have higher theft rates. According to Wirefly, the cheapest zip codes in Bowling Green, Kentucky, are 42101 and 42102.
• Your coverage: The level of coverage you choose will also change your rates. Some drivers may choose minimum or full coverage and others may choose minimum with add-on policies.

The average cost of car insurance in Bowling Green, Kentucky, is $155 per month, according to Insurify. This is in comparison to the average cost of insurance in the state of Kentucky, which is $183 per month.

Most Affordable Car Insurance Companies in Kentucky

Finding the most affordable car insurance will require that you get price quotes based on your specific age, gender, location, and driving record. Here are a few other Kentucky insurance companies to consider:

• State Farm
• Travelers
• The General
• Liberty Mutual

In addition to price, consider things like provider ratings. Evaluate ratings by A.M. Best, Standard & Poor’s, Moody’s, and Fitch to understand what other customers like about the provider.

Bowling Green, Kentucky, Insurance With Traffic Violations

It can be harder to find affordable car insurance with an accident on your record or numerous traffic violations. According to Insurify, you can expect your insurance rates to increase following a traffic violation. A speeding ticket leads to an average monthly rate of $239. An at-fault accident leads to an average monthly rate of $289 per month.

Insurance Rates by Age and Gender

Your age will affect your insurance rates. Teen drivers pay the highest rates in Bowling Green, Kentucky, because they have less driving experience. However, there are ways that you can cut down on these costs. Some teen drivers may choose to stay on their parent’s insurance policy longer. They may also choose to take a defensive driving course or ask about student discounts.

Gender can also sometimes make a difference when it comes to insurance. However, there is minimal difference in risk, based only on gender.

Insurance Rates and Credit Ratings

Your credit rating can also have an effect on how much you will pay for insurance in the Bowling Green, Kentucky, area. Drivers with an Excellent credit score can save as much as $58 per month, according to information from Insurify. Paying off your debt and increasing your credit score by even a few points can make a difference when it comes to your monthly insurance rates.

Find Affordable Insurance in Bowling Green, Kentucky

There are ways you can save and find the best insurance rates in Bowling Green, Kentucky:

• Consider your coverage levels: As long as you have the minimum insurance the state requires, you can adjust your insurance levels. Keep in mind, a lower rate usually comes with less coverage.
• Park your car in a secure location: If you live in an area with high theft rates, you may qualify for a discount if you park your vehicle in a secure location, like a garage.
• Reduce your commuting miles: Insurance companies will also charge more if you commute a lot of miles each week. By living closer to your work or taking public transportation sometimes, you save.
• Choose a vehicle with affordable insurance: Some vehicles cost more for insurance. Choose a vehicle with a lower value, or one that is rated safe, and it can lead to more affordable insurance rates.

In addition to considering, and adjusting your coverage levels, you may also be able to change your deductible amount. The deductible is the amount that you pay to access your insurance benefits. The higher the deductible you have, the lower your monthly payments are. If you choose to decrease your deductible, your monthly payments will be higher.

Find cheap car insurance in Bowling Green, Kentucky, by evaluating what factors go into your rate. Then, use this information to shop around and find the best, and most affordable, policy for your needs.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources:

Cheap Auto Quotes in Bowling Green, KY (2021) I insurify.com

Cheapest Auto Insurance Rates in Bowling Green, KY | wirefly.com

Comprehensive Insurance: Everything You Need to Know I caranddriver.com

Does Credit Rating Affect Car Insurance? I caranddriver.com

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