Bowling Green, KY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bowling Green, KY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance premiums in Bowling Green, Kentucky, differ by $4,888: A survey of the top 4 companies
Zimlon’s analysis of the 2016 NAIC Annual Report reveals that car insurance premiums vary up to $4,888 from the median prices in Bowling Green, Kentucky. The most significant deviations from the median are observed for 52-year-old married men with a driving experience of 35 years. According to their annual reports, State Farm Mutual Automobile Insurance Company, Kentucky Farm Bureau Mutual Insurance Company, Allstate Insurance Company and Progressive Corporation are the four companies with the highest market share in Bowling Green, Kentucky. Among these, Progressive offers the lowest premiums for the abovementioned cohort at $4,888 less than the median. State Farm Mutual Automobile Insurance Company offers the second lowest premium, which is $1,871 less than the median and is available to 45-year-old divorced men with a driving experience of 29 years. Zimlon conducted this survey by using information from the Alabama Department of Insurance.
The following table lists the 7 driver cohorts analyzed, the median premium rate for each cohort, and the premiums charged by companies with the highest market share in Bowling Green, Kentucky.
| Cohort | Median | State Farm Mutual Automobile Insurance Company | Kentucky Farm Bureau Mutual Insurance Company | Allstate Insurance Company | Progressive Corporation |
|---|---|---|---|---|---|
| 23-year-old single women with a driving experience of 7 years | $1,510 | $562 | $209 | $356 | $50 |
| 32-year-old married men with a driving experience of 16 years | $1,260 | $482 | $384 | $132 | $90 |
| 52-year-old married men with a driving experience of 35 years | $6,200 | $1,643 | $1,630 | $4,649 | $4,888 |
| 70-year-old widowed women with a driving experience of 50 years | $1,142 | $493 | $305 | $282 | $187 |
| 23-year-old single men with a driving experience of 7 years | $1,788 | $668 | $400 | $576 | $112 |
| 45-year-old divorced men with a driving experience of 29 years | $5,421 | $1,871 | $1,336 | $2,838 | $729 |
*In the above table, the boxes in light red represent values greater than the median. The boxes in light green represent values lesser than the median.
As discussed above, State Farm Mutual Automobile Insurance Company offers the cheapest premiums for the cohort of 45-year-old divorced male drivers. The second cheapest premium at $1,643 less than the median is available to 52-year-old married men with a driving experience of 35 years.
Similarly,Kentucky Farm Bureau Mutual Insurance Company also offers cheaper than median premiums for all the driver cohorts. The cheapest premium of $1,630 less than the median is for 52-year-old married men with a driving experience of 35 years. The second cheapest premium at $1,336 less than the median is offered to 45-year-old divorced men with a driving experience of 29 years.
Allstate Insurance Company tends to offer premiums higher than the median for most driver cohorts. The cheapest, at $132 more than the median, is offered to 32-year-old married men with a driving experience of 16 years. The most expensive premium at $4,649 more than the median is available to 52-year-old married men with a driving experience of 35 years.
The cheapest premium in comparison with the median is offered by Progressive Corporation for the cohort of 52-year-old drivers, as mentioned above. The second cheapest premium that this company offers, at $729 less than the median, is offered to the cohort of 45-year-old drivers.
The following chart compares car insurance premiums charged by the four companies with the highest market share in Bowling Green, KY.
Factors that can influence the cost of car insurance in Bowling Green, KY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bowling Green, KY Auto Insurance Rates
- Bowling Green, KY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bowling Green, KY
- Multi Vehicle Insurance Savings in Bowling Green, KY
- How Credit Score Affects Car Insurance Rates in Bowling Green, KY
- How DUI Affects Auto Insurance Premiums in Bowling Green, KY
- Top Auto Insurance Agents Near Bowling Green, KY
- How Driving Violations Affect Auto Insurance Rates in Bowling Green, KY
- Bowling Green, KY Auto Insurance Discounts on Anti Theft Feature
- Bowling Green, KY Auto Insurance Company Reviews
Bowling Green, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bowling Green, KY with that of other cities in and around Bowling Green.
| Bowling Green | Hadley-Browning | Sand Hill-Girkin | Plano | Plum Springs | Alvaton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,686 | $1,958 | $1,932 | $1,977 | $1,898 | $2,016 |
Bowling Green, KY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bowling Green, KY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bowling Green | $1,023 | $864 |
| Warren County | $1,149 | $971 |
| Plum Springs | $1,136 | $960 |
| Plano | $1,273 | $1,075 |
| Hadley-Browning | $1,264 | $1,067 |
| Woodburn | $1,988 | $1,679 |
| Sand Hill-Girkin | $2,155 | $1,820 |
| Alvaton | $2,904 | $2,453 |
Bowling Green, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bowling Green, KY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,471 |
| 20 Years | $2,166 |
| 30 Years | $1,669 |
| 40 Years | $1,605 |
| 50 Years | $1,487 |
| 60 Years | $1,507 |
| 70 Years | $1,755 |
Bowling Green, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bowling Green, KY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,934 | $438 |
| 3 Vehicles | $4,400 | $658 |
| 4 Vehicles | $5,867 | $877 |
Savings on 2 Vehicles bundle:$438
Savings on 3 Vehicles bundle:$658
Savings on 4 Vehicles bundle:$877
Bowling Green, KY Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bowling Green, KY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bowling Green | $1,686 | $2,807 |
| Warren County | $1,512 | $2,517 |
| Plum Springs | $1,898 | $3,160 |
| Plano | $1,977 | $3,292 |
| Hadley-Browning | $1,958 | $3,260 |
| Woodburn | $1,968 | $3,277 |
| Sand Hill-Girkin | $1,932 | $3,217 |
| Alvaton | $2,016 | $3,357 |
Bowling Green, KY Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,447 |
| Excellent (740-799) | $1,651 |
| Good (670-739) | $1,757 |
| Average (580-669) | $2,292 |
| Poor (300-579) | $2,750 |
Bowling Green, KY Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Van Meter Insurance Group | Liberty Mutual Independent | 1240 FAIRWAY STREET, BOWLING GREEN, 42102 | (270) 781-2020 |
| Jeremy Jones | Allstate | 905 Lovers Ln Ste 200, Bowling Green, 42103 | (270) 282-8710 |
| Kyle Woosley | State Farm | 804 Campbell Ln Ste 105, Bowling Green, 42104-4130 | 270-842-8154 |
| Jonathan Mcdaniel | State Farm | 1840 Christian Care Way Ste A, Bowling Green, 42104-5819 | 270-842-5556 |
| Noland Insurance Agency | Travelers | 1111 SHIVE LN STE 101, BOWLING GREEN, 42103 | 270-842-0202 |
| Gregory Hayes | Allstate | 101 Cherry Farm Ln Ste 200, Bowling Green, 42103 | (270) 846-7878 |
| Ginger Cleary | State Farm | 1114 Lovers Ln, Bowling Green, 42103-7199 | 270-782-7276 |
| Ginger Cleary | State Farm | 1114 Lovers Ln, Bowling Green, 42103-7199 | 270-782-7276 |
| Ginger Cleary | State Farm | 1114 Lovers Ln, Bowling Green, 42103-7199 | 270-782-7276 |
| Michael Allen Sturm Agency | Nationwide | 1111 Shive Ln STE 104, Bowling Green, 42103 | (270) 282-8680 |
Bowling Green, KY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$74 | $1,760 |
| Driver's Failure In Showing Documents | +$164 | $1,850 |
| Driving With An Expired Registration | +$174 | $1,860 |
| Driving At A Considerably Slow Pace | +$366 | $2,052 |
| Using A Cellphone While Driving | +$386 | $2,072 |
| Running A Red Light | +$393 | $2,079 |
| Speeding | +$413 | $2,099 |
| Driving A Vehicle Without The Required Permission | +$524 | $2,210 |
| Driving With An Expired/Suspended License | +$1,136 | $2,822 |
Bowling Green, KY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,619 |
| Active Disabling Device | $1,619 |
| Tracking Device | $1,585 |
| Passive Disabling Device | $1,568 |
Latest Auto Insurance Reviews in Bowling Green, KY | Back to Top
State Farmthe premium compared to other insurance companies is lower than i have seen. this does depend on your car andhow many drivers ison the policy.
Erie InsuranceThey are a pretty solid insurance company. Very friendly and easy to work with.
AaaWe would recommend aaa's auto insurance. We have not had to use it much, but when we did, they more a great help. Dealing with car accidents can be stressful.
Erie InsuranceI have also done multiple reviews and received multiple quotes from other insurance company's. The offerings that we have and the service that they offer is excellent.
Farm BureauMy Car insurance is higher than most for the same coverage. I have had quite a bit of issues with adding and removing vehicles and bill continues to fluctuate so I feel like I have to monitor.
Farm BureauMy Car insurance is higher than most for the same coverage. I have had quite a bit of issues with adding and removing vehicles and bill continues to fluctuate so I feel like I have to monitor.
State FarmI like that the Statefarm insurance company has good rates and many ways to receive a discount along with proper coverage.
AllstateThe premium charged to me each month for auto insurance coverage is a little lower than other high priced auto insurances.
Liberty MutualI think that it is a fair rate for 2 cars and 2 people and found their offerings to be favorable to others in the market. I've done quite a bit of due diligence and believe it's a fair price.
Kentucky Farm BureauI have my insurance man on speed dial so to speak. I can call or text him anytime I need to even if it is just to ask a simple question