Cheapest Auto Insurance in Henderson, Kentucky (2024)
Auto-Owners offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $58 per month.
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Written bySarah Sharkey
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Edited byKatie Powers
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Updated November 21, 2024
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Table of contents
Home to about 27,700 residents, Henderson is a picturesque town on the banks of the Ohio River in northern Kentucky.[1] Henderson drivers pay an overall average of $225 per month for car insurance, which is similar to the Kentucky average of $227 per month.
Drivers in northern Kentucky, including in Henderson, may face more expensive rates than the national average of $154 due to the prevalence of tornadoes in the area. Though not technically in Tornado Alley, northern Kentucky can experience severe tornadoes and outbreaks.[2]
You can find the best rates for your driving situation by shopping around for quotes from multiple insurers. Here’s what you should know about locking in cheap auto insurance premiums as a Henderson resident.
Quick Facts
Because Kentucky is a choice no-fault state, drivers can opt out of the state’s required basic personal injury protection (PIP) coverage.[3]
On average, Henderson drivers pay $291 per month for full-coverage car insurance and $159 per month for liability-only car insurance.
Auto-Owners is the cheapest full-coverage car insurance company in Henderson, with rates starting at $103 per month.
3 of the cheapest car insurance companies in Henderson
The best car insurance company for you will vary based on your unique situation. Some key factors that affect which insurer will work best for you include your driving record, location, age, and vehicle type.
Below, you can look at a few top insurers in Henderson to start your search. But it’s still important to shop around and get quotes from multiple insurance companies.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $104 | $59 | Cheap rates |
| State Farm | 9.3 | $109 | $61 | Families |
| National General | 6.8 | $184 | $95 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has been in business since 1916. With a top AM Best rating and relatively high marks for customer satisfaction, this company has a lot to offer drivers. A long list of discounts, like bundling and paying in full, can help you tap into even more affordable options.
Pros
Above-average J.D. Power customer satisfaction rating
A++ (Superior) AM Best rating
Cons
You might need to finalize your quote with an insurance agent
Offers other insurance products, like life insurance and home insurance
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers families in Henderson some of the most affordable rates on the market. The company has a financial strength rating of A++ (Superior) from AM Best and high customer satisfaction ratings. A suite of discounts available for young drivers makes this insurer a great option for families.
Pros
Above-average J.D. Power customer satisfaction rating
Discounts available
Cons
No gap insurance
Has some negative online customer reviews
Best insurer for high-risk drivers: National General
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
3.3
A solid optionBased on 392 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (204)
Jahmon
November 14, 2024
Verified Review
The Greatest
Excellent.
Mike
November 6, 2024
Verified Review
Too expensive
The monthly cost should be lowered.
Javier
November 5, 2024
Verified Review
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
National General offers some of the cheapest rates for drivers looking for affordable liability-only policies. But the company has plenty of other insurance coverage options to choose from, including comprehensive, collision, towing, and rental car.
Pros
Offers emergency expense allowance to cover expenses if you find yourself stranded
Cheapest average coverage in Henderson
Cons
Below-average J.D. Power customer satisfaction rating
Large number of online complaints
How to get the cheapest car insurance in Henderson
Car insurance is an unavoidable cost for drivers, but you can lower your costs in a few different ways. Consider the following options to earn cheaper rates:
Increase your deductible. A higher insurance deductible usually translates to a lower insurance premium. If you have the money to afford a higher deductible, this is a useful option.
Shop around. Comparing rates across multiple insurance companies can help you find the best coverage for you at the right price.
Seek out discounts. Many insurance companies offer discounts for safe driving, installing safety features, bundling policies, and more. It never hurts to ask the insurance company if you qualify for a discount.
Shop for Cheap Henderson Car Insurance Online
Liability-only rates start at $58/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Henderson: Auto-Owners
Liability car insurance includes protection for property damage and bodily injury you cause the other driver and their passengers during an accident. This type of insurance doesn’t cover any of your medical expenses or vehicle repair costs.
Though liability-only auto insurance is typically the most affordable auto coverage, you can face significant out-of-pocket expenses after an accident without more robust coverage.[4]
The average cost of liability coverage in the city is $159 per month. Here are some of the cheapest car insurance options for liability coverage in Henderson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $58 |
| State Farm | $60 |
| GEICO | $69 |
| USAA | $74 |
| National General | $85 |
| Allstate | $88 |
| State Auto | $90 |
| Safeco | $98 |
| Travelers | $98 |
| Progressive | $100 |
| Clearcover | $111 |
| Nationwide | $128 |
| CSAA | $133 |
| Liberty Mutual | $137 |
| Bristol West | $158 |
| Shelter | $158 |
| The General | $239 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Henderson: Auto-Owners
Drivers looking for more financial protection should consider purchasing a full-coverage car insurance policy. In addition to liability coverage, this type of auto insurance includes both collision and comprehensive coverages.
After an accident or incident, a full-coverage policy can help you pay to repair or replace your vehicle. Most auto lenders require you to carry this coverage if you have an auto loan. Drivers with new or expensive vehicles should also consider purchasing this coverage.
The average cost of full coverage in the city is $291 per month. Here are some of the cheapest full-coverage insurance options for Henderson drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $103 |
| State Farm | $108 |
| GEICO | $121 |
| USAA | $132 |
| National General | $140 |
| Safeco | $153 |
| Allstate | $156 |
| State Auto | $159 |
| Travelers | $173 |
| Progressive | $176 |
| Clearcover | $193 |
| CSAA | $198 |
| Nationwide | $228 |
| Liberty Mutual | $251 |
| Shelter | $279 |
| Bristol West | $326 |
| The General | $389 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Henderson, Kentucky
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $97/mo for full coverage in Henderson and other Kentucky cities.
*Quotes generated for Insurify users in and around Henderson, Kentucky within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Henderson, Kentucky within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
It’s illegal to operate a vehicle on a public road in Kentucky without a minimum amount of bodily injury and property damage liability insurance.[5] The state also requires basic personal injury protection (PIP) coverage, which pays up to $10,000 for medical expenses and $200 per week for lost wages following an accident.
Because Kentucky is a choice no-fault state, drivers have the option to reject the state’s basic PIP coverage in writing to the Department of Insurance. You then can’t receive any PIP benefits, and others can sue you for injuries in some cases.
Find the state’s specific minimum requirements below:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 per accident |
You may decide you need coverage beyond the minimum requirements. Here are some of the most common optional coverages to consider:
Collision coverage
After an accident, collision coverage can help you pay to repair or replace your vehicle. This coverage kicks in regardless of fault.
Comprehensive coverage
If a non-collision incident occurs, comprehensive insurance will cover some costs to repair or replace the vehicle. Some common incidents include fire, vandalism, theft, severe weather, and more.
Roadside assistance coverage
Specific covered services may vary by insurer, but roadside assistance coverage typically includes assistance for towing, lockout, tire replacement, jump-starts, gas delivery, winching, and more.
Cheapest car insurance for drivers with an incident
Having driving incidents on your record — including speeding tickets, driving under the influence charges, and at-fault accidents — can cause insurance companies to treat you as a high-risk driver, depending on the severity and frequency of your violations. Most insurance companies charge high-risk drivers more expensive premiums than people with a clean record.[6]
Find Car Insurance in Henderson After an Accident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you get a speeding ticket, you’ll typically need to pay a fine for your citation. But you may also face higher rates for car insurance. A single speeding ticket shouldn’t affect your premiums significantly. The amount your premium increases can depend on the severity of the incident and whether you have existing violations on your driving record.
Henderson drivers pay an average of $223 per month for liability insurance if they have a speeding ticket. Here are some of the average monthly auto insurance quotes offered by Kentucky insurance companies to drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $58 | $76 |
| State Farm | $60 | $77 |
| GEICO | $69 | $90 |
| USAA | $74 | $96 |
| National General | $85 | $111 |
| Allstate | $88 | $114 |
| State Auto | $90 | $126 |
| Safeco | $98 | $129 |
| Travelers | $98 | $128 |
| Progressive | $100 | $129 |
| Clearcover | $111 | $145 |
| Nationwide | $128 | $168 |
| CSAA | $133 | $176 |
| Liberty Mutual | $137 | $191 |
| Bristol West | $158 | $206 |
| Shelter | $158 | $213 |
| The General | $239 | $316 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, insurance companies consider you a higher-risk driver, which can lead to higher insurance premiums. Drivers with a past at-fault accident typically pay more for coverage than someone with a single speeding ticket or a clean record.
Henderson drivers pay an average of $224 per month for liability insurance if they have an accident on their records. Here are some of the cheapest auto insurers in Henderson for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $58 | $78 |
| State Farm | $60 | $80 |
| GEICO | $69 | $93 |
| USAA | $74 | $99 |
| National General | $85 | $114 |
| Allstate | $88 | $118 |
| State Auto | $90 | $131 |
| Safeco | $98 | $130 |
| Travelers | $98 | $132 |
| Progressive | $100 | $135 |
| Clearcover | $111 | $160 |
| Nationwide | $128 | $173 |
| CSAA | $133 | $185 |
| Liberty Mutual | $137 | $196 |
| Bristol West | $158 | $212 |
| Shelter | $158 | $221 |
| The General | $239 | $326 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence can have serious consequences. In 2019, 150 people in Kentucky died as a result of alcohol-impaired driving, according to the Responsibility.org National Drunk Driving Statistics Map.[7] Due to the severity and recklessness of the violation, people with a DUI on their driving record face much higher insurance rates than other drivers.
Henderson drivers pay an average of $256 per month for liability insurance if they have a DUI on their records. Here are the average monthly quotes for drivers with a DUI from some auto insurers in Henderson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $58 | $94 |
| State Farm | $60 | $98 |
| GEICO | $69 | $112 |
| USAA | $74 | $121 |
| National General | $85 | $138 |
| Allstate | $88 | $143 |
| State Auto | $90 | $147 |
| Safeco | $98 | $148 |
| Travelers | $98 | $160 |
| Progressive | $100 | $163 |
| Clearcover | $111 | $181 |
| Nationwide | $128 | $209 |
| CSAA | $133 | $195 |
| Liberty Mutual | $137 | $223 |
| Bristol West | $158 | $257 |
| Shelter | $158 | $257 |
| The General | $239 | $389 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
When insurers determine your insurance costs, several factors come into play, including your age. Mature drivers with years of experience on the road tend to pay gradually less for car insurance starting between ages 25 and 35. The trend typically lasts until drivers reach age 70. Drivers older than 70 may face higher rates as a result of aging-related risk factors.
Senior drivers in Henderson pay an average of $134 per month for liability coverage and $246 per month for full coverage. Although senior drivers tend to pay a little bit more for car insurance, shopping around for car insurance can help you find the cheapest average quotes for your situation.
Explore the average monthly quotes by insurance company for senior drivers in Henderson below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $82 | $46 |
| State Farm | $85 | $47 |
| GEICO | $97 | $56 |
| USAA | $107 | $60 |
| National General | $108 | $66 |
| State Auto | $120 | $68 |
| Allstate | $127 | $71 |
| Progressive | $129 | $73 |
| Safeco | $132 | $85 |
| Travelers | $137 | $78 |
| CSAA | $153 | $103 |
| Clearcover | $168 | $96 |
| Nationwide | $172 | $97 |
| Shelter | $205 | $116 |
| Liberty Mutual | $213 | $116 |
| Bristol West | $264 | $128 |
| The General | $319 | $196 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Because teen drivers lack driving experience and demonstrate riskier driving behavior, they face some of the highest car insurance premiums of any age group. Teen drivers in Henderson pay an average of $304 per month for liability coverage and $557 per month for full coverage.
You may have to pay more for coverage as a teen driver, but you can keep your car insurance costs down by shopping around, maintaining good grades, joining your parents’ existing insurance policy, and selecting a higher deductible.[8]
Here are some of the cheapest average monthly quotes for teen drivers in Henderson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $184 | $104 |
| State Farm | $197 | $110 |
| GEICO | $206 | $118 |
| USAA | $235 | $132 |
| National General | $291 | $177 |
| Allstate | $295 | $166 |
| State Auto | $300 | $170 |
| Safeco | $311 | $199 |
| Progressive | $328 | $186 |
| Travelers | $332 | $188 |
| CSAA | $339 | $228 |
| Clearcover | $376 | $216 |
| Nationwide | $423 | $237 |
| Liberty Mutual | $458 | $250 |
| Shelter | $495 | $280 |
| Bristol West | $584 | $283 |
| The General | $659 | $405 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Henderson
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Henderson car insurance quotes by credit tier
In Kentucky, insurance companies can consider your credit history when determining premiums. Drivers with excellent or good credit scores generally pay less for car insurance than drivers with poor credit scores.
Henderson drivers looking to improve their credit score can start by making all bill payments on time and paying off any high-interest debt. With time, an improved credit score might lead to savings on your insurance premium.
Here’s what Henderson drivers pay for full-coverage car insurance based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Henderson?
The average cost of a full-coverage auto insurance policy in Henderson is $291 per month, which is more than the national average of $204 per month. When compared to other cities in Kentucky — with the exception of Louisville — the cost of full-coverage insurance in Henderson is high. For example, the average rate in Bowling Green is $245 per month.
In general, cities with more traffic and higher crime rates see higher insurance premiums than rural areas or cities with less traffic congestion and a lower population density. Drivers in Henderson may also pay higher rates because northern Kentucky faces tornadoes on a fairly regular basis.
More cities in Kentucky
If you live in a different part of Kentucky, you can likely expect different auto insurance costs than you’d receive in Henderson. Here’s a look at some of the average quotes for other cities in Kentucky and how they compare to Henderson.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bowling Green | $245 | $150 |
| Elizabethtown | $307 | $169 |
| Florence | $182 | $105 |
| Lexington | $270 | $161 |
| Louisville | $391 | $265 |
| Madisonville | $274 | $132 |
| Owensboro | $184 | $119 |
| Paducah | $271 | $156 |
| Richmond | $269 | $163 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Henderson, Kentucky, car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Henderson, Kentucky.
How much is car insurance in Henderson, Kentucky?
On average, Henderson drivers pay $291 per month for full-coverage car insurance and $159 per month for liability-only car insurance.
What are the best car insurance companies in Henderson?
With a high Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) AM Best financial strength rating, and high customer satisfaction from J.D. Power, State Farm is the best car insurance company in Henderson. Other top companies include Auto-Owners and GEICO.
What are the cheapest car insurance companies in Henderson?
Auto-Owners, State Farm, and GEICO are some of the cheapest car insurance companies in Henderson. These insurers have minimum-coverage rates that start at $58, $60, and $69 per month, respectively.
What type of car insurance is required in Kentucky?
Kentucky drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 per accident in personal injury protection (PIP). But drivers can opt out of PIP in writing to the Department of Insurance.
Is Kentucky a no-fault state?
Yes. Kentucky is a choice no-fault state. This means, in most cases, that the insurer of each driver involved in an accident will cover the cost of resulting medical expenses through PIP coverage, up to a certain threshold. Though Kentucky technically requires drivers to purchase basic PIP coverage, you can choose to reject the coverage and any benefits.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Kentucky
Sources
- United States Census Bureau. "Quick Facts: Henderson city, Kentucky."
- Britannica. "Tornado Alley."
- Kentucky Public Protection Cabinet Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Responsibility.org. "National Drunk Driving Statistics Map."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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