Cheapest Auto Insurance in Henderson, Kentucky (2024)

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 $238 per month for car insurance, which is similar to the Kentucky average of $250 per month.

Drivers in northern Kentucky, including in Henderson, may face more expensive rates than the national average of $158 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.

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.

Best insurer for cheap rates: Auto-Owners

Best insurer for families: State Farm

Best insurer for high-risk drivers: National General

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.

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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 $172 per month. Here are some of the cheapest car insurance options for liability coverage in Henderson.

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 $303 per month. Here are some of the cheapest full-coverage insurance options for Henderson drivers.

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:

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]

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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 $234 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.

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 $241 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.

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 $275 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.

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 $145 per month for liability coverage and $256 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.

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 $318 per month for liability coverage and $561 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.

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.

Is car insurance more expensive in Henderson?

The average cost of a full-coverage auto insurance policy in Henderson is $303 per month, which is more than the national average of $211 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 $271 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.

Henderson, Kentucky, car insurance FAQs