Buy Cheap Harlan, KY Auto Insurance (2022)

Harlan, KY auto insurance rates average $541 a month. Minimum auto insurance requirements in Harlan, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Harlan, KY, compare Harlan auto insurance quotes from top companies.

UPDATED: Mar 15, 2022Fact Checked

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Harlan, KY are $541/month
  • Average auto insurance rates in Harlan, KY after a DUI are $7,795/year
  • The most expensive auto insurance company in Harlan is Allstate

Finding affordable Harlan, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Harlan, KY auto insurance with confidence is right here. Auto insurance rates in Harlan are affected by local factors as well as personal ones like your driving record.

See how Harlan, KY car insurance rates compare to Bowling Green auto insurance rates, Hopkinsville auto insurance rates, and Richmond auto insurance rates before you read more about the cost of auto insurance in Harlan.

Don’t buy Harlan, KY auto insurance until you’ve compared rates. Get free Harlan, Kentucky auto insurance quotes when you enter your ZIP code above.

Harlan, KY Minimum Auto Insurance Requirements

The required auto insurance in Harlan, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Harlan, Kentucky is outlined here.

Minimum Required Auto Insurance Coverage in Harlan, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Harlan, KY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Harlan, KY. Take a look at Harlan, Kentucky auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Harlan, Kentucky

Insurance Company Poor Fair Good
Allstate $13,886 $9,334 $7,677
GEICO $8,861 $4,424 $2,884
Liberty Mutual $10,427 $6,351 $4,989
Nationwide $9,986 $7,742 $6,667
Progressive $6,409 $5,612 $5,237
State Farm $4,958 $3,039 $2,396
Travelers $9,396 $7,939 $7,911
USAA $4,820 $2,697 $2,196

Buy Cheap Harlan, KY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Harlan, Kentucky auto insurance rates? Find out how car insurance rates in Harlan, KY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harlan, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,901 $5,813 $5,429 $5,771 $22,046 $24,393 $6,386 $6,654
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,887 $4,228 $3,274 $3,679 $16,417 $18,221 $4,075 $4,265
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,695 $2,547 $2,440 $2,439 $13,660 $15,500 $3,347 $3,394
State Farm $2,239 $2,239 $1,999 $1,999 $6,183 $7,833 $2,482 $2,741
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Buy Cheap Harlan, KY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Harlan can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harlan, KY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Harlan, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,046 $24,393
GEICO $8,902 $10,417
Liberty Mutual $16,417 $18,221
Nationwide $13,093 $16,143
Progressive $13,660 $15,500
State Farm $6,183 $7,833
Travelers $17,425 $28,270
USAA $5,756 $6,065

Buy Cheap Harlan, KY Auto Insurance for Seniors

You can save on senior auto insurance rates in Harlan, Kentucky by comparing Harlan senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harlan, KY here.

Annual Auto Insurance Rates for Senior Drivers in Harlan, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,429 $5,771
GEICO $4,595 $4,158
Liberty Mutual $3,274 $3,679
Nationwide $5,260 $5,461
Progressive $2,440 $2,439
State Farm $1,999 $1,999
Travelers $3,397 $3,410
USAA $1,955 $1,999

Find Cheap Auto Insurance Rates in Harlan, KY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Harlan, Kentucky auto insurance. Compare Harlan, KY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harlan, Kentucky

Insurance Company Low Medium High
Allstate $8,843 $10,209 $11,846
GEICO $4,884 $5,352 $5,934
Liberty Mutual $6,874 $7,207 $7,686
Nationwide $8,122 $7,993 $8,280
Progressive $5,198 $5,639 $6,421
State Farm $3,222 $3,451 $3,719
Travelers $7,963 $8,447 $8,836
USAA $3,078 $3,229 $3,405

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Harlan, KY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Harlan. Compare auto insurance rates in Harlan, KY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Harlan, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,299 $10,299
GEICO $5,341 $5,438
Liberty Mutual $7,256 $7,256
Nationwide $8,132 $8,132
Progressive $5,753 $5,753
State Farm $3,381 $3,548
Travelers $8,415 $8,415
USAA $3,114 $3,361

Find Cheap Harlan, KY Auto Insurance Rates by Driving Record

Auto insurance rates in Harlan, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harlan, KY, take a look at the average cost for various violations versus rates for a clean driving record in Harlan.

Annual Harlan, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,531 $11,122 $11,908 $9,635
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $6,036 $9,330 $7,235 $6,421
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,745 $7,089 $5,409 $5,768
State Farm $3,193 $3,735 $3,464 $3,464
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,436 $3,454 $4,127 $2,933

Find Cheap Harlan, KY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Harlan, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Harlan for less when you shop around and compare rates from multiple Harlan, KY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Harlan, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,908
GEICO $8,597
Liberty Mutual $7,235
Nationwide $10,669
Progressive $5,409
State Farm $3,464
Travelers $10,948
USAA $4,127

Winners by Category: Where to Buy Cheap Auto Insurance in Harlan, KY

Compare rates from the cheapest auto insurance companies in Harlan, KY for your needs. Take a look at how Harlan, Kentucky auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Harlan, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Harlan, Kentucky Auto Insurance Companies

If you’re looking for the cheapest Harlan, KY auto insurance companies overall, you can compare them here. Find the best price for Harlan, Kentucky car insurance by company.

Average Annual Auto Insurance Rates by Company in Harlan, Kentucky

Insurance Company Average Annual Rates
Allstate $10,299
GEICO $5,390
Liberty Mutual $7,256
Nationwide $8,132
Progressive $5,753
State Farm $3,464
Travelers $8,415
USAA $3,238

What affects Harlan, Kentucky auto insurance rates?

Local factors affect auto insurance rates in Harlan, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Harlan auto insurance rates.

Commute Times in Harlan

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harlan, KY is 11.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Harlan, KY

You can buy cheap Harlan, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harlan, Kentucky auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

stage