Bowling Green, KY Car Insurance

Bowling Green drivers pay, on average, around $106 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What can Bowling Green residents expect to pay for their car insurance? How does Bowling Green stack up to the rest of the area, or even Kentucky as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Bowling Green?

Area Average Monthly Car Insurance Premium
Bowling Green$106
KY$132
United States$80

Looking at the chart above, you can see it's around $26 a month cheaper to insure your vehicle in Bowling Green than it is in the rest of Kentucky.

That being said Bowling Green residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $26 more expensive to insure your vehicle in Bowling Green compared to the average rate for the rest of the U.S.

While these numbers are the average rates for auto insurance in Bowling Green, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Bowling Green residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$299
18-24$171
25-34$96
35-44$88
45-54Not Enough Data
55-64$71
65+$85

Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $86 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to increase again in Bowling Green.

Average Car Insurance Rates by Gender

Gender Average
Male$116
Female$96

On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Bowling Green, where women pay around $20 less per month than men. Based on the chart above, you can see that male drivers pay $116 on average, while female drivers typically pay $96 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$148
1 Ticket$123
Multiple Tickets$172

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Bowling Green with a single accident will pay around $112 a month. In addition, drivers with a single ticket on their record can expect to pay around $123 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$111
2-3 Years$93
4-5 Years$125
6-7 Years$102
8-10 Years$115
11-14 Years$105
15 Years or Older$100

According to the first table above, the cheapest vehicles to insure in Bowling Green are typically trucks and vans, at $76 per month.

SUV drivers will see rates of about $98 for auto insurance coverage, while car owners usually pay around $112 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Bowling Green, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$112
Married$89
Divorced$83
Widowed$93

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Bowling Green can be as much as $23 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$84
Rent$107
Live with parents$177

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $23 a month more than those who own their own home in Bowling Green. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Bowling Green, KY

Recent trends in car insurance for Bowling Green drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

Car insurance rates in Bowling Green increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $96 a month

How does Bowling Green compare to neighboring areas?

Why are car insurance rates in Bowling Green different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Road safety
  • Access to off-street parking
  • Local crime rates
  • Community laws
  • Number of drivers in the area

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Bowling Green?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Bowling Green.

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Bowling Green Insurance FAQs

What factors affect car insurance quotes in Bowling Green?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Bowling Green different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Bowling Green?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bowling Green?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bowling Green or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes