Car Insurance in Bowling Green, KY – 2025 Rates + Cheapest to Insure

What is the average cost of auto insurance in Bowling Green? We compare insurance rates for over 150 different models to find the cheapest car insurance quotes in Bowling Green, Kentucky.

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How much is car insurance in Bowling Green?

Average auto insurance cost in Bowling Green is $2,486 per year, or about $207 per month for a policy that provides full coverage. It costs 11.3% more to insure the average vehicle in Bowling Green, KY, than the overall national average rate of $2,221.

In the state of Kentucky, average car insurance cost is $2,600 per year, so the cost in Bowling Green averages $114 less per year. When compared to other cities in Kentucky, the average cost of car insurance in Bowling Green is $48 per year more than in Owensboro, $44 per year less than in Lexington, and $848 per year less than in Louisville.

The age of the rated driver is the largest factor that influences the price you pay for car insurance, so the list below illustrates these differences by breaking down average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Bowling Green, Kentucky, by driver age

  • 16 year old – $8,851 per year or $738 per month
  • 17 year old – $8,575 per year or $715 per month
  • 18 year old – $7,687 per year or $641 per month
  • 19 year old – $7,000 per year or $583 per month
  • 20 year old – $5,000 per year or $417 per month
  • 30 year old – $2,652 per year or $221 per month
  • 40 year old – $2,486 per year or $207 per month
  • 50 year old – $2,202 per year or $184 per month
  • 60 year old – $2,064 per year or $172 per month

The next chart shows a summary of car insurance rates in Bowling Green for 2024 model year vehicles, averaged based on a wide range of driver ages, policy physical damage deductibles, and risk scenarios.

Average car insurance rates in Bowling Green for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Bowling Green for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Bowling Green includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Bowling Green, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,716$476
Safe Driver Age 20$5,000$417
At-fault Accidents Age 40$3,518$293
Low Deductibles Age 40$3,252$271
Safe Driver Age 30$2,652$221
Safe Driver Age 40$2,486$207
Safe Driver Age 50$2,202$184
High Deductibles Age 40$2,090$174
Discount Rate Age 40$2,066$172
Safe Driver Age 60$2,064$172

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average rates in the prior chart range from $2,066 per year for a 40-year-old driver with many policy discounts to $5,716 per year for a 20-year-old driver with a lot of violations and accidents. In this article, the rate used to compare different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $2,486 per year.

As a monthly amount, car insurance in Bowling Green ranges from $172 to $476 for the same driver ages shown in the chart.

Auto insurance rates are different for every driver and are impacted by many factors. Due to the fact that rates are so variable, this stresses the need to get accurate car insurance quotes when shopping around for more affordable car insurance in Bowling Green.

The auto insurance costs referenced previously are the average cost across all 2024 model year vehicles, which is useful for making general comparisons such as the average cost difference between two Kentucky cities.

For more useful car insurance comparisons, however, it makes sense to instead use rates for the exact vehicle being insured. If you read farther in this article, we explore car insurance rates for specific makes and models of vehicles, but for now, we will explore just a few popular models to see how auto insurance rates measure up in Bowling Green.

The list below breaks down both annual and monthly auto insurance rates for some of the most popular cars, trucks, and SUVs on Bowling Green streets. Towards the end of this article, we will explore the ins-and-outs of insuring some of these vehicles in much more detail.

Car insurance rates for popular models in Bowling Green

What are the cheapest vehicles to insure in Bowling Green?

When comparing rates for all vehicle models, the vehicles with the cheapest average insurance prices in Bowling Green, KY, tend to be compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross. Average car insurance prices for those models cost $2,018 or less per year for a full coverage policy.

Other models that are in the top 20 in the cost comparison table below are the Ford Bronco Sport, Volkswagen Taos, Honda CR-V, and Volkswagen Tiguan. Insurance is a little higher for those models than the small SUVs and crossovers that rank near the top, but they still have average rates of $2,162 or less per year ($180 per month) in Bowling Green.

The table below shows the 25 car, truck, and SUV models with the cheapest auto insurance in Bowling Green, ordered by annual cost.

Top 25 Cheapest Cars, Trucks, and SUVs to Insure in Bowling Green
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,836$153
2Chevrolet Trailblazer$1,870$156
3Kia Soul$1,942$162
4Nissan Kicks$1,956$163
5Honda Passport$1,980$165
6Buick Envision$1,992$166
7Toyota Corolla Cross$2,002$167
8Hyundai Venue$2,018$168
9Mazda CX-5$2,028$169
10Ford Bronco Sport$2,038$170
11Volkswagen Tiguan$2,058$172
12Acura RDX$2,078$173
13Nissan Murano$2,090$174
14Buick Encore$2,112$176
15Subaru Outback$2,116$176
16Honda CR-V$2,120$177
17Buick Envista$2,122$177
18Volkswagen Taos$2,128$177
19Kia Niro$2,140$178
20Toyota GR Corolla$2,158$180
21Subaru Ascent$2,160$180
22Honda HR-V$2,162$180
23Nissan Leaf$2,176$181
24Chevrolet Colorado$2,188$182
25Honda Civic$2,200$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 26, 2025

Top 25 cheapest vehicles to insure in Bowling Green, KY with the Subaru Crosstrek ranking first at $1,836 per year
Top 25 cheapest vehicles to insure in Bowling Green, KY with the Subaru Crosstrek ranking first at $1,836 per year

A table of 25 ranked vehicles doesn’t really give the full picture of the cost of car insurance. A better way to analyze rates in an organized fashion is to organize them by automotive segment. The following six sections rank the vehicles with the most affordable car insurance rates in Bowling Green for the six most popular segments.

Cheapest car insurance rates in Bowling Green

The four highest ranking non-luxury cars with the most affordable insurance rates in Bowling Green are the Toyota GR Corolla at $2,158 per year, Nissan Leaf at $2,176 per year, Honda Civic at $2,200 per year, and Nissan Sentra at $2,278 per year.

Additional models that have good average insurance rates are the Chevrolet Malibu, Toyota Prius, Honda Accord, and Kia K5, with average cost of $2,422 per year or less.

Additional cars worth mentioning include the Subaru Legacy, Hyundai Ioniq 6, Hyundai Sonata, Mitsubishi Mirage G4, and Volkswagen Jetta, which cost between $2,422 and $2,570 per year to insure in Bowling Green.

Auto insurance in this segment starts at around $180 per month, depending on your company and location.

When vehicle size is considered, the cheapest non-luxury compact car to insure in Bowling Green is the Toyota GR Corolla at $2,158 per year, or $180 per month. For midsize models, the Kia K5 is cheapest to insure at $2,394 per year, or $200 per month. And for full-size cars, the Chrysler 300 has the most affordable rates at $2,368 per year, or $197 per month.

The rate comparison table below ranks the cars with the lowest-cost auto insurance rates in Bowling Green.

Cheapest Cars to Insure in Bowling Green, Kentucky
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,158$180
Nissan LeafCompact$2,176$181
Honda CivicCompact$2,200$183
Nissan SentraCompact$2,278$190
Subaru ImprezaCompact$2,282$190
Toyota PriusCompact$2,326$194
Kia K5Midsize$2,394$200
Honda AccordMidsize$2,398$200
Chevrolet MalibuMidsize$2,412$201
Toyota CorollaCompact$2,422$202
Kia ForteCompact$2,428$202
Volkswagen ArteonMidsize$2,442$204
Nissan VersaCompact$2,448$204
Subaru LegacyMidsize$2,452$204
Hyundai Ioniq 6Midsize$2,474$206
Mitsubishi Mirage G4Compact$2,508$209
Toyota CrownMidsize$2,516$210
Volkswagen JettaCompact$2,516$210
Hyundai SonataMidsize$2,518$210
Mazda 3Compact$2,570$214

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Bowling Green, KY, with the Toyota GR Corolla ranking first at $2,158 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Bowling Green, KY, with the Toyota GR Corolla ranking first at $2,158 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kentucky.

Cheapest SUVs to insure in Bowling Green, KY

Ranking at the top for the lowest-cost Bowling Green auto insurance rates in the SUV segment (excluding luxury models) are the Subaru Crosstrek, Nissan Kicks, Kia Soul, Chevrolet Trailblazer, and Honda Passport. Car insurance quotes for these models average $1,980 or less per year, or around $165 per month.

Other models that rank well include the Hyundai Venue, Toyota Corolla Cross, Mazda CX-5, and Ford Bronco Sport, with an average cost of $2,038 per year or less.

On a monthly basis, car insurance in Bowling Green on this segment for a middle-age safe driver starts at around $153 per month, depending on your location. The comparison table below ranks the twenty SUVs with the lowest-cost insurance rates in Bowling Green, starting with the Subaru Crosstrek at $153 per month and ending with the Subaru Ascent at $180 per month.

Cheapest SUVs to Insure in Bowling Green, Kentucky
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,836$153
Chevrolet TrailblazerCompact$1,870$156
Kia SoulCompact$1,942$162
Nissan KicksCompact$1,956$163
Honda PassportMidsize$1,980$165
Buick EnvisionCompact$1,992$166
Toyota Corolla CrossCompact$2,002$167
Hyundai VenueCompact$2,018$168
Mazda CX-5Compact$2,028$169
Ford Bronco SportCompact$2,038$170
Volkswagen TiguanCompact$2,058$172
Nissan MuranoMidsize$2,090$174
Buick EncoreCompact$2,112$176
Subaru OutbackMidsize$2,116$176
Honda CR-VCompact$2,120$177
Buick EnvistaMidsize$2,122$177
Volkswagen TaosCompact$2,128$177
Kia NiroCompact$2,140$178
Subaru AscentMidsize$2,160$180
Honda HR-VCompact$2,162$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Bowling Green, KY, with the Subaru Crosstrek ranking first at $1,836 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Bowling Green, KY, with the Subaru Crosstrek ranking first at $1,836 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bowling Green car insurance quotes from the best companies in Kentucky.

Cheapest pickup insurance rates in Bowling Green

Ranking at the top for the most affordable Bowling Green car insurance rates in the pickup truck segment are the Chevrolet Colorado, Ford Ranger, Nissan Titan, Nissan Frontier, and Ford Maverick. Car insurance quotes for these 2024 models average $2,408 or less per year.

Some other pickups that have good average insurance rates include the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and GMC Sierra 2500 HD, with an average cost of $2,556 per year or less.

Auto insurance in Bowling Green for this segment can cost as low as $182 per month, depending on where you live.

The table below ranks the pickups with the most affordable insurance rates in Bowling Green, starting with the Chevrolet Colorado at $182 per month and ending with the Ram Truck at $240 per month.

Cheapest Pickups to Insure in Bowling Green, Kentucky
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,188$182
Nissan TitanFull-size$2,324$194
Nissan FrontierMidsize$2,348$196
Ford RangerMidsize$2,374$198
Ford MaverickMidsize$2,408$201
Honda RidgelineMidsize$2,466$206
Hyundai Santa CruzMidsize$2,506$209
Toyota TacomaMidsize$2,518$210
GMC Sierra 2500 HDHeavy Duty$2,528$211
GMC CanyonMidsize$2,556$213
Jeep GladiatorMidsize$2,618$218
GMC Sierra 3500Heavy Duty$2,634$220
Chevrolet Silverado HD 3500Heavy Duty$2,658$222
Chevrolet Silverado HD 2500Heavy Duty$2,728$227
GMC SierraFull-size$2,744$229
Nissan Titan XDHeavy Duty$2,746$229
Chevrolet SilveradoFull-size$2,748$229
Ford F150Full-size$2,780$232
GMC Hummer EV PickupFull-size$2,848$237
Ram TruckFull-size$2,874$240

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bowling Green, KY, with the Chevrolet Colorado ranking first at $2,188 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bowling Green, KY, with the Chevrolet Colorado ranking first at $2,188 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck missing from the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Kentucky.

Cheapest sports car insurance rates

Ranking at the top for the lowest-cost Bowling Green auto insurance rates in the performance and sports car segment are the BMW Z4, Subaru WRX, Mazda MX-5 Miata, Ford Mustang, and Toyota GR86. Car insurance rates for these 2024 models average $2,786 or less per year.

Some other sports cars that have affordable average insurance rates include the BMW M2, Lexus RC F, Subaru BRZ, and Nissan Z, with average cost of $2,972 per year or less.

In the bottom half of the top 20, models like the Porsche Taycan, Jaguar F-Type, Porsche 718, Porsche 911, and Chevrolet Camaro cost between $2,972 and $4,208 per year for full-coverage insurance.

Auto insurance in Bowling Green for this segment for a middle-age safe driver starts at around $192 per month, depending on where you live and the company you use.

The rate comparison table below ranks the sports cars with the most affordable auto insurance rates in Bowling Green, starting with the Mazda MX-5 Miata at $2,302 per year ($192 per month) and ending with the Porsche Taycan at $4,208 per year ($351 per month).

Cheapest Sports Cars to Insure in Bowling Green, Kentucky
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,302$192
Toyota GR86Sports Car$2,620$218
Ford MustangSports Car$2,730$228
BMW Z4Sports Car$2,744$229
Subaru WRXSports Car$2,786$232
Toyota GR SupraSports Car$2,790$233
BMW M2Sports Car$2,872$239
Nissan ZSports Car$2,878$240
Lexus RC FSports Car$2,938$245
Subaru BRZSports Car$2,972$248
BMW M3Sports Car$3,138$262
Porsche 718Sports Car$3,200$267
Chevrolet CamaroSports Car$3,228$269
Chevrolet CorvetteSports Car$3,440$287
Porsche 911Sports Car$3,562$297
BMW M4Sports Car$3,708$309
Lexus LC 500Sports Car$3,730$311
Jaguar F-TypeSports Car$3,922$327
Mercedes-Benz AMG GT53Sports Car$4,116$343
Porsche TaycanSports Car$4,208$351

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Bowling Green, KY, with the Mazda MX-5 Miata ranking first at $2,302 per year.
Ranking of the cheapest sports cars to insure in Bowling Green, KY, with the Mazda MX-5 Miata ranking first at $2,302 per year.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Bowling Green.

Cheapest luxury car insurance rates

The most affordable luxury cars to insure in Bowling Green are the Acura Integra at $2,212 per year, the BMW 330i at $2,532 per year, and the Mercedes-Benz CLA250 at $2,558 per year.

Also ranking in the top 10 are models like the Lexus ES 350, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus RC 300, with average insurance cost of $2,614 per year or less.

Car insurance for this segment in Bowling Green for the average driver can cost as low as $184 per month, depending on your company and location.

If rates are ranked based on vehicle size, the most budget-friendly small luxury car to insure in Bowling Green is the Acura Integra at $2,212 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,558 per year. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,954 per year.

The table below ranks the luxury cars with the lowest-cost insurance in Bowling Green, starting with the Acura Integra at $2,212 per year and ending with the Audi S3 at $2,788 per year.

Cheapest Luxury Cars to Insure in Bowling Green, Kentucky
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,212$184
BMW 330iCompact$2,532$211
Mercedes-Benz CLA250Midsize$2,558$213
Lexus IS 300Midsize$2,562$214
Acura TLXCompact$2,572$214
Cadillac CT4Compact$2,598$217
Lexus ES 350Midsize$2,598$217
Genesis G70Compact$2,602$217
Mercedes-Benz AMG CLA35Midsize$2,608$217
Lexus RC 300Midsize$2,614$218
Lexus IS 350Compact$2,626$219
Jaguar XFMidsize$2,630$219
Cadillac CT5Midsize$2,676$223
Lexus ES 250Midsize$2,690$224
BMW 330eCompact$2,698$225
Lexus RC 350Compact$2,698$225
BMW 228iCompact$2,702$225
BMW 230iCompact$2,722$227
Lexus ES 300hMidsize$2,728$227
Audi S3Compact$2,788$232

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bowling Green, KY, with the Acura Integra ranking first at $2,212 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bowling Green, KY, with the Acura Integra ranking first at $2,212 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Kentucky.

Cheapest luxury SUV insurance rates

The top five most budget-friendly non-luxury SUVs to insure in Bowling Green are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Rates for for these five SUVs range from $2,078 to $2,346 per year.

Additional luxury SUVs that have good average insurance rates are the Lexus NX 450h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus UX 250h, with average annual insurance rates of $2,398 per year or less.

Some additional luxury SUVs that make the list include the Lexus RX 350, Cadillac XT6, Land Rover Evoque, and Lexus NX 350, which average between $2,398 and $2,494 to insure per year.

As a cost per month, full-coverage car insurance on this segment in Bowling Green can cost as low as $173 per month, depending on the company and your location. The rate comparison table below ranks the twenty luxury SUVs with the most affordable auto insurance rates in Bowling Green, starting with the Acura RDX at $2,078 per year and ending with the Lexus RX 350 at $2,494 per year.

Cheapest Luxury SUVs to Insure in Bowling Green, Kentucky
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,078$173
Lexus NX 250Compact$2,200$183
Cadillac XT4Compact$2,246$187
Jaguar E-PaceMidsize$2,324$194
Cadillac XT5Midsize$2,346$196
Lexus NX 350hCompact$2,348$196
Lincoln CorsairCompact$2,376$198
Mercedes-Benz GLB 250Compact$2,380$198
Lexus UX 250hCompact$2,382$199
Lexus NX 450hCompact$2,398$200
Infiniti QX50Midsize$2,416$201
Mercedes-Benz GLA250Compact$2,426$202
Cadillac XT6Midsize$2,432$203
Mercedes-Benz GLA35 AMGCompact$2,434$203
Infiniti QX60Midsize$2,446$204
Mercedes-Benz AMG GLB35Midsize$2,450$204
Land Rover EvoqueCompact$2,482$207
Acura MDXMidsize$2,484$207
Lexus NX 350Compact$2,494$208
Lexus RX 350Midsize$2,494$208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowling Green, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bowling Green, KY, with the Acura RDX ranking first at $2,078 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bowling Green, KY, with the Acura RDX ranking first at $2,078 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bowling Green car insurance quotes from the best companies in Kentucky.

Tips for finding cheaper auto insurance quotes

Bowling Green drivers are always looking to cut the monthly cost of insurance So take a minute to review the tips below to see if you can save a little money on your next policy.

  • Compare insurance costs before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance rates, and auto insurance companies can price policies with widely varying rates. Check the cost of insurance before you upgrade you car in order to prevent insurance sticker shock when you get the bill.
  • Fewer violations means cheaper policy cost. In order to get the cheapest auto insurance in Bowling Green, it pays to follow traffic laws. In fact, just one or two minor incidents on your driving report could possibly increase auto insurance rates by as much as $660 per year. Major infractions like DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,308 or more.
  • Earn a discount from your job. The vast majority of car insurance providers offer discounts for having a job in professions like high school and elementary teachers, firefighters, accountants, emergency medical technicians, dentists, nurses, and others. By qualifying for an occupational discount, you may save between $75 and $242 on your yearly auto insurance bill.
  • Save money with better credit. Having a good credit rating over 800 could save a minimum of $390 per year over a lower credit score of 670-739. Conversely, a less-than-perfect credit history could cost around $452 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Car insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • More discounts equals more savings. Discounted rates may be available if the policyholders are accident-free, belong to certain professional organizations, choose electronic billing, sign their policy early, work in certain occupations, or many other discounts which could save the average Bowling Green driver as much as $420 per year.