Car Insurance in Bowling Green, KY – 2024 Rates + Cheapest to Insure

• Average car insurance cost in Bowling Green is $1,918 per year, or approximately $160 per month, for a full-coverage policy.
• Monthly auto insurance rates for a few popular vehicles in Bowling Green include the Nissan Sentra at $146, Subaru Forester at $143, and Hyundai Elantra at $174.
• Compact crossovers and SUVs like the Honda CR-V, Buick Encore, Hyundai Venue, and Nissan Kicks are the top picks for cheap car insurance in Bowling Green.

How much is car insurance in Bowling Green?

Average auto insurance cost in Bowling Green is $1,918 per year, or about $160 per month for a policy that provides full coverage. It costs 1.8% more to insure the average vehicle in Bowling Green, KY, than the overall national average rate of $1,883.

In the state of Kentucky, average car insurance cost is $2,034 per year, so the cost in Bowling Green averages $116 less per year. When compared to other cities in Kentucky, the average cost of car insurance in Bowling Green is $46 per year more than in Owensboro, $46 per year less than in Lexington, and $852 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 – $6,836 per year or $570 per month
• 17 year old – $6,623 per year or $552 per month
• 18 year old – $5,932 per year or $494 per month
• 19 year old – $5,405 per year or $450 per month
• 20 year old – $3,858 per year or $322 per month
• 30 year old – $2,046 per year or $171 per month
• 40 year old – $1,918 per year or $160 per month
• 50 year old – $1,702 per year or $142 per month
• 60 year old – $1,592 per year or $133 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 rates in the prior chart range from $1,594 per year for a 40-year-old driver with many policy discounts to $4,414 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 $1,918 per year.

As a monthly amount, car insurance in Bowling Green ranges from $133 to $368 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.

Specific vehicles and the cost of insurance

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

• Nissan Sentra – $1,756 per year or $146 per month
• Subaru Forester – $1,710 per year or $143 per month
• Hyundai Elantra – $2,084 per year or $174 per month
• Toyota Highlander – $1,746 per year or $146 per month
• Toyota RAV4 – $1,766 per year or $147 per month
• Honda Civic – $1,700 per year or $142 per month
• Nissan Altima – $2,078 per year or $173 per month
• Toyota Corolla – $1,872 per year or $156 per month
• Mazda CX-5 – $1,564 per year or $130 per month
• Honda Accord – $1,852 per year or $154 per month

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 $1,558 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, Chevrolet Colorado, 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 $1,644 or less per year ($137 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.

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 $1,666 per year, Nissan Leaf at $1,682 per year, Honda Civic at $1,700 per year, and Nissan Sentra at $1,756 per year.

Additional models that have good average insurance rates are the Honda Accord, Hyundai Ioniq 6, Kia K5, and Toyota Prius, with average cost of $1,860 per year or less.

Additional cars worth mentioning include the Nissan Versa, Subaru Legacy, Hyundai Sonata, Mitsubishi Mirage G4, and Volkswagen Jetta, which cost between $1,860 and $1,986 per year to insure in Bowling Green.

Auto insurance in this segment starts at around $139 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 $1,666 per year, or $139 per month. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,762 per year, or $147 per month. And for full-size cars, the Chrysler 300 has the most affordable rates at $1,822 per year, or $152 per month.

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

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 $1,526 or less per year, or around $127 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 $1,572 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 $118 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 $118 per month and ending with the Honda HR-V at $139 per month.

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 $1,860 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 $1,976 per year or less.

Auto insurance in Bowling Green for this segment can cost as low as $137 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 $137 per month and ending with the Ram Truck at $185 per month.

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 $2,152 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 $2,294 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 $2,294 and $3,250 per year for full-coverage insurance.

Auto insurance in Bowling Green for this segment for a middle-age safe driver starts at around $148 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 $1,776 per year ($148 per month) and ending with the Porsche Taycan at $3,250 per year ($271 per month).

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 $1,706 per year, the BMW 330i at $1,952 per year, and the Mercedes-Benz CLA250 at $1,972 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 $2,016 per year or less.

Car insurance for this segment in Bowling Green for the average driver can cost as low as $142 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 $1,706 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,972 per year. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,272 per year.

The table below ranks the luxury cars with the lowest-cost insurance in Bowling Green, starting with the Acura Integra at $1,706 per year and ending with the Audi S3 at $2,152 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 $1,604 to $1,810 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 $1,848 per year or less.

Some additional luxury SUVs that make the list include the Lexus NX 350, Mercedes-Benz GLA35 AMG, Acura MDX, and Lexus RX 350, which average between $1,848 and $1,924 to insure per year.

As a cost per month, full-coverage car insurance on this segment in Bowling Green can cost as low as $134 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 $1,604 per year and ending with the Lexus NX 350 at $1,924 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 $514 per year. Major infractions like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,782 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 $58 and $187 on your yearly auto insurance bill.
• Save money with better credit. Having a good credit rating over 800 could save a minimum of $301 per year over a lower credit score of 670-739. Conversely, a less-than-perfect credit history could cost around $349 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 $300 per year for a 40-year-old driver and $588 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 $324 per year.