Car Insurance Quotes in Owensboro, KY – 2025 Rates + Cheapest Autos

• Owensboro car insurance cost averages $2,438 per year for a full-coverage policy, or around $203 per month.
• Small SUV models like the Kia Soul, Nissan Kicks, Buick Encore, and Ford Bronco Sport are the best options for cheap car insurance in Owensboro.

How much does Owensboro car insurance cost?

Average car insurance rates in Owensboro cost $2,438 per year, or about $203 per month. When compared to the U.S. overall average rate, Owensboro car insurance cost is 9.3% more expensive per year.

The average car insurance expense in Kentucky is $2,600 per year, so Owensboro, Kentucky, drivers pay an average of $162 less per year than the overall Kentucky state-wide average rate. The average cost of auto insurance in Owensboro compared to other Kentucky cities is approximately $48 per year less than in Bowling Green, $92 per year cheaper than in Lexington, and $896 per year less than in Louisville.

The age of the rated driver has a significant impact the price of auto insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates in Owensboro for young, middle-age, and senior drivers.

Average cost of car insurance in Owensboro, Kentucky, by driver age

• 16 year old – $8,684 per year or $724 per month
• 17 year old – $8,414 per year or $701 per month
• 18 year old – $7,541 per year or $628 per month
• 19 year old – $6,865 per year or $572 per month
• 20 year old – $4,906 per year or $409 per month
• 30 year old – $2,602 per year or $217 per month
• 40 year old – $2,438 per year or $203 per month
• 50 year old – $2,162 per year or $180 per month
• 60 year old – $2,022 per year or $169 per month

The next chart shows average Owensboro auto insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different policy deductible amounts.

The average cost of car insurance per month in Owensboro is $203, with prices ranging from $143 to $476 for the driver ages and deductible levels shown in the chart above.

The models that have high popularity in Owensboro tend to be compact or midsize sedans like the Honda Civic and Toyota Camry and compact and midsize SUVs like the Toyota RAV4 and Chevy Traverse.

A few additional popular models from other segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Tesla Model S and BMW 530i, and pickup trucks like the Ford F-150 and Ford Ranger.

We will get into auto insurance rates for many more vehicles a little farther in this article, but before we delve that deep, let’s take a quick look at the key concepts that we covered up to this point.

• Auto insurance rates drop considerably in your twenties – The average 30-year-old Owensboro driver will pay $2,304 less per year than a 20-year-old driver, $2,602 compared to $4,906.
• Car insurance is generally cheaper as you get older – Auto insurance rates for a 50-year-old driver in Owensboro are $2,744 per year cheaper than for a 20-year-old driver.
• Insuring teenagers can be expensive – Cost ranges from $5,808 to $8,684 per year to insure a teen driver in Owensboro.
• Teen female drivers pay cheaper rates than teenage males – Teenage females pay $1,057 to $569 less each year than male drivers of the same age.
• Owensboro auto insurance prices are cheaper than the Kentucky state average – $2,438 (Owensboro average) versus $2,600 (Kentucky average)

Which autos have cheap insurance in Owensboro, KY?

When all models are compared, the vehicles with the cheapest insurance quotes in Owensboro, KY, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, Nissan Kicks, and Buick Envision. Average insurance rates for those compact SUVs cost $1,980 or less per year for a policy with full coverage.

Examples of other models that have affordable auto insurance rates in our insurance cost comparison are the Honda HR-V, Volkswagen Tiguan, Buick Envista, and Volkswagen Taos. Average auto insurance rates are slightly higher for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average cost of $177 or less per month.

The table below details the 25 models with the cheapest car insurance in Owensboro, ordered by annual cost.

A list of 25 ranked vehicles doesn’t really give a complete view of the cost of car insurance in Owensboro. Considering we track over 700 vehicles, only about 4% of vehicles are displayed.

So let’s dig deeper and break out the models with the lowest rates in a better format, by segment. The six sections below rank the models with the cheapest auto insurance rates in Owensboro for each of the main vehicle segments.

Cheapest cars to insure in Owensboro

Ranking highest for the cheapest Owensboro auto insurance rates in the sedan or hatchback segment are the Subaru Impreza, Toyota GR Corolla, Nissan Sentra, Honda Civic, and Nissan Leaf. Car insurance rates for these models average $2,240 or less per year, or around $187 per month.

Also ranking well in our comparison are cars like the Toyota Corolla, Kia K5, Honda Accord, and Chevrolet Malibu, with average annual insurance rates of $2,374 per year or less.

Additional 2024 models that made the list include the Hyundai Ioniq 6, Mazda 3, Nissan Versa, Hyundai Sonata, and Toyota Crown, which cost between $2,374 and $2,520 per year for insurance.

Full-coverage car insurance in Owensboro for this segment can cost as low as $177 per month, depending on where you live.

When the car segment is analyzed by vehicle size, the lowest-cost compact car to insure in Owensboro is the Toyota GR Corolla at $2,118 per year. For midsize cars, the Kia K5 is cheapest to insure at $2,348 per year. And for large cars, the Chrysler 300 has the cheapest rates at $2,324 per year.

The next table ranks the cars with the lowest-cost car insurance in Owensboro.

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

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Owensboro car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest SUVs to insure in Owensboro, KY

In our comparison, the top five lowest-cost SUVs to insure in Owensboro are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average insurance rates for for these models range from $1,802 to $1,944 per year.

Additional SUVs that have cheaper rates include the Ford Bronco Sport, Hyundai Venue, Mazda CX-5, and Buick Envision, with an average cost of $1,996 per year or less.

Some additional SUVs that make the list include the Subaru Ascent, Volkswagen Taos, Buick Encore, and Honda HR-V, which average between $1,996 and $2,122 per year to insure in Owensboro.

From a cost per month standpoint, full-coverage insurance in Owensboro on this segment for a middle-age safe driver starts at an average of $150 per month, depending on your location and insurance company.

The comparison table below ranks the SUVs with the lowest-cost insurance rates in Owensboro, starting with the Subaru Crosstrek at $150 per month and ending with the Subaru Ascent at $177 per month.

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

Don’t see insurance cost for your SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Owensboro car insurance quotes from the best auto insurance companies in Kentucky.

Pickups with cheap auto insurance rates

Ranking at the top for the most affordable Owensboro auto insurance rates in the pickup segment are the Ford Maverick, Chevrolet Colorado, Ford Ranger, Nissan Titan, and Nissan Frontier. Rates for these models average $197 or less per month.

Additional models that rank well in our comparison are the Honda Ridgeline, GMC Sierra 2500 HD, Hyundai Santa Cruz, and GMC Canyon, with an average cost of $2,508 per year or less.

Car insurance rates in this segment for a middle-age safe driver can cost as low as $179 per month, depending on the company and your location.

The rate comparison table below ranks the pickups with the lowest-cost insurance rates in Owensboro, starting with the Chevrolet Colorado at $179 per month and ending with the Ram Truck at $235 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

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 the best companies in Kentucky.

Cheapest sports car insurance rates

Ranking in the top five for the cheapest Owensboro auto insurance rates in the performance and sports car segment are the BMW Z4, Subaru WRX, Ford Mustang, Mazda MX-5 Miata, and Toyota GR86. Car insurance prices for these vehicles average $2,736 or less per year, or around $228 per month.

Other cars that rank well in our comparison are the Toyota GR Supra, Lexus RC F, BMW M2, and Nissan Z, with average annual insurance rates of $2,916 per year or less.

Ranked between 10th and 20th place, models like the Porsche 718, Jaguar F-Type, Chevrolet Camaro, Porsche 911, Porsche Taycan, and BMW M4 average between $2,916 and $4,130 per year for full-coverage insurance.

From a monthly standpoint, auto insurance rates on this segment in Owensboro for a safe driver starts at around $188 per month, depending on the company. The table below ranks the sports cars with the most affordable insurance in Owensboro, starting with the Mazda MX-5 Miata at $188 per month and ending with the Porsche Taycan at $344 per month.

Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Owensboro.

Cheapest luxury cars to insure

The #1 ranking in Owensboro for the most affordable average insurance rates in the luxury sedan segment is the Acura Integra, at an average of $2,168 per year. Second place is the BMW 330i costing $2,482 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $2,510 per year.

Additional luxury cars that rank well are the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Cadillac CT4, with average insurance cost of $2,562 per year or less.

Some additional luxury cars worth mentioning include the Lexus ES 250, Lexus ES 300h, Audi S3, and Cadillac CT5, which average between $2,562 and $2,734 per year for insurance in Owensboro.

Full-coverage auto insurance in this segment for an average middle-age driver can cost as low as $181 per month, depending on the company and your location.

If vehicle size is considered, the lowest-cost compact luxury car to insure in Owensboro is the Acura Integra at $2,168 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,510 per year. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $2,898 per year.

The rate comparison table below ranks the twenty cars with the most affordable car insurance in Owensboro, starting with the Acura Integra at $181 per month and ending with the Audi S3 at $228 per month.

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

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 companies in Kentucky.

Cheapest luxury SUVs to insure

The #1 ranking in Owensboro for cheapest auto insurance in the luxury SUV segment is the Acura RDX, costing $2,040 per year. Second place is the Lexus NX 250 at $2,160 per year, coming in third is the Cadillac XT4, costing an average of $2,202 per year, and the fourth most affordable is the Jaguar E-Pace, at an average of $2,282 per year.

Additional models that have affordable insurance rates are the Lexus NX 450h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average car insurance cost of $2,352 per year or less.

Additional vehicles that make the list include the Lexus RX 350, Lexus NX 350, Acura MDX, Land Rover Evoque, and Infiniti QX60, which average between $2,352 and $2,448 per year for insurance in Owensboro.

Full-coverage auto insurance in Owensboro for this segment for a good driver can cost as low as $170 per month, depending on your location and insurance company.

The next table ranks the luxury SUVs with the cheapest auto insurance rates in Owensboro.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

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

Car insurance rate factors

To aid in understanding the extent to which auto insurance prices can fluctuate from one driver to the next, the examples below present detailed auto insurance rates for five popular models in Owensboro: the Chevrolet Silverado, Honda CR-V, Kia Sorento, Toyota Camry, and Chevrolet Camaro.

Each vehicle example uses different driver and policy risk profiles to illustrate the price fluctuation based on driver risk or policy deductible limits.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Owensboro costs an average of $2,696 per year, or about $225 per month, and varies from $2,236 to $6,258.

The Chevrolet Silverado is considered a full-size truck, and other top-selling models from the same segment include the Nissan Titan, Ram Truck, GMC Sierra, and Ford F150.

Honda CR-V insurance rates

Insurance for a Honda CR-V in Owensboro costs an average of $2,078 per year, or about $173 per month, and ranges from $1,728 to $4,778 annually.

The Honda CR-V is a compact SUV, and other models in that segment include the Nissan Rogue, Chevrolet Equinox, and Mazda CX-5.

Kia Sorento insurance rates

Auto insurance for a Kia Sorento in Owensboro averages $2,314 per year (about $193 per month) and has a range of $1,924 to $5,316 annually for the different driver profiles in the chart shown below.

The Kia Sorento belongs to the midsize SUV segment, and other models popular in Owensboro include the Ford Explorer, Jeep Grand Cherokee, Ford Edge, and Toyota Highlander.

Toyota Camry insurance rates

Toyota Camry insurance in Owensboro costs an average of $2,618 per year ($218 per month) and varies from $2,178 to $6,024.

The Toyota Camry is considered a midsize car, and other similar models include the Kia K5, Nissan Altima, Hyundai Sonata, and Honda Accord.

Chevrolet Camaro insurance rates

Insurance for a Chevrolet Camaro in Owensboro costs an average of $3,168 per year, or about $264 per month, and has a range of $2,626 to $7,278 annually.

The Chevrolet Camaro is considered a sports car, and other models from that segment that are popular in Owensboro, Kentucky, include the Nissan 370Z, Ford Mustang, and Toyota Supra.

How to save on auto insurance in Owensboro

Smart drivers in Owensboro are always searching for ways to reduce the monthly expense for insurance, so glance at the savings concepts in this next list and maybe you can save a little dough on your next car insurance policy.

• Avoid traffic tickets to pay less. In order to get cheap car insurance in Owensboro, it pays to not be aggressive behind the wheel. Just one or two minor blemishes on your driving record have the potential to increase car insurance cost by up to $648 per year. Major infractions like driving under the influence could raise rates by an additional $2,266 or more.
• Avoid accidents for cheaper Owensboro car insurance rates. Too many at-fault accidents can cost more, potentially up to $3,482 per year for a 20-year-old driver and even as much as $598 per year for a 60-year-old driver. So drive safe and save!
• Choose a vehicle with more affordable insurance rates. The performance of the vehicle you drive is one of the biggest factors in the cost of auto insurance. As an example, a Mazda CX-30 costs $970 less per year to insure in Owensboro than a Chevrolet Camaro. Less performance equals cheaper car insurance rates.
• Raise your credit score for cheaper insurance rates. Insureds with excellent credit scores of 800+ could save a minimum of $383 per year versus a lower credit score of 670-739. Conversely, a mediocre credit score could cost as much as $444 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare the cost of insurance before buying a car. Different cars, and even different trim levels of the same car, have very different car insurance rates, and insurance companies can charge a wide range of costs. Get quotes to compare the cost of insurance before you buy a new car in order to avoid insurance sticker shock when insuring your new car.
• Make your policy cheaper by raising deductibles. Increasing your 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.
• Remove optional coverage on older vehicles. Removing comprehensive and/or collision coverage from vehicles that are older will trim the cost significantly.