Named after a famous Indian chief, the city of Paducah has more than 24,000 residents and is a relatively safe place to drive in Kentucky. Today, we’ll be digging into the available auto insurance in Paducah, K.Y. to find the best coverage, price point, and customer experience.
Our review team conducted research to find the best car insurance companies in the country. In this guide, we discuss which of these 12 providers is right for Paducah drivers. In any case, we recommend getting several auto insurance quotes before you make your decision. To get started, fill out the form above and see what’s available in your state. Or, give our team a call at (844) 246-8209.
Who Offers The Best Auto Insurance In Paducah, K.Y.?
Finding the best auto insurance for Paducah, K.Y. requires looking at several factors. Sure, we all want to save money, but the cost can’t be the only factor. After all, you can go with the cheapest auto insurance in Kentucky, but will your claims be paid promptly?
That’s why we evaluate car insurance coverage by various factors. Looking at our top provider research will show which companies we find to be the best, but is it the same in Kentucky? Let’s look closer at the data.
We will rank the top four options, based on our overall star rating, average cost, financial strength, J.D. Power Claims Servicing Score, and additional benefits.
Here is our breakdown of the top auto insurance providers in Paducah, Kentucky.
|Best Paducah, K.Y. Auto Insurance||Our Overall Rating||Customer Service||Affordability||Coverage|
|1. Geico Car Insurance||4.6||4.5||4.7||4.3|
|2. State Farm Car Insurance||4.6||4.6||4.5||4.5|
|3. USAA Car Insurance||4.8||4.7||5||4.8|
|4. Allstate Car Insurance||4.2||4.2||3.3||4.5|
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for auto insurance in Paducah, Kentucky.
#1 Geico Insurance: Best Overall For Paducah
With over 13 percent of the market share in the auto insurance industry in 2019, Geico is one of the largest insurance companies in the United States. The insurer is also our pick for the best overall provider. Geico received a 4.6-star rating in our review for its availability, affordable cost, and excellent customer service. The company holds an A++ financial strength rating from AM Best, which means that Geico is well-suited to pay claims to members.
In the Consumer Reports study “The Secret Score Behind Your Rates,” which ranked the cost of car insurance by credit score in Kentucky, Geico placed first for Kentucky residents with “Excellent,” “Good,” and “Poor” credit scores.
To learn more about the car insurance provider, check out our review of Geico car insurance.
#2 State Farm: Best For Students And Teens
Another top provider for auto insurance in Paducah, Kentucky is State Farm. The provider excels in insuring students with a wide variety of discounts including the Steer Clear program, which encourages safe driving for drivers under 25 years old. There’s also the standout Drive Safe & Save program that monitors your driving habits via an app to help you save on car insurance.
If you’re looking for high liability coverage limits, State Farm has you protected with coverage up to 500/500/500, which is more than enough to meet Kentucky auto insurance requirements and take care of most expenses in the event of an accident. A few extras from State Farm include rental and travel expense coverage, rideshare coverage, and roadside assistance. The Drive Safe & Save discount with State Farm uses data acquired from an app on your phone about your driving habits to determine savings.
To learn more about the car insurance provider, check out our review of State Farm auto insurance.
#3 USAA Insurance: Best For Military In Paducah
Based in San Antonio, USAA stands for United Services Automobile Association. Serving military members and their families, USAA was founded in 1922. USAA received a 4.8-star rating from our review team for its excellent claims servicing, availability, and cost, and it only came in second to Geico because USAA is not available to all drivers.
In the same Consumer Reports study, USAA placed second in cost for Kentucky residents with “Excellent” and “Good” credit scores. The provider also placed third for Kentucky residents with “Poor” credit scores, making it a good all-around choice for car insurance in Paducah, K.Y.
Once someone becomes a USAA member and purchases either homeowners insurance or car insurance, eligibility can spread throughout an entire family. The three groups of people below are all eligible for a membership with USAA.
- U.S. military members who are active, retired, honorably separated, or enlisted
- Candidates in commissioning programs like Reserve Officers’ Training Corps (ROTC), Academy, Officer Candidate School (OCS), or Officer Training School (OTS)
- Spouses and children of USAA members or those who have had an auto or home policy
To learn more about the car insurance provider, check out our review of USAA car insurance.
#4 Allstate Insurance: Best For Working With A Local Agent
Now one of the largest publicly held personal property and casualty insurance companies in the United States, Allstate serves more than 16 million American households. But unlike some other national car insurance companies, Allstate car insurance works through a network of local agents to provide coverage.
Allstate has a Superior financial strength rating with AM Best and an A+ rating with the BBB. In addition to these basic types of coverage, Allstate auto insurance offers:
- Rideshare insurance
- Classic car insurance
- Travel insurance to and from Mexico
- Custom parts coverage
There are a number of ways to get discounted rates for your Allstate car insurance, including bundling with other policies like Allstate motorcycle insurance, home insurance, renters insurance, and more. Other discounts include:
- New car discounts for the first owners of a vehicle
- Multi-car and multiple-policy discounts for customers who bundle home and auto insurance policies
- Student discounts for drivers under 25
- Anti-lock brake and anti-theft discounts for equipped cars
- Early signing discounts for policyholders who sign early
- EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
- Allstate eSmart® discounts for policyholders who go paperless
- FullPay® discounts for customers who pay their full premium at one time
- Safe driving discounts for policyholders who meet safe driver requirements
To learn more about the car insurance provider, check out our review of Allstate car insurance.
Minimum Requirements For Auto Insurance: Paducah, K.Y.
Before you buy auto insurance in Paducah, K.Y., it is helpful to know what the minimum required level of coverage is in this city. Each state in the country regulates its own auto insurance laws. Here are the minimum requirements for Kentucky car insurance:
|Insurance Type||Required Coverage Amount|
|Bodily injury liability||$25,000 per person and $50,000 per accident|
|Property damage liability||$25,000 per accident|
What Is A No-Fault State?
Kentucky is one of only 12 states with no-fault insurance, which means that your own auto insurance company will pay out some or all of the medical claims for an accident, regardless of who is at fault. In most states, claims are paid solely through the at-fault driver’s insurance company.
No-fault car insurance applies only to car accident injuries. For vehicle damage or property damage resulting from a car accident, you’re typically free to pursue a claim against the at-fault driver. The cost of auto insurance in no-fault states is typically higher for the average citizen because car insurance companies cannot base insurance rates on an individual driver’s risk level as easily in these states.
What Do Kentucky’s Minimum Requirements Cover?
Property damage liability is a type of liability car insurance that covers an at-fault driver for damage done to another party’s property. Bodily injury liability is another type of liability insurance that covers an at-fault driver for medical expenses and lost wages owed to another individual.
These types of liability insurance will not cover your own injuries or vehicle if you cause an accident, so it’s smart to get more than the minimum required car insurance in Paducah, K.Y.
What Is The Average Cost Of Auto Insurance In Kentucky?
According to the Insurance Information Institute, the average cost of Kentucky car insurance in 2017 was $896.33 per year. Kentucky falls in the middle of the U.S. in terms of average insurance cost, ranking 26th.
The cost of your own auto insurance will depend on several factors, including your age, vehicle make and model, gender, and driving experience. Here’s a look at what drivers paid for liability, collision, and comprehensive insurance on average in 2017, according to the National Association of Insurance Commissioners (NAIC):
|Type of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
How Much Auto Insurance Do You Need in Paducah, K.Y.?
No matter where you live, we recommend purchasing full coverage car insurance for maximum protection of your financial assets. Full coverage consists of comprehensive car insurance, collision insurance, and liability car insurance.
Data from Geotab revealed that Kentucky ranks 31st among U.S. states in terms of the number of accidents. As such, if you’d like a lower monthly auto insurance premium, you might consider asking your insurance company for a higher deductible on collision coverage. However, if you are a frequent driver, this might not be a good idea as frequency of driving increases your risk of an accident.
Final Thoughts On Auto Insurance In Paducah, K.Y.
Geico, State Farm, USAA, and Allstate have some of the best auto insurance in Paducah, K.Y. That being said, whenever you shop for car insurance, always remember to get quotes from a few providers so you can compare coverage and rates. Along with the insurance company you choose, things like your age, vehicle make and model, and driving history can affect your premium.
Use the tool below or call (844) 246-8209 to start comparing personalized car insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.