Mayfield drivers pay an average of $2,167/year — $396 more than the national average. With 125 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $391/year.
(888) 217-6781Estimated full coverage auto insurance rates for Mayfield, KY from top carriers. Rates are adjusted for Mayfield's 125 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $822 | $137/mo |
| Kentucky Farm Bureau | $845 | $141/mo |
| Progressive | $922 | $154/mo |
| State Farm | $1,011 | $169/mo |
| Allstate | $1,234 | $206/mo |
Estimates based on 2026 rate filings for ZIP 42066. GEICO is cheapest at ~$137/mo. Actual rates vary by driver profile and exact Mayfield location.
These Mayfield-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Mayfield, KY. Takes under 2 minutes.
(888) 217-6781Mayfield is a smaller city in Kentucky with a population of 10,017. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as severe thunderstorms, flooding, ice storms, tornadoes, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Mayfield.
For official Kentucky insurance regulations, visit the Kentucky Department of Insurance. For driver licensing, see the Kentucky Transportation Cabinet.
Your specific ZIP code within Mayfield can swing your premium by hundreds of dollars. Here's how rates compare across Mayfield neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 42072 | Mayfield South Side | $2,058/yr | $172/mo |
| 42071 | Mayfield North Side | $2,090/yr | $174/mo |
| 42078 | Mayfield West Side | $2,108/yr | $176/mo |
| 42068 | Mayfield East Side | $2,219/yr | $185/mo |
| 42066 | Mayfield Downtown/Central | $2,342/yr | $195/mo |
The cheapest ZIP is 42072 (Mayfield South Side) at $2,058/yr. The most expensive is 42066 (Mayfield Downtown/Central) at $2,342/yr — a $284/year difference for the same driver.
Your Mayfield ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Mayfield. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,551/yr | $379/mo | +110% vs avg |
| Young Adult (20-25) | $3,034/yr | $253/mo | +40% vs avg |
| Adult (26-35) | $2,167/yr | $181/mo | 0% vs avg |
| Mid-Career (36-50) | $1,907/yr | $159/mo | -12% vs avg |
| Senior (51-65) | $1,799/yr | $150/mo | -17% vs avg |
| 65+ | $1,929/yr | $161/mo | -11% vs avg |
Teens in Mayfield pay an average of $4,551/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,799/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Kentucky cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Mayfield drivers can save up to $391/year. ZIP 42072 (Mayfield South Side) has the lowest rates starting at $2,058/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes