Key Insurance Review & Ratings (2023)
The Key Insurance company was founded in 2007 and provides insurance for drivers residing in Oklahoma, Alabama, Nevada, Arizona, and Kansas. Very little information is listed on the Key Insurance site, but if you need good car insurance coverage, you can shop online to compare multiple quotes from some of the best companies in the industry.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 21, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 21, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Key Insurance Company only provides car insurance policies
- The Key Insurance Company provides insurance in five states
- You can shop online to find a cheap, reliable insurance company
Driving down the road with the wind in your hair is an incredible feeling, but an even better feeling is the one that comes when you purchase a car insurance policy that can keep you and your vehicle safe. Unfortunately, Key Insurance doesn’t seem to be an insurance company that can instill such a feeling.
The Key Insurance Company provides hardly any information about its insurance products. Of course, if you were to give the Key Insurance phone number a call, you may get more information, but this lack of transparency may be a sign that you should look elsewhere for car insurance.
One of the best things you can do when shopping for insurance is to read insurance reviews, so keep reading this Key Insurance review to learn more about this company and discover how to reduce your rates.
As you read more about Key Insurance, you can enter your ZIP code to receive free insurance quotes from companies in your area and find the best policy for you.
Who is the Key Insurance Company?
The company’s relatively young age makes its lack of an online pay feature or a Key Insurance login all the more shocking. The Key Insurance head office is located in Kansas, but this company also provides coverage outside the state.
If you live in these states, you can reach out to get Key Insurance quotes:
- Alabama
- Arizona
- Kansas
- Nevada
- Oklahoma
The type of coverages that are available in these states is unknown as the Key Insurance website doesn’t share that information. To learn what types of coverage may be available through this company, you’ll need to reach out to a Key Insurance customer service representative directly.
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Are Key Insurance rates reasonable?
There is no quote tool or pricing information provided by this company. However, if you would like to know what the average rates for insurance are in your state, you can review the data table below:
| State | Average by State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $3,566.96 | $3,311.52 | - | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Alaska | $3,421.51 | $3,145.31 | $4,153.07 | - | $2,879.96 | $5,295.55 | - | $3,062.85 | $2,228.12 | - | $2,454.21 |
| Arizona | $3,770.97 | $4,904.10 | - | $5,000.08 | $2,264.71 | - | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| Arkansas | $4,124.98 | $5,150.03 | - | $4,257.87 | $3,484.63 | - | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| California | $3,688.93 | $4,532.96 | - | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $3,876.39 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | - | $3,338.87 |
| Connecticut | $4,618.92 | $5,831.60 | - | - | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| Delaware | $5,986.32 | $6,316.06 | - | - | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| District of Columbia | $4,439.24 | $6,468.92 | - | - | $3,692.81 | - | $4,848.98 | $4,970.26 | $4,074.05 | - | $2,580.44 |
| Florida | $4,680.46 | $7,440.46 | - | - | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | - | $2,850.41 |
| Georgia | $4,966.83 | $4,210.70 | - | - | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | - | $3,157.46 |
| Hawaii | $2,555.64 | $2,173.49 | - | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | - | $1,189.35 |
| Idaho | $2,979.09 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | - | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $3,305.48 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,414.97 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | - | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Iowa | $2,981.28 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Kansas | $3,279.62 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $5,195.40 | $7,143.92 | - | - | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,711.34 | $5,998.79 | - | - | $6,154.60 | - | - | $7,471.10 | $4,579.12 | - | $4,353.12 |
| Maine | $2,953.28 | $3,675.59 | - | $2,770.15 | $2,823.05 | $4,331.39 | - | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $4,582.70 | $5,233.17 | - | - | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | - | $2,744.14 |
| Massachusetts | $2,678.85 | $2,708.53 | - | - | $1,510.17 | $4,339.35 | - | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Median | $3,660.89 | $4,532.96 | $3,698.77 | $3,907.99 | $3,073.66 | $5,295.55 | $3,187.20 | $3,935.36 | $2,731.48 | $3,729.32 | $2,489.49 |
| Michigan | $10,498.64 | $22,902.59 | - | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,403.25 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | - | $2,066.99 | - | $2,861.60 |
| Mississippi | $3,664.57 | $4,942.11 | - | - | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Missouri | $3,328.93 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | - | $2,525.78 |
| Montana | $3,220.84 | $4,672.10 | - | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | - | $2,031.89 |
| Nebraska | $3,283.68 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | - | $2,330.78 |
| Nevada | $4,861.70 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New Hampshire | $3,151.77 | $2,725.01 | - | - | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | - | $1,906.96 |
| New Jersey | $5,515.21 | $5,713.58 | - | $7,617.00 | $2,754.94 | $6,766.62 | - | $3,972.72 | $7,527.16 | $4,254.49 | - |
| New Mexico | $3,463.64 | $4,200.65 | - | $4,315.53 | $4,458.30 | - | $3,514.38 | $3,119.18 | $2,340.66 | - | $2,296.77 |
| New York | $4,289.88 | $4,740.97 | - | - | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| North Carolina | $3,393.11 | $7,190.43 | - | - | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | - |
| North Dakota | $4,165.84 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | - | $2,006.80 |
| Ohio | $2,709.71 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $4,142.33 | $3,718.62 | - | $4,142.40 | $3,437.34 | $6,874.62 | - | $4,832.35 | $2,816.80 | - | $3,174.15 |
| Oregon | $3,467.77 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $4,034.50 | $3,984.12 | - | - | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $5,003.36 | $4,959.45 | - | - | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,781.14 | $3,903.43 | - | $4,691.85 | $3,178.01 | - | $3,625.49 | $4,573.08 | $3,071.34 | - | $3,424.77 |
| South Dakota | $3,982.27 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | - | - |
| Tennessee | $3,660.89 | $4,828.85 | - | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $4,043.28 | $5,485.44 | $4,848.72 | - | $3,263.28 | - | $3,867.55 | $4,664.69 | $2,879.94 | - | $2,487.89 |
| Utah | $3,611.89 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | - | $2,491.10 |
| Vermont | $3,234.13 | $3,190.38 | - | - | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | - | $1,903.55 |
| Virginia | $2,357.87 | $3,386.80 | - | - | $2,061.53 | - | $2,073.00 | $2,498.58 | $2,268.95 | - | $1,858.38 |
| Washington | $3,059.32 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | - | $2,262.16 |
| West Virginia | $2,595.36 | $3,820.68 | - | - | $2,120.80 | $2,924.39 | - | - | $2,126.32 | - | $1,984.62 |
| Wisconsin | $3,606.06 | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | - | $2,975.74 |
| Wyoming | $3,200.08 | $4,373.93 | - | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | - | $2,779.53 |
As you can see, where you live can play a large role in influencing your insurance rates, but other factors, like your preferred coverage amount, your driving record, and your age, can also play a part in determining how much you could pay for insurance.
Does Key Insurance offer discounts?
The only product that Key Insurance offers is car insurance, so there is no chance of bundling policies, and there is so little information present on the site that it is hard to say what discounts may be offered through Key Insurance. However, as you shop for a reliable car insurance company, you can use the data table below to help you find car insurance companies that offer many discounts to their drivers.
| Auto Insurance Discounts | Allstate (%) | American Family (%) | Farmers (%) | Geico (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Adaptive Headlights | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Anti-lock Brakes | ✗ | ✗ | ✗ | 5 | 5 | 5 | ✗ | 5 | ✗ | ✗ |
| Anti-Theft | ✗ | ✗ | ✗ | 25 | 20 | 25 | ✗ | 15 | ✗ | ✗ |
| Claim Free | ✗ | ✗ | ✗ | 26 | ✗ | 10 | ✗ | 15 | 23 | 12 |
| Continuous Coverage | ✗ | ✗ | ✗ | ✗ | N/A | N/A | ✗ | N/A | 15 | N/A |
| Daytime Running Lights | ✗ | ✗ | ✗ | 1 | 5 | 5 | ✗ | N/A | ✗ | ✗ |
| Defensive Driver | ✗ | ✗ | ✗ | ✗ | 10 | 5 | 10 | 5 | 10 | 3 |
| Distant Student | ✗ | ✗ | ✗ | ✗ | N/A | 10 | ✗ | ✗ | 7 | x |
| Driver's Ed | ✗ | ✗ | ✗ | ✗ | 10 | N/A | 10 | 15 | 8 | 3 |
| Driving Device/App | ✗ | ✗ | N/A | ✗ | 30 | 40 | 20 | 50 | 30 | 5 |
| Early Signing | ✗ | ✗ | ✗ | ✗ | N/A | 8 | ✗ | N/A | 10 | 12 |
| Electronic Stability Control | ✗ | ✗ | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
| Engaged Couple | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Family Legacy | N/A | ✗ | N/A | ✗ | N/A | N/A | ✗ | N/A | N/A | 10 |
| Family Plan | N/A | ✗ | ✗ | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
| Farm Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Fast 5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Federal Employee | N/A | N/A | ✗ | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
| Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Full Payment | N/A | ✗ | ✗ | ✗ | $5 | N/A | ✗ | N/A | 7.5 | N/A |
| Further Education | N/A | N/A | N/A | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| Garaging/Storing | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | ✗ | 90 |
| Good Credit | ✗ | ✗ | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A |
| Good Student | ✗ | ✗ | ✗ | 15 | 22.5 | 10 | ✗ | 25 | 8 | 3 |
| Green Vehicle | ✗ | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
| Homeowner | N/A | N/A | ✗ | ✗ | ✗ | 5 | ✗ | 3 | 5 | N/A |
| Lane Departure Warning | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A | N/A |
| Life Insurance | ✗ | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A |
| Low Mileage | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | 30 | ✗ | ✗ |
| Loyalty | N/A | ✗ | N/A | ✗ | N/A | 5 | ✗ | N/A | N/A | ✗ |
| Married | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | ✗ | N/A | ✗ |
| Membership/Group | N/A | N/A | N/A | ✗ | 10 | 7 | N/A | N/A | ✗ | N/A |
| Military | ✗ | N/A | ✗ | 15 | 4 | N/A | N/A | ✗ | N/A | ✗ |
| Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
| Multiple Drivers | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Multiple Policies | 10 | 29 | ✗ | 10 | 20 | 10 | 12 | 17 | 13 | ✗ |
| Multiple Vehicles | ✗ | ✗ | ✗ | 25 | 10 | 20 | 10 | 20 | 8 | ✗ |
| New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| New Customer/New Plan | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A |
| New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newer Vehicle | ✗ | N/A | ✗ | ✗ | N/A | ✗ | ✗ | 40 | 10 | 12 |
| Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Non-Smoker/Non-Drinker | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Occupation | ✗ | N/A | ✗ | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| On-Time Payments | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
| Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
| Paperless Documents | ✗ | ✗ | ✗ | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
| Paperless/Auto Billing | ✗ | ✗ | ✗ | N/A | ✗ | $30 | ✗ | $2 | 3 | 3 |
| Passive Restraint | ✗ | ✗ | ✗ | 40 | ✗ | 20 | ✗ | 40 | ✗ | ✗ |
| Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
| Renter | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Roadside Assistance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Safe Driver | N/A | N/A | ✗ | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
| Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
| Senior Driver | ✗ | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Stable Residence | N/A | N/A | N/A | N/A | N/A | ✗ | ✗ | N/A | N/A | N/A |
| Students & Alumni | N/A | ✗ | N/A | ✗ | 10 | 7 | N/A | N/A | N/A | N/A |
| Switching Provider | N/A | ✗ | ✗ | N/A | 10 | N/A | ✗ | N/A | N/A | N/A |
| Utility Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Vehicle Recovery | ✗ | ✗ | ✗ | 15 | 35 | 25 | ✗ | 5 | ✗ | ✗ |
| VIN Etching | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | ✗ | ✗ |
| Volunteer | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Young Driver | N/A | N/A | N/A | N/A | ✗ | N/A | ✗ | N/A | N/A | $75 |
This table illustrates that you can obtain a good car insurance policy while maintaining rates that work with your budget. It’s important to remember that just because a policy is cheap, that doesn’t mean that it is good.
What You Need to Know About Key Insurance
Unfortunately, there doesn’t appear to be much to say about Key Insurance except that it may behoove you to look elsewhere for insurance. When you begin shopping for a new policy, you should always get between three to five quotes so you can verify that you are getting the best deal possible.
Now that you’ve read this Key Insurance review, you’re ready to start shopping for car insurance. Enter your ZIP code to compare free quotes from companies near you.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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