Affordable Car Insurance Rates in Stanford, KY (2024)
Car insurance rates in Stanford, KY are $384/month on average. By law, Kentucky drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Stanford car insurance companies to get the coverage you need at the best rates available.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Stanford after a DUI is State Farm
- Average car insurance rates in Stanford, KY are $384/month
- Average car insurance rates in Stanford, KY for senior drivers are $2,547/year
Average car insurance rates in Stanford, Kentucky are $384 a month. But with a little research you can get a great deal from the top car insurance companies in Stanford, KY. Before you buy Stanford, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.
It may even be helpful to compare Stanford car insurance rates with Covington car insurance rates, Richmond car insurance rates, or Henderson car insurance rates to make sure you’re getting the best Stanford, KY car insurance quotes available.
Need affordable Stanford, KY car insurance? Enter your ZIP code to compare Stanford car insurance quotes from multiple car insurance companies near you.
Stanford, KY Minimum Car Insurance Coverage
Stanford, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
Minimum Required Car Insurance Coverage in Stanford, Kentucky
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Stanford, KY Car Insurance Rates by Coverage Level
Some Stanford drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Stanford, Kentucky car insurance rates may be based on the coverage you need.
Annual Car Insurance Rates by Coverage Level in Stanford, Kentucky
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,190 | $5,572 | $6,022 |
| Geico | $4,439 | $4,761 | $5,108 |
| Liberty Mutual | $4,621 | $4,823 | $5,114 |
| Nationwide | $5,017 | $4,889 | $4,942 |
| Progressive | $4,259 | $4,573 | $5,084 |
| State Farm | $2,777 | $2,964 | $3,163 |
| Travelers | $5,637 | $5,935 | $6,146 |
| USAA | $2,998 | $3,137 | $3,299 |
Stanford, KY Car Insurance Rates by Age, Gender, and Marital Status
Stanford, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Stanford, KY car insurance, get quotes from multiple car insurance companies in the Stanford area and see how these criteria affect your rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Stanford, Kentucky
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,171 | $3,131 | $2,871 | $3,061 | $11,936 | $13,400 | $3,497 | $3,689 |
| Geico | $3,825 | $3,540 | $4,003 | $3,626 | $7,942 | $9,404 | $3,123 | $2,691 |
| Liberty Mutual | $2,560 | $2,769 | $2,168 | $2,420 | $11,126 | $12,315 | $2,676 | $2,784 |
| Nationwide | $3,534 | $3,521 | $3,188 | $3,325 | $7,948 | $9,875 | $4,012 | $4,192 |
| Progressive | $2,206 | $2,091 | $1,987 | $1,991 | $10,930 | $12,380 | $2,736 | $2,790 |
| State Farm | $1,873 | $1,873 | $1,671 | $1,671 | $5,401 | $6,856 | $2,086 | $2,314 |
| Travelers | $2,543 | $2,592 | $2,484 | $2,491 | $12,066 | $19,320 | $2,653 | $3,100 |
| USAA | $2,085 | $2,080 | $1,884 | $1,906 | $5,707 | $5,992 | $2,630 | $2,871 |
Stanford, KY Car Insurance Rates for Teens
How much is Stanford, Kentucky car insurance for teens? Compare rates from top Stanford car insurance companies below to help find the cheapest teen car insurance in Stanford, KY.
Annual Car Insurance Rates for Teen Drivers in Stanford, Kentucky
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,936 | $13,400 |
| Geico | $7,942 | $9,404 |
| Liberty Mutual | $11,126 | $12,315 |
| Nationwide | $7,948 | $9,875 |
| Progressive | $10,930 | $12,380 |
| State Farm | $5,401 | $6,856 |
| Travelers | $12,066 | $19,320 |
| USAA | $5,707 | $5,992 |
Stanford, KY Car Insurance Rates for Seniors
Before seniors buy Stanford, Kentucky car insurance, they should make sure to shop around. Some Stanford, KY car insurance companies may offer discounts or other savings options for senior car insurance.
Annual Car Insurance Rates for Senior Drivers in Stanford, Kentucky
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,871 | $3,061 |
| Geico | $4,003 | $3,626 |
| Liberty Mutual | $2,168 | $2,420 |
| Nationwide | $3,188 | $3,325 |
| Progressive | $1,987 | $1,991 |
| State Farm | $1,671 | $1,671 |
| Travelers | $2,484 | $2,491 |
| USAA | $1,884 | $1,906 |
Stanford, KY Car Insurance Rates by Credit History
How does your credit history affect Stanford, KY car insurance rates? Review the numbers here to find out.
Annual Car Insurance Rates by Credit Score in Stanford, Kentucky
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,403 | $5,119 | $4,261 |
| Geico | $7,842 | $3,915 | $2,550 |
| Liberty Mutual | $6,922 | $4,270 | $3,365 |
| Nationwide | $6,028 | $4,724 | $4,097 |
| Progressive | $5,172 | $4,524 | $4,221 |
| State Farm | $4,279 | $2,595 | $2,031 |
| Travelers | $6,601 | $5,571 | $5,547 |
| USAA | $4,670 | $2,624 | $2,139 |
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Stanford, KY Car Insurance Rates by Driver History
How does a single speeding ticket affect your Stanford, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Stanford.
Annual Stanford, Kentucky Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,625 | $6,054 | $6,472 | $5,228 |
| Geico | $2,834 | $5,055 | $7,717 | $3,472 |
| Liberty Mutual | $4,041 | $6,229 | $4,841 | $4,298 |
| Nationwide | $3,914 | $5,093 | $6,470 | $4,320 |
| Progressive | $3,834 | $5,693 | $4,372 | $4,657 |
| State Farm | $2,724 | $3,213 | $2,968 | $2,968 |
| Travelers | $5,147 | $5,299 | $7,652 | $5,526 |
| USAA | $2,363 | $3,346 | $4,020 | $2,849 |
Stanford, KY Car Insurance Rates With a DUI
Even a single DUI can increase your Stanford, KY car insurance rates. Compare rates below to see which Stanford car insurance company has the best rates for drivers with a DUI.
Annual Car Insurance Rates After a DUI in Stanford, Kentucky
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,472 |
| Geico | $7,717 |
| Liberty Mutual | $4,841 |
| Nationwide | $6,470 |
| Progressive | $4,372 |
| State Farm | $2,968 |
| Travelers | $7,652 |
| USAA | $4,020 |
Stanford, KY Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Stanford, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Stanford companies based on commute time.
Annual Car Insurance Rates by Commute Length in Stanford, Kentucky
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,595 | $5,595 |
| Geico | $4,724 | $4,814 |
| Liberty Mutual | $4,852 | $4,852 |
| Nationwide | $4,949 | $4,949 |
| Progressive | $4,639 | $4,639 |
| State Farm | $2,895 | $3,042 |
| Travelers | $5,906 | $5,906 |
| USAA | $3,029 | $3,260 |
Stanford, KY Cheapest Car Insurance Rates
How do the top Stanford, Kentucky car insurance companies’ average rates stack up against the Stanford average monthly car insurance rates of $384? Take a look and see.
Best Annual Car Insurance Rates by Company in Stanford, Kentucky
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Stanford, KY Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Stanford, Kentucky car insurance companies to help you find one that best fits your needs.
Average Annual Car Insurance Rates by Company in Stanford, Kentucky
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,595 |
| Geico | $4,769 |
| Liberty Mutual | $4,852 |
| Nationwide | $4,949 |
| Progressive | $4,639 |
| State Farm | $2,968 |
| Travelers | $5,906 |
| USAA | $3,145 |
Other Factors Affecting Stanford, KY Car Insurance Rates
Before you buy Stanford, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Stanford, KY Commute Time
How does your Stanford, KY commute time compare with the average driver? In Stanford, the average commute is 27.2 minutes.
Stanford, KY Car Insurance Quotes
Compare Stanford, KY car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.