Compare Bardstown, KY Car Insurance Rates (2021)

Car insurance in Bardstown, KY averages $382 a month. Bardstown, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bardstown car insurance rates, compare quotes from the top car insurance companies in Bardstown, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Bardstown, KY are $4,583/year
  • The cheapest car insurance company in Bardstown is USAA
  • Average car insurance rates in Bardstown, KY after a DUI are $5,533/year

If you need to buy Bardstown, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Bardstown, KY is right here.

You’ll find Bardstown car insurance rates, the cheapest Bardstown, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Bardstown, Kentucky car insurance rates to Henderson car insurance rates, Frankfort car insurance rates, and Independence car insurance rates.

Ready to find affordable Bardstown, KY car insurance today? Enter your ZIP code for fast, free Bardstown car insurance quotes.

Cheapest Bardstown, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bardstown, KY car insurance rates? Every Bardstown, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bardstown, 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 $3,345 $3,300 $3,042 $3,244 $12,759 $14,335 $3,669 $3,855
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $2,820 $3,057 $2,403 $2,687 $11,581 $12,809 $2,941 $3,051
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,149 $2,038 $1,934 $1,943 $10,554 $11,920 $2,661 $2,704
State Farm $1,897 $1,897 $1,687 $1,687 $5,584 $7,086 $2,117 $2,363
Travelers $2,282 $2,321 $2,255 $2,257 $11,247 $18,067 $2,394 $2,740
USAA $1,914 $1,916 $1,731 $1,759 $5,109 $5,375 $2,413 $2,639

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Minimum Car Insurance in Bardstown, KY

Every driver must carry the minimum car insurance in Bardstown, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Bardstown, 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

Cheapest Bardstown, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bardstown, KY. Compare credit history car insurance rates in Bardstown from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bardstown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,873 $5,438 $4,520
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,389 $4,537 $3,580
Nationwide $5,732 $4,513 $3,919
Progressive $5,007 $4,375 $4,080
State Farm $4,403 $2,652 $2,065
Travelers $6,065 $5,144 $5,126
USAA $4,248 $2,382 $1,942

Cheapest Bardstown, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bardstown, KY to rates for a clean record with top companies.

Annual Bardstown, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,908 $6,430 $6,882 $5,554
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,311 $6,630 $5,153 $4,581
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,710 $5,506 $4,230 $4,505
State Farm $2,784 $3,296 $3,040 $3,040
Travelers $4,743 $4,877 $7,077 $5,085
USAA $2,155 $3,044 $3,636 $2,594

Cheapest Bardstown, KY Car Insurance for Teen Drivers

Teen car insurance in Bardstown, KY can be expensive. Take a look at rates from the top car insurance companies in Bardstown for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bardstown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,759 $14,335
GEICO $8,260 $9,795
Liberty Mutual $11,581 $12,809
Nationwide $7,618 $9,461
Progressive $10,554 $11,920
State Farm $5,584 $7,086
Travelers $11,247 $18,067
USAA $5,109 $5,375

Cheapest Bardstown, KY Car Insurance for Seniors

Take a look at Bardstown, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bardstown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,042 $3,244
GEICO $4,219 $3,821
Liberty Mutual $2,403 $2,687
Nationwide $3,031 $3,157
Progressive $1,934 $1,943
State Farm $1,687 $1,687
Travelers $2,255 $2,257
USAA $1,731 $1,759

Cheapest Bardstown, KY Car Insurance Rates After a DUI

A DUI in Bardstown, KY increases car insurance rates. Compare Bardstown, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bardstown, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,882
GEICO $8,093
Liberty Mutual $5,153
Nationwide $6,153
Progressive $4,230
State Farm $3,040
Travelers $7,077
USAA $3,636

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Cheapest Bardstown, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bardstown, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bardstown, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,944 $5,944
GEICO $4,955 $5,049
Liberty Mutual $5,169 $5,169
Nationwide $4,721 $4,721
Progressive $4,488 $4,488
State Farm $2,965 $3,115
Travelers $5,445 $5,445
USAA $2,750 $2,964

The Best Cheap Car Insurance Companies in Bardstown, KY

Take a look at a side-by-side comparison of the top car insurance companies in Bardstown, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bardstown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,944
GEICO $5,002
Liberty Mutual $5,169
Nationwide $4,721
Progressive $4,488
State Farm $3,040
Travelers $5,445
USAA $2,857

Category Winners: Cheapest Car Insurance in Bardstown, Kentucky

Find the cheapest car insurance companies in Bardstown, KY for each category right here.

Best Annual Car Insurance Rates by Company in Bardstown, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Bardstown, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bardstown car insurance rates. Find the cheapest Bardstown, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bardstown, Kentucky

Insurance Company Low Medium High
Allstate $5,452 $5,917 $6,463
GEICO $4,666 $4,987 $5,353
Liberty Mutual $4,906 $5,134 $5,466
Nationwide $4,750 $4,668 $4,746
Progressive $4,119 $4,428 $4,917
State Farm $2,870 $3,039 $3,210
Travelers $5,159 $5,472 $5,705
USAA $2,719 $2,850 $3,002

What affects car insurance rates in Bardstown, Kentucky?

What factors can have an impact on Bardstown, KY car insurance? There are several reasons why Bardstown car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bardstown, Kentucky.

Commute Time in Bardstown

The more time you spend in your car the higher the risk of an accident. The average commute length in Bardstown, KY is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Bardstown, KY

Ready to find affordable Bardstown, Kentucky car insurance today? Enter your ZIP code for fast, free Bardstown, KY car insurance quotes.

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