Compare Bedford, KY Car Insurance Rates (2021)

Car insurance in Bedford, KY averages $382 a month. Bedford, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bedford car insurance rates, compare quotes from the top car insurance companies in Bedford, 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 Bedford, KY after a DUI are $5,473/year
  • The cheapest car insurance company in Bedford for teen drivers is USAA
  • The cheapest car insurance company in Bedford is USAA

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

You’ll find Bedford car insurance rates, the cheapest Bedford, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Bedford, Kentucky car insurance rates to Richmond car insurance rates, Henderson car insurance rates, and Bowling Green car insurance rates.

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

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

How do age, gender, and marital status affect Bedford, KY car insurance rates? Every Bedford, 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 Bedford, 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 $3,269 $3,236 $2,948 $3,147 $12,222 $13,734 $3,630 $3,841
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,831 $3,065 $2,380 $2,660 $12,329 $13,664 $2,977 $3,123
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,321 $2,220 $2,073 $2,086 $11,111 $12,587 $2,885 $2,964
State Farm $2,317 $2,317 $2,070 $2,070 $7,067 $8,922 $2,588 $2,917
Travelers $2,171 $2,209 $2,131 $2,132 $10,196 $16,186 $2,272 $2,636
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

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Minimum Car Insurance in Bedford, KY

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

Minimum Required Car Insurance Coverage in Bedford, 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 Bedford, KY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Bedford, Kentucky

Insurance Company Poor Fair Good
Allstate $7,609 $5,264 $4,388
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,689 $4,725 $3,722
Nationwide $5,647 $4,437 $3,858
Progressive $5,353 $4,655 $4,335
State Farm $5,482 $3,299 $2,569
Travelers $5,573 $4,711 $4,690
USAA $4,399 $2,446 $1,988

Cheapest Bedford, 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 Bedford, KY to rates for a clean record with top companies.

Annual Bedford, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,767 $6,227 $6,641 $5,379
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,479 $6,906 $5,367 $4,761
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,956 $5,839 $4,515 $4,813
State Farm $3,449 $4,118 $3,783 $3,783
Travelers $4,349 $4,476 $6,470 $4,672
USAA $2,219 $3,142 $3,746 $2,670

Cheapest Bedford, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bedford, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,222 $13,734
GEICO $7,170 $8,568
Liberty Mutual $12,329 $13,664
Nationwide $7,450 $9,339
Progressive $11,111 $12,587
State Farm $7,067 $8,922
Travelers $10,196 $16,186
USAA $5,206 $5,502

Cheapest Bedford, KY Car Insurance for Seniors

Take a look at Bedford, 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 Bedford, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,948 $3,147
GEICO $3,742 $3,389
Liberty Mutual $2,380 $2,660
Nationwide $2,972 $3,117
Progressive $2,073 $2,086
State Farm $2,070 $2,070
Travelers $2,131 $2,132
USAA $1,779 $1,819

Cheapest Bedford, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bedford, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,641
GEICO $7,199
Liberty Mutual $5,367
Nationwide $6,064
Progressive $4,515
State Farm $3,783
Travelers $6,470
USAA $3,746

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Cheapest Bedford, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bedford, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,754 $5,754
GEICO $4,371 $4,456
Liberty Mutual $5,378 $5,378
Nationwide $4,647 $4,647
Progressive $4,781 $4,781
State Farm $3,693 $3,874
Travelers $4,992 $4,992
USAA $2,835 $3,054

The Best Cheap Car Insurance Companies in Bedford, KY

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

Average Annual Car Insurance Rates by Company in Bedford, Kentucky

Insurance Company Average Annual Rates
Allstate $5,754
GEICO $4,413
Liberty Mutual $5,378
Nationwide $4,647
Progressive $4,781
State Farm $3,783
Travelers $4,992
USAA $2,944

Category Winners: Cheapest Car Insurance in Bedford, Kentucky

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

Best Annual Car Insurance Rates by Company in Bedford, Kentucky

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

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Cheapest Bedford, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bedford, Kentucky

Insurance Company Low Medium High
Allstate $5,367 $5,732 $6,161
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,151 $5,350 $5,634
Nationwide $4,735 $4,596 $4,611
Progressive $4,437 $4,726 $5,179
State Farm $3,597 $3,783 $3,969
Travelers $4,780 $5,021 $5,173
USAA $2,827 $2,938 $3,068

What affects car insurance rates in Bedford, Kentucky?

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

Commute Time in Bedford

The more time you spend in your car the higher the risk of an accident. The average commute length in Bedford, KY is 22.5 minutes according to City-Data.

Traffic in Bedford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bedford, KY traffic data from INRIX ranks Bedford as the 313th-most congested in the world.

Compare Car Insurance Quotes in Bedford, KY

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

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