Compare California, KY Car Insurance Rates (2021)

Car insurance in California, KY averages $319 a month. California, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap California car insurance rates, compare quotes from the top car insurance companies in California, 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 California, KY after a DUI are $4,587/year
  • Average car insurance rates in California, KY are $3,833/year
  • The cheapest car insurance company in California is USAA

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

You’ll find California car insurance rates, the cheapest California, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare California, Kentucky car insurance rates to Frankfort car insurance rates, Richmond car insurance rates, and Owensboro car insurance rates.

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

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

How do age, gender, and marital status affect California, KY car insurance rates? Every California, 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 California, 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 $3,052 $3,012 $2,766 $2,949 $11,586 $13,028 $3,363 $3,545
GEICO $3,156 $2,920 $3,304 $2,992 $6,546 $7,739 $2,573 $2,217
Liberty Mutual $2,517 $2,725 $2,148 $2,396 $10,209 $11,279 $2,631 $2,734
Nationwide $2,572 $2,570 $2,336 $2,431 $5,699 $7,063 $2,908 $3,044
Progressive $1,826 $1,732 $1,646 $1,648 $9,046 $10,242 $2,263 $2,316
State Farm $1,557 $1,557 $1,397 $1,397 $4,701 $5,964 $1,740 $1,938
Travelers $1,852 $1,883 $1,829 $1,829 $8,816 $14,063 $1,942 $2,220
USAA $1,649 $1,641 $1,497 $1,508 $4,533 $4,755 $2,072 $2,253

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Minimum Car Insurance in California, KY

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

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

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

Annual Car Insurance Rates by Credit Score in California, Kentucky

Insurance Company Poor Fair Good
Allstate $7,151 $4,958 $4,129
GEICO $6,463 $3,227 $2,102
Liberty Mutual $6,534 $4,024 $3,183
Nationwide $4,327 $3,424 $2,983
Progressive $4,272 $3,747 $3,501
State Farm $3,661 $2,210 $1,723
Travelers $4,792 $4,068 $4,053
USAA $3,677 $2,084 $1,705

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

Annual California, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,469 $5,858 $6,268 $5,057
GEICO $2,346 $4,168 $6,335 $2,874
Liberty Mutual $3,827 $5,865 $4,567 $4,062
Nationwide $2,872 $3,676 $4,615 $3,149
Progressive $3,177 $4,704 $3,623 $3,856
State Farm $2,310 $2,753 $2,531 $2,531
Travelers $3,755 $3,861 $5,576 $4,024
USAA $1,873 $2,645 $3,177 $2,259

Cheapest California, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in California, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,586 $13,028
GEICO $6,546 $7,739
Liberty Mutual $10,209 $11,279
Nationwide $5,699 $7,063
Progressive $9,046 $10,242
State Farm $4,701 $5,964
Travelers $8,816 $14,063
USAA $4,533 $4,755

Cheapest California, KY Car Insurance for Seniors

Take a look at California, 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 California, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,766 $2,949
GEICO $3,304 $2,992
Liberty Mutual $2,148 $2,396
Nationwide $2,336 $2,431
Progressive $1,646 $1,648
State Farm $1,397 $1,397
Travelers $1,829 $1,829
USAA $1,497 $1,508

Cheapest California, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in California, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,268
GEICO $6,335
Liberty Mutual $4,567
Nationwide $4,615
Progressive $3,623
State Farm $2,531
Travelers $5,576
USAA $3,177

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Cheapest California, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in California, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,413 $5,413
GEICO $3,894 $3,968
Liberty Mutual $4,580 $4,580
Nationwide $3,578 $3,578
Progressive $3,840 $3,840
State Farm $2,467 $2,595
Travelers $4,304 $4,304
USAA $2,398 $2,579

The Best Cheap Car Insurance Companies in California, KY

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

Average Annual Car Insurance Rates by Company in California, Kentucky

Insurance Company Average Annual Rates
Allstate $5,413
GEICO $3,931
Liberty Mutual $4,580
Nationwide $3,578
Progressive $3,840
State Farm $2,531
Travelers $4,304
USAA $2,489

Category Winners: Cheapest Car Insurance in California, Kentucky

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

Best Annual Car Insurance Rates by Company in California, 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 California, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in California, Kentucky

Insurance Company Low Medium High
Allstate $5,035 $5,392 $5,812
GEICO $3,674 $3,916 $4,203
Liberty Mutual $4,379 $4,553 $4,808
Nationwide $3,592 $3,541 $3,601
Progressive $3,555 $3,800 $4,164
State Farm $2,367 $2,531 $2,697
Travelers $4,088 $4,328 $4,497
USAA $2,369 $2,483 $2,613

What affects car insurance rates in California, Kentucky?

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

Commute Time in California

The more time you spend in your car the higher the risk of an accident. The average commute length in California, KY is 21.1 minutes according to City-Data.

Compare Car Insurance Quotes in California, KY

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

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