Compare Cambridge, KY Car Insurance Rates (2021)

Car insurance in Cambridge, KY averages $386 a month. Cambridge, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cambridge car insurance rates, compare quotes from the top car insurance companies in Cambridge, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • The cheapest car insurance company in Cambridge is State Farm
  • Average car insurance rates in Cambridge, KY after a DUI are $5,575/year
  • Average car insurance rates in Cambridge, KY are $4,626/year

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

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

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

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

How do age, gender, and marital status affect Cambridge, KY car insurance rates? Every Cambridge, 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 Cambridge, 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 $3,333 $3,288 $3,029 $3,232 $12,753 $14,332 $3,659 $3,846
GEICO $3,468 $3,207 $3,654 $3,310 $7,561 $8,883 $2,823 $2,416
Liberty Mutual $2,659 $2,876 $2,238 $2,507 $11,699 $12,979 $2,781 $2,896
Nationwide $3,596 $3,570 $3,248 $3,376 $8,253 $10,220 $4,104 $4,280
Progressive $2,340 $2,216 $2,115 $2,119 $11,736 $13,256 $2,899 $2,941
State Farm $1,517 $1,517 $1,357 $1,357 $4,442 $5,666 $1,694 $1,867
Travelers $2,602 $2,646 $2,575 $2,577 $13,141 $21,200 $2,732 $3,122
USAA $1,848 $1,839 $1,685 $1,697 $5,103 $5,348 $2,324 $2,532

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Minimum Car Insurance in Cambridge, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Cambridge, Kentucky

Insurance Company Poor Fair Good
Allstate $7,856 $5,431 $4,515
GEICO $7,262 $3,625 $2,360
Liberty Mutual $7,233 $4,475 $3,530
Nationwide $6,170 $4,859 $4,213
Progressive $5,509 $4,833 $4,517
State Farm $3,509 $2,119 $1,653
Travelers $7,044 $5,975 $5,955
USAA $4,120 $2,347 $1,923

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

Annual Cambridge, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,898 $6,421 $6,873 $5,544
GEICO $2,629 $4,681 $7,131 $3,221
Liberty Mutual $4,234 $6,523 $5,065 $4,495
Nationwide $4,026 $5,228 $6,628 $4,440
Progressive $4,092 $6,091 $4,662 $4,966
State Farm $2,223 $2,631 $2,427 $2,427
Travelers $5,503 $5,659 $8,236 $5,900
USAA $2,102 $2,973 $3,574 $2,539

Cheapest Cambridge, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cambridge, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,753 $14,332
GEICO $7,561 $8,883
Liberty Mutual $11,699 $12,979
Nationwide $8,253 $10,220
Progressive $11,736 $13,256
State Farm $4,442 $5,666
Travelers $13,141 $21,200
USAA $5,103 $5,348

Cheapest Cambridge, KY Car Insurance for Seniors

Take a look at Cambridge, 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 Cambridge, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,029 $3,232
GEICO $3,654 $3,310
Liberty Mutual $2,238 $2,507
Nationwide $3,248 $3,376
Progressive $2,115 $2,119
State Farm $1,357 $1,357
Travelers $2,575 $2,577
USAA $1,685 $1,697

Cheapest Cambridge, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cambridge, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,873
GEICO $7,131
Liberty Mutual $5,065
Nationwide $6,628
Progressive $4,662
State Farm $2,427
Travelers $8,236
USAA $3,574

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Cheapest Cambridge, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cambridge, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,934 $5,934
GEICO $4,374 $4,457
Liberty Mutual $5,079 $5,079
Nationwide $5,081 $5,081
Progressive $4,953 $4,953
State Farm $2,364 $2,490
Travelers $6,325 $6,325
USAA $2,693 $2,901

The Best Cheap Car Insurance Companies in Cambridge, KY

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

Average Annual Car Insurance Rates by Company in Cambridge, Kentucky

Insurance Company Average Annual Rates
Allstate $5,934
GEICO $4,415
Liberty Mutual $5,079
Nationwide $5,081
Progressive $4,953
State Farm $2,427
Travelers $6,325
USAA $2,797

Category Winners: Cheapest Car Insurance in Cambridge, Kentucky

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

Best Annual Car Insurance Rates by Company in Cambridge, Kentucky

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

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Cheapest Cambridge, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cambridge, Kentucky

Insurance Company Low Medium High
Allstate $5,451 $5,907 $6,443
GEICO $4,107 $4,419 $4,721
Liberty Mutual $4,830 $5,049 $5,359
Nationwide $5,096 $5,025 $5,121
Progressive $4,504 $4,883 $5,471
State Farm $2,251 $2,427 $2,603
Travelers $5,979 $6,354 $6,640
USAA $2,639 $2,790 $2,961

What affects car insurance rates in Cambridge, Kentucky?

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

Commute Time in Cambridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Cambridge, KY is 24.6 minutes according to City-Data.

Traffic in Cambridge

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cambridge, KY traffic data from INRIX ranks Cambridge as the 234th-most congested in the world.

Compare Car Insurance Quotes in Cambridge, KY

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

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