Compare Cold Spring, KY Car Insurance Rates (2021)

Car insurance in Cold Spring, KY averages $311 a month. Cold Spring, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cold Spring car insurance rates, compare quotes from the top car insurance companies in Cold Spring, 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 Cold Spring, KY after a DUI are $4,442/year
  • The cheapest car insurance company in Cold Spring for teen drivers is USAA
  • The cheapest car insurance company in Cold Spring is State Farm

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

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

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

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

How do age, gender, and marital status affect Cold Spring, KY car insurance rates? Every Cold Spring, 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 Cold Spring, 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 $2,988 $2,950 $2,709 $2,889 $11,287 $12,697 $3,291 $3,468
GEICO $3,007 $2,780 $3,153 $2,855 $6,355 $7,510 $2,450 $2,106
Liberty Mutual $2,656 $2,874 $2,221 $2,485 $11,610 $12,887 $2,801 $2,952
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,762 $1,670 $1,591 $1,593 $8,739 $9,872 $2,180 $2,224
State Farm $1,430 $1,430 $1,283 $1,283 $4,271 $5,428 $1,597 $1,771
Travelers $1,706 $1,734 $1,685 $1,686 $8,034 $12,808 $1,787 $2,038
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 Cold Spring, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Cold Spring, Kentucky

Insurance Company Poor Fair Good
Allstate $6,980 $4,841 $4,034
GEICO $6,211 $3,100 $2,020
Liberty Mutual $7,219 $4,450 $3,513
Nationwide $3,971 $3,159 $2,757
Progressive $4,115 $3,615 $3,382
State Farm $3,341 $2,018 $1,576
Travelers $4,378 $3,720 $3,706
USAA $3,677 $2,084 $1,705

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

Annual Cold Spring, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,369 $5,718 $6,114 $4,939
GEICO $2,260 $4,006 $6,074 $2,768
Liberty Mutual $4,222 $6,492 $5,049 $4,479
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,066 $4,540 $3,493 $3,716
State Farm $2,112 $2,511 $2,312 $2,312
Travelers $3,437 $3,532 $5,090 $3,681
USAA $1,873 $2,645 $3,177 $2,259

Cheapest Cold Spring, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cold Spring, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,287 $12,697
GEICO $6,355 $7,510
Liberty Mutual $11,610 $12,887
Nationwide $5,248 $6,510
Progressive $8,739 $9,872
State Farm $4,271 $5,428
Travelers $8,034 $12,808
USAA $4,533 $4,755

Cheapest Cold Spring, KY Car Insurance for Seniors

Take a look at Cold Spring, 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 Cold Spring, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,709 $2,889
GEICO $3,153 $2,855
Liberty Mutual $2,221 $2,485
Nationwide $2,153 $2,240
Progressive $1,591 $1,593
State Farm $1,283 $1,283
Travelers $1,685 $1,686
USAA $1,497 $1,508

Cheapest Cold Spring, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cold Spring, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,114
GEICO $6,074
Liberty Mutual $5,049
Nationwide $4,227
Progressive $3,493
State Farm $2,312
Travelers $5,090
USAA $3,177

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Cheapest Cold Spring, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cold Spring, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,285 $5,285
GEICO $3,742 $3,812
Liberty Mutual $5,061 $5,061
Nationwide $3,295 $3,295
Progressive $3,704 $3,704
State Farm $2,252 $2,371
Travelers $3,935 $3,935
USAA $2,398 $2,579

The Best Cheap Car Insurance Companies in Cold Spring, KY

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

Average Annual Car Insurance Rates by Company in Cold Spring, Kentucky

Insurance Company Average Annual Rates
Allstate $5,285
GEICO $3,777
Liberty Mutual $5,061
Nationwide $3,295
Progressive $3,704
State Farm $2,312
Travelers $3,935
USAA $2,489

Category Winners: Cheapest Car Insurance in Cold Spring, Kentucky

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

Best Annual Car Insurance Rates by Company in Cold Spring, 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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Cheapest Cold Spring, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cold Spring, Kentucky

Insurance Company Low Medium High
Allstate $4,911 $5,264 $5,680
GEICO $3,526 $3,764 $4,041
Liberty Mutual $4,866 $5,037 $5,279
Nationwide $3,289 $3,267 $3,330
Progressive $3,413 $3,668 $4,032
State Farm $2,152 $2,310 $2,472
Travelers $3,732 $3,956 $4,117
USAA $2,369 $2,483 $2,613

What affects car insurance rates in Cold Spring, Kentucky?

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

Commute Time in Cold Spring

The more time you spend in your car the higher the risk of an accident. The average commute length in Cold Spring, KY is 22.6 minutes according to City-Data.

Compare Car Insurance Quotes in Cold Spring, KY

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

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