Compare Coldstream, KY Car Insurance Rates (2021)

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

  • The cheapest car insurance company in Coldstream is State Farm
  • The cheapest car insurance company in Coldstream for teen drivers is USAA
  • Average car insurance rates in Coldstream, KY after a DUI are $5,500/year

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

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

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

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

How do age, gender, and marital status affect Coldstream, KY car insurance rates? Every Coldstream, 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 Coldstream, 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 $3,154 $3,104 $2,871 $3,061 $12,200 $13,722 $3,447 $3,620
GEICO $3,468 $3,207 $3,654 $3,310 $7,561 $8,883 $2,823 $2,416
Liberty Mutual $2,840 $3,076 $2,391 $2,675 $12,489 $13,849 $2,976 $3,109
Nationwide $3,596 $3,570 $3,248 $3,376 $8,253 $10,220 $4,104 $4,280
Progressive $2,491 $2,358 $2,248 $2,252 $12,511 $14,140 $3,089 $3,143
State Farm $1,533 $1,533 $1,374 $1,374 $4,538 $5,783 $1,713 $1,891
Travelers $2,358 $2,396 $2,338 $2,336 $11,748 $18,843 $2,477 $2,827
USAA $1,788 $1,780 $1,626 $1,639 $4,921 $5,161 $2,248 $2,448

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Minimum Car Insurance in Coldstream, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Coldstream, Kentucky

Insurance Company Poor Fair Good
Allstate $7,466 $5,174 $4,301
GEICO $7,262 $3,625 $2,360
Liberty Mutual $7,752 $4,770 $3,754
Nationwide $6,170 $4,859 $4,213
Progressive $5,872 $5,151 $4,814
State Farm $3,568 $2,154 $1,680
Travelers $6,310 $5,352 $5,333
USAA $3,986 $2,264 $1,853

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

Annual Coldstream, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,646 $6,112 $6,559 $5,272
GEICO $2,629 $4,681 $7,131 $3,221
Liberty Mutual $4,515 $6,971 $5,413 $4,802
Nationwide $4,026 $5,228 $6,628 $4,440
Progressive $4,361 $6,487 $4,972 $5,295
State Farm $2,257 $2,678 $2,467 $2,467
Travelers $4,928 $5,068 $7,376 $5,289
USAA $2,031 $2,872 $3,450 $2,452

Cheapest Coldstream, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Coldstream, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,200 $13,722
GEICO $7,561 $8,883
Liberty Mutual $12,489 $13,849
Nationwide $8,253 $10,220
Progressive $12,511 $14,140
State Farm $4,538 $5,783
Travelers $11,748 $18,843
USAA $4,921 $5,161

Cheapest Coldstream, KY Car Insurance for Seniors

Take a look at Coldstream, 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 Coldstream, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,871 $3,061
GEICO $3,654 $3,310
Liberty Mutual $2,391 $2,675
Nationwide $3,248 $3,376
Progressive $2,248 $2,252
State Farm $1,374 $1,374
Travelers $2,338 $2,336
USAA $1,626 $1,639

Cheapest Coldstream, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Coldstream, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,559
GEICO $7,131
Liberty Mutual $5,413
Nationwide $6,628
Progressive $4,972
State Farm $2,467
Travelers $7,376
USAA $3,450

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Cheapest Coldstream, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Coldstream, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,647 $5,647
GEICO $4,374 $4,457
Liberty Mutual $5,426 $5,426
Nationwide $5,081 $5,081
Progressive $5,279 $5,279
State Farm $2,403 $2,532
Travelers $5,665 $5,665
USAA $2,602 $2,801

The Best Cheap Car Insurance Companies in Coldstream, KY

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

Average Annual Car Insurance Rates by Company in Coldstream, Kentucky

Insurance Company Average Annual Rates
Allstate $5,647
GEICO $4,415
Liberty Mutual $5,426
Nationwide $5,081
Progressive $5,279
State Farm $2,467
Travelers $5,665
USAA $2,701

Category Winners: Cheapest Car Insurance in Coldstream, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Coldstream, Kentucky

Insurance Company Low Medium High
Allstate $5,210 $5,623 $6,109
GEICO $4,107 $4,419 $4,721
Liberty Mutual $5,162 $5,393 $5,721
Nationwide $5,096 $5,025 $5,121
Progressive $4,836 $5,214 $5,787
State Farm $2,289 $2,467 $2,646
Travelers $5,370 $5,694 $5,932
USAA $2,560 $2,695 $2,849

What affects car insurance rates in Coldstream, Kentucky?

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

Commute Time in Coldstream

The more time you spend in your car the higher the risk of an accident. The average commute length in Coldstream, KY is 20.7 minutes according to City-Data.

Compare Car Insurance Quotes in Coldstream, KY

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

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