Compare Columbus, KY Car Insurance Rates (2021)

Car insurance in Columbus, KY averages $348 a month. Columbus, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, 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 Columbus is USAA
  • The cheapest car insurance company in Columbus for teen drivers is USAA
  • Average car insurance rates in Columbus, KY are $4,170/year

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

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

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

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

How do age, gender, and marital status affect Columbus, KY car insurance rates? Every Columbus, 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 Columbus, 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 $3,119 $3,103 $2,798 $2,988 $11,177 $12,562 $3,500 $3,719
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,740 $2,976 $2,322 $2,603 $10,970 $12,167 $2,871 $3,004
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,264 $2,179 $2,004 $2,029 $10,402 $11,772 $2,814 $2,901
State Farm $1,882 $1,882 $1,660 $1,660 $5,045 $6,316 $2,098 $2,302
Travelers $2,220 $2,261 $2,176 $2,182 $10,566 $16,949 $2,318 $2,685
USAA $1,910 $1,924 $1,714 $1,758 $4,984 $5,272 $2,425 $2,671

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Minimum Car Insurance in Columbus, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Columbus, Kentucky

Insurance Company Poor Fair Good
Allstate $7,102 $4,907 $4,104
GEICO $6,223 $3,107 $2,025
Liberty Mutual $7,092 $4,344 $3,434
Nationwide $4,672 $3,666 $3,197
Progressive $5,118 $4,418 $4,101
State Farm $4,135 $2,492 $1,941
Travelers $5,768 $4,880 $4,861
USAA $4,227 $2,354 $1,915

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

Annual Columbus, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,489 $5,807 $6,155 $5,033
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $4,143 $6,348 $4,940 $4,395
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,766 $5,527 $4,301 $4,588
State Farm $2,633 $3,078 $2,856 $2,856
Travelers $4,510 $4,640 $6,693 $4,835
USAA $2,135 $3,024 $3,602 $2,568

Cheapest Columbus, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Columbus, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,177 $12,562
GEICO $6,168 $7,329
Liberty Mutual $10,970 $12,167
Nationwide $6,037 $7,550
Progressive $10,402 $11,772
State Farm $5,045 $6,316
Travelers $10,566 $16,949
USAA $4,984 $5,272

Cheapest Columbus, KY Car Insurance for Seniors

Take a look at Columbus, 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 Columbus, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,988
GEICO $3,218 $2,914
Liberty Mutual $2,322 $2,603
Nationwide $2,519 $2,640
Progressive $2,004 $2,029
State Farm $1,660 $1,660
Travelers $2,176 $2,182
USAA $1,714 $1,758

Cheapest Columbus, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbus, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,155
GEICO $6,130
Liberty Mutual $4,940
Nationwide $4,997
Progressive $4,301
State Farm $2,856
Travelers $6,693
USAA $3,602

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Cheapest Columbus, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbus, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,371 $5,371
GEICO $3,750 $3,821
Liberty Mutual $4,957 $4,957
Nationwide $3,845 $3,845
Progressive $4,546 $4,546
State Farm $2,782 $2,929
Travelers $5,169 $5,169
USAA $2,726 $2,938

The Best Cheap Car Insurance Companies in Columbus, KY

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

Average Annual Car Insurance Rates by Company in Columbus, Kentucky

Insurance Company Average Annual Rates
Allstate $5,371
GEICO $3,785
Liberty Mutual $4,957
Nationwide $3,845
Progressive $4,546
State Farm $2,856
Travelers $5,169
USAA $2,832

Category Winners: Cheapest Car Insurance in Columbus, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Columbus, Kentucky

Insurance Company Low Medium High
Allstate $5,050 $5,353 $5,710
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,713 $4,925 $5,231
Nationwide $3,908 $3,801 $3,826
Progressive $4,263 $4,501 $4,873
State Farm $2,717 $2,854 $2,997
Travelers $4,912 $5,194 $5,403
USAA $2,715 $2,826 $2,956

What affects car insurance rates in Columbus, Kentucky?

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

Commute Time in Columbus

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

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, KY traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Compare Car Insurance Quotes in Columbus, KY

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