Compare Horse Cave, KY Car Insurance Rates (2021)

Car insurance in Horse Cave, KY averages $361 a month. Horse Cave, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Horse Cave car insurance rates, compare quotes from the top car insurance companies in Horse Cave, KY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Horse Cave, KY are $4,327/year
  • Average car insurance rates in Horse Cave, KY after a DUI are $5,180/year
  • The cheapest car insurance company in Horse Cave for teen drivers is USAA

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

You’ll find Horse Cave car insurance rates, the cheapest Horse Cave, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Horse Cave, Kentucky car insurance rates to Henderson car insurance rates, Bowling Green car insurance rates, and Florence car insurance rates.

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

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

How do age, gender, and marital status affect Horse Cave, KY car insurance rates? Every Horse Cave, 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 Horse Cave, 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 $2,968 $2,939 $2,681 $2,856 $10,845 $12,178 $3,292 $3,482
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,918 $3,176 $2,513 $2,816 $10,549 $11,656 $3,039 $3,148
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,134 $2,042 $1,905 $1,922 $10,085 $11,404 $2,647 $2,708
State Farm $2,024 $2,024 $1,809 $1,809 $6,020 $7,615 $2,258 $2,528
Travelers $2,521 $2,569 $2,465 $2,471 $11,974 $19,168 $2,631 $3,070
USAA $1,705 $1,705 $1,548 $1,570 $4,560 $4,791 $2,145 $2,344

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Horse Cave, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Horse Cave, Kentucky

Insurance Company Poor Fair Good
Allstate $6,818 $4,714 $3,933
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,134 $4,350 $3,447
Nationwide $5,239 $4,104 $3,569
Progressive $4,885 $4,239 $3,944
State Farm $4,712 $2,847 $2,223
Travelers $6,547 $5,526 $5,502
USAA $3,769 $2,129 $1,740

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

Annual Horse Cave, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,285 $5,573 $5,937 $4,825
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,172 $6,361 $4,955 $4,420
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,606 $5,320 $4,113 $4,385
State Farm $2,981 $3,540 $3,261 $3,261
Travelers $5,105 $5,256 $7,592 $5,482
USAA $1,921 $2,711 $3,239 $2,313

Cheapest Horse Cave, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Horse Cave, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,845 $12,178
GEICO $6,851 $8,131
Liberty Mutual $10,549 $11,656
Nationwide $6,819 $8,506
Progressive $10,085 $11,404
State Farm $6,020 $7,615
Travelers $11,974 $19,168
USAA $4,560 $4,791

Cheapest Horse Cave, KY Car Insurance for Seniors

Take a look at Horse Cave, 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 Horse Cave, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,681 $2,856
GEICO $3,510 $3,179
Liberty Mutual $2,513 $2,816
Nationwide $2,800 $2,930
Progressive $1,905 $1,922
State Farm $1,809 $1,809
Travelers $2,465 $2,471
USAA $1,548 $1,570

Cheapest Horse Cave, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Horse Cave, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,937
GEICO $6,731
Liberty Mutual $4,955
Nationwide $5,612
Progressive $4,113
State Farm $3,261
Travelers $7,592
USAA $3,239

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Horse Cave, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Horse Cave, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,155 $5,155
GEICO $4,119 $4,197
Liberty Mutual $4,977 $4,977
Nationwide $4,304 $4,304
Progressive $4,356 $4,356
State Farm $3,182 $3,340
Travelers $5,859 $5,859
USAA $2,451 $2,641

The Best Cheap Car Insurance Companies in Horse Cave, KY

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

Average Annual Car Insurance Rates by Company in Horse Cave, Kentucky

Insurance Company Average Annual Rates
Allstate $5,155
GEICO $4,158
Liberty Mutual $4,977
Nationwide $4,304
Progressive $4,356
State Farm $3,261
Travelers $5,859
USAA $2,546

Category Winners: Cheapest Car Insurance in Horse Cave, Kentucky

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

Best Annual Car Insurance Rates by Company in Horse Cave, Kentucky

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Horse Cave, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Horse Cave, Kentucky

Insurance Company Low Medium High
Allstate $4,816 $5,136 $5,513
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,711 $4,940 $5,279
Nationwide $4,380 $4,252 $4,281
Progressive $4,024 $4,300 $4,743
State Farm $3,074 $3,256 $3,452
Travelers $5,590 $5,887 $6,099
USAA $2,411 $2,539 $2,688

What affects car insurance rates in Horse Cave, Kentucky?

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

Commute Time in Horse Cave

The more time you spend in your car the higher the risk of an accident. The average commute length in Horse Cave, KY is 18.3 minutes according to City-Data.

Compare Car Insurance Quotes in Horse Cave, KY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption