Compare Sacramento, KY Car Insurance Rates (2021)

Car insurance in Sacramento, KY averages $353 a month. Sacramento, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Sacramento car insurance rates, compare quotes from the top car insurance companies in Sacramento, 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 Sacramento for teen drivers is USAA
  • Average car insurance rates in Sacramento, KY after a DUI are $5,063/year
  • The cheapest car insurance company in Sacramento is USAA

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

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

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

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

How do age, gender, and marital status affect Sacramento, KY car insurance rates? Every Sacramento, 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 Sacramento, 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 $3,145 $3,139 $2,817 $3,007 $10,932 $12,279 $3,544 $3,772
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,768 $3,000 $2,361 $2,634 $11,371 $12,564 $2,892 $3,006
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,948 $1,869 $1,733 $1,749 $9,108 $10,309 $2,417 $2,490
State Farm $2,096 $2,096 $1,876 $1,876 $6,355 $8,017 $2,338 $2,632
Travelers $2,251 $2,292 $2,206 $2,213 $10,780 $17,334 $2,349 $2,717
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

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Minimum Car Insurance in Sacramento, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Sacramento, Kentucky

Insurance Company Poor Fair Good
Allstate $7,057 $4,860 $4,071
GEICO $6,955 $3,473 $2,264
Liberty Mutual $7,261 $4,452 $3,511
Nationwide $4,672 $3,666 $3,197
Progressive $4,433 $3,846 $3,579
State Farm $4,931 $2,978 $2,324
Travelers $5,876 $4,973 $4,954
USAA $4,165 $2,317 $1,884

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

Annual Sacramento, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,484 $5,756 $6,074 $5,004
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,230 $6,508 $5,062 $4,499
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,276 $4,813 $3,738 $3,984
State Farm $3,111 $3,711 $3,411 $3,411
Travelers $4,596 $4,728 $6,822 $4,925
USAA $2,103 $2,980 $3,541 $2,530

Cheapest Sacramento, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sacramento, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,932 $12,279
GEICO $6,831 $8,150
Liberty Mutual $11,371 $12,564
Nationwide $6,037 $7,550
Progressive $9,108 $10,309
State Farm $6,355 $8,017
Travelers $10,780 $17,334
USAA $4,875 $5,165

Cheapest Sacramento, KY Car Insurance for Seniors

Take a look at Sacramento, 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 Sacramento, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,817 $3,007
GEICO $3,608 $3,267
Liberty Mutual $2,361 $2,634
Nationwide $2,519 $2,640
Progressive $1,733 $1,749
State Farm $1,876 $1,876
Travelers $2,206 $2,213
USAA $1,693 $1,740

Cheapest Sacramento, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sacramento, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,074
GEICO $6,862
Liberty Mutual $5,062
Nationwide $4,997
Progressive $3,738
State Farm $3,411
Travelers $6,822
USAA $3,541

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Cheapest Sacramento, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sacramento, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,329 $5,329
GEICO $4,191 $4,270
Liberty Mutual $5,075 $5,075
Nationwide $3,845 $3,845
Progressive $3,953 $3,953
State Farm $3,329 $3,492
Travelers $5,268 $5,268
USAA $2,683 $2,894

The Best Cheap Car Insurance Companies in Sacramento, KY

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

Average Annual Car Insurance Rates by Company in Sacramento, Kentucky

Insurance Company Average Annual Rates
Allstate $5,329
GEICO $4,231
Liberty Mutual $5,075
Nationwide $3,845
Progressive $3,953
State Farm $3,411
Travelers $5,268
USAA $2,789

Category Winners: Cheapest Car Insurance in Sacramento, Kentucky

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

Best Annual Car Insurance Rates by Company in Sacramento, Kentucky

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

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Cheapest Sacramento, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sacramento, Kentucky

Insurance Company Low Medium High
Allstate $4,998 $5,311 $5,679
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,835 $5,042 $5,347
Nationwide $3,908 $3,801 $3,826
Progressive $3,695 $3,916 $4,248
State Farm $3,227 $3,406 $3,600
Travelers $4,996 $5,291 $5,517
USAA $2,673 $2,783 $2,910

What affects car insurance rates in Sacramento, Kentucky?

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

Commute Time in Sacramento

The more time you spend in your car the higher the risk of an accident. The average commute length in Sacramento, KY is 32.7 minutes according to City-Data.

Traffic in Sacramento

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sacramento, KY traffic data from INRIX ranks Sacramento as the 330th-most congested in the world.

Compare Car Insurance Quotes in Sacramento, KY

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

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