Compare Spottsville, KY Car Insurance Rates (2021)

Car insurance in Spottsville, KY averages $327 a month. Spottsville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spottsville car insurance rates, compare quotes from the top car insurance companies in Spottsville, 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

  • Average car insurance rates in Spottsville, KY are $3,923/year
  • The cheapest car insurance company in Spottsville is USAA
  • The cheapest car insurance company in Spottsville for teen drivers is USAA

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

You’ll find Spottsville car insurance rates, the cheapest Spottsville, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Spottsville, Kentucky car insurance rates to Nicholasville car insurance rates, Owensboro car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Spottsville, KY car insurance rates? Every Spottsville, 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 Spottsville, 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 $2,999 $2,974 $2,699 $2,879 $10,919 $12,265 $3,344 $3,545
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,562 $2,776 $2,195 $2,447 $10,232 $11,292 $2,675 $2,774
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,727 $1,640 $1,554 $1,563 $8,403 $9,474 $2,134 $2,173
State Farm $1,803 $1,803 $1,610 $1,610 $5,410 $6,849 $2,014 $2,256
Travelers $1,967 $2,003 $1,924 $1,930 $9,156 $14,631 $2,052 $2,377
USAA $1,710 $1,719 $1,543 $1,577 $4,464 $4,716 $2,162 $2,374

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Minimum Car Insurance in Spottsville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Spottsville, Kentucky

Insurance Company Poor Fair Good
Allstate $6,877 $4,758 $3,975
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,596 $4,055 $3,206
Nationwide $4,672 $3,666 $3,197
Progressive $3,993 $3,495 $3,263
State Farm $4,227 $2,547 $1,984
Travelers $5,024 $4,254 $4,236
USAA $3,766 $2,111 $1,722

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

Annual Spottsville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,330 $5,627 $5,984 $4,871
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,858 $5,914 $4,606 $4,098
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $2,968 $4,387 $3,382 $3,598
State Farm $2,667 $3,172 $2,919 $2,919
Travelers $3,935 $4,048 $5,821 $4,216
USAA $1,913 $2,703 $3,215 $2,301

Cheapest Spottsville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spottsville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,919 $12,265
GEICO $6,876 $8,160
Liberty Mutual $10,232 $11,292
Nationwide $6,037 $7,550
Progressive $8,403 $9,474
State Farm $5,410 $6,849
Travelers $9,156 $14,631
USAA $4,464 $4,716

Cheapest Spottsville, KY Car Insurance for Seniors

Take a look at Spottsville, 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 Spottsville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,699 $2,879
GEICO $3,530 $3,197
Liberty Mutual $2,195 $2,447
Nationwide $2,519 $2,640
Progressive $1,554 $1,563
State Farm $1,610 $1,610
Travelers $1,924 $1,930
USAA $1,543 $1,577

Cheapest Spottsville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spottsville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,984
GEICO $6,759
Liberty Mutual $4,606
Nationwide $4,997
Progressive $3,382
State Farm $2,919
Travelers $5,821
USAA $3,215

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Cheapest Spottsville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spottsville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,203 $5,203
GEICO $4,139 $4,217
Liberty Mutual $4,619 $4,619
Nationwide $3,845 $3,845
Progressive $3,584 $3,584
State Farm $2,848 $2,991
Travelers $4,505 $4,505
USAA $2,438 $2,628

The Best Cheap Car Insurance Companies in Spottsville, KY

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

Average Annual Car Insurance Rates by Company in Spottsville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,203
GEICO $4,178
Liberty Mutual $4,619
Nationwide $3,845
Progressive $3,583
State Farm $2,919
Travelers $4,505
USAA $2,533

Category Winners: Cheapest Car Insurance in Spottsville, Kentucky

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

Best Annual Car Insurance Rates by Company in Spottsville, Kentucky

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

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Cheapest Spottsville, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spottsville, Kentucky

Insurance Company Low Medium High
Allstate $4,881 $5,185 $5,543
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,412 $4,591 $4,855
Nationwide $3,908 $3,801 $3,826
Progressive $3,311 $3,549 $3,890
State Farm $2,759 $2,918 $3,080
Travelers $4,288 $4,528 $4,699
USAA $2,416 $2,527 $2,656

What affects car insurance rates in Spottsville, Kentucky?

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

Commute Time in Spottsville

The more time you spend in your car the higher the risk of an accident. The average commute length in Spottsville, KY is 30.5 minutes according to City-Data.

Compare Car Insurance Quotes in Spottsville, KY

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

Free Car Insurance Comparison

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

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