Compare Springfield, KY Car Insurance Rates (2021)

Car insurance in Springfield, KY averages $387 a month. Springfield, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Springfield car insurance rates, compare quotes from the top car insurance companies in Springfield, 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 Springfield is USAA
  • Average car insurance rates in Springfield, KY after a DUI are $5,611/year
  • Average car insurance rates in Springfield, KY are $4,646/year

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

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

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

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

How do age, gender, and marital status affect Springfield, KY car insurance rates? Every Springfield, 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 Springfield, 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 $3,162 $3,121 $2,867 $3,055 $11,831 $13,282 $3,482 $3,670
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $2,678 $2,899 $2,281 $2,547 $11,392 $12,598 $2,791 $2,888
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,254 $2,144 $2,023 $2,032 $11,016 $12,476 $2,797 $2,860
State Farm $1,974 $1,974 $1,757 $1,757 $5,827 $7,397 $2,204 $2,459
Travelers $2,556 $2,605 $2,503 $2,511 $12,375 $19,930 $2,669 $3,098
USAA $1,984 $1,985 $1,791 $1,819 $5,340 $5,620 $2,506 $2,742

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Minimum Car Insurance in Springfield, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Springfield, Kentucky

Insurance Company Poor Fair Good
Allstate $7,361 $5,084 $4,231
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,150 $4,405 $3,472
Nationwide $5,732 $4,513 $3,919
Progressive $5,250 $4,581 $4,271
State Farm $4,591 $2,763 $2,151
Travelers $6,731 $5,692 $5,670
USAA $4,419 $2,480 $2,021

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

Annual Springfield, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,598 $6,012 $6,428 $5,196
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,172 $6,431 $4,996 $4,438
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,886 $5,758 $4,433 $4,724
State Farm $2,901 $3,436 $3,169 $3,169
Travelers $5,257 $5,410 $7,820 $5,637
USAA $2,238 $3,167 $3,791 $2,697

Cheapest Springfield, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Springfield, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,831 $13,282
GEICO $8,260 $9,795
Liberty Mutual $11,392 $12,598
Nationwide $7,618 $9,461
Progressive $11,016 $12,476
State Farm $5,827 $7,397
Travelers $12,375 $19,930
USAA $5,340 $5,620

Cheapest Springfield, KY Car Insurance for Seniors

Take a look at Springfield, 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 Springfield, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,867 $3,055
GEICO $4,219 $3,821
Liberty Mutual $2,281 $2,547
Nationwide $3,031 $3,157
Progressive $2,023 $2,032
State Farm $1,757 $1,757
Travelers $2,503 $2,511
USAA $1,791 $1,819

Cheapest Springfield, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Springfield, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,428
GEICO $8,093
Liberty Mutual $4,996
Nationwide $6,153
Progressive $4,433
State Farm $3,169
Travelers $7,820
USAA $3,791

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Cheapest Springfield, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Springfield, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,559 $5,559
GEICO $4,955 $5,049
Liberty Mutual $5,009 $5,009
Nationwide $4,721 $4,721
Progressive $4,700 $4,700
State Farm $3,090 $3,247
Travelers $6,031 $6,031
USAA $2,863 $3,084

The Best Cheap Car Insurance Companies in Springfield, KY

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

Average Annual Car Insurance Rates by Company in Springfield, Kentucky

Insurance Company Average Annual Rates
Allstate $5,559
GEICO $5,002
Liberty Mutual $5,009
Nationwide $4,721
Progressive $4,700
State Farm $3,169
Travelers $6,031
USAA $2,973

Category Winners: Cheapest Car Insurance in Springfield, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Springfield, Kentucky

Insurance Company Low Medium High
Allstate $5,154 $5,536 $5,986
GEICO $4,666 $4,987 $5,353
Liberty Mutual $4,751 $4,975 $5,301
Nationwide $4,750 $4,668 $4,746
Progressive $4,337 $4,640 $5,124
State Farm $2,990 $3,168 $3,347
Travelers $5,726 $6,058 $6,309
USAA $2,836 $2,966 $3,118

What affects car insurance rates in Springfield, Kentucky?

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

Commute Time in Springfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Springfield, KY is 18.7 minutes according to City-Data.

Traffic in Springfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Springfield, KY traffic data from INRIX ranks Springfield as the 830th-most congested in the world.

Compare Car Insurance Quotes in Springfield, KY

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

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