Compare Stanford, KY Car Insurance Rates (2021)

Car insurance in Stanford, KY averages $384 a month. Stanford, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Stanford car insurance rates, compare quotes from the top car insurance companies in Stanford, 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 Stanford is State Farm
  • Average car insurance rates in Stanford, KY are $4,603/year
  • Average car insurance rates in Stanford, KY after a DUI are $5,564/year

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

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

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

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

How do age, gender, and marital status affect Stanford, KY car insurance rates? Every Stanford, 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 Stanford, 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 $3,171 $3,131 $2,871 $3,061 $11,936 $13,400 $3,497 $3,689
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,560 $2,769 $2,168 $2,420 $11,126 $12,315 $2,676 $2,784
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,206 $2,091 $1,987 $1,991 $10,930 $12,380 $2,736 $2,790
State Farm $1,873 $1,873 $1,671 $1,671 $5,401 $6,856 $2,086 $2,314
Travelers $2,543 $2,592 $2,484 $2,491 $12,066 $19,320 $2,653 $3,100
USAA $2,085 $2,080 $1,884 $1,906 $5,707 $5,992 $2,630 $2,871

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Minimum Car Insurance in Stanford, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Stanford, Kentucky

Insurance Company Poor Fair Good
Allstate $7,403 $5,119 $4,261
GEICO $7,842 $3,915 $2,550
Liberty Mutual $6,922 $4,270 $3,365
Nationwide $6,028 $4,724 $4,097
Progressive $5,172 $4,524 $4,221
State Farm $4,279 $2,595 $2,031
Travelers $6,601 $5,571 $5,547
USAA $4,670 $2,624 $2,139

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

Annual Stanford, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,625 $6,054 $6,472 $5,228
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,041 $6,229 $4,841 $4,298
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $3,834 $5,693 $4,372 $4,657
State Farm $2,724 $3,213 $2,968 $2,968
Travelers $5,147 $5,299 $7,652 $5,526
USAA $2,363 $3,346 $4,020 $2,849

Cheapest Stanford, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stanford, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,936 $13,400
GEICO $7,942 $9,404
Liberty Mutual $11,126 $12,315
Nationwide $7,948 $9,875
Progressive $10,930 $12,380
State Farm $5,401 $6,856
Travelers $12,066 $19,320
USAA $5,707 $5,992

Cheapest Stanford, KY Car Insurance for Seniors

Take a look at Stanford, 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 Stanford, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,871 $3,061
GEICO $4,003 $3,626
Liberty Mutual $2,168 $2,420
Nationwide $3,188 $3,325
Progressive $1,987 $1,991
State Farm $1,671 $1,671
Travelers $2,484 $2,491
USAA $1,884 $1,906

Cheapest Stanford, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stanford, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,472
GEICO $7,717
Liberty Mutual $4,841
Nationwide $6,470
Progressive $4,372
State Farm $2,968
Travelers $7,652
USAA $4,020

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Cheapest Stanford, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stanford, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,595 $5,595
GEICO $4,724 $4,814
Liberty Mutual $4,852 $4,852
Nationwide $4,949 $4,949
Progressive $4,639 $4,639
State Farm $2,895 $3,042
Travelers $5,906 $5,906
USAA $3,029 $3,260

The Best Cheap Car Insurance Companies in Stanford, KY

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

Average Annual Car Insurance Rates by Company in Stanford, Kentucky

Insurance Company Average Annual Rates
Allstate $5,595
GEICO $4,769
Liberty Mutual $4,852
Nationwide $4,949
Progressive $4,639
State Farm $2,968
Travelers $5,906
USAA $3,145

Category Winners: Cheapest Car Insurance in Stanford, Kentucky

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

Best Annual Car Insurance Rates by Company in Stanford, Kentucky

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

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Cheapest Stanford, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Stanford, Kentucky

Insurance Company Low Medium High
Allstate $5,190 $5,572 $6,022
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,621 $4,823 $5,114
Nationwide $5,017 $4,889 $4,942
Progressive $4,259 $4,573 $5,084
State Farm $2,777 $2,964 $3,163
Travelers $5,637 $5,935 $6,146
USAA $2,998 $3,137 $3,299

What affects car insurance rates in Stanford, Kentucky?

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

Commute Time in Stanford

The more time you spend in your car the higher the risk of an accident. The average commute length in Stanford, KY is 27.2 minutes according to City-Data.

Compare Car Insurance Quotes in Stanford, KY

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

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