Compare Stearns, KY Car Insurance Rates (2021)

Car insurance in Stearns, KY averages $417 a month. Stearns, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Stearns car insurance rates, compare quotes from the top car insurance companies in Stearns, 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 Stearns is USAA
  • Average car insurance rates in Stearns, KY are $5,009/year
  • Average car insurance rates in Stearns, KY after a DUI are $6,023/year

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

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

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

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

How do age, gender, and marital status affect Stearns, KY car insurance rates? Every Stearns, 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 Stearns, 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 $3,369 $3,340 $3,040 $3,243 $12,297 $13,769 $3,745 $3,962
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,876 $3,111 $2,463 $2,740 $12,326 $13,585 $2,993 $3,088
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,402 $2,277 $2,162 $2,167 $11,892 $13,481 $2,981 $3,040
State Farm $2,347 $2,347 $2,103 $2,103 $6,654 $8,420 $2,606 $2,887
Travelers $2,725 $2,776 $2,670 $2,680 $13,402 $21,712 $2,842 $3,292
USAA $2,029 $2,027 $1,836 $1,860 $5,522 $5,798 $2,561 $2,798

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Minimum Car Insurance in Stearns, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Stearns, Kentucky

Insurance Company Poor Fair Good
Allstate $7,756 $5,335 $4,446
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,723 $4,742 $3,727
Nationwide $7,021 $5,495 $4,763
Progressive $5,638 $4,923 $4,590
State Farm $5,278 $3,229 $2,543
Travelers $7,267 $6,146 $6,124
USAA $4,532 $2,550 $2,080

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

Annual Stearns, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,864 $6,321 $6,725 $5,473
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,483 $6,937 $5,388 $4,783
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,171 $6,199 $4,758 $5,072
State Farm $3,384 $3,982 $3,683 $3,683
Travelers $5,676 $5,841 $8,449 $6,083
USAA $2,296 $3,251 $3,900 $2,768

Cheapest Stearns, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stearns, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,297 $13,769
GEICO $7,942 $9,404
Liberty Mutual $12,326 $13,585
Nationwide $9,302 $11,583
Progressive $11,892 $13,481
State Farm $6,654 $8,420
Travelers $13,402 $21,712
USAA $5,522 $5,798

Cheapest Stearns, KY Car Insurance for Seniors

Take a look at Stearns, 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 Stearns, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,040 $3,243
GEICO $4,003 $3,626
Liberty Mutual $2,463 $2,740
Nationwide $3,677 $3,839
Progressive $2,162 $2,167
State Farm $2,103 $2,103
Travelers $2,670 $2,680
USAA $1,836 $1,860

Cheapest Stearns, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stearns, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,725
GEICO $7,717
Liberty Mutual $5,388
Nationwide $7,562
Progressive $4,758
State Farm $3,683
Travelers $8,449
USAA $3,900

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Cheapest Stearns, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stearns, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,846 $5,846
GEICO $4,724 $4,814
Liberty Mutual $5,398 $5,398
Nationwide $5,760 $5,760
Progressive $5,050 $5,050
State Farm $3,594 $3,772
Travelers $6,512 $6,512
USAA $2,940 $3,167

The Best Cheap Car Insurance Companies in Stearns, KY

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

Average Annual Car Insurance Rates by Company in Stearns, Kentucky

Insurance Company Average Annual Rates
Allstate $5,846
GEICO $4,769
Liberty Mutual $5,398
Nationwide $5,760
Progressive $5,050
State Farm $3,683
Travelers $6,512
USAA $3,054

Category Winners: Cheapest Car Insurance in Stearns, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Stearns, Kentucky

Insurance Company Low Medium High
Allstate $5,401 $5,821 $6,315
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,132 $5,361 $5,700
Nationwide $5,806 $5,676 $5,797
Progressive $4,634 $4,972 $5,545
State Farm $3,426 $3,671 $3,953
Travelers $6,153 $6,536 $6,849
USAA $2,904 $3,046 $3,211

What affects car insurance rates in Stearns, Kentucky?

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

Commute Time in Stearns

The more time you spend in your car the higher the risk of an accident. The average commute length in Stearns, KY is 29.5 minutes according to City-Data.

Compare Car Insurance Quotes in Stearns, KY

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

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

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