Compare Sturgis, KY Car Insurance Rates (2021)

Car insurance in Sturgis, KY averages $342 a month. Sturgis, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Sturgis car insurance rates, compare quotes from the top car insurance companies in Sturgis, 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 Sturgis, KY are $4,104/year
  • The cheapest car insurance company in Sturgis is USAA
  • Average car insurance rates in Sturgis, KY after a DUI are $4,889/year

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

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

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

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

How do age, gender, and marital status affect Sturgis, KY car insurance rates? Every Sturgis, 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 Sturgis, 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 $3,311 $3,310 $2,954 $3,157 $11,481 $12,896 $3,754 $4,005
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,626 $2,849 $2,251 $2,511 $10,090 $11,135 $2,748 $2,861
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,148 $2,074 $1,897 $1,925 $9,706 $10,972 $2,668 $2,751
State Farm $2,063 $2,063 $1,840 $1,840 $6,280 $7,923 $2,304 $2,602
Travelers $1,883 $1,917 $1,845 $1,849 $8,716 $13,909 $1,965 $2,273
USAA $1,743 $1,752 $1,568 $1,603 $4,587 $4,842 $2,207 $2,424

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Minimum Car Insurance in Sturgis, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Sturgis, Kentucky

Insurance Company Poor Fair Good
Allstate $7,426 $5,113 $4,286
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,630 $4,059 $3,213
Nationwide $4,672 $3,666 $3,197
Progressive $4,812 $4,145 $3,846
State Farm $4,876 $2,934 $2,283
Travelers $4,789 $4,056 $4,039
USAA $3,856 $2,158 $1,758

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

Annual Sturgis, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,723 $6,060 $6,384 $5,266
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,877 $5,926 $4,620 $4,114
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,539 $5,182 $4,040 $4,310
State Farm $3,068 $3,661 $3,364 $3,364
Travelers $3,752 $3,860 $5,546 $4,021
USAA $1,953 $2,763 $3,296 $2,350

Cheapest Sturgis, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sturgis, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,481 $12,896
GEICO $6,831 $8,150
Liberty Mutual $10,090 $11,135
Nationwide $6,037 $7,550
Progressive $9,706 $10,972
State Farm $6,280 $7,923
Travelers $8,716 $13,909
USAA $4,587 $4,842

Cheapest Sturgis, KY Car Insurance for Seniors

Take a look at Sturgis, 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 Sturgis, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,954 $3,157
GEICO $3,608 $3,267
Liberty Mutual $2,251 $2,511
Nationwide $2,519 $2,640
Progressive $1,897 $1,925
State Farm $1,840 $1,840
Travelers $1,845 $1,849
USAA $1,568 $1,603

Cheapest Sturgis, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sturgis, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,384
GEICO $6,862
Liberty Mutual $4,620
Nationwide $4,997
Progressive $4,040
State Farm $3,364
Travelers $5,546
USAA $3,296

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Cheapest Sturgis, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sturgis, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,608 $5,608
GEICO $4,191 $4,270
Liberty Mutual $4,634 $4,634
Nationwide $3,845 $3,845
Progressive $4,268 $4,268
State Farm $3,284 $3,444
Travelers $4,295 $4,295
USAA $2,494 $2,687

The Best Cheap Car Insurance Companies in Sturgis, KY

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

Average Annual Car Insurance Rates by Company in Sturgis, Kentucky

Insurance Company Average Annual Rates
Allstate $5,608
GEICO $4,231
Liberty Mutual $4,634
Nationwide $3,845
Progressive $4,268
State Farm $3,364
Travelers $4,295
USAA $2,591

Category Winners: Cheapest Car Insurance in Sturgis, Kentucky

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

Best Annual Car Insurance Rates by Company in Sturgis, Kentucky

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

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Cheapest Sturgis, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sturgis, Kentucky

Insurance Company Low Medium High
Allstate $5,284 $5,590 $5,951
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,438 $4,607 $4,857
Nationwide $3,908 $3,801 $3,826
Progressive $3,999 $4,227 $4,577
State Farm $3,207 $3,363 $3,523
Travelers $4,087 $4,316 $4,481
USAA $2,479 $2,585 $2,708

What affects car insurance rates in Sturgis, Kentucky?

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

Commute Time in Sturgis

The more time you spend in your car the higher the risk of an accident. The average commute length in Sturgis, KY is 19.8 minutes according to City-Data.

Compare Car Insurance Quotes in Sturgis, KY

Ready to find affordable Sturgis, Kentucky car insurance today? Enter your ZIP code for fast, free Sturgis, 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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