Best Cheap Auto Insurance in Bardstown, KY (2021)

The average Bardstown, KY auto insurance rates are $382 per month. The minimum auto insurance in Bardstown is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Bardstown, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Bardstown, Kentucky is 25/50/25
  • The average commute length in Bardstown is 22.8 minutes
  • The cheapest auto insurance company in Bardstown is USAA

Bardstown, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Bardstown can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bardstown, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Bardstown to other Kentucky cities, including Nicholasville auto insurance rates, Owensboro auto insurance rates, and Covington auto insurance rates to see how Bardstown, Kentucky auto insurance rates stack up.

Before you buy Bardstown, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bardstown, Kentucky auto insurance quotes.

Minimum Auto Insurance in Bardstown, Kentucky

Bardstown, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bardstown, Kentucky.

Minimum Required Auto Insurance Coverage in Bardstown, 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

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Cheap Bardstown, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bardstown, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bardstown, 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 $3,345 $3,300 $3,042 $3,244 $12,759 $14,335 $3,669 $3,855
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $2,820 $3,057 $2,403 $2,687 $11,581 $12,809 $2,941 $3,051
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,149 $2,038 $1,934 $1,943 $10,554 $11,920 $2,661 $2,704
State Farm $1,897 $1,897 $1,687 $1,687 $5,584 $7,086 $2,117 $2,363
Travelers $2,282 $2,321 $2,255 $2,257 $11,247 $18,067 $2,394 $2,740
USAA $1,914 $1,916 $1,731 $1,759 $5,109 $5,375 $2,413 $2,639

Cheap Bardstown, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bardstown, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Bardstown, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Bardstown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,759 $14,335
GEICO $8,260 $9,795
Liberty Mutual $11,581 $12,809
Nationwide $7,618 $9,461
Progressive $10,554 $11,920
State Farm $5,584 $7,086
Travelers $11,247 $18,067
USAA $5,109 $5,375

Cheap Bardstown, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Bardstown, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Bardstown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,042 $3,244
GEICO $4,219 $3,821
Liberty Mutual $2,403 $2,687
Nationwide $3,031 $3,157
Progressive $1,934 $1,943
State Farm $1,687 $1,687
Travelers $2,255 $2,257
USAA $1,731 $1,759

Cheap Bardstown, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bardstown, Kentucky compared to the annual auto insurance rates with a clean record in Bardstown, Kentucky.

Annual Bardstown, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,908 $6,430 $6,882 $5,554
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,311 $6,630 $5,153 $4,581
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,710 $5,506 $4,230 $4,505
State Farm $2,784 $3,296 $3,040 $3,040
Travelers $4,743 $4,877 $7,077 $5,085
USAA $2,155 $3,044 $3,636 $2,594

Cheap Bardstown, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bardstown, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Bardstown, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Bardstown, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,882
GEICO $8,093
Liberty Mutual $5,153
Nationwide $6,153
Progressive $4,230
State Farm $3,040
Travelers $7,077
USAA $3,636

Cheap Bardstown, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bardstown, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Bardstown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,873 $5,438 $4,520
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,389 $4,537 $3,580
Nationwide $5,732 $4,513 $3,919
Progressive $5,007 $4,375 $4,080
State Farm $4,403 $2,652 $2,065
Travelers $6,065 $5,144 $5,126
USAA $4,248 $2,382 $1,942

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Cheap Bardstown, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bardstown, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Bardstown, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Bardstown, Kentucky

ZIP Code Average Annual Rates
40004 $4,102

Cheap Bardstown, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Bardstown, Kentucky auto insurance. Find the cheapest annual Bardstown, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bardstown, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,944 $5,944
GEICO $4,955 $5,049
Liberty Mutual $5,169 $5,169
Nationwide $4,721 $4,721
Progressive $4,488 $4,488
State Farm $2,965 $3,115
Travelers $5,445 $5,445
USAA $2,750 $2,964

Cheap Bardstown, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bardstown, Kentucky? Check out the comparison of annual Bardstown, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bardstown, Kentucky

Insurance Company Low Medium High
Allstate $5,452 $5,917 $6,463
GEICO $4,666 $4,987 $5,353
Liberty Mutual $4,906 $5,134 $5,466
Nationwide $4,750 $4,668 $4,746
Progressive $4,119 $4,428 $4,917
State Farm $2,870 $3,039 $3,210
Travelers $5,159 $5,472 $5,705
USAA $2,719 $2,850 $3,002

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Best By Category: Cheapest Auto Insurance in Bardstown, Kentucky

Compare the cheapest auto insurance companies in Bardstown, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Bardstown, 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

The Cheapest Bardstown, Kentucky Auto Insurance Companies

What auto insurance companies in Bardstown, Kentucky are the cheapest? Compare the top Bardstown, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Bardstown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,944
GEICO $5,002
Liberty Mutual $5,169
Nationwide $4,721
Progressive $4,488
State Farm $3,040
Travelers $5,445
USAA $2,857

What affects auto insurance rates in Bardstown, Kentucky?

There are a lot of reasons why auto insurance rates in Bardstown, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bardstown, Kentucky. Many local factors may affect your Bardstown auto insurance rates.

Bardstown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bardstown, Kentucky commute length is 22.8 minutes according to City-Data.

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Compare Bardstown, Kentucky Auto Insurance Quotes

Before you buy Bardstown, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bardstown, Kentucky auto insurance quotes.

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