Best Cheap Auto Insurance in Bedford, KY (2021)

The average Bedford, KY auto insurance rates are $382 per month. The minimum auto insurance in Bedford is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Bedford, 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 most expensive auto insurance company in Bedford for teen drivers is Travelers
  • The cheapest auto insurance company in Bedford is USAA
  • The average commute length in Bedford is 22.5 minutes

Bedford, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Bedford 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 Bedford, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Bedford to other Kentucky cities, including Hopkinsville auto insurance rates, Independence auto insurance rates, and Covington auto insurance rates to see how Bedford, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Bedford, Kentucky

Bedford, 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 Bedford, Kentucky.

Minimum Required Auto Insurance Coverage in Bedford, 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 Bedford, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bedford, 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 Bedford, 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 $3,269 $3,236 $2,948 $3,147 $12,222 $13,734 $3,630 $3,841
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,831 $3,065 $2,380 $2,660 $12,329 $13,664 $2,977 $3,123
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,321 $2,220 $2,073 $2,086 $11,111 $12,587 $2,885 $2,964
State Farm $2,317 $2,317 $2,070 $2,070 $7,067 $8,922 $2,588 $2,917
Travelers $2,171 $2,209 $2,131 $2,132 $10,196 $16,186 $2,272 $2,636
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

Cheap Bedford, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bedford, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,222 $13,734
GEICO $7,170 $8,568
Liberty Mutual $12,329 $13,664
Nationwide $7,450 $9,339
Progressive $11,111 $12,587
State Farm $7,067 $8,922
Travelers $10,196 $16,186
USAA $5,206 $5,502

Cheap Bedford, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bedford, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,948 $3,147
GEICO $3,742 $3,389
Liberty Mutual $2,380 $2,660
Nationwide $2,972 $3,117
Progressive $2,073 $2,086
State Farm $2,070 $2,070
Travelers $2,131 $2,132
USAA $1,779 $1,819

Cheap Bedford, 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 Bedford, Kentucky compared to the annual auto insurance rates with a clean record in Bedford, Kentucky.

Annual Bedford, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,767 $6,227 $6,641 $5,379
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,479 $6,906 $5,367 $4,761
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,956 $5,839 $4,515 $4,813
State Farm $3,449 $4,118 $3,783 $3,783
Travelers $4,349 $4,476 $6,470 $4,672
USAA $2,219 $3,142 $3,746 $2,670

Cheap Bedford, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bedford, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,641
GEICO $7,199
Liberty Mutual $5,367
Nationwide $6,064
Progressive $4,515
State Farm $3,783
Travelers $6,470
USAA $3,746

Cheap Bedford, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bedford, Kentucky

Insurance Company Poor Fair Good
Allstate $7,609 $5,264 $4,388
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,689 $4,725 $3,722
Nationwide $5,647 $4,437 $3,858
Progressive $5,353 $4,655 $4,335
State Farm $5,482 $3,299 $2,569
Travelers $5,573 $4,711 $4,690
USAA $4,399 $2,446 $1,988

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Cheap Bedford, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bedford, Kentucky

ZIP Code Average Annual Rates
40006 $4,100

Cheap Bedford, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bedford, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,754 $5,754
GEICO $4,371 $4,456
Liberty Mutual $5,378 $5,378
Nationwide $4,647 $4,647
Progressive $4,781 $4,781
State Farm $3,693 $3,874
Travelers $4,992 $4,992
USAA $2,835 $3,054

Cheap Bedford, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bedford, Kentucky

Insurance Company Low Medium High
Allstate $5,367 $5,732 $6,161
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,151 $5,350 $5,634
Nationwide $4,735 $4,596 $4,611
Progressive $4,437 $4,726 $5,179
State Farm $3,597 $3,783 $3,969
Travelers $4,780 $5,021 $5,173
USAA $2,827 $2,938 $3,068

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Best By Category: Cheapest Auto Insurance in Bedford, Kentucky

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

Best Annual Auto Insurance Rates by Company in Bedford, Kentucky

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

The Cheapest Bedford, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bedford, Kentucky

Insurance Company Average Annual Rates
Allstate $5,754
GEICO $4,413
Liberty Mutual $5,378
Nationwide $4,647
Progressive $4,781
State Farm $3,783
Travelers $4,992
USAA $2,944

What affects auto insurance rates in Bedford, Kentucky?

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

Bedford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bedford, Kentucky commute length is 22.5 minutes according to City-Data.

Bedford Traffic

How does Bedford, Kentucky rank for traffic? According to Inrix Bedford, Kentucky is the 313th most congested worldwide.

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Compare Bedford, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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