Best Cheap Auto Insurance in California, KY (2021)

The average California, KY auto insurance rates are $319 per month. The minimum auto insurance in California is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in California, 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: Jul 16, 2021

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Things to Remember

  • The average commute length in California is 21.1 minutes
  • Average auto insurance rates in California, KY for senior drivers are $2,130 per year
  • The minimum auto insurance required in California, Kentucky is 25/50/25

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

Compare auto insurance in California to other Kentucky cities, including Hopkinsville auto insurance rates, Bowling Green auto insurance rates, and Elizabeth auto insurance rates to see how California, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in California, Kentucky

California, 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 California, Kentucky.

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

Auto insurance rates in California, 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 California, 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 $3,052 $3,012 $2,766 $2,949 $11,586 $13,028 $3,363 $3,545
GEICO $3,156 $2,920 $3,304 $2,992 $6,546 $7,739 $2,573 $2,217
Liberty Mutual $2,517 $2,725 $2,148 $2,396 $10,209 $11,279 $2,631 $2,734
Nationwide $2,572 $2,570 $2,336 $2,431 $5,699 $7,063 $2,908 $3,044
Progressive $1,826 $1,732 $1,646 $1,648 $9,046 $10,242 $2,263 $2,316
State Farm $1,557 $1,557 $1,397 $1,397 $4,701 $5,964 $1,740 $1,938
Travelers $1,852 $1,883 $1,829 $1,829 $8,816 $14,063 $1,942 $2,220
USAA $1,649 $1,641 $1,497 $1,508 $4,533 $4,755 $2,072 $2,253

Cheap California, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in California, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,586 $13,028
GEICO $6,546 $7,739
Liberty Mutual $10,209 $11,279
Nationwide $5,699 $7,063
Progressive $9,046 $10,242
State Farm $4,701 $5,964
Travelers $8,816 $14,063
USAA $4,533 $4,755

Cheap California, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in California, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,766 $2,949
GEICO $3,304 $2,992
Liberty Mutual $2,148 $2,396
Nationwide $2,336 $2,431
Progressive $1,646 $1,648
State Farm $1,397 $1,397
Travelers $1,829 $1,829
USAA $1,497 $1,508

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

Annual California, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,469 $5,858 $6,268 $5,057
GEICO $2,346 $4,168 $6,335 $2,874
Liberty Mutual $3,827 $5,865 $4,567 $4,062
Nationwide $2,872 $3,676 $4,615 $3,149
Progressive $3,177 $4,704 $3,623 $3,856
State Farm $2,310 $2,753 $2,531 $2,531
Travelers $3,755 $3,861 $5,576 $4,024
USAA $1,873 $2,645 $3,177 $2,259

Cheap California, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in California, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,268
GEICO $6,335
Liberty Mutual $4,567
Nationwide $4,615
Progressive $3,623
State Farm $2,531
Travelers $5,576
USAA $3,177

Cheap California, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in California, Kentucky

Insurance Company Poor Fair Good
Allstate $7,151 $4,958 $4,129
GEICO $6,463 $3,227 $2,102
Liberty Mutual $6,534 $4,024 $3,183
Nationwide $4,327 $3,424 $2,983
Progressive $4,272 $3,747 $3,501
State Farm $3,661 $2,210 $1,723
Travelers $4,792 $4,068 $4,053
USAA $3,677 $2,084 $1,705

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Cheap California, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in California, Kentucky

ZIP Code Average Annual Rates
41007 $3,430

Cheap California, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in California, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,413 $5,413
GEICO $3,894 $3,968
Liberty Mutual $4,580 $4,580
Nationwide $3,578 $3,578
Progressive $3,840 $3,840
State Farm $2,467 $2,595
Travelers $4,304 $4,304
USAA $2,398 $2,579

Cheap California, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in California, Kentucky

Insurance Company Low Medium High
Allstate $5,035 $5,392 $5,812
GEICO $3,674 $3,916 $4,203
Liberty Mutual $4,379 $4,553 $4,808
Nationwide $3,592 $3,541 $3,601
Progressive $3,555 $3,800 $4,164
State Farm $2,367 $2,531 $2,697
Travelers $4,088 $4,328 $4,497
USAA $2,369 $2,483 $2,613

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Best By Category: Cheapest Auto Insurance in California, Kentucky

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

Best Annual Auto Insurance Rates by Company in California, 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 California, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in California, Kentucky

Insurance Company Average Annual Rates
Allstate $5,413
GEICO $3,931
Liberty Mutual $4,580
Nationwide $3,578
Progressive $3,840
State Farm $2,531
Travelers $4,304
USAA $2,489

What affects auto insurance rates in California, Kentucky?

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

California Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average California, Kentucky commute length is 21.1 minutes according to City-Data.

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Compare California, Kentucky Auto Insurance Quotes

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

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