Best Cheap Auto Insurance in Cambridge, KY (2021)

The average Cambridge, KY auto insurance rates are $386 per month. The minimum auto insurance in Cambridge is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Cambridge, 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 cheapest auto insurance company in Cambridge is State Farm
  • The minimum auto insurance required in Cambridge, Kentucky is 25/50/25
  • The average commute length in Cambridge is 24.6 minutes

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

Compare auto insurance in Cambridge to other Kentucky cities, including George auto insurance rates, Richmond auto insurance rates, and Nicholasville auto insurance rates to see how Cambridge, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Cambridge, Kentucky

Cambridge, 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 Cambridge, Kentucky.

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

Auto insurance rates in Cambridge, 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 Cambridge, 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 $3,333 $3,288 $3,029 $3,232 $12,753 $14,332 $3,659 $3,846
GEICO $3,468 $3,207 $3,654 $3,310 $7,561 $8,883 $2,823 $2,416
Liberty Mutual $2,659 $2,876 $2,238 $2,507 $11,699 $12,979 $2,781 $2,896
Nationwide $3,596 $3,570 $3,248 $3,376 $8,253 $10,220 $4,104 $4,280
Progressive $2,340 $2,216 $2,115 $2,119 $11,736 $13,256 $2,899 $2,941
State Farm $1,517 $1,517 $1,357 $1,357 $4,442 $5,666 $1,694 $1,867
Travelers $2,602 $2,646 $2,575 $2,577 $13,141 $21,200 $2,732 $3,122
USAA $1,848 $1,839 $1,685 $1,697 $5,103 $5,348 $2,324 $2,532

Cheap Cambridge, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cambridge, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,753 $14,332
GEICO $7,561 $8,883
Liberty Mutual $11,699 $12,979
Nationwide $8,253 $10,220
Progressive $11,736 $13,256
State Farm $4,442 $5,666
Travelers $13,141 $21,200
USAA $5,103 $5,348

Cheap Cambridge, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cambridge, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,029 $3,232
GEICO $3,654 $3,310
Liberty Mutual $2,238 $2,507
Nationwide $3,248 $3,376
Progressive $2,115 $2,119
State Farm $1,357 $1,357
Travelers $2,575 $2,577
USAA $1,685 $1,697

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

Annual Cambridge, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,898 $6,421 $6,873 $5,544
GEICO $2,629 $4,681 $7,131 $3,221
Liberty Mutual $4,234 $6,523 $5,065 $4,495
Nationwide $4,026 $5,228 $6,628 $4,440
Progressive $4,092 $6,091 $4,662 $4,966
State Farm $2,223 $2,631 $2,427 $2,427
Travelers $5,503 $5,659 $8,236 $5,900
USAA $2,102 $2,973 $3,574 $2,539

Cheap Cambridge, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cambridge, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,873
GEICO $7,131
Liberty Mutual $5,065
Nationwide $6,628
Progressive $4,662
State Farm $2,427
Travelers $8,236
USAA $3,574

Cheap Cambridge, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cambridge, Kentucky

Insurance Company Poor Fair Good
Allstate $7,856 $5,431 $4,515
GEICO $7,262 $3,625 $2,360
Liberty Mutual $7,233 $4,475 $3,530
Nationwide $6,170 $4,859 $4,213
Progressive $5,509 $4,833 $4,517
State Farm $3,509 $2,119 $1,653
Travelers $7,044 $5,975 $5,955
USAA $4,120 $2,347 $1,923

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Cheap Cambridge, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cambridge, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,934 $5,934
GEICO $4,374 $4,457
Liberty Mutual $5,079 $5,079
Nationwide $5,081 $5,081
Progressive $4,953 $4,953
State Farm $2,364 $2,490
Travelers $6,325 $6,325
USAA $2,693 $2,901

Cheap Cambridge, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cambridge, Kentucky

Insurance Company Low Medium High
Allstate $5,451 $5,907 $6,443
GEICO $4,107 $4,419 $4,721
Liberty Mutual $4,830 $5,049 $5,359
Nationwide $5,096 $5,025 $5,121
Progressive $4,504 $4,883 $5,471
State Farm $2,251 $2,427 $2,603
Travelers $5,979 $6,354 $6,640
USAA $2,639 $2,790 $2,961

Best By Category: Cheapest Auto Insurance in Cambridge, Kentucky

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

Best Annual Auto Insurance Rates by Company in Cambridge, Kentucky

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

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The Cheapest Cambridge, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cambridge, Kentucky

Insurance Company Average Annual Rates
Allstate $5,934
GEICO $4,415
Liberty Mutual $5,079
Nationwide $5,081
Progressive $4,953
State Farm $2,427
Travelers $6,325
USAA $2,797

What affects auto insurance rates in Cambridge, Kentucky?

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

Cambridge Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cambridge, Kentucky commute length is 24.6 minutes according to City-Data.

Cambridge Traffic

How does Cambridge, Kentucky rank for traffic? According to Inrix Cambridge, Kentucky is the 234th most congested worldwide.

Compare Cambridge, Kentucky Auto Insurance Quotes

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