Best Cheap Auto Insurance in Cold Spring, KY (2021)

The average Cold Spring, KY auto insurance rates are $311 per month. The minimum auto insurance in Cold Spring is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Cold Spring, 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 Cold Spring is State Farm
  • Average auto insurance rates in Cold Spring, KY for senior drivers are $2,052 per year
  • The most expensive auto insurance company in Cold Spring for teen drivers is Liberty Mutual

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

Compare auto insurance in Cold Spring to other Kentucky cities, including Florence auto insurance rates, Owensboro auto insurance rates, and Covington auto insurance rates to see how Cold Spring, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Cold Spring, Kentucky

Cold Spring, 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 Cold Spring, Kentucky.

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

Auto insurance rates in Cold Spring, 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 Cold Spring, 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 $2,988 $2,950 $2,709 $2,889 $11,287 $12,697 $3,291 $3,468
GEICO $3,007 $2,780 $3,153 $2,855 $6,355 $7,510 $2,450 $2,106
Liberty Mutual $2,656 $2,874 $2,221 $2,485 $11,610 $12,887 $2,801 $2,952
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,762 $1,670 $1,591 $1,593 $8,739 $9,872 $2,180 $2,224
State Farm $1,430 $1,430 $1,283 $1,283 $4,271 $5,428 $1,597 $1,771
Travelers $1,706 $1,734 $1,685 $1,686 $8,034 $12,808 $1,787 $2,038
USAA $1,649 $1,641 $1,497 $1,508 $4,533 $4,755 $2,072 $2,253

Cheap Cold Spring, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cold Spring, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,287 $12,697
GEICO $6,355 $7,510
Liberty Mutual $11,610 $12,887
Nationwide $5,248 $6,510
Progressive $8,739 $9,872
State Farm $4,271 $5,428
Travelers $8,034 $12,808
USAA $4,533 $4,755

Cheap Cold Spring, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cold Spring, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,709 $2,889
GEICO $3,153 $2,855
Liberty Mutual $2,221 $2,485
Nationwide $2,153 $2,240
Progressive $1,591 $1,593
State Farm $1,283 $1,283
Travelers $1,685 $1,686
USAA $1,497 $1,508

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

Annual Cold Spring, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,369 $5,718 $6,114 $4,939
GEICO $2,260 $4,006 $6,074 $2,768
Liberty Mutual $4,222 $6,492 $5,049 $4,479
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,066 $4,540 $3,493 $3,716
State Farm $2,112 $2,511 $2,312 $2,312
Travelers $3,437 $3,532 $5,090 $3,681
USAA $1,873 $2,645 $3,177 $2,259

Cheap Cold Spring, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cold Spring, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,114
GEICO $6,074
Liberty Mutual $5,049
Nationwide $4,227
Progressive $3,493
State Farm $2,312
Travelers $5,090
USAA $3,177

Cheap Cold Spring, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cold Spring, Kentucky

Insurance Company Poor Fair Good
Allstate $6,980 $4,841 $4,034
GEICO $6,211 $3,100 $2,020
Liberty Mutual $7,219 $4,450 $3,513
Nationwide $3,971 $3,159 $2,757
Progressive $4,115 $3,615 $3,382
State Farm $3,341 $2,018 $1,576
Travelers $4,378 $3,720 $3,706
USAA $3,677 $2,084 $1,705

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Cheap Cold Spring, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cold Spring, Kentucky

ZIP Code Average Annual Rates
41076 $3,333

Cheap Cold Spring, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cold Spring, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,285 $5,285
GEICO $3,742 $3,812
Liberty Mutual $5,061 $5,061
Nationwide $3,295 $3,295
Progressive $3,704 $3,704
State Farm $2,252 $2,371
Travelers $3,935 $3,935
USAA $2,398 $2,579

Cheap Cold Spring, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cold Spring, Kentucky

Insurance Company Low Medium High
Allstate $4,911 $5,264 $5,680
GEICO $3,526 $3,764 $4,041
Liberty Mutual $4,866 $5,037 $5,279
Nationwide $3,289 $3,267 $3,330
Progressive $3,413 $3,668 $4,032
State Farm $2,152 $2,310 $2,472
Travelers $3,732 $3,956 $4,117
USAA $2,369 $2,483 $2,613

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Best By Category: Cheapest Auto Insurance in Cold Spring, Kentucky

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

Best Annual Auto Insurance Rates by Company in Cold Spring, Kentucky

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

The Cheapest Cold Spring, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cold Spring, Kentucky

Insurance Company Average Annual Rates
Allstate $5,285
GEICO $3,777
Liberty Mutual $5,061
Nationwide $3,295
Progressive $3,704
State Farm $2,312
Travelers $3,935
USAA $2,489

What affects auto insurance rates in Cold Spring, Kentucky?

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

Cold Spring Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cold Spring, Kentucky commute length is 22.6 minutes according to City-Data.

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Compare Cold Spring, Kentucky Auto Insurance Quotes

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

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

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