Best Cheap Auto Insurance in Coldstream, KY (2021)

The average Coldstream, KY auto insurance rates are $382 per month. The minimum auto insurance in Coldstream is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Coldstream, 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 Coldstream, Kentucky is 25/50/25
  • The average commute length in Coldstream is 20.7 minutes
  • The cheapest auto insurance company in Coldstream is State Farm

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

Compare auto insurance in Coldstream to other Kentucky cities, including Bowling Green auto insurance rates, Owensboro auto insurance rates, and Florence auto insurance rates to see how Coldstream, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Coldstream, Kentucky

Coldstream, 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 Coldstream, Kentucky.

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

Auto insurance rates in Coldstream, 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 Coldstream, 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 $3,154 $3,104 $2,871 $3,061 $12,200 $13,722 $3,447 $3,620
GEICO $3,468 $3,207 $3,654 $3,310 $7,561 $8,883 $2,823 $2,416
Liberty Mutual $2,840 $3,076 $2,391 $2,675 $12,489 $13,849 $2,976 $3,109
Nationwide $3,596 $3,570 $3,248 $3,376 $8,253 $10,220 $4,104 $4,280
Progressive $2,491 $2,358 $2,248 $2,252 $12,511 $14,140 $3,089 $3,143
State Farm $1,533 $1,533 $1,374 $1,374 $4,538 $5,783 $1,713 $1,891
Travelers $2,358 $2,396 $2,338 $2,336 $11,748 $18,843 $2,477 $2,827
USAA $1,788 $1,780 $1,626 $1,639 $4,921 $5,161 $2,248 $2,448

Cheap Coldstream, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Coldstream, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,200 $13,722
GEICO $7,561 $8,883
Liberty Mutual $12,489 $13,849
Nationwide $8,253 $10,220
Progressive $12,511 $14,140
State Farm $4,538 $5,783
Travelers $11,748 $18,843
USAA $4,921 $5,161

Cheap Coldstream, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Coldstream, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,871 $3,061
GEICO $3,654 $3,310
Liberty Mutual $2,391 $2,675
Nationwide $3,248 $3,376
Progressive $2,248 $2,252
State Farm $1,374 $1,374
Travelers $2,338 $2,336
USAA $1,626 $1,639

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

Annual Coldstream, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,646 $6,112 $6,559 $5,272
GEICO $2,629 $4,681 $7,131 $3,221
Liberty Mutual $4,515 $6,971 $5,413 $4,802
Nationwide $4,026 $5,228 $6,628 $4,440
Progressive $4,361 $6,487 $4,972 $5,295
State Farm $2,257 $2,678 $2,467 $2,467
Travelers $4,928 $5,068 $7,376 $5,289
USAA $2,031 $2,872 $3,450 $2,452

Cheap Coldstream, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Coldstream, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,559
GEICO $7,131
Liberty Mutual $5,413
Nationwide $6,628
Progressive $4,972
State Farm $2,467
Travelers $7,376
USAA $3,450

Cheap Coldstream, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Coldstream, Kentucky

Insurance Company Poor Fair Good
Allstate $7,466 $5,174 $4,301
GEICO $7,262 $3,625 $2,360
Liberty Mutual $7,752 $4,770 $3,754
Nationwide $6,170 $4,859 $4,213
Progressive $5,872 $5,151 $4,814
State Farm $3,568 $2,154 $1,680
Travelers $6,310 $5,352 $5,333
USAA $3,986 $2,264 $1,853

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Cheap Coldstream, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Coldstream, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,647 $5,647
GEICO $4,374 $4,457
Liberty Mutual $5,426 $5,426
Nationwide $5,081 $5,081
Progressive $5,279 $5,279
State Farm $2,403 $2,532
Travelers $5,665 $5,665
USAA $2,602 $2,801

Cheap Coldstream, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Coldstream, Kentucky

Insurance Company Low Medium High
Allstate $5,210 $5,623 $6,109
GEICO $4,107 $4,419 $4,721
Liberty Mutual $5,162 $5,393 $5,721
Nationwide $5,096 $5,025 $5,121
Progressive $4,836 $5,214 $5,787
State Farm $2,289 $2,467 $2,646
Travelers $5,370 $5,694 $5,932
USAA $2,560 $2,695 $2,849

Best By Category: Cheapest Auto Insurance in Coldstream, Kentucky

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

Best Annual Auto Insurance Rates by Company in Coldstream, 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

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The Cheapest Coldstream, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Coldstream, Kentucky

Insurance Company Average Annual Rates
Allstate $5,647
GEICO $4,415
Liberty Mutual $5,426
Nationwide $5,081
Progressive $5,279
State Farm $2,467
Travelers $5,665
USAA $2,701

What affects auto insurance rates in Coldstream, Kentucky?

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

Coldstream Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Coldstream, Kentucky commute length is 20.7 minutes according to City-Data.

Compare Coldstream, Kentucky Auto Insurance Quotes

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