Best Cheap Auto Insurance in Cumberland, KY (2021)

The average Cumberland, KY auto insurance rates are $547 per month. The minimum auto insurance in Cumberland is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Cumberland, 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

  • Average auto insurance rates in Cumberland, KY for senior drivers are $3,594 per year
  • The cheapest auto insurance company in Cumberland is USAA
  • The average commute length in Cumberland is 19.6 minutes

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

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

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

Minimum Auto Insurance in Cumberland, Kentucky

Cumberland, 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 Cumberland, Kentucky.

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

Auto insurance rates in Cumberland, 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 Cumberland, 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 $5,560 $5,486 $5,102 $5,415 $20,181 $22,366 $6,045 $6,320
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,421 $4,806 $3,690 $4,149 $19,867 $22,076 $4,646 $4,881
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,662 $2,513 $2,405 $2,409 $13,396 $15,173 $3,303 $3,345
State Farm $2,293 $2,293 $2,045 $2,045 $6,322 $8,012 $2,542 $2,807
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Cheap Cumberland, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cumberland, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,181 $22,366
GEICO $8,902 $10,417
Liberty Mutual $19,867 $22,076
Nationwide $13,093 $16,143
Progressive $13,396 $15,173
State Farm $6,322 $8,012
Travelers $17,425 $28,270
USAA $5,756 $6,065

Cheap Cumberland, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cumberland, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,102 $5,415
GEICO $4,595 $4,158
Liberty Mutual $3,690 $4,149
Nationwide $5,260 $5,461
Progressive $2,405 $2,409
State Farm $2,045 $2,045
Travelers $3,397 $3,410
USAA $1,955 $1,999

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

Annual Cumberland, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,952 $10,314 $11,017 $8,954
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,103 $11,043 $8,550 $7,572
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,662 $6,958 $5,318 $5,666
State Farm $3,268 $3,821 $3,545 $3,545
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,436 $3,454 $4,127 $2,933

Cheap Cumberland, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cumberland, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,017
GEICO $8,597
Liberty Mutual $8,550
Nationwide $10,669
Progressive $5,318
State Farm $3,545
Travelers $10,948
USAA $4,127

Cheap Cumberland, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cumberland, Kentucky

Insurance Company Poor Fair Good
Allstate $12,889 $8,658 $7,131
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,325 $7,503 $5,873
Nationwide $9,986 $7,742 $6,667
Progressive $6,303 $5,511 $5,138
State Farm $5,076 $3,109 $2,450
Travelers $9,396 $7,939 $7,911
USAA $4,820 $2,697 $2,196

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Cheap Cumberland, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cumberland, Kentucky

ZIP Code Average Annual Rates
40823 $5,917

Cheap Cumberland, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cumberland, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,559 $9,559
GEICO $5,341 $5,438
Liberty Mutual $8,567 $8,567
Nationwide $8,132 $8,132
Progressive $5,651 $5,651
State Farm $3,459 $3,631
Travelers $8,415 $8,415
USAA $3,114 $3,361

Cheap Cumberland, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cumberland, Kentucky

Insurance Company Low Medium High
Allstate $8,332 $9,480 $10,866
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,116 $8,511 $9,074
Nationwide $8,122 $7,993 $8,280
Progressive $5,149 $5,551 $6,253
State Farm $3,300 $3,532 $3,803
Travelers $7,963 $8,447 $8,836
USAA $3,078 $3,229 $3,405

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Best By Category: Cheapest Auto Insurance in Cumberland, Kentucky

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

Best Annual Auto Insurance Rates by Company in Cumberland, Kentucky

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

The Cheapest Cumberland, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cumberland, Kentucky

Insurance Company Average Annual Rates
Allstate $9,559
GEICO $5,390
Liberty Mutual $8,567
Nationwide $8,132
Progressive $5,651
State Farm $3,545
Travelers $8,415
USAA $3,238

What affects auto insurance rates in Cumberland, Kentucky?

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

Cumberland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cumberland, Kentucky commute length is 19.6 minutes according to City-Data.

Cumberland Traffic

How does Cumberland, Kentucky rank for traffic? According to Inrix Cumberland, Kentucky is the 936th most congested worldwide.

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Compare Cumberland, Kentucky Auto Insurance Quotes

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

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