Best Cheap Auto Insurance in Horse Cave, KY (2021)

The average Horse Cave, KY auto insurance rates are $361 per month. The minimum auto insurance in Horse Cave is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Horse Cave, 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 Horse Cave, Kentucky is 25/50/25
  • The most expensive auto insurance company in Horse Cave for teen drivers is Travelers
  • The average commute length in Horse Cave is 18.3 minutes

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

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

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

Minimum Auto Insurance in Horse Cave, Kentucky

Horse Cave, 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 Horse Cave, Kentucky.

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

Auto insurance rates in Horse Cave, 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 Horse Cave, 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 $2,968 $2,939 $2,681 $2,856 $10,845 $12,178 $3,292 $3,482
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,918 $3,176 $2,513 $2,816 $10,549 $11,656 $3,039 $3,148
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,134 $2,042 $1,905 $1,922 $10,085 $11,404 $2,647 $2,708
State Farm $2,024 $2,024 $1,809 $1,809 $6,020 $7,615 $2,258 $2,528
Travelers $2,521 $2,569 $2,465 $2,471 $11,974 $19,168 $2,631 $3,070
USAA $1,705 $1,705 $1,548 $1,570 $4,560 $4,791 $2,145 $2,344

Cheap Horse Cave, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Horse Cave, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,845 $12,178
GEICO $6,851 $8,131
Liberty Mutual $10,549 $11,656
Nationwide $6,819 $8,506
Progressive $10,085 $11,404
State Farm $6,020 $7,615
Travelers $11,974 $19,168
USAA $4,560 $4,791

Cheap Horse Cave, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Horse Cave, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,681 $2,856
GEICO $3,510 $3,179
Liberty Mutual $2,513 $2,816
Nationwide $2,800 $2,930
Progressive $1,905 $1,922
State Farm $1,809 $1,809
Travelers $2,465 $2,471
USAA $1,548 $1,570

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

Annual Horse Cave, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,285 $5,573 $5,937 $4,825
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,172 $6,361 $4,955 $4,420
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,606 $5,320 $4,113 $4,385
State Farm $2,981 $3,540 $3,261 $3,261
Travelers $5,105 $5,256 $7,592 $5,482
USAA $1,921 $2,711 $3,239 $2,313

Cheap Horse Cave, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Horse Cave, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,937
GEICO $6,731
Liberty Mutual $4,955
Nationwide $5,612
Progressive $4,113
State Farm $3,261
Travelers $7,592
USAA $3,239

Cheap Horse Cave, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Horse Cave, Kentucky

Insurance Company Poor Fair Good
Allstate $6,818 $4,714 $3,933
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,134 $4,350 $3,447
Nationwide $5,239 $4,104 $3,569
Progressive $4,885 $4,239 $3,944
State Farm $4,712 $2,847 $2,223
Travelers $6,547 $5,526 $5,502
USAA $3,769 $2,129 $1,740

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Cheap Horse Cave, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Horse Cave, Kentucky

ZIP Code Average Annual Rates
42749 $3,886

Cheap Horse Cave, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Horse Cave, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,155 $5,155
GEICO $4,119 $4,197
Liberty Mutual $4,977 $4,977
Nationwide $4,304 $4,304
Progressive $4,356 $4,356
State Farm $3,182 $3,340
Travelers $5,859 $5,859
USAA $2,451 $2,641

Cheap Horse Cave, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Horse Cave, Kentucky

Insurance Company Low Medium High
Allstate $4,816 $5,136 $5,513
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,711 $4,940 $5,279
Nationwide $4,380 $4,252 $4,281
Progressive $4,024 $4,300 $4,743
State Farm $3,074 $3,256 $3,452
Travelers $5,590 $5,887 $6,099
USAA $2,411 $2,539 $2,688

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Best By Category: Cheapest Auto Insurance in Horse Cave, Kentucky

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

Best Annual Auto Insurance Rates by Company in Horse Cave, Kentucky

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

The Cheapest Horse Cave, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Horse Cave, Kentucky

Insurance Company Average Annual Rates
Allstate $5,155
GEICO $4,158
Liberty Mutual $4,977
Nationwide $4,304
Progressive $4,356
State Farm $3,261
Travelers $5,859
USAA $2,546

What affects auto insurance rates in Horse Cave, Kentucky?

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

Horse Cave Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Horse Cave, Kentucky commute length is 18.3 minutes according to City-Data.

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Compare Horse Cave, Kentucky Auto Insurance Quotes

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