Best Cheap Auto Insurance in Sacramento, KY (2021)

The average Sacramento, KY auto insurance rates are $353 per month. The minimum auto insurance in Sacramento is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Sacramento, 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 Sacramento, KY for senior drivers are $2,371 per year
  • The average commute length in Sacramento is 32.7 minutes
  • The most expensive auto insurance company in Sacramento for teen drivers is Travelers

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

Compare auto insurance in Sacramento to other Kentucky cities, including Bowling Green auto insurance rates, Independence auto insurance rates, and Elizabeth auto insurance rates to see how Sacramento, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Sacramento, Kentucky

Sacramento, 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 Sacramento, Kentucky.

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

Auto insurance rates in Sacramento, 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 Sacramento, 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 $3,145 $3,139 $2,817 $3,007 $10,932 $12,279 $3,544 $3,772
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,768 $3,000 $2,361 $2,634 $11,371 $12,564 $2,892 $3,006
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,948 $1,869 $1,733 $1,749 $9,108 $10,309 $2,417 $2,490
State Farm $2,096 $2,096 $1,876 $1,876 $6,355 $8,017 $2,338 $2,632
Travelers $2,251 $2,292 $2,206 $2,213 $10,780 $17,334 $2,349 $2,717
USAA $1,887 $1,905 $1,693 $1,740 $4,875 $5,165 $2,398 $2,644

Cheap Sacramento, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sacramento, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,932 $12,279
GEICO $6,831 $8,150
Liberty Mutual $11,371 $12,564
Nationwide $6,037 $7,550
Progressive $9,108 $10,309
State Farm $6,355 $8,017
Travelers $10,780 $17,334
USAA $4,875 $5,165

Cheap Sacramento, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sacramento, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,817 $3,007
GEICO $3,608 $3,267
Liberty Mutual $2,361 $2,634
Nationwide $2,519 $2,640
Progressive $1,733 $1,749
State Farm $1,876 $1,876
Travelers $2,206 $2,213
USAA $1,693 $1,740

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

Annual Sacramento, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,484 $5,756 $6,074 $5,004
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,230 $6,508 $5,062 $4,499
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,276 $4,813 $3,738 $3,984
State Farm $3,111 $3,711 $3,411 $3,411
Travelers $4,596 $4,728 $6,822 $4,925
USAA $2,103 $2,980 $3,541 $2,530

Cheap Sacramento, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sacramento, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,074
GEICO $6,862
Liberty Mutual $5,062
Nationwide $4,997
Progressive $3,738
State Farm $3,411
Travelers $6,822
USAA $3,541

Cheap Sacramento, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sacramento, Kentucky

Insurance Company Poor Fair Good
Allstate $7,057 $4,860 $4,071
GEICO $6,955 $3,473 $2,264
Liberty Mutual $7,261 $4,452 $3,511
Nationwide $4,672 $3,666 $3,197
Progressive $4,433 $3,846 $3,579
State Farm $4,931 $2,978 $2,324
Travelers $5,876 $4,973 $4,954
USAA $4,165 $2,317 $1,884

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Cheap Sacramento, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sacramento, Kentucky

ZIP Code Average Annual Rates
42372 $3,775

Cheap Sacramento, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sacramento, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,329 $5,329
GEICO $4,191 $4,270
Liberty Mutual $5,075 $5,075
Nationwide $3,845 $3,845
Progressive $3,953 $3,953
State Farm $3,329 $3,492
Travelers $5,268 $5,268
USAA $2,683 $2,894

Cheap Sacramento, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sacramento, Kentucky

Insurance Company Low Medium High
Allstate $4,998 $5,311 $5,679
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,835 $5,042 $5,347
Nationwide $3,908 $3,801 $3,826
Progressive $3,695 $3,916 $4,248
State Farm $3,227 $3,406 $3,600
Travelers $4,996 $5,291 $5,517
USAA $2,673 $2,783 $2,910

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Best By Category: Cheapest Auto Insurance in Sacramento, Kentucky

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

Best Annual Auto Insurance Rates by Company in Sacramento, 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 Sacramento, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sacramento, Kentucky

Insurance Company Average Annual Rates
Allstate $5,329
GEICO $4,231
Liberty Mutual $5,075
Nationwide $3,845
Progressive $3,953
State Farm $3,411
Travelers $5,268
USAA $2,789

What affects auto insurance rates in Sacramento, Kentucky?

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

Sacramento Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sacramento, Kentucky commute length is 32.7 minutes according to City-Data.

Sacramento Traffic

How does Sacramento, Kentucky rank for traffic? According to Inrix Sacramento, Kentucky is the 330th most congested worldwide.

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Compare Sacramento, Kentucky Auto Insurance Quotes

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