Best Cheap Auto Insurance in Saint Charles, KY (2021)

The average Saint Charles, KY auto insurance rates are $346 per month. The minimum auto insurance in Saint Charles is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Saint Charles, 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 Saint Charles, Kentucky is 25/50/25
  • The cheapest auto insurance company in Saint Charles is USAA
  • Average auto insurance rates in Saint Charles, KY for senior drivers are $2,360 per year

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

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

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

Minimum Auto Insurance in Saint Charles, Kentucky

Saint Charles, 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 Saint Charles, Kentucky.

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

Auto insurance rates in Saint Charles, 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 Saint Charles, 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 $3,299 $3,288 $2,953 $3,152 $11,617 $13,044 $3,718 $3,959
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,602 $2,824 $2,237 $2,495 $9,857 $10,873 $2,719 $2,823
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,055 $1,977 $1,822 $1,844 $9,457 $10,696 $2,551 $2,627
State Farm $2,073 $2,073 $1,831 $1,831 $5,542 $6,928 $2,308 $2,534
Travelers $2,151 $2,190 $2,109 $2,113 $10,163 $16,237 $2,247 $2,603
USAA $1,837 $1,850 $1,650 $1,692 $4,780 $5,058 $2,330 $2,565

Cheap Saint Charles, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saint Charles, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,617 $13,044
GEICO $6,831 $8,150
Liberty Mutual $9,857 $10,873
Nationwide $6,037 $7,550
Progressive $9,457 $10,696
State Farm $5,542 $6,928
Travelers $10,163 $16,237
USAA $4,780 $5,058

Cheap Saint Charles, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saint Charles, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,953 $3,152
GEICO $3,608 $3,267
Liberty Mutual $2,237 $2,495
Nationwide $2,519 $2,640
Progressive $1,822 $1,844
State Farm $1,831 $1,831
Travelers $2,109 $2,113
USAA $1,650 $1,692

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

Annual Saint Charles, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,720 $6,084 $6,432 $5,280
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,812 $5,821 $4,538 $4,044
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,422 $5,022 $3,906 $4,165
State Farm $2,895 $3,385 $3,140 $3,140
Travelers $4,340 $4,466 $6,444 $4,656
USAA $2,052 $2,905 $3,456 $2,468

Cheap Saint Charles, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saint Charles, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,432
GEICO $6,862
Liberty Mutual $4,538
Nationwide $4,997
Progressive $3,906
State Farm $3,140
Travelers $6,444
USAA $3,456

Cheap Saint Charles, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saint Charles, Kentucky

Insurance Company Poor Fair Good
Allstate $7,456 $5,135 $4,296
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,511 $3,989 $3,161
Nationwide $4,672 $3,666 $3,197
Progressive $4,643 $4,014 $3,730
State Farm $4,536 $2,742 $2,142
Travelers $5,553 $4,698 $4,679
USAA $4,057 $2,263 $1,841

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Cheap Saint Charles, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saint Charles, Kentucky

ZIP Code Average Annual Rates
42453 $3,693

Cheap Saint Charles, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saint Charles, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,629 $5,629
GEICO $4,191 $4,270
Liberty Mutual $4,554 $4,554
Nationwide $3,845 $3,845
Progressive $4,129 $4,129
State Farm $3,060 $3,220
Travelers $4,977 $4,977
USAA $2,618 $2,822

Cheap Saint Charles, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saint Charles, Kentucky

Insurance Company Low Medium High
Allstate $5,298 $5,610 $5,979
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,354 $4,526 $4,782
Nationwide $3,908 $3,801 $3,826
Progressive $3,860 $4,088 $4,438
State Farm $2,981 $3,134 $3,305
Travelers $4,742 $5,002 $5,186
USAA $2,605 $2,714 $2,841

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Best By Category: Cheapest Auto Insurance in Saint Charles, Kentucky

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

Best Annual Auto Insurance Rates by Company in Saint Charles, 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 Saint Charles, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Saint Charles, Kentucky

Insurance Company Average Annual Rates
Allstate $5,629
GEICO $4,231
Liberty Mutual $4,554
Nationwide $3,845
Progressive $4,129
State Farm $3,140
Travelers $4,977
USAA $2,720

Compare Saint Charles, Kentucky Auto Insurance Quotes

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