Best Cheap Auto Insurance in Springfield, KY (2021)

The average Springfield, KY auto insurance rates are $387 per month. The minimum auto insurance in Springfield is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Springfield, 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 Springfield, Kentucky is 25/50/25
  • The most expensive auto insurance company in Springfield for teen drivers is Travelers
  • The average commute length in Springfield is 18.7 minutes

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

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

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

Minimum Auto Insurance in Springfield, Kentucky

Springfield, 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 Springfield, Kentucky.

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

Auto insurance rates in Springfield, 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 Springfield, 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 $3,162 $3,121 $2,867 $3,055 $11,831 $13,282 $3,482 $3,670
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $2,678 $2,899 $2,281 $2,547 $11,392 $12,598 $2,791 $2,888
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,254 $2,144 $2,023 $2,032 $11,016 $12,476 $2,797 $2,860
State Farm $1,974 $1,974 $1,757 $1,757 $5,827 $7,397 $2,204 $2,459
Travelers $2,556 $2,605 $2,503 $2,511 $12,375 $19,930 $2,669 $3,098
USAA $1,984 $1,985 $1,791 $1,819 $5,340 $5,620 $2,506 $2,742

Cheap Springfield, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Springfield, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,831 $13,282
GEICO $8,260 $9,795
Liberty Mutual $11,392 $12,598
Nationwide $7,618 $9,461
Progressive $11,016 $12,476
State Farm $5,827 $7,397
Travelers $12,375 $19,930
USAA $5,340 $5,620

Cheap Springfield, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Springfield, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,867 $3,055
GEICO $4,219 $3,821
Liberty Mutual $2,281 $2,547
Nationwide $3,031 $3,157
Progressive $2,023 $2,032
State Farm $1,757 $1,757
Travelers $2,503 $2,511
USAA $1,791 $1,819

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

Annual Springfield, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,598 $6,012 $6,428 $5,196
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,172 $6,431 $4,996 $4,438
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,886 $5,758 $4,433 $4,724
State Farm $2,901 $3,436 $3,169 $3,169
Travelers $5,257 $5,410 $7,820 $5,637
USAA $2,238 $3,167 $3,791 $2,697

Cheap Springfield, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Springfield, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,428
GEICO $8,093
Liberty Mutual $4,996
Nationwide $6,153
Progressive $4,433
State Farm $3,169
Travelers $7,820
USAA $3,791

Cheap Springfield, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Springfield, Kentucky

Insurance Company Poor Fair Good
Allstate $7,361 $5,084 $4,231
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,150 $4,405 $3,472
Nationwide $5,732 $4,513 $3,919
Progressive $5,250 $4,581 $4,271
State Farm $4,591 $2,763 $2,151
Travelers $6,731 $5,692 $5,670
USAA $4,419 $2,480 $2,021

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Cheap Springfield, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Springfield, Kentucky

ZIP Code Average Annual Rates
40069 $4,179

Cheap Springfield, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Springfield, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,559 $5,559
GEICO $4,955 $5,049
Liberty Mutual $5,009 $5,009
Nationwide $4,721 $4,721
Progressive $4,700 $4,700
State Farm $3,090 $3,247
Travelers $6,031 $6,031
USAA $2,863 $3,084

Cheap Springfield, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Springfield, Kentucky

Insurance Company Low Medium High
Allstate $5,154 $5,536 $5,986
GEICO $4,666 $4,987 $5,353
Liberty Mutual $4,751 $4,975 $5,301
Nationwide $4,750 $4,668 $4,746
Progressive $4,337 $4,640 $5,124
State Farm $2,990 $3,168 $3,347
Travelers $5,726 $6,058 $6,309
USAA $2,836 $2,966 $3,118

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Best By Category: Cheapest Auto Insurance in Springfield, Kentucky

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

Best Annual Auto Insurance Rates by Company in Springfield, Kentucky

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

The Cheapest Springfield, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Springfield, Kentucky

Insurance Company Average Annual Rates
Allstate $5,559
GEICO $5,002
Liberty Mutual $5,009
Nationwide $4,721
Progressive $4,700
State Farm $3,169
Travelers $6,031
USAA $2,973

What affects auto insurance rates in Springfield, Kentucky?

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

Springfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Kentucky commute length is 18.7 minutes according to City-Data.

Springfield Traffic

How does Springfield, Kentucky rank for traffic? According to Inrix Springfield, Kentucky is the 830th most congested worldwide.

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Compare Springfield, Kentucky Auto Insurance Quotes

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