Best Cheap Auto Insurance in Stanford, KY (2021)

The average Stanford, KY auto insurance rates are $384 per month. The minimum auto insurance in Stanford is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Stanford, 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: Jul 17, 2021

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Things to Remember

  • The minimum auto insurance required in Stanford, Kentucky is 25/50/25
  • The most expensive auto insurance company in Stanford for teen drivers is Travelers
  • The cheapest auto insurance company in Stanford is State Farm

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

Compare auto insurance in Stanford to other Kentucky cities, including Nicholasville auto insurance rates, Independence auto insurance rates, and Elizabeth auto insurance rates to see how Stanford, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Stanford, Kentucky

Stanford, 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 Stanford, Kentucky.

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

Auto insurance rates in Stanford, 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 Stanford, 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 $3,171 $3,131 $2,871 $3,061 $11,936 $13,400 $3,497 $3,689
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,560 $2,769 $2,168 $2,420 $11,126 $12,315 $2,676 $2,784
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,206 $2,091 $1,987 $1,991 $10,930 $12,380 $2,736 $2,790
State Farm $1,873 $1,873 $1,671 $1,671 $5,401 $6,856 $2,086 $2,314
Travelers $2,543 $2,592 $2,484 $2,491 $12,066 $19,320 $2,653 $3,100
USAA $2,085 $2,080 $1,884 $1,906 $5,707 $5,992 $2,630 $2,871

Cheap Stanford, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stanford, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,936 $13,400
GEICO $7,942 $9,404
Liberty Mutual $11,126 $12,315
Nationwide $7,948 $9,875
Progressive $10,930 $12,380
State Farm $5,401 $6,856
Travelers $12,066 $19,320
USAA $5,707 $5,992

Cheap Stanford, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stanford, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,871 $3,061
GEICO $4,003 $3,626
Liberty Mutual $2,168 $2,420
Nationwide $3,188 $3,325
Progressive $1,987 $1,991
State Farm $1,671 $1,671
Travelers $2,484 $2,491
USAA $1,884 $1,906

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

Annual Stanford, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,625 $6,054 $6,472 $5,228
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,041 $6,229 $4,841 $4,298
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $3,834 $5,693 $4,372 $4,657
State Farm $2,724 $3,213 $2,968 $2,968
Travelers $5,147 $5,299 $7,652 $5,526
USAA $2,363 $3,346 $4,020 $2,849

Cheap Stanford, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stanford, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,472
GEICO $7,717
Liberty Mutual $4,841
Nationwide $6,470
Progressive $4,372
State Farm $2,968
Travelers $7,652
USAA $4,020

Cheap Stanford, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stanford, Kentucky

Insurance Company Poor Fair Good
Allstate $7,403 $5,119 $4,261
GEICO $7,842 $3,915 $2,550
Liberty Mutual $6,922 $4,270 $3,365
Nationwide $6,028 $4,724 $4,097
Progressive $5,172 $4,524 $4,221
State Farm $4,279 $2,595 $2,031
Travelers $6,601 $5,571 $5,547
USAA $4,670 $2,624 $2,139

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Cheap Stanford, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stanford, Kentucky

ZIP Code Average Annual Rates
40484 $4,147

Cheap Stanford, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stanford, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,595 $5,595
GEICO $4,724 $4,814
Liberty Mutual $4,852 $4,852
Nationwide $4,949 $4,949
Progressive $4,639 $4,639
State Farm $2,895 $3,042
Travelers $5,906 $5,906
USAA $3,029 $3,260

Cheap Stanford, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stanford, Kentucky

Insurance Company Low Medium High
Allstate $5,190 $5,572 $6,022
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,621 $4,823 $5,114
Nationwide $5,017 $4,889 $4,942
Progressive $4,259 $4,573 $5,084
State Farm $2,777 $2,964 $3,163
Travelers $5,637 $5,935 $6,146
USAA $2,998 $3,137 $3,299

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Best By Category: Cheapest Auto Insurance in Stanford, Kentucky

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

Best Annual Auto Insurance Rates by Company in Stanford, Kentucky

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

The Cheapest Stanford, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Stanford, Kentucky

Insurance Company Average Annual Rates
Allstate $5,595
GEICO $4,769
Liberty Mutual $4,852
Nationwide $4,949
Progressive $4,639
State Farm $2,968
Travelers $5,906
USAA $3,145

What affects auto insurance rates in Stanford, Kentucky?

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

Stanford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stanford, Kentucky commute length is 27.2 minutes according to City-Data.

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Compare Stanford, Kentucky Auto Insurance Quotes

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

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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