Best Cheap Auto Insurance in Stearns, KY (2021)

The average Stearns, KY auto insurance rates are $417 per month. The minimum auto insurance in Stearns is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Stearns, 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 Stearns, Kentucky is 25/50/25
  • The most expensive auto insurance company in Stearns for teen drivers is Travelers
  • The average commute length in Stearns is 29.5 minutes

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

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

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

Minimum Auto Insurance in Stearns, Kentucky

Stearns, 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 Stearns, Kentucky.

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

Auto insurance rates in Stearns, 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 Stearns, 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 $3,369 $3,340 $3,040 $3,243 $12,297 $13,769 $3,745 $3,962
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,876 $3,111 $2,463 $2,740 $12,326 $13,585 $2,993 $3,088
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,402 $2,277 $2,162 $2,167 $11,892 $13,481 $2,981 $3,040
State Farm $2,347 $2,347 $2,103 $2,103 $6,654 $8,420 $2,606 $2,887
Travelers $2,725 $2,776 $2,670 $2,680 $13,402 $21,712 $2,842 $3,292
USAA $2,029 $2,027 $1,836 $1,860 $5,522 $5,798 $2,561 $2,798

Cheap Stearns, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stearns, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,297 $13,769
GEICO $7,942 $9,404
Liberty Mutual $12,326 $13,585
Nationwide $9,302 $11,583
Progressive $11,892 $13,481
State Farm $6,654 $8,420
Travelers $13,402 $21,712
USAA $5,522 $5,798

Cheap Stearns, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stearns, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,040 $3,243
GEICO $4,003 $3,626
Liberty Mutual $2,463 $2,740
Nationwide $3,677 $3,839
Progressive $2,162 $2,167
State Farm $2,103 $2,103
Travelers $2,670 $2,680
USAA $1,836 $1,860

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

Annual Stearns, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,864 $6,321 $6,725 $5,473
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,483 $6,937 $5,388 $4,783
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,171 $6,199 $4,758 $5,072
State Farm $3,384 $3,982 $3,683 $3,683
Travelers $5,676 $5,841 $8,449 $6,083
USAA $2,296 $3,251 $3,900 $2,768

Cheap Stearns, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stearns, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,725
GEICO $7,717
Liberty Mutual $5,388
Nationwide $7,562
Progressive $4,758
State Farm $3,683
Travelers $8,449
USAA $3,900

Cheap Stearns, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stearns, Kentucky

Insurance Company Poor Fair Good
Allstate $7,756 $5,335 $4,446
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,723 $4,742 $3,727
Nationwide $7,021 $5,495 $4,763
Progressive $5,638 $4,923 $4,590
State Farm $5,278 $3,229 $2,543
Travelers $7,267 $6,146 $6,124
USAA $4,532 $2,550 $2,080

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Cheap Stearns, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stearns, Kentucky

ZIP Code Average Annual Rates
42647 $4,521

Cheap Stearns, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stearns, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,846 $5,846
GEICO $4,724 $4,814
Liberty Mutual $5,398 $5,398
Nationwide $5,760 $5,760
Progressive $5,050 $5,050
State Farm $3,594 $3,772
Travelers $6,512 $6,512
USAA $2,940 $3,167

Cheap Stearns, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stearns, Kentucky

Insurance Company Low Medium High
Allstate $5,401 $5,821 $6,315
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,132 $5,361 $5,700
Nationwide $5,806 $5,676 $5,797
Progressive $4,634 $4,972 $5,545
State Farm $3,426 $3,671 $3,953
Travelers $6,153 $6,536 $6,849
USAA $2,904 $3,046 $3,211

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Best By Category: Cheapest Auto Insurance in Stearns, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Stearns, Kentucky

Insurance Company Average Annual Rates
Allstate $5,846
GEICO $4,769
Liberty Mutual $5,398
Nationwide $5,760
Progressive $5,050
State Farm $3,683
Travelers $6,512
USAA $3,054

What affects auto insurance rates in Stearns, Kentucky?

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

Stearns Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stearns, Kentucky commute length is 29.5 minutes according to City-Data.

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Compare Stearns, Kentucky Auto Insurance Quotes

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