Best Cheap Auto Insurance in Sturgis, KY (2021)

The average Sturgis, KY auto insurance rates are $342 per month. The minimum auto insurance in Sturgis is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Sturgis, 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 15, 2021

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Things to Remember

  • The cheapest auto insurance company in Sturgis is USAA
  • Average auto insurance rates in Sturgis, KY for senior drivers are $2,329 per year
  • The average commute length in Sturgis is 19.8 minutes

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

Compare auto insurance in Sturgis to other Kentucky cities, including Elizabeth auto insurance rates, Owensboro auto insurance rates, and Hopkinsville auto insurance rates to see how Sturgis, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Sturgis, Kentucky

Sturgis, 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 Sturgis, Kentucky.

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

Auto insurance rates in Sturgis, 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 Sturgis, 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 $3,311 $3,310 $2,954 $3,157 $11,481 $12,896 $3,754 $4,005
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,626 $2,849 $2,251 $2,511 $10,090 $11,135 $2,748 $2,861
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,148 $2,074 $1,897 $1,925 $9,706 $10,972 $2,668 $2,751
State Farm $2,063 $2,063 $1,840 $1,840 $6,280 $7,923 $2,304 $2,602
Travelers $1,883 $1,917 $1,845 $1,849 $8,716 $13,909 $1,965 $2,273
USAA $1,743 $1,752 $1,568 $1,603 $4,587 $4,842 $2,207 $2,424

Cheap Sturgis, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sturgis, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,481 $12,896
GEICO $6,831 $8,150
Liberty Mutual $10,090 $11,135
Nationwide $6,037 $7,550
Progressive $9,706 $10,972
State Farm $6,280 $7,923
Travelers $8,716 $13,909
USAA $4,587 $4,842

Cheap Sturgis, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sturgis, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,954 $3,157
GEICO $3,608 $3,267
Liberty Mutual $2,251 $2,511
Nationwide $2,519 $2,640
Progressive $1,897 $1,925
State Farm $1,840 $1,840
Travelers $1,845 $1,849
USAA $1,568 $1,603

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

Annual Sturgis, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,723 $6,060 $6,384 $5,266
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,877 $5,926 $4,620 $4,114
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,539 $5,182 $4,040 $4,310
State Farm $3,068 $3,661 $3,364 $3,364
Travelers $3,752 $3,860 $5,546 $4,021
USAA $1,953 $2,763 $3,296 $2,350

Cheap Sturgis, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sturgis, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,384
GEICO $6,862
Liberty Mutual $4,620
Nationwide $4,997
Progressive $4,040
State Farm $3,364
Travelers $5,546
USAA $3,296

Cheap Sturgis, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sturgis, Kentucky

Insurance Company Poor Fair Good
Allstate $7,426 $5,113 $4,286
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,630 $4,059 $3,213
Nationwide $4,672 $3,666 $3,197
Progressive $4,812 $4,145 $3,846
State Farm $4,876 $2,934 $2,283
Travelers $4,789 $4,056 $4,039
USAA $3,856 $2,158 $1,758

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Cheap Sturgis, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sturgis, Kentucky

ZIP Code Average Annual Rates
42459 $3,630

Cheap Sturgis, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sturgis, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,608 $5,608
GEICO $4,191 $4,270
Liberty Mutual $4,634 $4,634
Nationwide $3,845 $3,845
Progressive $4,268 $4,268
State Farm $3,284 $3,444
Travelers $4,295 $4,295
USAA $2,494 $2,687

Cheap Sturgis, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sturgis, Kentucky

Insurance Company Low Medium High
Allstate $5,284 $5,590 $5,951
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,438 $4,607 $4,857
Nationwide $3,908 $3,801 $3,826
Progressive $3,999 $4,227 $4,577
State Farm $3,207 $3,363 $3,523
Travelers $4,087 $4,316 $4,481
USAA $2,479 $2,585 $2,708

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Best By Category: Cheapest Auto Insurance in Sturgis, Kentucky

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

Best Annual Auto Insurance Rates by Company in Sturgis, Kentucky

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

The Cheapest Sturgis, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sturgis, Kentucky

Insurance Company Average Annual Rates
Allstate $5,608
GEICO $4,231
Liberty Mutual $4,634
Nationwide $3,845
Progressive $4,268
State Farm $3,364
Travelers $4,295
USAA $2,591

What affects auto insurance rates in Sturgis, Kentucky?

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

Sturgis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sturgis, Kentucky commute length is 19.8 minutes according to City-Data.

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Compare Sturgis, Kentucky Auto Insurance Quotes

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