Best Cheap Auto Insurance in Tram, KY (2021)

The average Tram, KY auto insurance rates are $578 per month. The minimum auto insurance in Tram is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Tram, 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 cheapest auto insurance company in Tram is USAA
  • Average auto insurance rates in Tram, KY for senior drivers are $3,785 per year
  • The minimum auto insurance required in Tram, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in Tram, Kentucky

Tram, 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 Tram, Kentucky.

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

Auto insurance rates in Tram, 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 Tram, 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 $5,387 $5,301 $4,961 $5,261 $19,836 $21,973 $5,819 $6,068
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,863 $5,299 $4,161 $4,682 $19,823 $21,945 $5,032 $5,170
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,310 $3,116 $3,015 $3,007 $17,152 $19,466 $4,110 $4,132
State Farm $2,639 $2,639 $2,371 $2,371 $7,103 $8,745 $2,938 $3,196
Travelers $4,016 $4,090 $3,958 $3,963 $20,555 $33,336 $4,202 $4,866
USAA $2,086 $2,099 $1,883 $1,927 $5,515 $5,811 $2,647 $2,914

Cheap Tram, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Tram, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,836 $21,973
GEICO $8,902 $10,417
Liberty Mutual $19,823 $21,945
Nationwide $12,492 $15,331
Progressive $17,152 $19,466
State Farm $7,103 $8,745
Travelers $20,555 $33,336
USAA $5,515 $5,811

Cheap Tram, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Tram, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,961 $5,261
GEICO $4,595 $4,158
Liberty Mutual $4,161 $4,682
Nationwide $5,035 $5,213
Progressive $3,015 $3,007
State Farm $2,371 $2,371
Travelers $3,958 $3,963
USAA $1,883 $1,927

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

Annual Tram, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,729 $10,064 $10,783 $8,727
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,366 $11,427 $8,841 $7,854
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,899 $8,868 $6,717 $7,169
State Farm $3,669 $4,332 $4,000 $4,000
Travelers $8,576 $8,828 $12,875 $9,215
USAA $2,341 $3,319 $3,962 $2,818

Cheap Tram, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Tram, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,783
GEICO $8,597
Liberty Mutual $8,841
Nationwide $10,149
Progressive $6,717
State Farm $4,000
Travelers $12,875
USAA $3,962

Cheap Tram, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Tram, Kentucky

Insurance Company Poor Fair Good
Allstate $12,575 $8,452 $6,951
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,778 $7,758 $6,079
Nationwide $9,520 $7,384 $6,351
Progressive $7,971 $6,991 $6,528
State Farm $5,740 $3,505 $2,756
Travelers $11,031 $9,310 $9,279
USAA $4,625 $2,592 $2,113

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Cheap Tram, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Tram, Kentucky

ZIP Code Average Annual Rates
41663 $6,317

Cheap Tram, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Tram, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,326 $9,326
GEICO $5,341 $5,438
Liberty Mutual $8,872 $8,872
Nationwide $7,752 $7,752
Progressive $7,163 $7,163
State Farm $3,895 $4,105
Travelers $9,873 $9,873
USAA $2,991 $3,229

Cheap Tram, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Tram, Kentucky

Insurance Company Low Medium High
Allstate $8,099 $9,247 $10,632
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,254 $8,790 $9,571
Nationwide $7,743 $7,625 $7,887
Progressive $6,340 $6,981 $8,169
State Farm $3,743 $3,988 $4,270
Travelers $9,335 $9,905 $10,380
USAA $2,950 $3,102 $3,279

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Best By Category: Cheapest Auto Insurance in Tram, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Tram, Kentucky

Insurance Company Average Annual Rates
Allstate $9,326
GEICO $5,390
Liberty Mutual $8,872
Nationwide $7,752
Progressive $7,163
State Farm $4,000
Travelers $9,873
USAA $3,110

Compare Tram, Kentucky Auto Insurance Quotes

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