Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Cave City, KY for senior drivers are $2,283/year
  • The cheapest car insurance company in Cave City after a DUI is State Farm
  • Average car insurance rates in Cave City, KY are $341/month

Average car insurance rates in Cave City, Kentucky are $341 a month. But with a little research you can get a great deal from the top car insurance companies in Cave City, KY. Before you buy Cave City, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Cave City car insurance rates with Florence car insurance rates, Covington car insurance rates, or Independence car insurance rates to make sure you’re getting the best Cave City, KY car insurance quotes available.

Need affordable Cave City, KY car insurance? Enter your ZIP code to compare Cave City car insurance quotes from multiple car insurance companies near you.

Cave City, KY Minimum Car Insurance Coverage

Cave City, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Cave City, 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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Cave City, KY Car Insurance Rates by Coverage Level

Some Cave City drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Cave City, Kentucky car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Cave City, Kentucky

Insurance Company Low Medium High
Allstate $4,806 $5,122 $5,496
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,983 $4,159 $4,421
Nationwide $4,380 $4,252 $4,281
Progressive $3,723 $4,001 $4,448
State Farm $2,456 $2,610 $2,767
Travelers $5,389 $5,679 $5,889
USAA $2,479 $2,608 $2,759

Cave City, KY Car Insurance Rates by Age, Gender, and Marital Status

Cave City, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Cave City, KY car insurance, get quotes from multiple car insurance companies in the Cave City area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cave City, 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 $2,960 $2,931 $2,674 $2,849 $10,817 $12,147 $3,283 $3,473
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,322 $2,512 $2,003 $2,228 $9,300 $10,244 $2,412 $2,481
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $1,942 $1,844 $1,749 $1,755 $9,530 $10,783 $2,405 $2,451
State Farm $1,625 $1,625 $1,450 $1,450 $4,806 $6,096 $1,814 $2,022
Travelers $2,424 $2,468 $2,380 $2,382 $11,580 $18,510 $2,533 $2,942
USAA $1,749 $1,748 $1,587 $1,609 $4,694 $4,929 $2,201 $2,404

Cave City, KY Car Insurance Rates for Teens

How much is Cave City, Kentucky car insurance for teens? Compare rates from top Cave City car insurance companies below to help find the cheapest teen car insurance in Cave City, KY.

Annual Car Insurance Rates for Teen Drivers in Cave City, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,817 $12,147
GEICO $6,851 $8,131
Liberty Mutual $9,300 $10,244
Nationwide $6,819 $8,506
Progressive $9,530 $10,783
State Farm $4,806 $6,096
Travelers $11,580 $18,510
USAA $4,694 $4,929

Cave City, KY Car Insurance Rates for Seniors

Before seniors buy Cave City, Kentucky car insurance, they should make sure to shop around. Some Cave City, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Cave City, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,674 $2,849
GEICO $3,510 $3,179
Liberty Mutual $2,003 $2,228
Nationwide $2,800 $2,930
Progressive $1,749 $1,755
State Farm $1,450 $1,450
Travelers $2,380 $2,382
USAA $1,587 $1,609

Cave City, KY Car Insurance Rates by Credit History

How does your credit history affect Cave City, KY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Cave City, Kentucky

Insurance Company Poor Fair Good
Allstate $6,800 $4,702 $3,923
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,967 $3,683 $2,913
Nationwide $5,239 $4,104 $3,569
Progressive $4,525 $3,956 $3,691
State Farm $3,777 $2,279 $1,777
Travelers $6,314 $5,333 $5,310
USAA $3,874 $2,185 $1,786

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Cave City, KY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Cave City, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Cave City.

Annual Cave City, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,273 $5,559 $5,922 $4,812
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,497 $5,361 $4,176 $3,717
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,356 $4,974 $3,825 $4,074
State Farm $2,389 $2,833 $2,611 $2,611
Travelers $4,923 $5,067 $7,331 $5,288
USAA $1,973 $2,784 $3,329 $2,374

Cave City, KY Car Insurance Rates With a DUI

Even a single DUI can increase your Cave City, KY car insurance rates. Compare rates below to see which Cave City car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Cave City, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,922
GEICO $6,731
Liberty Mutual $4,176
Nationwide $5,612
Progressive $3,825
State Farm $2,611
Travelers $7,331
USAA $3,329

Cave City, KY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Cave City, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Cave City companies based on commute time.

Annual Car Insurance Rates by Commute Length in Cave City, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,142 $5,142
GEICO $4,119 $4,197
Liberty Mutual $4,188 $4,188
Nationwide $4,304 $4,304
Progressive $4,057 $4,057
State Farm $2,546 $2,676
Travelers $5,652 $5,652
USAA $2,517 $2,713

Cave City, KY Cheapest Car Insurance Rates

How do the top Cave City, Kentucky car insurance companies’ average rates stack up against the Cave City average monthly car insurance rates of $341? Take a look and see.

Best Annual Car Insurance Rates by Company in Cave City, 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

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Cave City, KY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Cave City, Kentucky car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Cave City, Kentucky

Insurance Company Average Annual Rates
Allstate $5,142
GEICO $4,158
Liberty Mutual $4,188
Nationwide $4,304
Progressive $4,057
State Farm $2,611
Travelers $5,652
USAA $2,615

Other Factors Affecting Cave City, KY Car Insurance Rates

Before you buy Cave City, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Cave City, KY Commute Time

How does your Cave City, KY commute time compare with the average driver? In Cave City, the average commute is 18.6 minutes.

Cave City, KY Car Insurance Quotes

Compare Cave City, KY car insurance quotes from multiple companies by entering your ZIP code now.