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

  • The cheapest car insurance company in Stanford after a DUI is State Farm
  • Average car insurance rates in Stanford, KY are $384/month
  • Average car insurance rates in Stanford, KY for senior drivers are $2,547/year

Average car insurance rates in Stanford, Kentucky are $384 a month. But with a little research you can get a great deal from the top car insurance companies in Stanford, KY. Before you buy Stanford, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Stanford car insurance rates with Covington car insurance rates, Richmond car insurance rates, or Henderson car insurance rates to make sure you’re getting the best Stanford, KY car insurance quotes available.

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

Stanford, KY Minimum Car Insurance Coverage

Stanford, 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 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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Stanford, KY Car Insurance Rates by Coverage Level

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

Annual Car 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

Stanford, KY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car 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

Stanford, KY Car Insurance Rates for Teens

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

Annual Car 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

Stanford, KY Car Insurance Rates for Seniors

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

Annual Car 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

Stanford, KY Car Insurance Rates by Credit History

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

Annual Car 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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Stanford, KY Car Insurance Rates by Driver History

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

Annual Stanford, Kentucky Car 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

Stanford, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Stanford, Kentucky

Insurance Company Annual Car 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

Stanford, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Stanford, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Stanford, KY Cheapest Car Insurance Rates

How do the top Stanford, Kentucky car insurance companies’ average rates stack up against the Stanford average monthly car insurance rates of $384? Take a look and see.

Best Annual Car 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

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Stanford, KY Top Car Insurance Companies

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

Average Annual Car 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

Other Factors Affecting Stanford, KY Car Insurance Rates

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

Stanford, KY Commute Time

How does your Stanford, KY commute time compare with the average driver? In Stanford, the average commute is 27.2 minutes.

Stanford, KY Car Insurance Quotes

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