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Get Cheap Car Insurance in Austin, KY
We monitor insurance prices, helping the average driver in Austin save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Austin
The chart below shows the cheapest car insurance company in Austin for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Austin Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $58 |
| State Farm | $58 |
| Travelers | $85 |
| Geico | $91 |
Savings for Every Kind of Austin Driver
Based on our extensive insurance data, we know the average Austin driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $514 per year by choosing the right vehicle insurance company. Some Austin residents are paying out over $2,034 extra every year for auto insurance in Austin. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Austin, KY Savings / Yr. |
|---|---|
$514 |
|
$843 |
|
$829 |
|
$839 |
|
$1,660 |
|
$556 |
|
$890 |
Austin Car Insurance vs. Kentucky
People living in Austin pay an average of 4.69% less than the typical driver in the state. The average driver in Austin can expect to pay about $1,047 per year, or $2,034 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Austin for most people.
Car Insurance Prices by Austin Neighborhood
Insurance Prices
Where is insurance cheapest within Austin?
The map shows insurance prices in and around Austin, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $50 per year within the city boundaries, with insurance premiums ranging from a high of $2,038 to a low of $1,988. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Austin.Pick the Best Car Insurance Company for You in Austin
The best car insurance provider for most drivers in Austin
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $514 over the average Austin car insurance company.
The best car insurance provider for Austin drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $843 over the competition.
The best car insurance company for Austin drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $829 better than other car insurance companies.
The best auto insurance for Austin drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $839 less each year.
The least expensive car insurance company for new and young drivers in Austin
In Austin, State Farm costs young drivers $1,660 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Austin
State Farm gave the largest car insurance discounts to married couples, averaging $556 saved each year compared to an average Austin couple's premiums.
The cheapest car insurance in Austin for drivers with bad credit
The best Austin car insurance company for customer service
Recent price drops
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The cheapest large national provider in Austin
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Austin driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Austin, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Austin
What Influences the Cost of Car Insurance in Austin?
On average, car insurance in Austin is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Austin is 32 minutes, which is about the national average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Austin are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Austin is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Austin is $87 per month for minimum coverage and $170 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Tracy: Insurance costs 0.20% more
- Lucas: Insurance costs 0.05% less
- Cooktown: Insurance costs 0.20% less
- Etoile: Insurance costs 0.15% less
- Maynard: Insurance costs 6.69% more
- Fountain Run: Insurance costs 0.74% more
- Lamb: Insurance costs 0.98% more
- Walnut Hill: Insurance costs 3.24% more
- Haywood: Insurance costs 1.92% less
- Temple Hill: Insurance costs 0.25% less
Cities with Similar Populations
- Mehama: Insurance costs 26.84% less
- Ingleside: Insurance costs 26.11% less
- Innsbrook: Insurance costs 11.46% less
- Kanesville: Insurance costs 30.53% less
- Kinta: Insurance costs 16.42% less
- Lee: Insurance costs 31.12% less
- Adin: Insurance costs 12.00% less
- Manor: Insurance costs 18.04% less
- Marshfield: Insurance costs 9.05% more
- McCallsburg: Insurance costs 40.81% less