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Get Cheap Car Insurance in Concord, KY
We monitor insurance prices, helping the average driver in Concord save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Concord
The chart below shows the cheapest car insurance company in Concord 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.
| Concord Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $61 |
| State Farm | $61 |
| Travelers | $89 |
| Geico | $96 |
Savings for Every Kind of Concord Driver
Based on our extensive insurance data, we know the average Concord 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 $542 per year by choosing the right vehicle insurance company. Some Concord residents are paying out over $2,147 extra every year for auto insurance in Concord. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Concord, KY Savings / Yr. |
|---|---|
$542 |
|
$889 |
|
$875 |
|
$885 |
|
$1,752 |
|
$586 |
|
$940 |
Concord Car Insurance vs. Kentucky
People living in Concord pay an average of 0.60% more than the typical driver in the state. The average driver in Concord can expect to pay about $1,106 per year, or $2,147 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Concord for most people.
Car Insurance Prices by Concord Neighborhood
Insurance Prices
Where is insurance cheapest within Concord?
The map shows insurance prices in and around Concord, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $142 per year within the city boundaries, with insurance premiums ranging from a high of $2,265 to a low of $2,123. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Concord.Pick the Best Car Insurance Company for You in Concord
The best car insurance provider for most drivers in Concord
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $542 over the average Concord car insurance company.
The best car insurance provider for Concord 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 $889 over the competition.
The best car insurance company for Concord drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $875 better than other car insurance companies.
The best auto insurance for Concord drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $885 less each year.
The least expensive car insurance company for new and young drivers in Concord
In Concord, State Farm costs young drivers $1,752 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Concord
State Farm gave the largest car insurance discounts to married couples, averaging $586 saved each year compared to an average Concord couple's premiums.
The cheapest car insurance in Concord for drivers with bad credit
The best Concord car insurance company for customer service
Recent price drops
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The cheapest large national provider in Concord
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Concord 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 Concord, 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 Concord
What Influences the Cost of Car Insurance in Concord?
On average, car insurance in Concord is more expensive than the rest of the state. These high 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 Concord is 44 minutes, which is far more than 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 Concord are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Concord is one of the most densely populated areas 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 Concord is $92 per month for minimum coverage and $179 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
- Elizaville: Insurance costs 0.84% more
- Poplar Plains: Insurance costs 5.40% more
- Bluebank: Insurance costs 3.35% less
- Flemingsburg: Insurance costs 2.33% less
- Craintown: Insurance costs 1.54% less
- Goddard: Insurance costs 3.91% more
- Nepton: Insurance costs 2.61% less
- Grange City: Insurance costs 0.47% less
- Dalesburg: Insurance costs 2.14% less
- Wallingford: Insurance costs 1.86% less
Cities with Similar Populations
- Piasa: Insurance costs 32.88% less
- Coahoma: Insurance costs 15.42% less
- Guadalupita: Insurance costs 30.09% less
- Greeley: Insurance costs 42.90% less
- Graymont: Insurance costs 36.14% less
- Burket: Insurance costs 45.74% less
- Burdette: Insurance costs 43.97% less
- Garland: Insurance costs 35.63% less
- Rome: Insurance costs 3.35% less
- Banner: Insurance costs 23.43% less