Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Ellen, KY
We monitor insurance prices, helping the average driver in Ellen save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Ellen
The chart below shows the cheapest car insurance company in Ellen 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.
| Ellen Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $62 |
| State Farm | $62 |
| Travelers | $91 |
| Geico | $98 |
Savings for Every Kind of Ellen Driver
Based on our extensive insurance data, we know the average Ellen 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 $554 per year by choosing the right vehicle insurance company. Some Ellen residents are paying out over $2,193 extra every year for auto insurance in Ellen. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ellen, KY Savings / Yr. |
|---|---|
$554 |
|
$908 |
|
$894 |
|
$904 |
|
$1,790 |
|
$599 |
|
$960 |
Ellen Car Insurance vs. Kentucky
People living in Ellen pay an average of 2.75% more than the typical driver in the state. The average driver in Ellen can expect to pay about $1,129 per year, or $2,193 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Ellen for most people.
Car Insurance Prices by Ellen Neighborhood
Insurance Prices
Where is insurance cheapest within Ellen?
The map shows insurance prices in and around Ellen, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,193 to a low of $2,193. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northeast parts of Ellen.Pick the Best Car Insurance Company for You in Ellen
The best car insurance provider for most drivers in Ellen
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $554 over the average Ellen car insurance company.
The best car insurance provider for Ellen 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 $908 over the competition.
The best car insurance company for Ellen drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $894 better than other car insurance companies.
The best auto insurance for Ellen drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $904 less each year.
The least expensive car insurance company for new and young drivers in Ellen
In Ellen, State Farm costs young drivers $1,790 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ellen
State Farm gave the largest car insurance discounts to married couples, averaging $599 saved each year compared to an average Ellen couple's premiums.
The cheapest car insurance in Ellen for drivers with bad credit
The best Ellen car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ellen, which was better than other insurers.
The cheapest large national provider in Ellen
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ellen 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 Ellen, 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 Ellen
What Influences the Cost of Car Insurance in Ellen?
On average, car insurance in Ellen 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:
- 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 Ellen are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Ellen has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Ellen is $94 per month for minimum coverage and $183 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
- Cordell: Insurance costs 1.09% more
- Adams: Insurance costs 0.64% more
- Ledocio: Insurance costs 7.20% more
- Charley: Insurance costs 3.28% more
- Evergreen: Insurance costs the same
- Noris: Insurance costs 2.19% more
- Ulysses: Insurance costs 3.47% more
- Louisa: Insurance costs 1.05% more
- Wilbur: Insurance costs 3.28% more
- Davisville: Insurance costs 3.69% more
Cities with Similar Populations
- Red Bluff: Insurance costs 21.39% less
- Moark: Insurance costs 23.62% less
- Modoc: Insurance costs 18.74% less
- Moenville: Insurance costs 21.16% less
- Momence: Insurance costs 44.23% less
- Mona: Insurance costs 44.05% less
- Monson: Insurance costs 26.13% less
- Montague: Insurance costs 27.91% less
- Moody: Insurance costs 35.48% less
- Ramsey: Insurance costs 40.17% less