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Get Cheap Car Insurance in Elsmere, KY
We monitor insurance prices, helping the average driver in Elsmere save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Elsmere
The chart below shows the cheapest car insurance company in Elsmere 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.
| Elsmere Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $58 |
| State Farm | $58 |
| Travelers | $85 |
| Geico | $91 |
Savings for Every Kind of Elsmere Driver
Based on our extensive insurance data, we know the average Elsmere 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 $512 per year by choosing the right vehicle insurance company. Some Elsmere residents are paying out over $2,029 extra every year for auto insurance in Elsmere. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Elsmere, KY Savings / Yr. |
|---|---|
$512 |
|
$840 |
|
$827 |
|
$837 |
|
$1,656 |
|
$554 |
|
$888 |
Elsmere Car Insurance vs. Kentucky
People living in Elsmere pay an average of 4.92% less than the typical driver in the state. The average driver in Elsmere can expect to pay about $1,045 per year, or $2,029 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Elsmere for most people.
Car Insurance Prices by Elsmere Neighborhood
Insurance Prices
Where is insurance cheapest within Elsmere?
The map shows insurance prices in and around Elsmere, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $97 per year within the city boundaries, with insurance premiums ranging from a high of $2,094 to a low of $1,997. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Elsmere.Pick the Best Car Insurance Company for You in Elsmere
The best car insurance provider for most drivers in Elsmere
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $512 over the average Elsmere car insurance company.
The best car insurance provider for Elsmere 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 $840 over the competition.
The best car insurance company for Elsmere drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $827 better than other car insurance companies.
The best auto insurance for Elsmere drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $837 less each year.
The least expensive car insurance company for new and young drivers in Elsmere
In Elsmere, State Farm costs young drivers $1,656 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Elsmere
State Farm gave the largest car insurance discounts to married couples, averaging $554 saved each year compared to an average Elsmere couple's premiums.
The cheapest car insurance in Elsmere for drivers with bad credit
The best Elsmere car insurance company for customer service
Recent price drops
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The cheapest large national provider in Elsmere
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Elsmere 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 Elsmere, 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 Elsmere
What Influences the Cost of Car Insurance in Elsmere?
On average, car insurance in Elsmere 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 Elsmere is 23 minutes, which is far less than average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Elsmere are among the lowest 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.
- Elsmere is one of the least populated areas 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 Elsmere is $87 per month for minimum coverage and $169 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
- Erlanger: Insurance costs 1.18% more
- Edgewood: Insurance costs 1.58% more
- Crestview Hills: Insurance costs 0.30% less
- Lakeside Park: Insurance costs 0.25% more
- Florence: Insurance costs 1.92% more
- Fort Mitchell: Insurance costs 2.17% more
- Crescent Springs: Insurance costs 0.49% more
- Villa Hills: Insurance costs 1.72% more
- Independence: Insurance costs 2.32% more
- Fort Wright: Insurance costs 2.46% more
Cities with Similar Populations
- Sutton: Insurance costs 25.33% less
- Connellys Springs: Insurance costs 39.92% less
- Coral Hills: Insurance costs 21.29% more
- Cottage Grove: Insurance costs 45.29% less
- Countryside: Insurance costs 35.78% less
- Coventry: Insurance costs 6.80% less
- Craig: Insurance costs 11.04% less
- Whitsett: Insurance costs 40.96% less
- Woodbury: Insurance costs 34.99% more
- Vashon: Insurance costs 28.44% less