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 Erlanger, KY
We monitor insurance prices, helping the average driver in Erlanger save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Erlanger
The chart below shows the cheapest car insurance company in Erlanger 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.
| Erlanger Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $58 |
| State Farm | $58 |
| Travelers | $86 |
| Geico | $92 |
Savings for Every Kind of Erlanger Driver
Based on our extensive insurance data, we know the average Erlanger 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 $518 per year by choosing the right vehicle insurance company. Some Erlanger residents are paying out over $2,053 extra every year for auto insurance in Erlanger. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Erlanger, KY Savings / Yr. |
|---|---|
$518 |
|
$850 |
|
$837 |
|
$846 |
|
$1,676 |
|
$561 |
|
$898 |
Erlanger Car Insurance vs. Kentucky
People living in Erlanger pay an average of 3.81% less than the typical driver in the state. The average driver in Erlanger can expect to pay about $1,057 per year, or $2,053 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Erlanger for most people.
Car Insurance Prices by Erlanger Neighborhood
Insurance Prices
Where is insurance cheapest within Erlanger?
The map shows insurance prices in and around Erlanger, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $146 per year within the city boundaries, with insurance premiums ranging from a high of $2,143 to a low of $1,997. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Erlanger.Pick the Best Car Insurance Company for You in Erlanger
The best car insurance provider for most drivers in Erlanger
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $518 over the average Erlanger car insurance company.
The best car insurance provider for Erlanger 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 $850 over the competition.
The best car insurance company for Erlanger drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $837 better than other car insurance companies.
The best auto insurance for Erlanger drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $846 less each year.
The least expensive car insurance company for new and young drivers in Erlanger
In Erlanger, State Farm costs young drivers $1,676 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Erlanger
State Farm gave the largest car insurance discounts to married couples, averaging $561 saved each year compared to an average Erlanger couple's premiums.
The cheapest car insurance in Erlanger for drivers with bad credit
The best Erlanger 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 Erlanger, which was better than other insurers.
The cheapest large national provider in Erlanger
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Erlanger 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 Erlanger, 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 Erlanger
What Influences the Cost of Car Insurance in Erlanger?
On average, car insurance in Erlanger 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 Erlanger is 26 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 Erlanger 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.
- Erlanger 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 Erlanger is $88 per month for minimum coverage and $171 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
- Elsmere: Insurance costs 1.17% less
- Crestview Hills: Insurance costs 1.46% less
- Edgewood: Insurance costs 0.39% more
- Lakeside Park: Insurance costs 0.93% less
- Fort Mitchell: Insurance costs 0.97% more
- Crescent Springs: Insurance costs 0.68% less
- Villa Hills: Insurance costs 0.54% more
- Florence: Insurance costs 0.73% more
- Fort Wright: Insurance costs 1.27% more
- Independence: Insurance costs 1.12% more
Cities with Similar Populations
- Batavia: Insurance costs 7.31% more
- Bainbridge: Insurance costs 17.34% less
- Athens: Insurance costs 19.24% less
- Greenfield: Insurance costs 1.85% more
- Ashland: Insurance costs 22.55% less
- Wexford: Insurance costs 32.05% less
- White Oak: Insurance costs 43.06% less
- Angier: Insurance costs 37.65% less
- Winthrop Town: Insurance costs 5.75% less
- Ammon: Insurance costs 46.91% less