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Get Cheap Car Insurance in Ferguson, KY
We monitor insurance prices, helping the average driver in Ferguson save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Ferguson
The chart below shows the cheapest car insurance company in Ferguson 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.
| Ferguson Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $87 |
| Geico | $94 |
Savings for Every Kind of Ferguson Driver
Based on our extensive insurance data, we know the average Ferguson 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 $530 per year by choosing the right vehicle insurance company. Some Ferguson residents are paying out over $2,099 extra every year for auto insurance in Ferguson. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ferguson, KY Savings / Yr. |
|---|---|
$530 |
|
$870 |
|
$856 |
|
$866 |
|
$1,713 |
|
$573 |
|
$919 |
Ferguson Car Insurance vs. Kentucky
People living in Ferguson pay an average of 1.64% less than the typical driver in the state. The average driver in Ferguson can expect to pay about $1,081 per year, or $2,099 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Ferguson for most people.
Car Insurance Prices by Ferguson Neighborhood
Insurance Prices
Where is insurance cheapest within Ferguson?
The map shows insurance prices in and around Ferguson, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $109 per year within the city boundaries, with insurance premiums ranging from a high of $2,131 to a low of $2,022. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Ferguson.Pick the Best Car Insurance Company for You in Ferguson
The best car insurance provider for most drivers in Ferguson
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $530 over the average Ferguson car insurance company.
The best car insurance provider for Ferguson 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 $870 over the competition.
The best car insurance company for Ferguson drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $856 better than other car insurance companies.
The best auto insurance for Ferguson drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $866 less each year.
The least expensive car insurance company for new and young drivers in Ferguson
In Ferguson, State Farm costs young drivers $1,713 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ferguson
State Farm gave the largest car insurance discounts to married couples, averaging $573 saved each year compared to an average Ferguson couple's premiums.
The cheapest car insurance in Ferguson for drivers with bad credit
The best Ferguson car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ferguson
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ferguson 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 Ferguson, 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 Ferguson
What Influences the Cost of Car Insurance in Ferguson?
On average, car insurance in Ferguson 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 Ferguson is 21 minutes, which is far less 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 Ferguson are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Ferguson is a lightly populated area 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 Ferguson is $90 per month for minimum coverage and $175 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
- Somerset: Insurance costs 1.57% less
- Frazer: Insurance costs 2.81% less
- Burnside: Insurance costs 1.57% more
- Bronston: Insurance costs 0.14% less
- Hogue: Insurance costs 0.86% more
- Science Hill: Insurance costs 1.00% less
- Walnut Grove: Insurance costs 1.10% more
- Shopville: Insurance costs 1.24% more
- Nancy: Insurance costs 0.62% more
- Poplarville: Insurance costs 3.33% more
Cities with Similar Populations
- Hillsdale: Insurance costs 31.11% less
- St. Paul: Insurance costs 26.58% less
- Springfield: Insurance costs 32.25% less
- Spring Hill: Insurance costs 22.39% less
- Southwest: Insurance costs 46.64% less
- South Montrose: Insurance costs 34.21% less
- South Bloomingville: Insurance costs 45.07% less
- Somerville: Insurance costs 42.31% less
- Smith Lake: Insurance costs 30.87% less
- Sipsey: Insurance costs 24.63% less