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Get Cheap Car Insurance in Freeburn, KY

We monitor insurance prices, helping the average driver in Freeburn save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in Freeburn

The chart below shows the cheapest car insurance company in Freeburn 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.

 
Freeburn Insurer Monthly Cost
Farm Bureau $67
State Farm $67
Travelers $98
Geico $105

Savings for Every Kind of Freeburn Driver

The table shows how much the average auto insurance customer in Freeburn might save by following our recommendations.

Based on our extensive insurance data, we know the average Freeburn 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 $592 per year by choosing the right vehicle insurance company. Some Freeburn residents are paying out over $2,344 extra every year for auto insurance in Freeburn. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Freeburn, KY Savings / Yr.
Drivers with good records
$592
Drivers with accidents
$971
Drivers with speeding tickets
$956
Drivers with a DUI conviction
$967
Young drivers
$1,914
Married drivers
$640
Drivers with bad credit
$1,026

Freeburn Car Insurance vs. Kentucky

People living in Freeburn pay an average of 9.85% more than the typical driver in the state. The average driver in Freeburn can expect to pay about $1,207 per year, or $2,344 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Freeburn for most people.

Car Insurance Prices by Freeburn Neighborhood

Freeburn, KY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Freeburn?

The map shows insurance prices in and around Freeburn, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $177 per year within the city boundaries, with insurance premiums ranging from a high of $2,418 to a low of $2,241. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Freeburn.

Pick the Best Car Insurance Company for You in Freeburn

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Freeburn insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Freeburn

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $592 over the average Freeburn car insurance company.

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We use the average good driver, paying $146 per month, as our baseline for pricing in Freeburn. State Farm, Farm Bureau, and Westfield are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Freeburn drivers with accidents on their records

In Freeburn getting into an accident will raise premiums an average 30% for a yearly cost of $3,365. That's $1,021 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $971 over the competition.

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The best car insurance company for Freeburn drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $956 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Freeburn, tickets raise premiums on new quotes about $670. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $3,014 per year.

The best auto insurance for Freeburn drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,799 per year in auto insurance premiums, which was $1,454 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $967 less each year.

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The least expensive car insurance company for new and young drivers in Freeburn

In Freeburn, State Farm costs young drivers $1,914 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Freeburn. With an average cost of $7,117 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farm Bureau, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Freeburn

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $142. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Freeburn.

State Farm gave the largest car insurance discounts to married couples, averaging $640 saved each year compared to an average Freeburn couple's premiums.

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The cheapest car insurance in Freeburn for drivers with bad credit

People with poor credit saved an average of $1,026 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,824 every year. Premiums for people with poor credit were about $4,168 in Freeburn. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Safe Auto.

The best Freeburn car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Freeburn, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Freeburn.

Nationwide was the best company for customer service in Freeburn according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Freeburn, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Freeburn. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Freeburn

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 12% of Freeburn residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Freeburn driver can expect to pay about $144 per month.

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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 Freeburn, 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.
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Auto Insurance Prices in and Around Freeburn

What Influences the Cost of Car Insurance in Freeburn?

On average, car insurance in Freeburn 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 Freeburn is 52 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 Freeburn are among the highest 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.
  • Freeburn 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 Freeburn is $101 per month for minimum coverage and $195 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.

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* Who is the average Freeburn driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Freeburn with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.