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Get Cheap Car Insurance in Gardenside-Colony, Lexington, KY
We monitor insurance prices, helping the average driver in Gardenside-Colony save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Gardenside-Colony
The chart below shows the cheapest car insurance company in Gardenside-Colony 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.
| Gardenside-Colony Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $61 |
| State Farm | $61 |
| Travelers | $89 |
| Geico | $96 |
Savings for Every Kind of Gardenside-Colony Driver
Based on our extensive insurance data, we know the average Gardenside-Colony 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 $540 per year by choosing the right vehicle insurance company. Some Gardenside-Colony residents are paying out over $2,136 extra every year for auto insurance in Gardenside-Colony. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gardenside-Colony, Lexington, KY Savings / Yr. |
|---|---|
$540 |
|
$885 |
|
$871 |
|
$881 |
|
$1,744 |
|
$584 |
|
$935 |
Gardenside-Colony Car Insurance vs. Lexington
People living in Gardenside-Colony pay an average of 0.11% more than the typical driver in the state. The average driver in Gardenside-Colony can expect to pay about $1,100 per year, or $2,136 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Gardenside-Colony for most people.
Car Insurance Prices by Gardenside-Colony Neighborhood
Insurance Prices
Where is insurance cheapest within Gardenside-Colony?
The map shows insurance prices in and around Gardenside-Colony, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $231 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,265 to a low of $2,034. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Gardenside-Colony.Pick the Best Car Insurance Company for You in Gardenside-Colony
The best car insurance provider for most drivers in Gardenside-Colony
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $540 over the average Gardenside-Colony car insurance company.
The best car insurance provider for Gardenside-Colony 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 $885 over the competition.
The best car insurance company for Gardenside-Colony drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $871 better than other car insurance companies.
The best auto insurance for Gardenside-Colony drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $881 less each year.
The least expensive car insurance company for new and young drivers in Gardenside-Colony
In Gardenside-Colony, State Farm costs young drivers $1,744 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gardenside-Colony
State Farm gave the largest car insurance discounts to married couples, averaging $584 saved each year compared to an average Gardenside-Colony couple's premiums.
The cheapest car insurance in Gardenside-Colony for drivers with bad credit
The best Gardenside-Colony car insurance company for customer service
Nationwide was the best company for customer service in Gardenside-Colony according to the NAIC.
Recent price drops
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The cheapest large national provider in Gardenside-Colony
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Gardenside-Colony 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 Gardenside-Colony, 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 Gardenside-Colony
What Influences the Cost of Car Insurance in Gardenside-Colony?
On average, car insurance in Gardenside-Colony 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 neighborhood are influenced by the following factors:
- Kentucky state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Gardenside-Colony are about average 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 C according to CrimeGrade.org.
- Gardenside-Colony is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Gardenside-Colony is $92 per month for minimum coverage and $178 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 Neighborhoods
- Garden Springs: Insurance costs 0.28% more
- Cardinal Hill-Pine Meadow: Insurance costs 13.01% more
- Holiday Hills: Insurance costs 6.46% more
- Virginia Ave: Insurance costs 1.92% less
- Southland Deerfield Open Gates: Insurance costs 3.00% less
- University of Kentucky: Insurance costs 1.17% less
- Mount Vernon-Hollywood-Montclair: Insurance costs 1.31% less
- Downtown Lexington: Insurance costs 2.86% more
- Indian Hills-Stonewall Estates-Monticello: Insurance costs 4.07% less
- Brookhaven-Lansdowne: Insurance costs 3.42% less
Neighborhoods with Similar Populations
- Wildhorse: Insurance costs 11.75% less
- Van Steuban: Insurance costs 92.51% more
- Hartwell: Insurance costs 42.23% less
- Lincoln Heights: Insurance costs 15.78% more
- Hyde Park: Insurance costs 19.29% less
- Indian Hill: Insurance costs 14.70% less
- Jacksonville Farms-Terrace: Insurance costs 24.20% more
- Kamala Park: Insurance costs 3.98% more
- Lake Aumond: Insurance costs 16.90% less
- Leschi: Insurance costs 21.35% less