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Get Cheap Car Insurance in Ghent, KY
We monitor insurance prices, helping the average driver in Ghent save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Ghent
The chart below shows the cheapest car insurance company in Ghent 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.
| Ghent Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $58 |
| State Farm | $58 |
| Travelers | $86 |
| Geico | $92 |
Savings for Every Kind of Ghent Driver
Based on our extensive insurance data, we know the average Ghent 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 $519 per year by choosing the right vehicle insurance company. Some Ghent residents are paying out over $2,055 extra every year for auto insurance in Ghent. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ghent, KY Savings / Yr. |
|---|---|
$519 |
|
$851 |
|
$838 |
|
$848 |
|
$1,678 |
|
$562 |
|
$900 |
Ghent Car Insurance vs. Kentucky
People living in Ghent pay an average of 3.69% less than the typical driver in the state. The average driver in Ghent can expect to pay about $1,058 per year, or $2,055 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Ghent for most people.
Car Insurance Prices by Ghent Neighborhood
Insurance Prices
Where is insurance cheapest within Ghent?
The map shows insurance prices in and around Ghent, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $86 per year within the city boundaries, with insurance premiums ranging from a high of $2,083 to a low of $1,997. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Ghent.Pick the Best Car Insurance Company for You in Ghent
The best car insurance provider for most drivers in Ghent
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $519 over the average Ghent car insurance company.
The best car insurance provider for Ghent 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 $851 over the competition.
The best car insurance company for Ghent drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $838 better than other car insurance companies.
The best auto insurance for Ghent drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $848 less each year.
The least expensive car insurance company for new and young drivers in Ghent
In Ghent, State Farm costs young drivers $1,678 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ghent
State Farm gave the largest car insurance discounts to married couples, averaging $562 saved each year compared to an average Ghent couple's premiums.
The cheapest car insurance in Ghent for drivers with bad credit
The best Ghent car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ghent
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ghent 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 Ghent, 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 Ghent
What Influences the Cost of Car Insurance in Ghent?
On average, car insurance in Ghent 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 Ghent is 28 minutes, which is a little 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 Ghent are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Ghent is one of the most densely populated areas in the state. The city’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 Ghent 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
- Sanders: Insurance costs 0.97% less
- Vevay: Insurance costs 41.80% less
- Mount Sterling: Insurance costs 41.07% less
- Carrollton: Insurance costs 0.78% more
- Worthville: Insurance costs 2.73% more
- Florence: Insurance costs 37.86% less
- Wheatley: Insurance costs 0.39% more
- English: Insurance costs 0.83% more
- Center Square: Insurance costs 43.84% less
- Prestonville: Insurance costs 0.29% more
Cities with Similar Populations
- Grand Coulee: Insurance costs 36.06% less
- Warner Springs: Insurance costs 10.36% less
- Walker Springs: Insurance costs 23.70% less
- Wakefield: Insurance costs 26.37% less
- Wabasso: Insurance costs 26.18% less
- Volney: Insurance costs 36.89% more
- Ventura: Insurance costs 41.31% less
- Hays: Insurance costs 18.44% less
- Harmony: Insurance costs 42.04% less
- Welcome: Insurance costs 24.48% less