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Get Cheap Car Insurance in Harlan Crossroads, KY
We monitor insurance prices, helping the average driver in Harlan Crossroads save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Harlan Crossroads
The chart below shows the cheapest car insurance company in Harlan Crossroads 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.
| Harlan Crossroads Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $58 |
| State Farm | $58 |
| Travelers | $85 |
| Geico | $92 |
Savings for Every Kind of Harlan Crossroads Driver
Based on our extensive insurance data, we know the average Harlan Crossroads 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 Harlan Crossroads residents are paying out over $2,049 extra every year for auto insurance in Harlan Crossroads. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harlan Crossroads, KY Savings / Yr. |
|---|---|
$518 |
|
$849 |
|
$835 |
|
$845 |
|
$1,673 |
|
$560 |
|
$897 |
Harlan Crossroads Car Insurance vs. Kentucky
People living in Harlan Crossroads pay an average of 3.99% less than the typical driver in the state. The average driver in Harlan Crossroads can expect to pay about $1,055 per year, or $2,049 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Harlan Crossroads for most people.
Car Insurance Prices by Harlan Crossroads Neighborhood
Insurance Prices
Where is insurance cheapest within Harlan Crossroads?
The map shows insurance prices in and around Harlan Crossroads, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $56 per year within the city boundaries, with insurance premiums ranging from a high of $2,080 to a low of $2,024. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Harlan Crossroads.Pick the Best Car Insurance Company for You in Harlan Crossroads
The best car insurance provider for most drivers in Harlan Crossroads
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $518 over the average Harlan Crossroads car insurance company.
The best car insurance provider for Harlan Crossroads 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 $849 over the competition.
The best car insurance company for Harlan Crossroads drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $835 better than other car insurance companies.
The best auto insurance for Harlan Crossroads drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $845 less each year.
The least expensive car insurance company for new and young drivers in Harlan Crossroads
In Harlan Crossroads, State Farm costs young drivers $1,673 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harlan Crossroads
State Farm gave the largest car insurance discounts to married couples, averaging $560 saved each year compared to an average Harlan Crossroads couple's premiums.
The cheapest car insurance in Harlan Crossroads for drivers with bad credit
The best Harlan Crossroads car insurance company for customer service
Nationwide was the best company for customer service in Harlan Crossroads according to the NAIC.
Recent price drops
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The cheapest large national provider in Harlan Crossroads
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Harlan Crossroads 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 Harlan Crossroads, 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 Harlan Crossroads
What Influences the Cost of Car Insurance in Harlan Crossroads?
On average, car insurance in Harlan Crossroads 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 Harlan Crossroads 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Harlan Crossroads 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.
- Harlan Crossroads 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 Harlan Crossroads 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
- Tompkinsville: Insurance costs 0.98% more
- Clementsville: Insurance costs 31.72% less
- Freetown: Insurance costs 1.76% more
- Gamaliel: Insurance costs 1.81% more
- Hermitage Springs: Insurance costs 31.77% less
- Moss: Insurance costs 34.02% less
- Miles Crossroads: Insurance costs 31.97% less
- Union Hill: Insurance costs 31.72% less
- Meshack: Insurance costs 5.22% more
- Persimmon: Insurance costs 5.51% more
Cities with Similar Populations
- Park View Heights: Insurance costs 42.80% less
- Myrtlewood: Insurance costs 24.60% less
- Nada: Insurance costs 21.33% less
- Nanceville: Insurance costs 8.35% less
- Nash: Insurance costs 32.16% less
- Nashville: Insurance costs 39.24% less
- Nebo: Insurance costs 48.12% more
- New Augusta: Insurance costs 17.76% less
- New Baden: Insurance costs 22.21% less
- New Geneva: Insurance costs 32.16% less