Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Idle Hour, Lexington, KY
We monitor insurance prices, helping the average driver in Idle Hour save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Idle Hour
The chart below shows the cheapest car insurance company in Idle Hour 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.
| Idle Hour Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $63 |
| State Farm | $63 |
| Travelers | $92 |
| Geico | $99 |
Savings for Every Kind of Idle Hour Driver
Based on our extensive insurance data, we know the average Idle Hour 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 $557 per year by choosing the right vehicle insurance company. Some Idle Hour residents are paying out over $2,205 extra every year for auto insurance in Idle Hour. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Idle Hour, Lexington, KY Savings / Yr. |
|---|---|
$557 |
|
$913 |
|
$899 |
|
$909 |
|
$1,800 |
|
$602 |
|
$965 |
Idle Hour Car Insurance vs. Lexington
People living in Idle Hour pay an average of 3.31% more than the typical driver in the state. The average driver in Idle Hour can expect to pay about $1,135 per year, or $2,205 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Idle Hour for most people.
Car Insurance Prices by Idle Hour Neighborhood
Insurance Prices
Where is insurance cheapest within Idle Hour?
The map shows insurance prices in and around Idle Hour, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $263 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,328 to a low of $2,065. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Idle Hour.Pick the Best Car Insurance Company for You in Idle Hour
The best car insurance provider for most drivers in Idle Hour
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $557 over the average Idle Hour car insurance company.
The best car insurance provider for Idle Hour 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 $913 over the competition.
The best car insurance company for Idle Hour drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $899 better than other car insurance companies.
The best auto insurance for Idle Hour drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $909 less each year.
The least expensive car insurance company for new and young drivers in Idle Hour
In Idle Hour, State Farm costs young drivers $1,800 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Idle Hour
State Farm gave the largest car insurance discounts to married couples, averaging $602 saved each year compared to an average Idle Hour couple's premiums.
The cheapest car insurance in Idle Hour for drivers with bad credit
The best Idle Hour car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Idle Hour, which was better than other insurers.
The cheapest large national provider in Idle Hour
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Idle Hour 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 Idle Hour, 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 Idle Hour
What Influences the Cost of Car Insurance in Idle Hour?
On average, car insurance in Idle Hour 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 Idle Hour are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Idle Hour is one of the least populated areas in the state. The neighborhood’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 Idle Hour is $95 per month for minimum coverage and $184 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
- Reservorir: Insurance costs 4.49% less
- Liberty Area: Insurance costs 0.91% less
- Chevy Chase-Ashland Park: Insurance costs 4.63% less
- Fairway-Liberty Heights: Insurance costs 3.72% less
- Eastland Park-Dixie Plantation: Insurance costs 1.36% more
- Mount Vernon-Hollywood-Montclair: Insurance costs 4.40% less
- Brookhaven-Lansdowne: Insurance costs 6.44% less
- University of Kentucky: Insurance costs 4.26% less
- Southeastern Hills: Insurance costs 4.08% less
- Downtown Lexington: Insurance costs 0.36% less
Neighborhoods with Similar Populations
- Edison Historic District: Insurance costs 6.58% more
- North Los Altos: Insurance costs 7.35% less
- New City: Insurance costs 7.80% less
- Wakefield Park: Insurance costs 40.86% less
- Huffman-O'Malley: Insurance costs 33.11% less
- Jackson Park: Insurance costs 45.53% less
- Schiller Park: Insurance costs 34.01% more
- Southgate: Insurance costs 22.45% less
- Norteast Citizens Action: Insurance costs 34.74% more
- Sun City Summerlin: Insurance costs 5.40% more