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Get Cheap Car Insurance in Leighton, KY

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

 

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The Cheapest Minimum Coverage in Leighton

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

 
Leighton Insurer Monthly Cost
Farm Bureau $66
State Farm $66
Travelers $97
Geico $104

Savings for Every Kind of Leighton Driver

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

Based on our extensive insurance data, we know the average Leighton 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 $586 per year by choosing the right vehicle insurance company. Some Leighton residents are paying out over $2,320 extra every year for auto insurance in Leighton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Leighton, KY Savings / Yr.
Drivers with good records
$586
Drivers with accidents
$961
Drivers with speeding tickets
$946
Drivers with a DUI conviction
$957
Young drivers
$1,894
Married drivers
$634
Drivers with bad credit
$1,016

Leighton Car Insurance vs. Kentucky

People living in Leighton pay an average of 8.74% more than the typical driver in the state. The average driver in Leighton can expect to pay about $1,195 per year, or $2,320 for full coverage.

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

Car Insurance Prices by Leighton Neighborhood

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

Insurance Prices

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Where is insurance cheapest within Leighton?

The map shows insurance prices in and around Leighton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,320 to a low of $2,320. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Leighton.

Pick the Best Car Insurance Company for You in Leighton

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 Leighton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Leighton

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $586 over the average Leighton car insurance company.

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We use the average good driver, paying $145 per month, as our baseline for pricing in Leighton. 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 Leighton drivers with accidents on their records

In Leighton getting into an accident will raise premiums an average 30% for a yearly cost of $3,331. That's $1,010 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 $961 over the competition.

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The best car insurance company for Leighton drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $946 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 Leighton, tickets raise premiums on new quotes about $663. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,984 per year.

The best auto insurance for Leighton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,760 per year in auto insurance premiums, which was $1,440 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 $957 less each year.

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

In Leighton, State Farm costs young drivers $1,894 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 Leighton. With an average cost of $7,045 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 Leighton

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $140. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Leighton.

State Farm gave the largest car insurance discounts to married couples, averaging $634 saved each year compared to an average Leighton couple's premiums.

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The cheapest car insurance in Leighton for drivers with bad credit

People with poor credit saved an average of $1,016 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,805 every year. Premiums for people with poor credit were about $4,126 in Leighton. 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 Leighton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Leighton, 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 Leighton.

Nationwide was the best company for customer service in Leighton 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 Leighton, 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 Leighton. 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 Leighton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Leighton 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 Leighton 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 Leighton, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Leighton

What Influences the Cost of Car Insurance in Leighton?

On average, car insurance in Leighton 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 Leighton is 37 minutes, which is a little 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 Leighton are among the lowest 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.
  • Leighton 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 Leighton is $100 per month for minimum coverage and $193 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

Cities with Similar Populations

* Who is the average Leighton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Leighton 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.