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Get Cheap Car Insurance in Locust Grove, KY
We monitor insurance prices, helping the average driver in Locust Grove save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Locust Grove
The chart below shows the cheapest car insurance company in Locust Grove 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.
| Locust Grove Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $87 |
| Geico | $94 |
Savings for Every Kind of Locust Grove Driver
Based on our extensive insurance data, we know the average Locust Grove 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 $530 per year by choosing the right vehicle insurance company. Some Locust Grove residents are paying out over $2,099 extra every year for auto insurance in Locust Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Locust Grove, KY Savings / Yr. |
|---|---|
$530 |
|
$870 |
|
$856 |
|
$866 |
|
$1,713 |
|
$573 |
|
$919 |
Locust Grove Car Insurance vs. Kentucky
People living in Locust Grove pay an average of 1.64% less than the typical driver in the state. The average driver in Locust Grove can expect to pay about $1,081 per year, or $2,099 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Locust Grove for most people.
Car Insurance Prices by Locust Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Locust Grove?
The map shows insurance prices in and around Locust Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $112 per year within the city boundaries, with insurance premiums ranging from a high of $2,145 to a low of $2,033. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Locust Grove.Pick the Best Car Insurance Company for You in Locust Grove
The best car insurance provider for most drivers in Locust Grove
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $530 over the average Locust Grove car insurance company.
The best car insurance provider for Locust Grove 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 $870 over the competition.
The best car insurance company for Locust Grove drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $856 better than other car insurance companies.
The best auto insurance for Locust Grove drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $866 less each year.
The least expensive car insurance company for new and young drivers in Locust Grove
In Locust Grove, State Farm costs young drivers $1,713 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Locust Grove
State Farm gave the largest car insurance discounts to married couples, averaging $573 saved each year compared to an average Locust Grove couple's premiums.
The cheapest car insurance in Locust Grove for drivers with bad credit
The best Locust Grove car insurance company for customer service
Nationwide was the best company for customer service in Locust Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Locust Grove
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Locust Grove 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 Locust Grove, 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 Locust Grove
What Influences the Cost of Car Insurance in Locust Grove?
On average, car insurance in Locust Grove 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:
- 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 Locust Grove are higher than 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 D according to CrimeGrade.org.
- Locust Grove has an average population density 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 Locust Grove is $90 per month for minimum coverage and $175 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
- Rutland: Insurance costs 1.57% more
- Breckinridge: Insurance costs 1.10% less
- Lees Lick: Insurance costs 3.10% less
- Davis: Insurance costs 4.48% less
- Sadieville: Insurance costs 2.29% less
- Renaker: Insurance costs 1.10% more
- Poindexter: Insurance costs 1.43% less
- Cynthiana: Insurance costs 1.19% less
- Hinton: Insurance costs 1.05% more
- Muddy Ford: Insurance costs 4.95% less
Cities with Similar Populations
- Towns: Insurance costs 18.10% less
- Flat Rock: Insurance costs 49.40% less
- Flint: Insurance costs 44.69% less
- Florence: Insurance costs 35.64% less
- Forest: Insurance costs 43.54% less
- Foreston: Insurance costs 15.67% less
- Forksville: Insurance costs 34.54% less
- Tillman: Insurance costs 15.67% less
- Toronto: Insurance costs 25.25% less
- Fitzwilliam Depot: Insurance costs 43.26% less