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 Lucky Stop, KY
We monitor insurance prices, helping the average driver in Lucky Stop save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Lucky Stop
The chart below shows the cheapest car insurance company in Lucky Stop 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.
| Lucky Stop Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $61 |
| State Farm | $61 |
| Travelers | $90 |
| Geico | $97 |
Savings for Every Kind of Lucky Stop Driver
Based on our extensive insurance data, we know the average Lucky Stop 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 $544 per year by choosing the right vehicle insurance company. Some Lucky Stop residents are paying out over $2,154 extra every year for auto insurance in Lucky Stop. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lucky Stop, KY Savings / Yr. |
|---|---|
$544 |
|
$892 |
|
$878 |
|
$888 |
|
$1,759 |
|
$589 |
|
$943 |
Lucky Stop Car Insurance vs. Kentucky
People living in Lucky Stop pay an average of 0.96% more than the typical driver in the state. The average driver in Lucky Stop can expect to pay about $1,110 per year, or $2,154 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Lucky Stop for most people.
Car Insurance Prices by Lucky Stop Neighborhood
Insurance Prices
Where is insurance cheapest within Lucky Stop?
The map shows insurance prices in and around Lucky Stop, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $11 per year within the city boundaries, with insurance premiums ranging from a high of $2,157 to a low of $2,146. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Lucky Stop.Pick the Best Car Insurance Company for You in Lucky Stop
The best car insurance provider for most drivers in Lucky Stop
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $544 over the average Lucky Stop car insurance company.
The best car insurance provider for Lucky Stop 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 $892 over the competition.
The best car insurance company for Lucky Stop drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $878 better than other car insurance companies.
The best auto insurance for Lucky Stop drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $888 less each year.
The least expensive car insurance company for new and young drivers in Lucky Stop
In Lucky Stop, State Farm costs young drivers $1,759 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lucky Stop
State Farm gave the largest car insurance discounts to married couples, averaging $589 saved each year compared to an average Lucky Stop couple's premiums.
The cheapest car insurance in Lucky Stop for drivers with bad credit
The best Lucky Stop car insurance company for customer service
Nationwide was the best company for customer service in Lucky Stop according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lucky Stop, which was better than other insurers.
The cheapest large national provider in Lucky Stop
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lucky Stop 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 Lucky Stop, 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 Lucky Stop
What Influences the Cost of Car Insurance in Lucky Stop?
On average, car insurance in Lucky Stop 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 Lucky Stop is 41 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 Lucky Stop are about average 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.
- Lucky Stop is a lightly populated area 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 Lucky Stop is $92 per month for minimum coverage and $180 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
- Jeffersonville: Insurance costs 0.60% more
- Means: Insurance costs 0.28% more
- Hope: Insurance costs 0.84% less
- Levee: Insurance costs 0.74% more
- Camargo: Insurance costs 2.51% less
- Howards Mill: Insurance costs 2.18% less
- Rothwell: Insurance costs 0.32% more
- Preston: Insurance costs 1.53% less
- Stepstone: Insurance costs 2.27% less
- Bowen: Insurance costs 2.69% more
Cities with Similar Populations
- Barbours Creek: Insurance costs 44.52% less
- White Mound: Insurance costs 23.68% less
- Beulahtown: Insurance costs 41.04% less
- Batesland: Insurance costs 20.19% less
- Winterpock: Insurance costs 43.41% less
- Baldwin: Insurance costs 33.57% less
- Ava: Insurance costs 3.90% less
- Attica: Insurance costs 27.53% less
- Alakanuk: Insurance costs 36.58% less
- Powhatan: Insurance costs 21.40% less