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Get Cheap Car Insurance in Mount Sterling, KY
We monitor insurance prices, helping the average driver in Mount Sterling save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Mount Sterling
The chart below shows the cheapest car insurance company in Mount Sterling 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.
| Mount Sterling Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $89 |
| Geico | $95 |
Savings for Every Kind of Mount Sterling Driver
Based on our extensive insurance data, we know the average Mount Sterling 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 $537 per year by choosing the right vehicle insurance company. Some Mount Sterling residents are paying out over $2,124 extra every year for auto insurance in Mount Sterling. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mount Sterling, KY Savings / Yr. |
|---|---|
$537 |
|
$880 |
|
$866 |
|
$876 |
|
$1,734 |
|
$580 |
|
$930 |
Mount Sterling Car Insurance vs. Kentucky
People living in Mount Sterling pay an average of 0.46% less than the typical driver in the state. The average driver in Mount Sterling can expect to pay about $1,094 per year, or $2,124 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Mount Sterling for most people.
Car Insurance Prices by Mount Sterling Neighborhood
Insurance Prices
Where is insurance cheapest within Mount Sterling?
The map shows insurance prices in and around Mount Sterling, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $267 per year within the city boundaries, with insurance premiums ranging from a high of $2,279 to a low of $2,012. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Mount Sterling.Pick the Best Car Insurance Company for You in Mount Sterling
The best car insurance provider for most drivers in Mount Sterling
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $537 over the average Mount Sterling car insurance company.
The best car insurance provider for Mount Sterling 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 $880 over the competition.
The best car insurance company for Mount Sterling drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $866 better than other car insurance companies.
The best auto insurance for Mount Sterling drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $876 less each year.
The least expensive car insurance company for new and young drivers in Mount Sterling
In Mount Sterling, State Farm costs young drivers $1,734 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mount Sterling
State Farm gave the largest car insurance discounts to married couples, averaging $580 saved each year compared to an average Mount Sterling couple's premiums.
The cheapest car insurance in Mount Sterling for drivers with bad credit
The best Mount Sterling car insurance company for customer service
Nationwide was the best company for customer service in Mount Sterling according to the NAIC.
Recent price drops
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The cheapest large national provider in Mount Sterling
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mount Sterling 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 Mount Sterling, 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 Mount Sterling
What Influences the Cost of Car Insurance in Mount Sterling?
On average, car insurance in Mount Sterling 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 Mount Sterling is 27 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 Mount Sterling are lower 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.
- Mount Sterling is a fairly densely populated area 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 Mount Sterling is $91 per month for minimum coverage and $177 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
- Howards Mill: Insurance costs 0.80% less
- Camargo: Insurance costs 1.13% less
- Stoops: Insurance costs 1.46% less
- Grassy Lick: Insurance costs 4.10% less
- Prewitt: Insurance costs 1.88% more
- Judy: Insurance costs 2.97% less
- Sideview: Insurance costs 4.99% less
- Stepstone: Insurance costs 0.89% less
- Goffs Corner: Insurance costs 0.99% more
- Jeffersonville: Insurance costs 2.02% more
Cities with Similar Populations
- Harrodsburg: Insurance costs 1.27% less
- Hewitt: Insurance costs 24.72% less
- Hershey: Insurance costs 39.88% less
- Hermitage: Insurance costs 35.59% less
- Hereford: Insurance costs 8.71% less
- Hedgesville: Insurance costs 34.46% less
- Hebron: Insurance costs 4.10% less
- Hazlet: Insurance costs 14.27% less
- Hastings: Insurance costs 31.12% more
- Hartland: Insurance costs 47.88% less