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Get Cheap Car Insurance in Napier, KY
We monitor insurance prices, helping the average driver in Napier save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Napier
The chart below shows the cheapest car insurance company in Napier 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.
| Napier Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $67 |
| State Farm | $67 |
| Travelers | $98 |
| Geico | $105 |
Savings for Every Kind of Napier Driver
Based on our extensive insurance data, we know the average Napier 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 $593 per year by choosing the right vehicle insurance company. Some Napier residents are paying out over $2,348 extra every year for auto insurance in Napier. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Napier, KY Savings / Yr. |
|---|---|
$593 |
|
$973 |
|
$957 |
|
$968 |
|
$1,917 |
|
$642 |
|
$1,028 |
Napier Car Insurance vs. Kentucky
People living in Napier pay an average of 10.04% more than the typical driver in the state. The average driver in Napier can expect to pay about $1,209 per year, or $2,348 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Napier for most people.
Car Insurance Prices by Napier Neighborhood
Insurance Prices
Where is insurance cheapest within Napier?
The map shows insurance prices in and around Napier, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $135 per year within the city boundaries, with insurance premiums ranging from a high of $2,398 to a low of $2,263. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Napier.Pick the Best Car Insurance Company for You in Napier
The best car insurance provider for most drivers in Napier
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $593 over the average Napier car insurance company.
The best car insurance provider for Napier 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 $973 over the competition.
The best car insurance company for Napier drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $957 better than other car insurance companies.
The best auto insurance for Napier drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $968 less each year.
The least expensive car insurance company for new and young drivers in Napier
In Napier, State Farm costs young drivers $1,917 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Napier
State Farm gave the largest car insurance discounts to married couples, averaging $642 saved each year compared to an average Napier couple's premiums.
The cheapest car insurance in Napier for drivers with bad credit
The best Napier car insurance company for customer service
Recent price drops
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The cheapest large national provider in Napier
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Napier 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 Napier, 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 Napier
What Influences the Cost of Car Insurance in Napier?
On average, car insurance in Napier 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 Napier is 63 minutes, which is far 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 Napier are lower than average 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 F according to CrimeGrade.org.
- Napier 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 Napier is $101 per month for minimum coverage and $196 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
- Big Laurel: Insurance costs 2.90% less
- Chappell: Insurance costs 2.13% more
- Big Rock: Insurance costs 1.36% less
- Putney: Insurance costs 5.03% less
- Rosspoint: Insurance costs 6.52% less
- Bledsoe: Insurance costs 2.94% less
- Mozelle: Insurance costs 4.77% more
- Lewis Creek: Insurance costs 0.21% less
- Yeaddiss: Insurance costs 1.02% less
- Baxter: Insurance costs 6.35% less
Cities with Similar Populations
- Keeler: Insurance costs 20.53% less
- Juno Ridge: Insurance costs 15.20% more
- Juno: Insurance costs 29.17% less
- Juntura: Insurance costs 42.25% less
- Kahakuloa: Insurance costs 43.31% less
- Kampville: Insurance costs 22.40% less
- Kansas: Insurance costs 50.47% less
- Kapaia: Insurance costs 49.74% less
- Katemcy: Insurance costs 30.96% less
- Kawaihau: Insurance costs 50.72% less