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Get Cheap Car Insurance in Oak Grove, KY
We monitor insurance prices, helping the average driver in Oak Grove save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Oak Grove
The chart below shows the cheapest car insurance company in Oak 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.
| Oak Grove Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $61 |
| State Farm | $62 |
| Travelers | $90 |
| Geico | $97 |
Savings for Every Kind of Oak Grove Driver
Based on our extensive insurance data, we know the average Oak 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 $546 per year by choosing the right vehicle insurance company. Some Oak Grove residents are paying out over $2,162 extra every year for auto insurance in Oak Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Grove, KY Savings / Yr. |
|---|---|
$546 |
|
$896 |
|
$882 |
|
$892 |
|
$1,765 |
|
$591 |
|
$946 |
Oak Grove Car Insurance vs. Kentucky
People living in Oak Grove pay an average of 1.33% more than the typical driver in the state. The average driver in Oak Grove can expect to pay about $1,114 per year, or $2,162 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Oak Grove for most people.
Car Insurance Prices by Oak Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Grove?
The map shows insurance prices in and around Oak Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $361 per year within the city boundaries, with insurance premiums ranging from a high of $2,345 to a low of $1,984. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Oak Grove.Pick the Best Car Insurance Company for You in Oak Grove
The best car insurance provider for most drivers in Oak Grove
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $546 over the average Oak Grove car insurance company.
The best car insurance provider for Oak 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 $896 over the competition.
The best car insurance company for Oak Grove drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $882 better than other car insurance companies.
The best auto insurance for Oak Grove drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $892 less each year.
The least expensive car insurance company for new and young drivers in Oak Grove
In Oak Grove, State Farm costs young drivers $1,765 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Grove
State Farm gave the largest car insurance discounts to married couples, averaging $591 saved each year compared to an average Oak Grove couple's premiums.
The cheapest car insurance in Oak Grove for drivers with bad credit
The best Oak Grove car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oak Grove
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak 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 Oak 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 Oak Grove
What Influences the Cost of Car Insurance in Oak Grove?
On average, car insurance in Oak Grove 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:
- 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 Oak Grove 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 F according to CrimeGrade.org.
- Oak Grove 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 Oak Grove is $93 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
- Fort Campbell North: Insurance costs 2.64% more
- Fort Campbell: Insurance costs 37.37% less
- St. Elmo: Insurance costs 6.75% less
- Howel: Insurance costs 8.23% less
- Clarksville: Insurance costs 34.46% less
- Trenton: Insurance costs 6.89% less
- Pembroke: Insurance costs 6.20% less
- Hampton Station: Insurance costs 37.05% less
- Woodlawn: Insurance costs 37.79% less
- Hadensville: Insurance costs 6.43% less
Cities with Similar Populations
- Adel: Insurance costs 21.97% less
- Yreka: Insurance costs 16.51% less
- Winslow: Insurance costs 16.70% less
- Winnsboro: Insurance costs 40.38% more
- Wilmington: Insurance costs 33.90% less
- Walnutport: Insurance costs 36.08% less
- Audubon: Insurance costs 17.85% less
- Aspen: Insurance costs 15.31% less
- Ashland: Insurance costs 16.00% less
- Archer Lodge: Insurance costs 39.69% less