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Get Cheap Car Insurance in Oil Springs, KY
We monitor insurance prices, helping the average driver in Oil Springs save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Oil Springs
The chart below shows the cheapest car insurance company in Oil Springs 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.
| Oil Springs Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $66 |
| State Farm | $66 |
| Travelers | $96 |
| Geico | $104 |
Savings for Every Kind of Oil Springs Driver
Based on our extensive insurance data, we know the average Oil Springs 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 $583 per year by choosing the right vehicle insurance company. Some Oil Springs residents are paying out over $2,309 extra every year for auto insurance in Oil Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oil Springs, KY Savings / Yr. |
|---|---|
$583 |
|
$957 |
|
$941 |
|
$952 |
|
$1,885 |
|
$631 |
|
$1,011 |
Oil Springs Car Insurance vs. Kentucky
People living in Oil Springs pay an average of 8.21% more than the typical driver in the state. The average driver in Oil Springs can expect to pay about $1,189 per year, or $2,309 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Oil Springs for most people.
Car Insurance Prices by Oil Springs Neighborhood
Insurance Prices
Where is insurance cheapest within Oil Springs?
The map shows insurance prices in and around Oil Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $169 per year within the city boundaries, with insurance premiums ranging from a high of $2,410 to a low of $2,241. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of Oil Springs.Pick the Best Car Insurance Company for You in Oil Springs
The best car insurance provider for most drivers in Oil Springs
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $583 over the average Oil Springs car insurance company.
The best car insurance provider for Oil Springs 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 $957 over the competition.
The best car insurance company for Oil Springs drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $941 better than other car insurance companies.
The best auto insurance for Oil Springs drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $952 less each year.
The least expensive car insurance company for new and young drivers in Oil Springs
In Oil Springs, State Farm costs young drivers $1,885 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oil Springs
State Farm gave the largest car insurance discounts to married couples, averaging $631 saved each year compared to an average Oil Springs couple's premiums.
The cheapest car insurance in Oil Springs for drivers with bad credit
The best Oil Springs car insurance company for customer service
Nationwide was the best company for customer service in Oil Springs according to the NAIC.
Recent price drops
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The cheapest large national provider in Oil Springs
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oil Springs 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 Oil Springs, 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 Oil Springs
What Influences the Cost of Car Insurance in Oil Springs?
On average, car insurance in Oil Springs 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 Oil Springs is 39 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 Oil Springs 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.
- Oil Springs 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 Oil Springs is $99 per month for minimum coverage and $192 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
- Staffordsville: Insurance costs 1.17% less
- Fuget: Insurance costs 3.90% more
- Volga: Insurance costs 1.56% more
- Lacey: Insurance costs 6.24% more
- Flat Fork: Insurance costs 1.47% more
- Hagerhill: Insurance costs 0.56% less
- Collista: Insurance costs 3.33% less
- Relief: Insurance costs 1.21% more
- Flatgap: Insurance costs 1.47% more
- Wittensville: Insurance costs 1.04% less
Cities with Similar Populations
- Rauville: Insurance costs 35.43% less
- Navajo: Insurance costs 37.46% less
- New Douglas: Insurance costs 37.29% less
- Newell: Insurance costs 47.90% less
- Newman Grove: Insurance costs 39.41% less
- North Lawrence: Insurance costs 11.61% less
- Norwood: Insurance costs 22.22% less
- Oak Grove Heights: Insurance costs 29.15% less
- Oak Park: Insurance costs 27.50% less
- Odin: Insurance costs 22.13% less