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Get Cheap Car Insurance in Owenton, KY
We monitor insurance prices, helping the average driver in Owenton save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Owenton
The chart below shows the cheapest car insurance company in Owenton 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.
| Owenton Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $88 |
| Geico | $95 |
Savings for Every Kind of Owenton Driver
Based on our extensive insurance data, we know the average Owenton 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 $533 per year by choosing the right vehicle insurance company. Some Owenton residents are paying out over $2,110 extra every year for auto insurance in Owenton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Owenton, KY Savings / Yr. |
|---|---|
$533 |
|
$874 |
|
$860 |
|
$870 |
|
$1,722 |
|
$576 |
|
$923 |
Owenton Car Insurance vs. Kentucky
People living in Owenton pay an average of 1.13% less than the typical driver in the state. The average driver in Owenton can expect to pay about $1,087 per year, or $2,110 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Owenton for most people.
Car Insurance Prices by Owenton Neighborhood
Insurance Prices
Where is insurance cheapest within Owenton?
The map shows insurance prices in and around Owenton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $136 per year within the city boundaries, with insurance premiums ranging from a high of $2,207 to a low of $2,071. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Owenton.Pick the Best Car Insurance Company for You in Owenton
The best car insurance provider for most drivers in Owenton
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $533 over the average Owenton car insurance company.
The best car insurance provider for Owenton 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 $874 over the competition.
The best car insurance company for Owenton drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $860 better than other car insurance companies.
The best auto insurance for Owenton drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $870 less each year.
The least expensive car insurance company for new and young drivers in Owenton
In Owenton, State Farm costs young drivers $1,722 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Owenton
State Farm gave the largest car insurance discounts to married couples, averaging $576 saved each year compared to an average Owenton couple's premiums.
The cheapest car insurance in Owenton for drivers with bad credit
The best Owenton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Owenton
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Owenton 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 Owenton, 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 Owenton
What Influences the Cost of Car Insurance in Owenton?
On average, car insurance in Owenton 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:
- 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 Owenton 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.
- Owenton 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 Owenton is $91 per month for minimum coverage and $176 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
- Hesler: Insurance costs 0.47% less
- Long Ridge: Insurance costs 0.71% less
- Monterey: Insurance costs 1.61% less
- Squiresville: Insurance costs 3.46% more
- Fairbanks: Insurance costs 0.24% more
- Gratz: Insurance costs 4.64% more
- Teresita: Insurance costs 1.61% less
- New: Insurance costs 1.61% less
- Holbrook: Insurance costs 0.85% less
- Canby: Insurance costs 0.62% more
Cities with Similar Populations
- Brewster: Insurance costs 38.39% less
- Bronson: Insurance costs 13.65% more
- Cedar Bluff: Insurance costs 27.73% less
- Maple Lake: Insurance costs 21.85% less
- Gervais: Insurance costs 25.40% less
- Highland Beach: Insurance costs 44.08% more
- North Grosvenordale: Insurance costs 10.00% less
- Yellville: Insurance costs 21.47% less
- Penryn: Insurance costs 9.15% less
- Phoenix Lake: Insurance costs 11.66% less