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Get Cheap Car Insurance in Palmer, KY
We monitor insurance prices, helping the average driver in Palmer save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Palmer
The chart below shows the cheapest car insurance company in Palmer 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.
| Palmer Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $64 |
| State Farm | $64 |
| Travelers | $94 |
| Geico | $102 |
Savings for Every Kind of Palmer Driver
Based on our extensive insurance data, we know the average Palmer 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 $571 per year by choosing the right vehicle insurance company. Some Palmer residents are paying out over $2,262 extra every year for auto insurance in Palmer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palmer, KY Savings / Yr. |
|---|---|
$571 |
|
$937 |
|
$922 |
|
$933 |
|
$1,847 |
|
$618 |
|
$990 |
Palmer Car Insurance vs. Kentucky
People living in Palmer pay an average of 6.01% more than the typical driver in the state. The average driver in Palmer can expect to pay about $1,165 per year, or $2,262 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Palmer for most people.
Car Insurance Prices by Palmer Neighborhood
Insurance Prices
Where is insurance cheapest within Palmer?
The map shows insurance prices in and around Palmer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1 per year within the city boundaries, with insurance premiums ranging from a high of $2,263 to a low of $2,262. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Palmer.Pick the Best Car Insurance Company for You in Palmer
The best car insurance provider for most drivers in Palmer
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $571 over the average Palmer car insurance company.
The best car insurance provider for Palmer 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 $937 over the competition.
The best car insurance company for Palmer drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $922 better than other car insurance companies.
The best auto insurance for Palmer drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $933 less each year.
The least expensive car insurance company for new and young drivers in Palmer
In Palmer, State Farm costs young drivers $1,847 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palmer
State Farm gave the largest car insurance discounts to married couples, averaging $618 saved each year compared to an average Palmer couple's premiums.
The cheapest car insurance in Palmer for drivers with bad credit
The best Palmer car insurance company for customer service
Recent price drops
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The cheapest large national provider in Palmer
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Palmer 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 Palmer, 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 Palmer
What Influences the Cost of Car Insurance in Palmer?
On average, car insurance in Palmer 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 Palmer is 36 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 Palmer are among the highest 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.
- Palmer 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 Palmer is $97 per month for minimum coverage and $189 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
- Hargett: Insurance costs the same
- College Hill: Insurance costs 5.31% less
- Doylesville: Insurance costs 6.85% less
- Fox: Insurance costs the same
- Trapp: Insurance costs 1.15% less
- Log Lick: Insurance costs 1.11% less
- Bloomingdale: Insurance costs 3.93% less
- Union City: Insurance costs 9.86% less
- Ruckerville: Insurance costs 1.77% less
- Winston: Insurance costs 4.91% less
Cities with Similar Populations
- Kirksey: Insurance costs 28.87% less
- San Geronimo: Insurance costs 14.41% less
- Lawrenceburg: Insurance costs 21.57% less
- Lawrence: Insurance costs 43.81% less
- Laurelwood: Insurance costs 28.87% less
- Lamar Heights: Insurance costs 21.13% less
- Lake Pleasant: Insurance costs 35.41% less
- Lake Desolation: Insurance costs 8.27% less
- Ladoga: Insurance costs 52.56% less
- Laceola: Insurance costs 27.94% less