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Get Cheap Car Insurance in Payneville, KY
We monitor insurance prices, helping the average driver in Payneville save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Payneville
The chart below shows the cheapest car insurance company in Payneville 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.
| Payneville Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $88 |
| Geico | $95 |
Savings for Every Kind of Payneville Driver
Based on our extensive insurance data, we know the average Payneville 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 Payneville residents are paying out over $2,109 extra every year for auto insurance in Payneville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Payneville, KY Savings / Yr. |
|---|---|
$533 |
|
$874 |
|
$860 |
|
$870 |
|
$1,722 |
|
$576 |
|
$923 |
Payneville Car Insurance vs. Kentucky
People living in Payneville pay an average of 1.17% less than the typical driver in the state. The average driver in Payneville can expect to pay about $1,086 per year, or $2,109 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Payneville for most people.
Car Insurance Prices by Payneville Neighborhood
Insurance Prices
Where is insurance cheapest within Payneville?
The map shows insurance prices in and around Payneville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $24 per year within the city boundaries, with insurance premiums ranging from a high of $2,115 to a low of $2,091. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Payneville.Pick the Best Car Insurance Company for You in Payneville
The best car insurance provider for most drivers in Payneville
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $533 over the average Payneville car insurance company.
The best car insurance provider for Payneville 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 Payneville 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 Payneville 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 Payneville
In Payneville, State Farm costs young drivers $1,722 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Payneville
State Farm gave the largest car insurance discounts to married couples, averaging $576 saved each year compared to an average Payneville couple's premiums.
The cheapest car insurance in Payneville for drivers with bad credit
The best Payneville car insurance company for customer service
Nationwide was the best company for customer service in Payneville according to the NAIC.
Recent price drops
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The cheapest large national provider in Payneville
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Payneville 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 Payneville, 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 Payneville
What Influences the Cost of Car Insurance in Payneville?
On average, car insurance in Payneville 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 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Payneville are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Payneville is a fairly densely populated area 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 Payneville 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
- Rhodelia: Insurance costs 0.19% more
- Battletown: Insurance costs 0.43% less
- Concordia: Insurance costs 0.85% less
- Wolf Creek: Insurance costs 0.85% less
- Union Star: Insurance costs 0.09% less
- Webster: Insurance costs 1.00% more
- Lodiburg: Insurance costs 0.09% less
- Alton: Insurance costs 40.97% less
- Mauckport: Insurance costs 42.39% less
- Magnet: Insurance costs 42.11% less
Cities with Similar Populations
- Dowell: Insurance costs 19.30% less
- Thompson: Insurance costs 15.27% less
- Thetford Center: Insurance costs 44.00% less
- Sutton: Insurance costs 33.00% less
- Emerson: Insurance costs 33.76% less
- Ector: Insurance costs 16.26% less
- Earth: Insurance costs 16.97% less
- Eagle Bend: Insurance costs 23.85% less
- Duboistown: Insurance costs 39.73% less
- Thornton: Insurance costs 6.59% more