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Get Cheap Car Insurance in Phoenix Hill, Louisville, KY
We monitor insurance prices, helping the average driver in Phoenix Hill save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Phoenix Hill
The chart below shows the cheapest car insurance company in Phoenix Hill 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.
| Phoenix Hill Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $74 |
| State Farm | $74 |
| Travelers | $108 |
| Geico | $116 |
Savings for Every Kind of Phoenix Hill Driver
Based on our extensive insurance data, we know the average Phoenix Hill 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 $654 per year by choosing the right vehicle insurance company. Some Phoenix Hill residents are paying out over $2,588 extra every year for auto insurance in Phoenix Hill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phoenix Hill, Louisville, KY Savings / Yr. |
|---|---|
$654 |
|
$1,072 |
|
$1,055 |
|
$1,067 |
|
$2,113 |
|
$707 |
|
$1,133 |
Phoenix Hill Car Insurance vs. Louisville
People living in Phoenix Hill pay an average of 21.29% more than the typical driver in the state. The average driver in Phoenix Hill can expect to pay about $1,333 per year, or $2,588 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Phoenix Hill for most people.
Car Insurance Prices by Phoenix Hill Neighborhood
Insurance Prices
Where is insurance cheapest within Phoenix Hill?
The map shows insurance prices in and around Phoenix Hill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $523 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,687 to a low of $2,164. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Phoenix Hill.Pick the Best Car Insurance Company for You in Phoenix Hill
The best car insurance provider for most drivers in Phoenix Hill
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $654 over the average Phoenix Hill car insurance company.
The best car insurance provider for Phoenix Hill 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 $1,072 over the competition.
The best car insurance company for Phoenix Hill drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,055 better than other car insurance companies.
The best auto insurance for Phoenix Hill drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,067 less each year.
The least expensive car insurance company for new and young drivers in Phoenix Hill
In Phoenix Hill, State Farm costs young drivers $2,113 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phoenix Hill
State Farm gave the largest car insurance discounts to married couples, averaging $707 saved each year compared to an average Phoenix Hill couple's premiums.
The cheapest car insurance in Phoenix Hill for drivers with bad credit
The best Phoenix Hill car insurance company for customer service
Nationwide was the best company for customer service in Phoenix Hill according to the NAIC.
Recent price drops
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The cheapest large national provider in Phoenix Hill
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Phoenix Hill 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 Phoenix Hill, 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 Phoenix Hill
What Influences the Cost of Car Insurance in Phoenix Hill?
On average, car insurance in Phoenix Hill 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 neighborhood are influenced by the following factors:
- The average commute time in Phoenix Hill is 29 minutes, which is far more than average for a driver in the city.
- 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 Phoenix Hill are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Phoenix Hill is a lightly populated area in the state. The neighborhood’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 Phoenix Hill is $111 per month for minimum coverage and $216 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 Neighborhoods
- Central Business District: Insurance costs 7.65% less
- Germantown: Insurance costs 13.14% less
- Old Louisville: Insurance costs 10.36% less
- Cherokee Triangle: Insurance costs 17.08% less
- Clifton: Insurance costs 17.00% less
- Schnitzelburg: Insurance costs 17.47% less
- Clifton Heights: Insurance costs 15.22% less
- Russell: Insurance costs 6.61% more
- Deer Park: Insurance costs 18.51% less
- Saint Joseph: Insurance costs 13.33% less
Neighborhoods with Similar Populations
- Lace: Insurance costs 39.06% less
- Terra del Sol: Insurance costs 33.69% less
- Swan: Insurance costs 23.30% more
- Spring Park: Insurance costs 1.70% more
- Morris Heights: Insurance costs 12.52% less
- Mission Hills: Insurance costs 6.80% less
- Menlo Park: Insurance costs 27.51% less
- Meadowbrook: Insurance costs 7.26% less
- McKinley Avenue Corridor: Insurance costs 53.83% less
- McClellan Park: Insurance costs 55.06% less