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Get Cheap Car Insurance in Simmons, KY
We monitor insurance prices, helping the average driver in Simmons save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Simmons
The chart below shows the cheapest car insurance company in Simmons 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.
| Simmons Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $59 |
| State Farm | $59 |
| Travelers | $86 |
| Geico | $93 |
Savings for Every Kind of Simmons Driver
Based on our extensive insurance data, we know the average Simmons 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 $523 per year by choosing the right vehicle insurance company. Some Simmons residents are paying out over $2,072 extra every year for auto insurance in Simmons. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Simmons, KY Savings / Yr. |
|---|---|
$523 |
|
$858 |
|
$845 |
|
$854 |
|
$1,691 |
|
$566 |
|
$907 |
Simmons Car Insurance vs. Kentucky
People living in Simmons pay an average of 2.90% less than the typical driver in the state. The average driver in Simmons can expect to pay about $1,067 per year, or $2,072 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Simmons for most people.
Car Insurance Prices by Simmons Neighborhood
Insurance Prices
Where is insurance cheapest within Simmons?
The map shows insurance prices in and around Simmons, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $61 per year within the city boundaries, with insurance premiums ranging from a high of $2,090 to a low of $2,029. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Simmons.Pick the Best Car Insurance Company for You in Simmons
The best car insurance provider for most drivers in Simmons
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $523 over the average Simmons car insurance company.
The best car insurance provider for Simmons 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 $858 over the competition.
The best car insurance company for Simmons drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $845 better than other car insurance companies.
The best auto insurance for Simmons drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $854 less each year.
The least expensive car insurance company for new and young drivers in Simmons
In Simmons, State Farm costs young drivers $1,691 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Simmons
State Farm gave the largest car insurance discounts to married couples, averaging $566 saved each year compared to an average Simmons couple's premiums.
The cheapest car insurance in Simmons for drivers with bad credit
The best Simmons car insurance company for customer service
Recent price drops
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The cheapest large national provider in Simmons
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Simmons 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 Simmons, 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 Simmons
What Influences the Cost of Car Insurance in Simmons?
On average, car insurance in Simmons 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:
- The average commute time in Simmons is 29 minutes, which is a little less 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 Simmons are higher than 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 D+ according to CrimeGrade.org.
- Simmons has an average population density 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 Simmons is $89 per month for minimum coverage and $173 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
- Echols: Insurance costs 0.68% more
- McHenry: Insurance costs 0.39% less
- Centertown: Insurance costs 0.14% more
- Rockport: Insurance costs 0.72% more
- Beaver Dam: Insurance costs 1.06% less
- Scottown: Insurance costs 0.87% more
- Nineteen: Insurance costs 0.87% more
- Martwick: Insurance costs 1.16% more
- No Creek: Insurance costs 0.77% more
- Matanzas: Insurance costs 0.05% less
Cities with Similar Populations
- Blackwater: Insurance costs 15.15% less
- Webb: Insurance costs 41.36% less
- Wattsville: Insurance costs 42.47% less
- Brooks: Insurance costs 23.99% less
- Waterloo: Insurance costs 18.05% less
- Brockton: Insurance costs 12.89% less
- Wasioja: Insurance costs 26.59% less
- Borden: Insurance costs 0.68% more
- Verdella: Insurance costs 14.72% less
- Bloomingvale: Insurance costs 17.33% less