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Get Cheap Car Insurance in St. Matthews, KY
We monitor insurance prices, helping the average driver in St. Matthews save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in St. Matthews
The chart below shows the cheapest car insurance company in St. Matthews 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.
| St. Matthews Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $59 |
| State Farm | $60 |
| Travelers | $87 |
| Geico | $94 |
Savings for Every Kind of St. Matthews Driver
Based on our extensive insurance data, we know the average St. Matthews 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 $528 per year by choosing the right vehicle insurance company. Some St. Matthews residents are paying out over $2,092 extra every year for auto insurance in St. Matthews. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Matthews, KY Savings / Yr. |
|---|---|
$528 |
|
$867 |
|
$853 |
|
$863 |
|
$1,708 |
|
$571 |
|
$916 |
St. Matthews Car Insurance vs. Kentucky
People living in St. Matthews pay an average of 1.98% less than the typical driver in the state. The average driver in St. Matthews can expect to pay about $1,077 per year, or $2,092 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in St. Matthews for most people.
Car Insurance Prices by St. Matthews Neighborhood
Insurance Prices
Where is insurance cheapest within St. Matthews?
The map shows insurance prices in and around St. Matthews, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $184 per year within the city boundaries, with insurance premiums ranging from a high of $2,196 to a low of $2,012. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of St. Matthews.Pick the Best Car Insurance Company for You in St. Matthews
The best car insurance provider for most drivers in St. Matthews
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $528 over the average St. Matthews car insurance company.
The best car insurance provider for St. Matthews 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 $867 over the competition.
The best car insurance company for St. Matthews drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $853 better than other car insurance companies.
The best auto insurance for St. Matthews drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $863 less each year.
The least expensive car insurance company for new and young drivers in St. Matthews
In St. Matthews, State Farm costs young drivers $1,708 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Matthews
State Farm gave the largest car insurance discounts to married couples, averaging $571 saved each year compared to an average St. Matthews couple's premiums.
The cheapest car insurance in St. Matthews for drivers with bad credit
The best St. Matthews car insurance company for customer service
Nationwide was the best company for customer service in St. Matthews according to the NAIC.
Recent price drops
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The cheapest large national provider in St. Matthews
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average St. Matthews 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 St. Matthews, 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 St. Matthews
What Influences the Cost of Car Insurance in St. Matthews?
On average, car insurance in St. Matthews 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 St. Matthews is 23 minutes, which is far 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 St. Matthews are among the lowest 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.
- St. Matthews is one of the least populated areas 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 St. Matthews is $90 per month for minimum coverage and $174 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
- Richlawn: Insurance costs 0.76% more
- Beechwood Village: Insurance costs 0.33% less
- Woodlawn Park: Insurance costs 6.12% less
- Windy Hills: Insurance costs 2.01% less
- Norwood: Insurance costs 0.43% less
- Meadowview Estates: Insurance costs 2.20% less
- Graymoor-Devondale: Insurance costs 0.24% less
- St. Regis Park: Insurance costs 2.53% less
- Rolling Fields: Insurance costs 1.39% less
- Indian Hills: Insurance costs 0.76% less
Cities with Similar Populations
- Cedar Mill: Insurance costs 20.55% less
- Valle Vista: Insurance costs 2.20% more
- Vinton: Insurance costs 43.40% less
- Wallingford Center: Insurance costs 6.02% less
- Walnut Grove: Insurance costs 29.83% less
- Warwick: Insurance costs 12.48% more
- Waterville: Insurance costs 53.54% less
- Charlotte: Insurance costs 30.21% more
- Chaparral: Insurance costs 30.69% less
- Centralia: Insurance costs 30.31% less