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Get Cheap Car Insurance in Virgie, KY

We monitor insurance prices, helping the average driver in Virgie save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in Virgie

The chart below shows the cheapest car insurance company in Virgie 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.

 
Virgie Insurer Monthly Cost
Farm Bureau $67
State Farm $67
Travelers $98
Geico $105

Savings for Every Kind of Virgie Driver

The table shows how much the average auto insurance customer in Virgie might save by following our recommendations.

Based on our extensive insurance data, we know the average Virgie 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 $591 per year by choosing the right vehicle insurance company. Some Virgie residents are paying out over $2,342 extra every year for auto insurance in Virgie. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Virgie, KY Savings / Yr.
Drivers with good records
$591
Drivers with accidents
$970
Drivers with speeding tickets
$955
Drivers with a DUI conviction
$966
Young drivers
$1,912
Married drivers
$640
Drivers with bad credit
$1,025

Virgie Car Insurance vs. Kentucky

People living in Virgie pay an average of 9.74% more than the typical driver in the state. The average driver in Virgie can expect to pay about $1,206 per year, or $2,342 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Virgie for most people.

Car Insurance Prices by Virgie Neighborhood

Virgie, KY map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Virgie?

The map shows insurance prices in and around Virgie, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $130 per year within the city boundaries, with insurance premiums ranging from a high of $2,388 to a low of $2,258. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Virgie.

Pick the Best Car Insurance Company for You in Virgie

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Virgie insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Virgie

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $591 over the average Virgie car insurance company.

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We use the average good driver, paying $146 per month, as our baseline for pricing in Virgie. State Farm, Farm Bureau, and Westfield are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Virgie drivers with accidents on their records

In Virgie getting into an accident will raise premiums an average 30% for a yearly cost of $3,361. That's $1,019 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $970 over the competition.

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The best car insurance company for Virgie drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $955 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Virgie, tickets raise premiums on new quotes about $669. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $3,011 per year.

The best auto insurance for Virgie drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,795 per year in auto insurance premiums, which was $1,453 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $966 less each year.

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The least expensive car insurance company for new and young drivers in Virgie

In Virgie, State Farm costs young drivers $1,912 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Virgie. With an average cost of $7,110 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farm Bureau, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Virgie

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $142. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Virgie.

State Farm gave the largest car insurance discounts to married couples, averaging $640 saved each year compared to an average Virgie couple's premiums.

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The cheapest car insurance in Virgie for drivers with bad credit

People with poor credit saved an average of $1,025 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,822 every year. Premiums for people with poor credit were about $4,164 in Virgie. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Safe Auto.

The best Virgie car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Virgie, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Virgie.

Nationwide was the best company for customer service in Virgie according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Virgie, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Virgie. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Virgie

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 12% of Virgie residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Virgie driver can expect to pay about $144 per month.

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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 Virgie, 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.
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Auto Insurance Prices in and Around Virgie

What Influences the Cost of Car Insurance in Virgie?

On average, car insurance in Virgie 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 Virgie is 40 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 Virgie 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.
  • Virgie has an average population density 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 Virgie is $101 per month for minimum coverage and $195 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

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* Who is the average Virgie driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Virgie with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.