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Get Cheap Car Insurance in Walton, KY

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

 

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The Cheapest Minimum Coverage in Walton

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

 
Walton Insurer Monthly Cost
Farm Bureau $58
State Farm $58
Travelers $85
Geico $92

Savings for Every Kind of Walton Driver

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

Based on our extensive insurance data, we know the average Walton 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 $517 per year by choosing the right vehicle insurance company. Some Walton residents are paying out over $2,048 extra every year for auto insurance in Walton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Walton, KY Savings / Yr.
Drivers with good records
$517
Drivers with accidents
$848
Drivers with speeding tickets
$835
Drivers with a DUI conviction
$844
Young drivers
$1,672
Married drivers
$559
Drivers with bad credit
$896

Walton Car Insurance vs. Kentucky

People living in Walton pay an average of 4.04% less than the typical driver in the state. The average driver in Walton can expect to pay about $1,055 per year, or $2,048 for full coverage.

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

Car Insurance Prices by Walton Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Walton?

The map shows insurance prices in and around Walton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $259 per year within the city boundaries, with insurance premiums ranging from a high of $2,265 to a low of $2,006. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Walton.

Pick the Best Car Insurance Company for You in Walton

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 Walton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Walton

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $517 over the average Walton car insurance company.

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We use the average good driver, paying $128 per month, as our baseline for pricing in Walton. 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 Walton drivers with accidents on their records

In Walton getting into an accident will raise premiums an average 30% for a yearly cost of $2,939. That's $891 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 $848 over the competition.

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The best car insurance company for Walton drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $835 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 Walton, tickets raise premiums on new quotes about $585. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,633 per year.

The best auto insurance for Walton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,318 per year in auto insurance premiums, which was $1,271 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 $844 less each year.

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

In Walton, State Farm costs young drivers $1,672 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 Walton. With an average cost of $6,217 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 Walton

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $124. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Walton.

State Farm gave the largest car insurance discounts to married couples, averaging $559 saved each year compared to an average Walton couple's premiums.

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The cheapest car insurance in Walton for drivers with bad credit

People with poor credit saved an average of $896 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,593 every year. Premiums for people with poor credit were about $3,641 in Walton. 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 Walton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Walton, 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 Walton.

Nationwide was the best company for customer service in Walton 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 Walton, 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 Walton. 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 Walton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Walton 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 Walton 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 Walton, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Walton

What Influences the Cost of Car Insurance in Walton?

On average, car insurance in Walton 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 Walton is 32 minutes, which is about the national average for a driver in the state.
  • Kentucky state insurance regulations may require higher prices.
  • An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Walton 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.
  • Walton 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 Walton is $88 per month for minimum coverage and $171 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.

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* Who is the average Walton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Walton 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.