Who Has the Cheapest Car Insurance Quotes for 19 Year Olds in Kentucky?

Wouldn’t it be perfect if we could look into our crystal ball and tell you the one best company that has the cheapest insurance for 19 year olds? It’s not that easy, however, as there are many unknown factors such as whether you have good credit, your gender, and if your vehicle is used to commute, that all impact the price you pay. We will try to teach you about the best ways to avoid high prices and will hopefully give the reader a good beginning to your search for cheaper coverage.

When shopping for the cheapest auto insurance for teenage drivers, one of the many things that play a part in determining the amount you pay for auto insurance is the neighborhood you call home. Areas that are densely populated or have higher claim frequency like Louisville, Ashland, and Paducah tend to pay more, whereas cities that are not as densely populated can boast about having cheaper rates.

The table below rates the most expensive areas in Kentucky for 19 year olds to purchase car insurance in.

Rate quotes are approximated as the specific zip code location can modify premiums considerably.

Finding reliable, affordable car insurance is not the easiest thing to do, and figuring out which company quotes the best car insurance rates for 19 year olds calls for additional perseverance. Premiums will more than likely be significantly greater than the average price in Kentucky, with the higher price attributed to the added risk related to selling coverage for teenage drivers, but reasonable coverage may be achievable if you compare enough rates.

Every insurance company uses a slightly different approach for setting rates, so first we will examine the overall cheapest car insurance companies in Kentucky. It’s important that you understand Kentucky car insurance rates are based on many factors that control your annual premium. This is why Kentucky drivers need to compare as many rates as possible when trying to find the most affordable car insurance quotes for 19 year olds. Car insurance prices are determined by many different factors and can change without notice, so the cheapest rate six months ago may now be one of the higher cost companies.

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Cincinnati Insurance has some of the cheapest car insurance rates in Kentucky at around $1,093 per year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also be considered some of the cheapest Kentucky car insurance companies.

As shown above, if you currently have coverage with Auto-Owners and switched to Cincinnati Insurance, you may realize annual savings of in the vicinity of $306. Drivers with Motorists Mutual could save as much as $460 a year, and Grange Mutual policyholders might lower prices by $484 a year.

To get a fast rate comparison, click here to start a quote or visit several of the following companies.

Understand that those rates are averages across all insureds and vehicles and and are not calculated with a price increase for 19 year olds. So the insurer that is best suited for you may not even be in the list of companies above. That underscores the importance of why you need to get rate quotes using your own driver data and vehicle information.

Impact of careless driving on Kentucky car insurance rates

The ideal way to snag the cheapest auto insurance for 19 year olds in Kentucky is to drive cautiously and avoid accidents and traffic violations. The information below illustrates how traffic citations and at-fault accidents increase insurance premiums for different age groups. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.

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The data charted above shows the average cost of auto insurance in Kentucky per year with a clean driving record and no accidents is $1,054. Get written up for one speeding ticket and the average cost surges to $1,231, an increase of $177 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for 19 year olds goes up to an average of $2,887. That’s an increase of $1,833, or $153 per month, just for a couple of infractions!

Best rates: Geico, Progressive, State Farm, or Allstate

When comparing rates for auto insurance for teenage drivers, four companies to definitely compare rates with are Geico, Progressive, State Farm, and Allstate. When added together, they make up 48.5% of the entire U.S. market share. The data below rates pricing and service ratings, plus some optional coverages that may be available in Kentucky.

How to find economical auto insurance for 19 year olds

The list below shows some thrifty suggestions that can help drivers find cheap auto insurance.

• Drive safe vehicles
• Drivers with good credit often pay less
• Having at-fault accidents will increase rates
• Buy your homeowners policy from the same company as your auto insurance
• Drop full coverage on older vehicles
• Shop around for lower rates once a year

The final tip is certainly crucial, as was emphasized in this article. Car insurance prices in Kentucky vary greatly, so drivers shouldn’t hesitate to switch companies if you can save money.

Brand loyalty is great, but it’s not recommended if that inflexibility results in costing you lots of money. Now is a great time to shop around and find cheaper car insurance for 19 year olds.