Cheapest Car Insurance Quotes in Shepardsville

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Shepardsville Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Shepardsville

The car insurance rate in Shepardsville is $801 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $311, making it a popular choice for budget-conscious drivers. Rates in Shepardsville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Shepardsville

$801

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Shepardsville

1st place: American Family

At $311 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $432 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $439 for six months, making it the third cheapest auto insurance company in Shepardsville.

Shepardsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shepardsville, IN is American Family, offering policies at just $311 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $432.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1627 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shepardsville drivers find the best deals.

Cheap Car Insurance Companies in Shepardsville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$311	$52
Auto-Owners Insurance Co	$432	$74
Westfield	$439	$73
Nationwide	$547	$92
Hastings Mutual	$610	$103
USAA	$623	$105
Hastings Insurance	$687	$114
Progressive	$724	$122
Travelers	$724	$122
Auto-Owners	$820	$138
Farm Bureau	$1049	$174
State Farm	$1163	$196
Allstate	$1468	$247
Farmers	$1627	$277

Key Takeaways

Way's key takeaways about car insurance in Shepardsville

The auto insurance costs in Shepardsville fall around $311 for six months.
The cheapest auto insurance company in Shepardsville is Westfield.
Teen drivers pay the highest rate in Shepardsville at $706 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Shepardsville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Shepardsville are given below.

Westfield provides the cheapest minimum car insurance coverage in Shepardsville. Their Average 6 Month Premium is $134. Farmers is the most expensive at $584 for the same period.

Cheapest Liability Coverage in Shepardsville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
American Family	$171	$29
Auto-Owners Insurance Co	$178	$30
USAA	$178	$30
Hastings Mutual	$190	$32
Indiana Farmers	$197	$33
Progressive	$229	$39
Auto-Owners	$235	$40
Grange	$235	$40
Travelers	$248	$42
SafeAuto	$261	$44
Farm Bureau	$318	$55
State Farm	$318	$54
Allstate	$553	$93
Farmers	$584	$97

Cheapest Full Coverage Car Insurance in Shepardsville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Shepardsville is American Family at $52 per month and $311 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shepardsville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$311	$52
Auto-Owners Insurance Co	$432	$74
Westfield	$439	$73
Nationwide	$547	$92
Hastings Mutual	$610	$103
USAA	$623	$105
Hastings Insurance	$687	$114
Progressive	$724	$122
Travelers	$724	$122
Auto-Owners	$820	$138
Farm Bureau	$1049	$174
State Farm	$1163	$196
Allstate	$1468	$247
Farmers	$1627	$277

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Average Car Insurance in Shepardsville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Shepardsville, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Shepardsville, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Shepardsville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Shepardsville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$411
40s	USAA	$385
50s	USAA	$365
60s	USAA	$380
70s	Buckeye Insurance Group	$406

Cheapest Car Insurance Rates for Teen Drivers in Shepardsville,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Shepardsville at $27 per month. At $4151 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
American Family	$178	$30
Auto-Owners Insurance Co	$229	$39
Grange	$248	$42
USAA	$699	$118
Travelers	$902	$152
Progressive	$979	$165
Auto-Owners	$2402	$409
Allstate	$3133	$522
State Farm	$3318	$564
Farm Bureau	$3693	$615
Farmers	$4151	$706

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Shepardsville.

As young drivers face the highest rates in Shepardsville, USAA offers the cheapest auto insurance rates at $411 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Shepardsville, Westfield is the cheapest car insurance provider. At $255 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Shepardsville is State Farm, offering rates of around $4754 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
American Family	$266	$45
Nationwide	$299	$50
Grange	$318	$54
Progressive	$813	$137
Travelers	$820	$138
USAA	$953	$163
Allstate	$1271	$214
Farm Bureau	$2149	$365
Auto-Owners	$2657	$443
Farmers	$2657	$452
State Farm	$4754	$793

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Shepardsville.

Car Insurance Rates with An Accident in Shepardsville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Shepardsville, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Shepardsville

The cheapest car insurance companies after an at-fault accident in Shepardsville include American Family and AutoOwners Insurance Co, offering $216 and $248, respectively. Allstate is an expensive provider with an average six-month premium of $2625.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$216	$36
Auto-Owners Insurance Co	$248	$42
Indiana Farmers	$255	$43
Grange	$279	$47
USAA	$489	$82
Travelers	$566	$95
Auto-Owners	$591	$100
Progressive	$603	$102
State Farm	$826	$139
Farmers	$1297	$218
Farm Bureau	$1557	$260
Allstate	$2625	$446

Shepardsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shepardsville IN. For example, the car insurance in Shepardsville after a DUI increases to $807 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Shepardsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$147
One Med/PIP claim	$877	$149
Not-at-fault accident	$928	$155
Two Med/PIP claims	$941	$159
One comp claim	$947	$158
Failure to show documents	$992	$169
Failure to wear a seat belt	$998	$166
Two comp claims	$1005	$171
Child safety restraint	$1017	$169
Driving without lights	$1017	$173
Driving with expired registration	$1055	$175
Speeding 6 - 10 MPH over limit	$1074	$183
Driving too slowly	$1081	$180
Failure to yield	$1081	$184
Following too closely	$1081	$180
Illegal turn	$1081	$184
Speeding in school zone	$1081	$180
Cell phone violation	$1087	$185
Speeding 11 - 15 MPH over limit	$1087	$181
Texting while driving	$1087	$185
Wrong way/wrong lane	$1087	$181
Failure to stop at a red light	$1094	$186
Improper passing	$1100	$183
Speeding 16 - 20 MPH over limit	$1100	$187
At-fault accident - less than $1000	$1113	$185
Passing school bus	$1131	$193
Speeding 21 - 25 MPH over limit	$1189	$198
At-fault accident - $1000-$2000	$1226	$209
In 65 MPH zone	$1245	$208
At-fault accident - greater than $2000	$1252	$213
Operating a vehicle without permission	$1341	$224
Open container	$1354	$230
Racing	$1646	$274
Reckless driving	$1652	$281
Refusal to submit to a chemical test	$1671	$278
DUI	$1684	$287
Leaving scene of an accident/hit and run	$1716	$286
Driving with a suspended license	$1729	$294

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Shepardsville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Shepardsville.

The cheapest car insurance premiums in Shepardsville are offered by American Family at $216 for a six-month policy. However, it can be as expensive as $2917 with companies like Farmers.

Shepardsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$216	$36
Grange	$394	$67
Travelers	$597	$101
Progressive	$603	$102
USAA	$737	$124
Farm Bureau	$1226	$207
State Farm	$1239	$209
Allstate	$1354	$228
Auto-Owners	$1868	$315
Hastings Mutual	$2008	$341
Farmers	$2917	$486

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Shepardsville are offered by Westfield at $165. However, it can be as expensive as $2047 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shepardsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
American Family	$216	$36
Auto-Owners Insurance Co	$229	$39
Travelers	$642	$108
Progressive	$655	$110
USAA	$655	$109
State Farm	$699	$118
Auto-Owners	$947	$158
Farm Bureau	$1258	$214
Farmers	$2021	$337
Allstate	$2047	$348

Car Insurance Price Trends in Shepardsville, Indiana

Car insurance rates in Shepardsville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Shepardsville rose by $167 in January compared to $143 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Shepardsville rose to $44 in January, compared to $42 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Shepardsville?

The car insurance in Shepardsville is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Shepardsville?

The cheapest car insurance in Shepardsville is $52 per month for full coverage.

How much is car insurance in Shepardsville for teenagers?

Car insurance for teenagers costs $159 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Shepardsville?

The average cost of car insurance is $749 for a six-month policy. It will cost around $135 per month to insure your car in Shepardsville.

Is car insurance expensive in Shepardsville?

Car insurance can be expensive in Shepardsville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Shepardsville can be affordable.

Cheapest Car Insurance Quotes in Shepardsville

Why you can trust Way?

How Much Is Car Insurance in Shepardsville

Avg. Car Insurance in Shepardsville

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Shepardsville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Shepardsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Shepardsville, IN

Way's key takeaways about car insurance in Shepardsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shepardsville

Cheapest Liability Coverage in Shepardsville, IN

Cheapest Full Coverage Car Insurance in Shepardsville

Cheapest Full Coverage Car Insurance Quotes in Shepardsville, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shepardsville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Shepardsville, IN increasing?

Car Insurance Premiums by Age in Shepardsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shepardsville,IN

If you are in your twenties USAA is the best choice for car insurance in Shepardsville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Shepardsville

Cheapest Car Insurance Companies after an At-Fault Accident in Shepardsville

Shepardsville Car Insurance Rates by Violation

Shepardsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shepardsville after a DUI

Shepardsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shepardsville after Speeding ticket

Car Insurance Price Trends in Shepardsville, Indiana

Average Car Insurance Cost in Shepardsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shepardsville, IN

Car Insurance Rates by State in the USA (2025 Update)

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