Cheapest Car Insurance Quotes in Annville

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Annville Car Insurance

^$ 31

/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 Annville

The car insurance rate in Annville is $1267 for a six-month policy, which is $245 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $538, making it a popular choice for budget-conscious drivers. Rates in Annville 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 Annville

$1267

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Annville

1st place: AutoOwners Insurance Co

At $538 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $589 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $774 for six months, making it the third cheapest auto insurance company in Annville.

Annville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Annville, KY is AutoOwners Insurance Co, offering policies at just $538 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $589.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1473 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Annville drivers find the best deals.

Cheap Car Insurance Companies in Annville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$538	$92
Cincinnati	$589	$98
Kentucky Farm Bureau	$774	$130
Travelers	$1009	$170
Farm Bureau	$1039	$176
Shelter	$1135	$191
Auto-Owners	$1215	$207
Nationwide	$1223	$206
USAA	$1238	$208
State Farm	$1378	$232
Electric	$1428	$243
Progressive	$1591	$268
Allstate	$3124	$526
Grange	$1473	$246

Key Takeaways

Way's key takeaways about car insurance in Annville

The auto insurance costs in Annville fall around $538 for six months.
The cheapest auto insurance company in Annville is Cincinnati.
Teen drivers pay the highest rate in Annville at $1729 per month.

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Cheapest Minimum Liability Car Insurance in Annville

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 Annville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Annville. Their Average 6 Month Premium is $185. Allstate is the most expensive at $1290 for the same period.

Cheapest Liability Coverage in Annville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$185	$31
Auto-Owners Insurance Co	$250	$42
Kentucky Farm Bureau	$280	$47
Electric	$303	$51
Nationwide	$353	$60
USAA	$368	$62
Farm Bureau	$383	$64
Travelers	$398	$67
Westfield	$413	$68
State Farm	$428	$72
Progressive	$471	$79
Shelter	$501	$84
Auto-Owners	$553	$92
Allstate	$1290	$217

Cheapest Full Coverage Car Insurance in Annville

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 Annville is AutoOwners Insurance Co at $92 per month and $538 for six months.

Cheapest Full Coverage Car Insurance Quotes in Annville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$538	$92
Cincinnati	$589	$98
Kentucky Farm Bureau	$774	$130
Travelers	$1009	$170
Farm Bureau	$1039	$176
Shelter	$1135	$191
Auto-Owners	$1215	$207
Nationwide	$1223	$206
USAA	$1238	$208
State Farm	$1378	$232
Electric	$1428	$243
Progressive	$1591	$268
Allstate	$3124	$526
Grange	$1473	$246

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Average Car Insurance in Annville 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 Annville, KY increasing?

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

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

Car Insurance Premiums by Age in Annville

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
20s	USAA	$1226
30s	Auto-Owners	$930
40s	Auto-Owners	$909
50s	Auto-Owners	$868
60s	USAA	$903
70s	State Farm	$1006

Cheapest Car Insurance Rates for Teen Drivers in Annville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Annville at $40 per month. At $10267 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$236	$40
Auto-Owners Insurance Co	$353	$60
Kentucky Farm Bureau	$1178	$198
Travelers	$1591	$268
Farm Bureau	$1621	$273
USAA	$1864	$314
Shelter	$2335	$393
State Farm	$2644	$445
Auto-Owners	$3683	$614
Progressive	$4935	$831
Allstate	$10267	$1729

Teen Car Insurance Rates in KY by Age

Way Tip

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

As young drivers face the highest rates in Annville, USAA offers the cheapest auto insurance rates at $1226 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 Annville, Cincinnati is the cheapest car insurance provider. At $316 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 Annville is Allstate, offering rates of around $6689 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$316	$53
Nationwide	$471	$81
Travelers	$1326	$223
Progressive	$1518	$255
USAA	$2438	$407
Farm Bureau	$3174	$539
Auto-Owners	$3520	$587
Shelter	$3610	$614
State Farm	$4795	$799
Allstate	$6689	$1137

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Car Insurance Rates with An Accident in Annville

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 Annville, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Annville include AutoOwners Insurance Co and Electric, offering $376 and $376, respectively. Allstate is an expensive provider with an average six-month premium of $5414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$376	$62
Electric	$376	$64
Cincinnati	$398	$66
Kentucky Farm Bureau	$546	$92
Farm Bureau	$774	$130
Travelers	$950	$160
State Farm	$987	$166
Shelter	$1090	$184
USAA	$1135	$191
Auto-Owners	$1672	$284
Progressive	$1871	$315
Allstate	$5414	$911

Annville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Annville KY. For example, the car insurance in Annville after a DUI increases to $1540 for a six month policy. While the rate increases by $390 for a six-month policy in the case of a speeding ticket.

Annville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1797	$300
One Med/PIP claim	$1812	$308
Two Med/PIP claims	$1886	$314
Not-at-fault accident	$1937	$330
One comp claim	$1967	$327
Failure to wear a seat belt	$1989	$339
Failure to show documents	$2055	$342
Two comp claims	$2055	$350
Driving without lights	$2062	$343
Child safety restraint	$2084	$355
Cell phone violation	$2165	$361
Driving with expired registration	$2172	$370
Texting while driving	$2172	$362
Driving too slowly	$2187	$372
Failure to stop at a red light	$2187	$365
Failure to yield	$2187	$372
Speeding 6 - 10 MPH over limit	$2187	$365
Speeding in school zone	$2187	$372
Following too closely	$2195	$366
Illegal turn	$2195	$373
Speeding 11 - 15 MPH over limit	$2195	$366
Wrong way/wrong lane	$2195	$373
Improper passing	$2202	$367
Speeding 16 - 20 MPH over limit	$2202	$374
Speeding 21 - 25 MPH over limit	$2247	$374
In 65 MPH zone	$2262	$384
Passing school bus	$2298	$383
Open container	$2357	$401
At-fault accident - less than $1000	$2401	$401
Operating a vehicle without permission	$2578	$439
At-fault accident - $1000-$2000	$2608	$434
At-fault accident - greater than $2000	$2608	$444
Reckless driving	$3277	$547
Refusal to submit to a chemical test	$3322	$565
DUI	$3337	$556
Driving with a suspended license	$3344	$569
Racing	$3359	$559
Leaving scene of an accident/hit and run	$3395	$578

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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 Annville 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 Annville.

The cheapest car insurance premiums in Annville are offered by Cincinnati at $494 for a six-month policy. However, it can be as expensive as $2806 with companies like AutoOwners.

Annville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$494	$82
Kentucky Farm Bureau	$656	$112
Travelers	$884	$149
Progressive	$1075	$181
Shelter	$1083	$182
State Farm	$1112	$187
USAA	$1252	$211
Allstate	$2387	$402
Farm Bureau	$2423	$404
Auto-Owners	$2806	$477

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 Annville are offered by Cincinnati at $221. However, it can be as expensive as $3675 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Annville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$221	$37
Kentucky Farm Bureau	$265	$45
Auto-Owners Insurance Co	$303	$51
State Farm	$832	$140
Travelers	$899	$151
Shelter	$965	$162
Farm Bureau	$1039	$176
Progressive	$1208	$203
Auto-Owners	$1238	$211
USAA	$1488	$248
Allstate	$3675	$625

Car Insurance Price Trends in Annville, Kentucky

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

The average cost of full coverage in the Annville rose by $275 in December compared to $273 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Annville rose to $77 in December, compared to $74 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Annville?

The car insurance in Annville is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Annville?

The cheapest car insurance in Annville is $92 per month for full coverage.

How much is car insurance in Annville for teenagers?

Car insurance for teenagers costs $236 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 Annville?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $213 per month to insure your car in Annville.

Is car insurance expensive in Annville?

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

Cheapest Car Insurance Quotes in Annville

Why you can trust Way?

How Much Is Car Insurance in Annville

Avg. Car Insurance in Annville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Annville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Annville Car Insurance Rates by Company

Cheap Car Insurance Companies in Annville, KY

Way's key takeaways about car insurance in Annville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Annville

Cheapest Liability Coverage in Annville, KY

Cheapest Full Coverage Car Insurance in Annville

Cheapest Full Coverage Car Insurance Quotes in Annville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Annville by Rating Factor

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

Car Insurance Premiums by Age in Annville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Annville,KY

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

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 Annville

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

Annville Car Insurance Rates by Violation

Annville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Annville after a DUI

Annville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Annville after Speeding ticket

Car Insurance Price Trends in Annville, Kentucky

Average Car Insurance Cost in Annville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Annville, KY

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

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