Cheapest Car Insurance Quotes in Ashland

Cheapest Minimum Liability Car Insurance in Ashland

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 Ashland are given below. 

Cincinnati provides the cheapest minimum car insurance coverage in Ashland. Their Average 6 Month Premium is $122. Allstate is the most expensive at $779 for the same period. 

Cheapest Liability Coverage in Ashland, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$122	$21
Auto-Owners Insurance Co	$166	$28
Kentucky Farm Bureau	$185	$31
Electric	$200	$34
USAA	$244	$41
Travelers	$258	$43
Westfield	$273	$47
Farm Bureau	$287	$48
State Farm	$297	$50
Progressive	$326	$55
Shelter	$336	$57
Auto-Owners	$390	$65
Nationwide	$462	$78
Allstate	$779	$130

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Cheapest Full Coverage Car Insurance in Ashland

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 Ashland is AutoOwners Insurance Co at $59 per month and $356 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Ashland, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$59
Cincinnati	$390	$66
Kentucky Farm Bureau	$512	$86
Travelers	$691	$116
Shelter	$774	$130
USAA	$799	$134
Auto-Owners	$945	$157
Electric	$945	$161
State Farm	$945	$159
Farm Bureau	$994	$169
Progressive	$1052	$177
Nationwide	$1135	$191
Allstate	$2084	$348

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Car Insurance Premiums by Age in Ashland

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	$782
30s	Auto-Owners	$593
40s	Auto-Owners	$580
50s	Auto-Owners	$554
60s	USAA	$576
70s	State Farm	$641

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Ashland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ashland KY. For example, the car insurance in Ashland after a DUI increases to $1019 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.  

Ashland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1198	$203
Two Med/PIP claims	$1247	$207
Not-at-fault accident	$1281	$218
One comp claim	$1301	$216
Failure to wear a seat belt	$1315	$224
Failure to show documents	$1359	$226
Two comp claims	$1359	$231
Driving without lights	$1364	$227
Child safety restraint	$1378	$235
Cell phone violation	$1432	$239
Driving with expired registration	$1437	$244
Texting while driving	$1437	$239
Driving too slowly	$1446	$246
Failure to stop at a red light	$1446	$241
Failure to yield	$1446	$246
Speeding 6 - 10 MPH over limit	$1446	$241
Speeding in school zone	$1446	$246
Following too closely	$1451	$242
Illegal turn	$1451	$247
Speeding 11 - 15 MPH over limit	$1451	$242
Wrong way/wrong lane	$1451	$247
Improper passing	$1456	$243
Speeding 16 - 20 MPH over limit	$1456	$248
Speeding 21 - 25 MPH over limit	$1486	$248
In 65 MPH zone	$1496	$254
Passing school bus	$1519	$253
Open container	$1559	$265
At-fault accident - less than $1000	$1588	$265
Operating a vehicle without permission	$1705	$290
At-fault accident - $1000-$2000	$1724	$287
At-fault accident - greater than $2000	$1724	$294
Reckless driving	$2167	$362
Refusal to submit to a chemical test	$2197	$374
DUI	$2207	$367
Driving with a suspended license	$2212	$376
Racing	$2221	$370
Leaving scene of an accident/hit and run	$2245	$382

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