Cheapest Car Insurance Quotes in Audubon Park

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Audubon Park Car Insurance

^$ 27

/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 Audubon Park

The car insurance rate in Audubon Park is $1177 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Audubon Park 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 Audubon Park

$1177

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Audubon Park

1st place: AutoOwners Insurance Co

At $469 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 $513 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 $674 for six months, making it the third cheapest auto insurance company in Audubon Park.

Audubon Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Audubon Park, KY is AutoOwners Insurance Co, offering policies at just $469 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $513.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Audubon Park drivers find the best deals.

Cheap Car Insurance Companies in Audubon Park, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$469	$78
Cincinnati	$513	$87
Kentucky Farm Bureau	$674	$113
Travelers	$910	$153
Shelter	$1020	$172
USAA	$1052	$177
Auto-Owners	$1244	$207
Electric	$1244	$212
State Farm	$1244	$210
Farm Bureau	$1309	$222
Progressive	$1386	$233
Nationwide	$1495	$252
Allstate	$2745	$458

Key Takeaways

Way's key takeaways about car insurance in Audubon Park

The auto insurance costs in Audubon Park fall around $469 for six months.
The cheapest auto insurance company in Audubon Park is Cincinnati.
Teen drivers pay the highest rate in Audubon Park at $1380 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Audubon Park

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 Audubon Park are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Audubon Park. Their Average 6 Month Premium is $161. Allstate is the most expensive at $1026 for the same period.

Cheapest Liability Coverage in Audubon Park, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$161	$27
Auto-Owners Insurance Co	$218	$37
Kentucky Farm Bureau	$244	$41
Electric	$264	$44
USAA	$321	$54
Travelers	$340	$57
Westfield	$360	$62
Farm Bureau	$378	$64
State Farm	$391	$66
Progressive	$430	$72
Shelter	$443	$75
Auto-Owners	$513	$85
Nationwide	$609	$103
Allstate	$1026	$171

Cheapest Full Coverage Car Insurance in Audubon Park

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 Audubon Park is AutoOwners Insurance Co at $78 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Audubon Park, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$469	$78
Cincinnati	$513	$87
Kentucky Farm Bureau	$674	$113
Travelers	$910	$153
Shelter	$1020	$172
USAA	$1052	$177
Auto-Owners	$1244	$207
Electric	$1244	$212
State Farm	$1244	$210
Farm Bureau	$1309	$222
Progressive	$1386	$233
Nationwide	$1495	$252
Allstate	$2745	$458

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Average Car Insurance in Audubon Park 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 Audubon Park, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Audubon Park, 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, Audubon Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Audubon Park

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	$1030
30s	Auto-Owners	$781
40s	Auto-Owners	$764
50s	Auto-Owners	$729
60s	USAA	$758
70s	State Farm	$845

Cheapest Car Insurance Rates for Teen Drivers in Audubon Park,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Audubon Park at $35 per month. At $8283 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$205	$35
Auto-Owners Insurance Co	$308	$52
Kentucky Farm Bureau	$1026	$173
Travelers	$1488	$251
USAA	$1745	$294
Farm Bureau	$1976	$333
Shelter	$2130	$359
State Farm	$2412	$406
Auto-Owners	$3374	$573
Progressive	$4227	$712
Nationwide	$8257	$1404
Allstate	$8283	$1380

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 Audubon Park.

As young drivers face the highest rates in Audubon Park, USAA offers the cheapest auto insurance rates at $1030 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 Audubon Park, Cincinnati is the cheapest car insurance provider. At $275 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 Audubon Park is Allstate, offering rates of around $5826 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$275	$46
Travelers	$1251	$211
Progressive	$1290	$217
USAA	$1604	$273
Nationwide	$2027	$341
Shelter	$3432	$583
Auto-Owners	$3509	$585
Farm Bureau	$4004	$680
State Farm	$5311	$886
Allstate	$5826	$990

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Audubon Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Audubon Park

The cheapest car insurance companies after an at-fault accident in Audubon Park include AutoOwners Insurance Co and Electric, offering $327 and $327, respectively. Allstate is an expensive provider with an average six-month premium of $4087.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$327	$54
Electric	$327	$56
Cincinnati	$347	$57
Farm Bureau	$436	$75
Kentucky Farm Bureau	$475	$80
Travelers	$873	$147
State Farm	$892	$150
USAA	$956	$161
Shelter	$982	$165
Progressive	$1668	$281
Auto-Owners	$1732	$288
Nationwide	$3574	$608
Allstate	$4087	$681

Audubon Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Audubon Park KY. For example, the car insurance in Audubon Park after a DUI increases to $1341 for a six month policy. While the rate increases by $340 for a six-month policy in the case of a speeding ticket.

Audubon Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1565	$261
One Med/PIP claim	$1578	$268
Two Med/PIP claims	$1643	$273
Not-at-fault accident	$1687	$287
One comp claim	$1713	$285
Failure to wear a seat belt	$1732	$295
Failure to show documents	$1790	$298
Two comp claims	$1790	$305
Driving without lights	$1796	$299
Child safety restraint	$1815	$309
Cell phone violation	$1886	$314
Driving with expired registration	$1892	$322
Texting while driving	$1892	$315
Driving too slowly	$1905	$324
Failure to stop at a red light	$1905	$318
Failure to yield	$1905	$324
Speeding 6 - 10 MPH over limit	$1905	$318
Speeding in school zone	$1905	$324
Following too closely	$1912	$319
Illegal turn	$1912	$325
Speeding 11 - 15 MPH over limit	$1912	$319
Wrong way/wrong lane	$1912	$325
Improper passing	$1918	$320
Speeding 16 - 20 MPH over limit	$1918	$326
Speeding 21 - 25 MPH over limit	$1957	$326
In 65 MPH zone	$1970	$335
Passing school bus	$2001	$334
Open container	$2053	$349
At-fault accident - less than $1000	$2091	$349
Operating a vehicle without permission	$2245	$382
At-fault accident - $1000-$2000	$2271	$378
At-fault accident - greater than $2000	$2271	$387
Reckless driving	$2854	$476
Refusal to submit to a chemical test	$2893	$492
DUI	$2906	$484
Driving with a suspended license	$2913	$496
Racing	$2926	$487
Leaving scene of an accident/hit and run	$2957	$503

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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 Audubon Park 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 Audubon Park.

The cheapest car insurance premiums in Audubon Park are offered by Cincinnati at $430 for a six-month policy. However, it can be as expensive as $4652 with companies like Nationwide.

Audubon Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$430	$73
Allstate	$558	$93
Kentucky Farm Bureau	$571	$97
Travelers	$827	$139
Progressive	$917	$154
Shelter	$988	$166
State Farm	$1039	$175
USAA	$1206	$203
Auto-Owners	$2854	$485
Farm Bureau	$3099	$516
Nationwide	$4652	$791

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 Audubon Park are offered by Cincinnati at $192. However, it can be as expensive as $3201 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Audubon Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$192	$32
Kentucky Farm Bureau	$231	$39
Auto-Owners Insurance Co	$264	$44
State Farm	$802	$135
Travelers	$860	$145
Shelter	$899	$151
Progressive	$1129	$190
USAA	$1174	$200
Auto-Owners	$1302	$217
Farm Bureau	$1309	$222
Nationwide	$2348	$391
Allstate	$3201	$544

Car Insurance Price Trends in Audubon Park, Kentucky

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

The average cost of full coverage in the Audubon Park rose by $244 in January compared to $240 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Audubon Park dipped to $66 in January, compared to $67 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Audubon Park?

The car insurance in Audubon Park is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Audubon Park?

The cheapest car insurance in Audubon Park is $78 per month for full coverage.

How much is car insurance in Audubon Park for teenagers?

Car insurance for teenagers costs $205 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 Audubon Park?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $198 per month to insure your car in Audubon Park.

Is car insurance expensive in Audubon Park?

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

Cheapest Car Insurance Quotes in Audubon Park

Why you can trust Way?

How Much Is Car Insurance in Audubon Park

Avg. Car Insurance in Audubon Park

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Audubon Park

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Audubon Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Audubon Park, KY

Way's key takeaways about car insurance in Audubon Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Audubon Park

Cheapest Liability Coverage in Audubon Park, KY

Cheapest Full Coverage Car Insurance in Audubon Park

Cheapest Full Coverage Car Insurance Quotes in Audubon Park, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Audubon Park by Rating Factor

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

Car Insurance Premiums by Age in Audubon Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Audubon Park,KY

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

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 Audubon Park

Cheapest Car Insurance Companies after an At-Fault Accident in Audubon Park

Audubon Park Car Insurance Rates by Violation

Audubon Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Audubon Park after a DUI

Audubon Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Audubon Park after Speeding ticket

Car Insurance Price Trends in Audubon Park, Kentucky

Average Car Insurance Cost in Audubon Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Audubon Park, KY

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

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