Cheapest Car Insurance Quotes in Barbourville

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Barbourville Car Insurance

^$ 28

/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 Barbourville

The car insurance rate in Barbourville is $1124 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Barbourville 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 Barbourville

$1124

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Barbourville

1st place: AutoOwners Insurance Co

At $477 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 $523 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 $686 for six months, making it the third cheapest auto insurance company in Barbourville.

Barbourville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Barbourville, KY is AutoOwners Insurance Co, offering policies at just $477 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $523.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1307 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Barbourville drivers find the best deals.

Cheap Car Insurance Companies in Barbourville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$81
Cincinnati	$523	$87
Kentucky Farm Bureau	$686	$116
Travelers	$895	$151
Farm Bureau	$922	$156
Shelter	$1007	$169
Auto-Owners	$1078	$184
Nationwide	$1085	$183
USAA	$1098	$185
State Farm	$1222	$206
Electric	$1267	$216
Progressive	$1411	$238
Allstate	$2771	$466
Grange	$1307	$218

Key Takeaways

Way's key takeaways about car insurance in Barbourville

The auto insurance costs in Barbourville fall around $477 for six months.
The cheapest auto insurance company in Barbourville is Cincinnati.
Teen drivers pay the highest rate in Barbourville at $1533 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 Barbourville

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 Barbourville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Barbourville. Their Average 6 Month Premium is $164. Allstate is the most expensive at $1144 for the same period.

Cheapest Liability Coverage in Barbourville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$164	$28
Auto-Owners Insurance Co	$222	$37
Kentucky Farm Bureau	$249	$42
Electric	$268	$45
Nationwide	$314	$53
USAA	$327	$55
Farm Bureau	$340	$57
Travelers	$353	$59
Westfield	$366	$61
State Farm	$380	$64
Progressive	$418	$70
Shelter	$444	$75
Auto-Owners	$491	$81
Allstate	$1144	$193

Cheapest Full Coverage Car Insurance in Barbourville

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 Barbourville is AutoOwners Insurance Co at $81 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Barbourville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$81
Cincinnati	$523	$87
Kentucky Farm Bureau	$686	$116
Travelers	$895	$151
Farm Bureau	$922	$156
Shelter	$1007	$169
Auto-Owners	$1078	$184
Nationwide	$1085	$183
USAA	$1098	$185
State Farm	$1222	$206
Electric	$1267	$216
Progressive	$1411	$238
Allstate	$2771	$466
Grange	$1307	$218

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Average Car Insurance in Barbourville 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 Barbourville, KY increasing?

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

Car Insurance Premiums by Age in Barbourville

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	$1088
30s	Auto-Owners	$825
40s	Auto-Owners	$806
50s	Auto-Owners	$770
60s	USAA	$801
70s	State Farm	$892

Cheapest Car Insurance Rates for Teen Drivers in Barbourville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Barbourville at $35 per month. At $9108 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$209	$35
Auto-Owners Insurance Co	$314	$53
Kentucky Farm Bureau	$1045	$176
Travelers	$1411	$238
Farm Bureau	$1438	$242
USAA	$1653	$278
Shelter	$2071	$349
State Farm	$2345	$395
Auto-Owners	$3267	$545
Progressive	$4378	$737
Allstate	$9108	$1533

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 Barbourville.

As young drivers face the highest rates in Barbourville, USAA offers the cheapest auto insurance rates at $1088 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 Barbourville, Cincinnati is the cheapest car insurance provider. At $281 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 Barbourville is Allstate, offering rates of around $5933 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$281	$47
Nationwide	$418	$72
Travelers	$1176	$198
Progressive	$1346	$227
USAA	$2163	$361
Farm Bureau	$2816	$479
Auto-Owners	$3123	$520
Shelter	$3202	$545
State Farm	$4254	$708
Allstate	$5933	$1009

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Car Insurance Rates with An Accident in Barbourville

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

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

The cheapest car insurance companies after an at-fault accident in Barbourville include AutoOwners Insurance Co and Electric, offering $333 and $333, respectively. Allstate is an expensive provider with an average six-month premium of $4803.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$333	$55
Electric	$333	$57
Cincinnati	$353	$58
Kentucky Farm Bureau	$484	$81
Farm Bureau	$686	$116
Travelers	$843	$142
State Farm	$876	$147
Shelter	$967	$163
USAA	$1007	$169
Auto-Owners	$1483	$252
Progressive	$1660	$279
Allstate	$4803	$809

Barbourville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Barbourville KY. For example, the car insurance in Barbourville after a DUI increases to $1366 for a six month policy. While the rate increases by $346 for a six-month policy in the case of a speeding ticket.

Barbourville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1594	$266
One Med/PIP claim	$1607	$273
Two Med/PIP claims	$1673	$278
Not-at-fault accident	$1718	$293
One comp claim	$1745	$290
Failure to wear a seat belt	$1764	$300
Failure to show documents	$1823	$304
Two comp claims	$1823	$310
Driving without lights	$1829	$305
Child safety restraint	$1849	$315
Cell phone violation	$1921	$320
Driving with expired registration	$1927	$328
Texting while driving	$1927	$321
Driving too slowly	$1940	$330
Failure to stop at a red light	$1940	$323
Failure to yield	$1940	$330
Speeding 6 - 10 MPH over limit	$1940	$323
Speeding in school zone	$1940	$330
Following too closely	$1947	$325
Illegal turn	$1947	$331
Speeding 11 - 15 MPH over limit	$1947	$325
Wrong way/wrong lane	$1947	$331
Improper passing	$1954	$326
Speeding 16 - 20 MPH over limit	$1954	$332
Speeding 21 - 25 MPH over limit	$1993	$332
In 65 MPH zone	$2006	$341
Passing school bus	$2038	$340
Open container	$2091	$355
At-fault accident - less than $1000	$2130	$355
Operating a vehicle without permission	$2287	$389
At-fault accident - $1000-$2000	$2313	$385
At-fault accident - greater than $2000	$2313	$394
Reckless driving	$2907	$485
Refusal to submit to a chemical test	$2947	$502
DUI	$2960	$493
Driving with a suspended license	$2967	$505
Racing	$2980	$496
Leaving scene of an accident/hit and run	$3012	$513

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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 Barbourville 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 Barbourville.

The cheapest car insurance premiums in Barbourville are offered by Cincinnati at $438 for a six-month policy. However, it can be as expensive as $2489 with companies like AutoOwners.

Barbourville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$438	$73
Kentucky Farm Bureau	$582	$99
Travelers	$784	$132
Progressive	$954	$161
Shelter	$960	$162
State Farm	$987	$166
USAA	$1111	$187
Allstate	$2118	$356
Farm Bureau	$2149	$359
Auto-Owners	$2489	$424

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 Barbourville are offered by Cincinnati at $196. However, it can be as expensive as $3260 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Barbourville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Kentucky Farm Bureau	$235	$40
Auto-Owners Insurance Co	$268	$45
State Farm	$738	$124
Travelers	$798	$134
Shelter	$856	$144
Farm Bureau	$922	$156
Progressive	$1071	$180
Auto-Owners	$1098	$187
USAA	$1320	$220
Allstate	$3260	$554

Car Insurance Price Trends in Barbourville, Kentucky

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

The average cost of full coverage in the Barbourville rose by $244 in December compared to $242 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 Barbourville rose to $68 in December, compared to $66 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Barbourville?

The car insurance in Barbourville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Barbourville?

The cheapest car insurance in Barbourville is $81 per month for full coverage.

How much is car insurance in Barbourville for teenagers?

Car insurance for teenagers costs $209 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 Barbourville?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $189 per month to insure your car in Barbourville.

Is car insurance expensive in Barbourville?

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

Cheapest Car Insurance Quotes in Barbourville

Why you can trust Way?

How Much Is Car Insurance in Barbourville

Avg. Car Insurance in Barbourville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Barbourville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Barbourville Car Insurance Rates by Company

Cheap Car Insurance Companies in Barbourville, KY

Way's key takeaways about car insurance in Barbourville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Barbourville

Cheapest Liability Coverage in Barbourville, KY

Cheapest Full Coverage Car Insurance in Barbourville

Cheapest Full Coverage Car Insurance Quotes in Barbourville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Barbourville by Rating Factor

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

Car Insurance Premiums by Age in Barbourville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Barbourville,KY

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

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 Barbourville

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

Barbourville Car Insurance Rates by Violation

Barbourville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Barbourville after a DUI

Barbourville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Barbourville after Speeding ticket

Car Insurance Price Trends in Barbourville, Kentucky

Average Car Insurance Cost in Barbourville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Barbourville, KY

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

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