Cheapest Car Insurance Quotes in Beattyville

Finding the cheapest car insurance quotes in Beattyville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Beattyville Car Insurance

^$ 29

/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 Beattyville

The car insurance rate in Beattyville is $1196 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Beattyville 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 Beattyville

$1196

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Beattyville

1st place: AutoOwners Insurance Co

At $508 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 $556 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 $730 for six months, making it the third cheapest auto insurance company in Beattyville.

Beattyville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beattyville, KY is AutoOwners Insurance Co, offering policies at just $508 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $556.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1390 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beattyville drivers find the best deals.

Cheap Car Insurance Companies in Beattyville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$87
Cincinnati	$556	$92
Kentucky Farm Bureau	$730	$123
Travelers	$952	$160
Farm Bureau	$980	$166
Shelter	$1071	$180
Auto-Owners	$1147	$195
Nationwide	$1154	$194
USAA	$1168	$197
State Farm	$1300	$219
Electric	$1348	$229
Progressive	$1501	$253
Allstate	$2947	$496
Grange	$1390	$232

Key Takeaways

Way's key takeaways about car insurance in Beattyville

The auto insurance costs in Beattyville fall around $508 for six months.
The cheapest auto insurance company in Beattyville is Cincinnati.
Teen drivers pay the highest rate in Beattyville at $1631 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 Beattyville

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 Beattyville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Beattyville. Their Average 6 Month Premium is $174. Allstate is the most expensive at $1217 for the same period.

Cheapest Liability Coverage in Beattyville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$174	$29
Auto-Owners Insurance Co	$236	$40
Kentucky Farm Bureau	$264	$44
Electric	$285	$48
Nationwide	$333	$56
USAA	$347	$59
Farm Bureau	$362	$61
Travelers	$376	$63
Westfield	$390	$64
State Farm	$404	$68
Progressive	$445	$75
Shelter	$473	$80
Auto-Owners	$522	$87
Allstate	$1217	$205

Cheapest Full Coverage Car Insurance in Beattyville

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 Beattyville is AutoOwners Insurance Co at $87 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beattyville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$87
Cincinnati	$556	$92
Kentucky Farm Bureau	$730	$123
Travelers	$952	$160
Farm Bureau	$980	$166
Shelter	$1071	$180
Auto-Owners	$1147	$195
Nationwide	$1154	$194
USAA	$1168	$197
State Farm	$1300	$219
Electric	$1348	$229
Progressive	$1501	$253
Allstate	$2947	$496
Grange	$1390	$232

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Beattyville Instantly!

Average Car Insurance in Beattyville 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 Beattyville, KY increasing?

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

Car Insurance Premiums by Age in Beattyville

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	$1157
30s	Auto-Owners	$878
40s	Auto-Owners	$858
50s	Auto-Owners	$819
60s	USAA	$852
70s	State Farm	$949

Cheapest Car Insurance Rates for Teen Drivers in Beattyville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Beattyville at $37 per month. At $9688 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$222	$37
Auto-Owners Insurance Co	$333	$56
Kentucky Farm Bureau	$1112	$187
Travelers	$1501	$253
Farm Bureau	$1529	$257
USAA	$1759	$296
Shelter	$2203	$371
State Farm	$2494	$420
Auto-Owners	$3475	$579
Progressive	$4657	$784
Allstate	$9688	$1631

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 Beattyville.

As young drivers face the highest rates in Beattyville, USAA offers the cheapest auto insurance rates at $1157 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 Beattyville, Cincinnati is the cheapest car insurance provider. At $298 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 Beattyville is Allstate, offering rates of around $6311 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$298	$50
Nationwide	$445	$76
Travelers	$1251	$211
Progressive	$1432	$241
USAA	$2300	$384
Farm Bureau	$2995	$509
Auto-Owners	$3322	$553
Shelter	$3406	$579
State Farm	$4524	$753
Allstate	$6311	$1073

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Beattyville

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

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

The cheapest car insurance companies after an at-fault accident in Beattyville include AutoOwners Insurance Co and Electric, offering $355 and $355, respectively. Allstate is an expensive provider with an average six-month premium of $5108.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$355	$59
Electric	$355	$61
Cincinnati	$376	$62
Kentucky Farm Bureau	$515	$87
Farm Bureau	$730	$123
Travelers	$896	$151
State Farm	$931	$157
Shelter	$1028	$173
USAA	$1071	$180
Auto-Owners	$1577	$268
Progressive	$1766	$297
Allstate	$5108	$860

Beattyville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beattyville KY. For example, the car insurance in Beattyville after a DUI increases to $1453 for a six month policy. While the rate increases by $369 for a six-month policy in the case of a speeding ticket.

Beattyville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1695	$283
One Med/PIP claim	$1709	$290
Two Med/PIP claims	$1780	$296
Not-at-fault accident	$1828	$311
One comp claim	$1856	$309
Failure to wear a seat belt	$1877	$319
Failure to show documents	$1939	$323
Two comp claims	$1939	$330
Driving without lights	$1946	$324
Child safety restraint	$1967	$335
Cell phone violation	$2043	$340
Driving with expired registration	$2050	$349
Texting while driving	$2050	$342
Driving too slowly	$2064	$351
Failure to stop at a red light	$2064	$344
Failure to yield	$2064	$351
Speeding 6 - 10 MPH over limit	$2064	$344
Speeding in school zone	$2064	$351
Following too closely	$2071	$345
Illegal turn	$2071	$352
Speeding 11 - 15 MPH over limit	$2071	$345
Wrong way/wrong lane	$2071	$352
Improper passing	$2078	$346
Speeding 16 - 20 MPH over limit	$2078	$353
Speeding 21 - 25 MPH over limit	$2120	$353
In 65 MPH zone	$2134	$363
Passing school bus	$2168	$362
Open container	$2224	$378
At-fault accident - less than $1000	$2265	$378
Operating a vehicle without permission	$2432	$414
At-fault accident - $1000-$2000	$2461	$410
At-fault accident - greater than $2000	$2461	$419
Reckless driving	$3092	$516
Refusal to submit to a chemical test	$3134	$534
DUI	$3148	$524
Driving with a suspended license	$3155	$537
Racing	$3170	$528
Leaving scene of an accident/hit and run	$3203	$545

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Beattyville 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 Beattyville.

The cheapest car insurance premiums in Beattyville are offered by Cincinnati at $466 for a six-month policy. However, it can be as expensive as $2648 with companies like AutoOwners.

Beattyville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$466	$77
Kentucky Farm Bureau	$619	$105
Travelers	$834	$140
Progressive	$1014	$171
Shelter	$1021	$172
State Farm	$1049	$177
USAA	$1182	$199
Allstate	$2252	$379
Farm Bureau	$2286	$381
Auto-Owners	$2648	$450

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 Beattyville are offered by Cincinnati at $208. However, it can be as expensive as $3468 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Beattyville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$208	$35
Kentucky Farm Bureau	$250	$42
Auto-Owners Insurance Co	$285	$48
State Farm	$785	$132
Travelers	$848	$143
Shelter	$910	$153
Farm Bureau	$980	$166
Progressive	$1140	$192
Auto-Owners	$1168	$199
USAA	$1404	$234
Allstate	$3468	$590

Car Insurance Price Trends in Beattyville, Kentucky

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

The average cost of full coverage in the Beattyville rose by $260 in December compared to $257 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Beattyville rose to $73 in December, compared to $70 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Beattyville?

The car insurance in Beattyville is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Beattyville?

The cheapest car insurance in Beattyville is $87 per month for full coverage.

How much is car insurance in Beattyville for teenagers?

Car insurance for teenagers costs $222 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 Beattyville?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $201 per month to insure your car in Beattyville.

Is car insurance expensive in Beattyville?

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

Cheapest Car Insurance Quotes in Beattyville

Why you can trust Way?

How Much Is Car Insurance in Beattyville

Avg. Car Insurance in Beattyville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Beattyville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Beattyville Car Insurance Rates by Company

Cheap Car Insurance Companies in Beattyville, KY

Way's key takeaways about car insurance in Beattyville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beattyville

Cheapest Liability Coverage in Beattyville, KY

Cheapest Full Coverage Car Insurance in Beattyville

Cheapest Full Coverage Car Insurance Quotes in Beattyville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beattyville by Rating Factor

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

Car Insurance Premiums by Age in Beattyville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beattyville,KY

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

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 Beattyville

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

Beattyville Car Insurance Rates by Violation

Beattyville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beattyville after a DUI

Beattyville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beattyville after Speeding ticket

Car Insurance Price Trends in Beattyville, Kentucky

Average Car Insurance Cost in Beattyville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beattyville, KY

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

Featured Blogs

Data Sources