Cheapest Car Insurance Quotes in Blaine

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Blaine 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 Blaine

The car insurance rate in Blaine is $1254 for a six-month policy, which is $164 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Blaine 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 Blaine

$1254

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Blaine

1st place: AutoOwners Insurance Co

At $499 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 $546 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 $718 for six months, making it the third cheapest auto insurance company in Blaine.

Blaine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blaine, KY is AutoOwners Insurance Co, offering policies at just $499 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $546.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2923 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blaine drivers find the best deals.

Cheap Car Insurance Companies in Blaine, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$499	$83
Cincinnati	$546	$93
Kentucky Farm Bureau	$718	$121
Travelers	$969	$163
Shelter	$1086	$183
USAA	$1120	$189
Auto-Owners	$1325	$221
Electric	$1325	$225
State Farm	$1325	$223
Farm Bureau	$1394	$237
Progressive	$1475	$248
Nationwide	$1592	$268
Allstate	$2923	$488

Key Takeaways

Way's key takeaways about car insurance in Blaine

The auto insurance costs in Blaine fall around $499 for six months.
The cheapest auto insurance company in Blaine is Cincinnati.
Teen drivers pay the highest rate in Blaine at $1470 per month.

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Cheapest Minimum Liability Car Insurance in Blaine

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 Blaine are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Blaine. Their Average 6 Month Premium is $171. Allstate is the most expensive at $1093 for the same period.

Cheapest Liability Coverage in Blaine, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$171	$29
Auto-Owners Insurance Co	$232	$39
Kentucky Farm Bureau	$260	$44
Electric	$281	$47
USAA	$342	$57
Travelers	$362	$61
Westfield	$383	$66
Farm Bureau	$402	$68
State Farm	$416	$70
Progressive	$458	$77
Shelter	$471	$79
Auto-Owners	$546	$91
Nationwide	$649	$109
Allstate	$1093	$182

Cheapest Full Coverage Car Insurance in Blaine

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 Blaine is AutoOwners Insurance Co at $83 per month and $499 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blaine, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$499	$83
Cincinnati	$546	$93
Kentucky Farm Bureau	$718	$121
Travelers	$969	$163
Shelter	$1086	$183
USAA	$1120	$189
Auto-Owners	$1325	$221
Electric	$1325	$225
State Farm	$1325	$223
Farm Bureau	$1394	$237
Progressive	$1475	$248
Nationwide	$1592	$268
Allstate	$2923	$488

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Average Car Insurance in Blaine 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 Blaine, KY increasing?

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

Car Insurance Premiums by Age in Blaine

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	$1097
30s	Auto-Owners	$831
40s	Auto-Owners	$813
50s	Auto-Owners	$776
60s	USAA	$807
70s	State Farm	$899

Cheapest Car Insurance Rates for Teen Drivers in Blaine,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Blaine at $37 per month. At $8819 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$218	$37
Auto-Owners Insurance Co	$328	$55
Kentucky Farm Bureau	$1093	$184
Travelers	$1585	$267
USAA	$1858	$313
Farm Bureau	$2105	$354
Shelter	$2268	$382
State Farm	$2568	$432
Auto-Owners	$3593	$611
Progressive	$4501	$758
Nationwide	$8792	$1495
Allstate	$8819	$1470

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 Blaine.

As young drivers face the highest rates in Blaine, USAA offers the cheapest auto insurance rates at $1097 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 Blaine, Cincinnati is the cheapest car insurance provider. At $293 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 Blaine is Allstate, offering rates of around $6203 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$293	$49
Travelers	$1332	$224
Progressive	$1373	$231
USAA	$1708	$291
Nationwide	$2159	$363
Shelter	$3655	$621
Auto-Owners	$3736	$623
Farm Bureau	$4263	$725
State Farm	$5656	$943
Allstate	$6203	$1055

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

Car Insurance Rates with An Accident in Blaine

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

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

The cheapest car insurance companies after an at-fault accident in Blaine include AutoOwners Insurance Co and Electric, offering $348 and $348, respectively. Allstate is an expensive provider with an average six-month premium of $4352.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$348	$57
Electric	$348	$60
Cincinnati	$369	$61
Farm Bureau	$465	$79
Kentucky Farm Bureau	$506	$85
Travelers	$929	$156
State Farm	$950	$160
USAA	$1018	$171
Shelter	$1045	$176
Progressive	$1776	$299
Auto-Owners	$1845	$307
Nationwide	$3805	$647
Allstate	$4352	$726

Blaine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blaine KY. For example, the car insurance in Blaine after a DUI increases to $1429 for a six month policy. While the rate increases by $363 for a six-month policy in the case of a speeding ticket.

Blaine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1666	$278
One Med/PIP claim	$1680	$285
Two Med/PIP claims	$1749	$291
Not-at-fault accident	$1796	$306
One comp claim	$1824	$304
Failure to wear a seat belt	$1845	$314
Failure to show documents	$1906	$317
Two comp claims	$1906	$324
Driving without lights	$1912	$319
Child safety restraint	$1933	$329
Cell phone violation	$2008	$335
Driving with expired registration	$2015	$343
Texting while driving	$2015	$336
Driving too slowly	$2029	$345
Failure to stop at a red light	$2029	$338
Failure to yield	$2029	$345
Speeding 6 - 10 MPH over limit	$2029	$338
Speeding in school zone	$2029	$345
Following too closely	$2035	$339
Illegal turn	$2035	$346
Speeding 11 - 15 MPH over limit	$2035	$339
Wrong way/wrong lane	$2035	$346
Improper passing	$2042	$340
Speeding 16 - 20 MPH over limit	$2042	$347
Speeding 21 - 25 MPH over limit	$2084	$347
In 65 MPH zone	$2098	$357
Passing school bus	$2131	$355
Open container	$2186	$371
At-fault accident - less than $1000	$2226	$371
Operating a vehicle without permission	$2391	$407
At-fault accident - $1000-$2000	$2418	$402
At-fault accident - greater than $2000	$2418	$412
Reckless driving	$3039	$507
Refusal to submit to a chemical test	$3081	$524
DUI	$3095	$515
Driving with a suspended license	$3102	$528
Racing	$3115	$519
Leaving scene of an accident/hit and run	$3149	$536

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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 Blaine 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 Blaine.

The cheapest car insurance premiums in Blaine are offered by Cincinnati at $458 for a six-month policy. However, it can be as expensive as $4953 with companies like Nationwide.

Blaine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$458	$78
Allstate	$595	$99
Kentucky Farm Bureau	$608	$103
Travelers	$881	$148
Progressive	$976	$164
Shelter	$1052	$177
State Farm	$1106	$186
USAA	$1285	$216
Auto-Owners	$3039	$516
Farm Bureau	$3299	$550
Nationwide	$4953	$842

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 Blaine are offered by Cincinnati at $205. However, it can be as expensive as $3409 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Blaine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$205	$35
Kentucky Farm Bureau	$246	$41
Auto-Owners Insurance Co	$281	$47
State Farm	$854	$144
Travelers	$915	$154
Shelter	$957	$161
Progressive	$1202	$202
USAA	$1250	$213
Auto-Owners	$1387	$231
Farm Bureau	$1394	$237
Nationwide	$2500	$416
Allstate	$3409	$580

Car Insurance Price Trends in Blaine, Kentucky

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

The average cost of full coverage in the Blaine rose by $260 in January compared to $255 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Blaine dipped to $70 in January, compared to $71 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 Blaine?

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

What is the cheapest car insurance in Blaine?

The cheapest car insurance in Blaine is $83 per month for full coverage.

How much is car insurance in Blaine for teenagers?

Car insurance for teenagers costs $218 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 Blaine?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $210 per month to insure your car in Blaine.

Is car insurance expensive in Blaine?

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

Cheapest Car Insurance Quotes in Blaine

Why you can trust Way?

How Much Is Car Insurance in Blaine

Avg. Car Insurance in Blaine

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Blaine

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Blaine Car Insurance Rates by Company

Cheap Car Insurance Companies in Blaine, KY

Way's key takeaways about car insurance in Blaine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blaine

Cheapest Liability Coverage in Blaine, KY

Cheapest Full Coverage Car Insurance in Blaine

Cheapest Full Coverage Car Insurance Quotes in Blaine, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blaine by Rating Factor

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

Car Insurance Premiums by Age in Blaine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blaine,KY

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

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 Blaine

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

Blaine Car Insurance Rates by Violation

Blaine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blaine after a DUI

Blaine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blaine after Speeding ticket

Car Insurance Price Trends in Blaine, Kentucky

Average Car Insurance Cost in Blaine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blaine, KY

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

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