Cheapest Car Insurance Quotes in Booneville

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Booneville Car Insurance

^$ 31

/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 Booneville

The car insurance rate in Booneville is $1257 for a six-month policy, which is $235 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $534, making it a popular choice for budget-conscious drivers. Rates in Booneville 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 Booneville

$1257

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Booneville

1st place: AutoOwners Insurance Co

At $534 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 $584 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 $768 for six months, making it the third cheapest auto insurance company in Booneville.

Booneville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Booneville, KY is AutoOwners Insurance Co, offering policies at just $534 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $584.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Booneville drivers find the best deals.

Cheap Car Insurance Companies in Booneville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$534	$91
Cincinnati	$584	$97
Kentucky Farm Bureau	$768	$129
Travelers	$1001	$169
Farm Bureau	$1031	$175
Shelter	$1125	$189
Auto-Owners	$1205	$205
Nationwide	$1213	$204
USAA	$1228	$207
State Farm	$1367	$230
Electric	$1417	$241
Progressive	$1578	$266
Allstate	$3098	$522
Grange	$1461	$244

Key Takeaways

Way's key takeaways about car insurance in Booneville

The auto insurance costs in Booneville fall around $534 for six months.
The cheapest auto insurance company in Booneville is Cincinnati.
Teen drivers pay the highest rate in Booneville at $1715 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 Booneville

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 Booneville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Booneville. Their Average 6 Month Premium is $183. Allstate is the most expensive at $1279 for the same period.

Cheapest Liability Coverage in Booneville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$183	$31
Auto-Owners Insurance Co	$248	$42
Kentucky Farm Bureau	$278	$47
Electric	$300	$50
Nationwide	$351	$59
USAA	$365	$62
Farm Bureau	$380	$64
Travelers	$395	$66
Westfield	$410	$68
State Farm	$424	$71
Progressive	$467	$79
Shelter	$497	$84
Auto-Owners	$549	$91
Allstate	$1279	$215

Cheapest Full Coverage Car Insurance in Booneville

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 Booneville is AutoOwners Insurance Co at $91 per month and $534 for six months.

Cheapest Full Coverage Car Insurance Quotes in Booneville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$534	$91
Cincinnati	$584	$97
Kentucky Farm Bureau	$768	$129
Travelers	$1001	$169
Farm Bureau	$1031	$175
Shelter	$1125	$189
Auto-Owners	$1205	$205
Nationwide	$1213	$204
USAA	$1228	$207
State Farm	$1367	$230
Electric	$1417	$241
Progressive	$1578	$266
Allstate	$3098	$522
Grange	$1461	$244

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Average Car Insurance in Booneville 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 Booneville, KY increasing?

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

Car Insurance Premiums by Age in Booneville

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	$1216
30s	Auto-Owners	$923
40s	Auto-Owners	$902
50s	Auto-Owners	$861
60s	USAA	$895
70s	State Farm	$998

Cheapest Car Insurance Rates for Teen Drivers in Booneville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Booneville at $39 per month. At $10184 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$234	$39
Auto-Owners Insurance Co	$351	$59
Kentucky Farm Bureau	$1169	$197
Travelers	$1578	$266
Farm Bureau	$1608	$271
USAA	$1849	$311
Shelter	$2316	$390
State Farm	$2622	$442
Auto-Owners	$3653	$609
Progressive	$4895	$824
Allstate	$10184	$1715

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 Booneville.

As young drivers face the highest rates in Booneville, USAA offers the cheapest auto insurance rates at $1216 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 Booneville, Cincinnati is the cheapest car insurance provider. At $314 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 Booneville is Allstate, offering rates of around $6635 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$314	$53
Nationwide	$467	$80
Travelers	$1315	$221
Progressive	$1506	$253
USAA	$2418	$403
Farm Bureau	$3149	$535
Auto-Owners	$3492	$582
Shelter	$3581	$609
State Farm	$4756	$792
Allstate	$6635	$1128

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

Car Insurance Rates with An Accident in Booneville

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

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

The cheapest car insurance companies after an at-fault accident in Booneville include AutoOwners Insurance Co and Electric, offering $373 and $373, respectively. Allstate is an expensive provider with an average six-month premium of $5370.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$373	$62
Electric	$373	$64
Cincinnati	$395	$65
Kentucky Farm Bureau	$541	$91
Farm Bureau	$768	$129
Travelers	$942	$159
State Farm	$979	$165
Shelter	$1081	$182
USAA	$1125	$189
Auto-Owners	$1658	$282
Progressive	$1856	$312
Allstate	$5370	$904

Booneville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Booneville KY. For example, the car insurance in Booneville after a DUI increases to $1528 for a six month policy. While the rate increases by $388 for a six-month policy in the case of a speeding ticket.

Booneville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1782	$298
One Med/PIP claim	$1797	$305
Two Med/PIP claims	$1871	$311
Not-at-fault accident	$1921	$327
One comp claim	$1951	$325
Failure to wear a seat belt	$1973	$336
Failure to show documents	$2038	$339
Two comp claims	$2038	$347
Driving without lights	$2045	$341
Child safety restraint	$2068	$352
Cell phone violation	$2148	$358
Driving with expired registration	$2155	$367
Texting while driving	$2155	$359
Driving too slowly	$2170	$369
Failure to stop at a red light	$2170	$362
Failure to yield	$2170	$369
Speeding 6 - 10 MPH over limit	$2170	$362
Speeding in school zone	$2170	$369
Following too closely	$2177	$363
Illegal turn	$2177	$370
Speeding 11 - 15 MPH over limit	$2177	$363
Wrong way/wrong lane	$2177	$370
Improper passing	$2184	$364
Speeding 16 - 20 MPH over limit	$2184	$371
Speeding 21 - 25 MPH over limit	$2229	$371
In 65 MPH zone	$2244	$381
Passing school bus	$2279	$380
Open container	$2338	$397
At-fault accident - less than $1000	$2381	$397
Operating a vehicle without permission	$2557	$435
At-fault accident - $1000-$2000	$2587	$431
At-fault accident - greater than $2000	$2587	$440
Reckless driving	$3251	$542
Refusal to submit to a chemical test	$3295	$561
DUI	$3310	$551
Driving with a suspended license	$3317	$565
Racing	$3332	$555
Leaving scene of an accident/hit and run	$3368	$573

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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 Booneville 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 Booneville.

The cheapest car insurance premiums in Booneville are offered by Cincinnati at $490 for a six-month policy. However, it can be as expensive as $2783 with companies like AutoOwners.

Booneville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$490	$81
Kentucky Farm Bureau	$651	$111
Travelers	$877	$148
Progressive	$1066	$180
Shelter	$1074	$181
State Farm	$1103	$186
USAA	$1242	$209
Allstate	$2368	$399
Farm Bureau	$2403	$401
Auto-Owners	$2783	$474

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 Booneville are offered by Cincinnati at $219. However, it can be as expensive as $3646 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Booneville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$219	$37
Kentucky Farm Bureau	$263	$44
Auto-Owners Insurance Co	$300	$50
State Farm	$825	$139
Travelers	$892	$150
Shelter	$957	$161
Farm Bureau	$1031	$175
Progressive	$1198	$202
Auto-Owners	$1228	$209
USAA	$1476	$246
Allstate	$3646	$620

Car Insurance Price Trends in Booneville, Kentucky

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

The average cost of full coverage in the Booneville rose by $273 in December compared to $271 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 Booneville rose to $76 in December, compared to $74 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 Booneville?

The car insurance in Booneville is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Booneville?

The cheapest car insurance in Booneville is $91 per month for full coverage.

How much is car insurance in Booneville for teenagers?

Car insurance for teenagers costs $234 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 Booneville?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $212 per month to insure your car in Booneville.

Is car insurance expensive in Booneville?

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

Cheapest Car Insurance Quotes in Booneville

Why you can trust Way?

How Much Is Car Insurance in Booneville

Avg. Car Insurance in Booneville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Booneville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Booneville Car Insurance Rates by Company

Cheap Car Insurance Companies in Booneville, KY

Way's key takeaways about car insurance in Booneville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Booneville

Cheapest Liability Coverage in Booneville, KY

Cheapest Full Coverage Car Insurance in Booneville

Cheapest Full Coverage Car Insurance Quotes in Booneville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Booneville by Rating Factor

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

Car Insurance Premiums by Age in Booneville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Booneville,KY

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

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 Booneville

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

Booneville Car Insurance Rates by Violation

Booneville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Booneville after a DUI

Booneville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Booneville after Speeding ticket

Car Insurance Price Trends in Booneville, Kentucky

Average Car Insurance Cost in Booneville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Booneville, KY

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

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