Cheapest Car Insurance Quotes in Breckinridge Center

Finding the cheapest car insurance quotes in Breckinridge Center 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

406,175 Policies Sold

Breckinridge Center Car Insurance

^$ 21

/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 Breckinridge Center

The car insurance rate in Breckinridge Center is $927 for a six-month policy, which is $163 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, making it a popular choice for budget-conscious drivers. Rates in Breckinridge Center 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 Breckinridge Center

$927

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Breckinridge Center

1st place: AutoOwners Insurance Co

At $369 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 $404 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 $530 for six months, making it the third cheapest auto insurance company in Breckinridge Center.

Breckinridge Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Breckinridge Center, KY is AutoOwners Insurance Co, offering policies at just $369 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $404.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2161 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Breckinridge Center drivers find the best deals.

Cheap Car Insurance Companies in Breckinridge Center, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$369	$61
Cincinnati	$404	$69
Kentucky Farm Bureau	$530	$89
Travelers	$717	$121
Shelter	$802	$135
USAA	$828	$139
Auto-Owners	$979	$163
Electric	$979	$167
State Farm	$979	$165
Farm Bureau	$1030	$175
Progressive	$1091	$184
Nationwide	$1176	$198
Allstate	$2161	$360

Key Takeaways

Way's key takeaways about car insurance in Breckinridge Center

The auto insurance costs in Breckinridge Center fall around $369 for six months.
The cheapest auto insurance company in Breckinridge Center is Cincinnati.
Teen drivers pay the highest rate in Breckinridge Center at $1086 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 Breckinridge Center

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 Breckinridge Center are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Breckinridge Center. Their Average 6 Month Premium is $127. Allstate is the most expensive at $808 for the same period.

Cheapest Liability Coverage in Breckinridge Center, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$127	$21
Auto-Owners Insurance Co	$172	$29
Kentucky Farm Bureau	$192	$32
Electric	$207	$35
USAA	$252	$43
Travelers	$268	$45
Westfield	$283	$48
Farm Bureau	$298	$50
State Farm	$308	$52
Progressive	$338	$57
Shelter	$349	$59
Auto-Owners	$404	$67
Nationwide	$479	$81
Allstate	$808	$134

Cheapest Full Coverage Car Insurance in Breckinridge Center

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 Breckinridge Center is AutoOwners Insurance Co at $61 per month and $369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Breckinridge Center, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$369	$61
Cincinnati	$404	$69
Kentucky Farm Bureau	$530	$89
Travelers	$717	$121
Shelter	$802	$135
USAA	$828	$139
Auto-Owners	$979	$163
Electric	$979	$167
State Farm	$979	$165
Farm Bureau	$1030	$175
Progressive	$1091	$184
Nationwide	$1176	$198
Allstate	$2161	$360

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Breckinridge Center Instantly!

Average Car Insurance in Breckinridge Center 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 Breckinridge Center, KY increasing?

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

Car Insurance Premiums by Age in Breckinridge Center

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	$811
30s	Auto-Owners	$615
40s	Auto-Owners	$601
50s	Auto-Owners	$574
60s	USAA	$597
70s	State Farm	$665

Cheapest Car Insurance Rates for Teen Drivers in Breckinridge Center,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Breckinridge Center at $27 per month. At $6519 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Auto-Owners Insurance Co	$242	$41
Kentucky Farm Bureau	$808	$136
Travelers	$1171	$197
USAA	$1374	$231
Farm Bureau	$1556	$262
Shelter	$1676	$282
State Farm	$1898	$320
Auto-Owners	$2655	$451
Progressive	$3327	$560
Nationwide	$6498	$1105
Allstate	$6519	$1086

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 Breckinridge Center.

As young drivers face the highest rates in Breckinridge Center, USAA offers the cheapest auto insurance rates at $811 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 Breckinridge Center, Cincinnati is the cheapest car insurance provider. At $217 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 Breckinridge Center is Allstate, offering rates of around $4585 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$217	$37
Travelers	$984	$166
Progressive	$1015	$171
USAA	$1262	$215
Nationwide	$1595	$269
Shelter	$2701	$459
Auto-Owners	$2762	$461
Farm Bureau	$3151	$536
State Farm	$4180	$697
Allstate	$4585	$779

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Breckinridge Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Breckinridge Center

The cheapest car insurance companies after an at-fault accident in Breckinridge Center include AutoOwners Insurance Co and Electric, offering $258 and $258, respectively. Allstate is an expensive provider with an average six-month premium of $3216.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Electric	$258	$44
Cincinnati	$273	$45
Farm Bureau	$343	$59
Kentucky Farm Bureau	$374	$63
Travelers	$687	$116
State Farm	$702	$118
USAA	$752	$127
Shelter	$773	$130
Progressive	$1312	$221
Auto-Owners	$1363	$227
Nationwide	$2813	$479
Allstate	$3216	$536

Breckinridge Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Breckinridge Center KY. For example, the car insurance in Breckinridge Center after a DUI increases to $1055 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Breckinridge Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1232	$206
One Med/PIP claim	$1242	$211
Two Med/PIP claims	$1293	$215
Not-at-fault accident	$1328	$226
One comp claim	$1348	$224
Failure to wear a seat belt	$1363	$232
Failure to show documents	$1408	$235
Two comp claims	$1408	$240
Driving without lights	$1414	$235
Child safety restraint	$1429	$243
Cell phone violation	$1484	$247
Driving with expired registration	$1489	$253
Texting while driving	$1489	$248
Driving too slowly	$1499	$255
Failure to stop at a red light	$1499	$250
Failure to yield	$1499	$255
Speeding 6 - 10 MPH over limit	$1499	$250
Speeding in school zone	$1499	$255
Following too closely	$1505	$251
Illegal turn	$1505	$256
Speeding 11 - 15 MPH over limit	$1505	$251
Wrong way/wrong lane	$1505	$256
Improper passing	$1510	$252
Speeding 16 - 20 MPH over limit	$1510	$257
Speeding 21 - 25 MPH over limit	$1540	$257
In 65 MPH zone	$1550	$264
Passing school bus	$1575	$263
Open container	$1616	$275
At-fault accident - less than $1000	$1646	$275
Operating a vehicle without permission	$1767	$301
At-fault accident - $1000-$2000	$1788	$298
At-fault accident - greater than $2000	$1788	$304
Reckless driving	$2247	$375
Refusal to submit to a chemical test	$2277	$388
DUI	$2287	$381
Driving with a suspended license	$2292	$390
Racing	$2303	$383
Leaving scene of an accident/hit and run	$2327	$396

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 Breckinridge Center 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 Breckinridge Center.

The cheapest car insurance premiums in Breckinridge Center are offered by Cincinnati at $338 for a six-month policy. However, it can be as expensive as $3661 with companies like Nationwide.

Breckinridge Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$338	$58
Allstate	$439	$73
Kentucky Farm Bureau	$450	$77
Travelers	$651	$110
Progressive	$722	$122
Shelter	$778	$131
State Farm	$818	$138
USAA	$949	$160
Auto-Owners	$2247	$382
Farm Bureau	$2439	$406
Nationwide	$3661	$622

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 Breckinridge Center are offered by Cincinnati at $151. However, it can be as expensive as $2519 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Breckinridge Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$151	$26
Kentucky Farm Bureau	$182	$31
Auto-Owners Insurance Co	$207	$35
State Farm	$632	$106
Travelers	$677	$114
Shelter	$707	$119
Progressive	$888	$150
USAA	$924	$157
Auto-Owners	$1025	$171
Farm Bureau	$1030	$175
Nationwide	$1848	$308
Allstate	$2519	$428

Car Insurance Price Trends in Breckinridge Center, Kentucky

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

The average cost of full coverage in the Breckinridge Center rose by $192 in January compared to $189 of December. In other words, there has been an increase by $3 when you compare January and December.

The average cost of liability insurance in the Breckinridge Center dipped to $52 in January, compared to $53 in December. This represents an decrease of $1 when comparing January and December.

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 Breckinridge Center?

The car insurance in Breckinridge Center is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Breckinridge Center?

The cheapest car insurance in Breckinridge Center is $61 per month for full coverage.

How much is car insurance in Breckinridge Center for teenagers?

Car insurance for teenagers costs $162 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 Breckinridge Center?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $156 per month to insure your car in Breckinridge Center.

Is car insurance expensive in Breckinridge Center?

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

Cheapest Car Insurance Quotes in Breckinridge Center

Why you can trust Way?

How Much Is Car Insurance in Breckinridge Center

Avg. Car Insurance in Breckinridge Center

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Breckinridge Center

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Breckinridge Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Breckinridge Center, KY

Way's key takeaways about car insurance in Breckinridge Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Breckinridge Center

Cheapest Liability Coverage in Breckinridge Center, KY

Cheapest Full Coverage Car Insurance in Breckinridge Center

Cheapest Full Coverage Car Insurance Quotes in Breckinridge Center, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Breckinridge Center by Rating Factor

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

Car Insurance Premiums by Age in Breckinridge Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Breckinridge Center,KY

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

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 Breckinridge Center

Cheapest Car Insurance Companies after an At-Fault Accident in Breckinridge Center

Breckinridge Center Car Insurance Rates by Violation

Breckinridge Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Breckinridge Center after a DUI

Breckinridge Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Breckinridge Center after Speeding ticket

Car Insurance Price Trends in Breckinridge Center, Kentucky

Average Car Insurance Cost in Breckinridge Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Breckinridge Center, KY

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

Featured Blogs

Data Sources