Cheapest Car Insurance Quotes in Buckhorn

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Buckhorn Car Insurance

^$ 34

/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 Buckhorn

The car insurance rate in Buckhorn is $1482 for a six-month policy, which is $392 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $590, making it a popular choice for budget-conscious drivers. Rates in Buckhorn 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 Buckhorn

$1482

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Buckhorn

1st place: AutoOwners Insurance Co

At $590 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 $646 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 $849 for six months, making it the third cheapest auto insurance company in Buckhorn.

Buckhorn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buckhorn, KY is AutoOwners Insurance Co, offering policies at just $590 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $646.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3457 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buckhorn drivers find the best deals.

Cheap Car Insurance Companies in Buckhorn, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$590	$98
Cincinnati	$646	$110
Kentucky Farm Bureau	$849	$143
Travelers	$1146	$193
Shelter	$1284	$216
USAA	$1325	$223
Auto-Owners	$1567	$261
Electric	$1567	$267
State Farm	$1567	$264
Farm Bureau	$1648	$280
Progressive	$1745	$294
Nationwide	$1882	$317
Allstate	$3457	$577

Key Takeaways

Way's key takeaways about car insurance in Buckhorn

The auto insurance costs in Buckhorn fall around $590 for six months.
The cheapest auto insurance company in Buckhorn is Cincinnati.
Teen drivers pay the highest rate in Buckhorn at $1738 per month.

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Cheapest Minimum Liability Car Insurance in Buckhorn

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 Buckhorn are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Buckhorn. Their Average 6 Month Premium is $203. Allstate is the most expensive at $1292 for the same period.

Cheapest Liability Coverage in Buckhorn, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$203	$34
Auto-Owners Insurance Co	$275	$46
Kentucky Farm Bureau	$307	$52
Electric	$332	$56
USAA	$404	$68
Travelers	$428	$72
Westfield	$453	$78
Farm Bureau	$476	$80
State Farm	$492	$83
Progressive	$541	$91
Shelter	$558	$94
Auto-Owners	$646	$107
Nationwide	$767	$129
Allstate	$1292	$215

Cheapest Full Coverage Car Insurance in Buckhorn

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 Buckhorn is AutoOwners Insurance Co at $98 per month and $590 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buckhorn, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$590	$98
Cincinnati	$646	$110
Kentucky Farm Bureau	$849	$143
Travelers	$1146	$193
Shelter	$1284	$216
USAA	$1325	$223
Auto-Owners	$1567	$261
Electric	$1567	$267
State Farm	$1567	$264
Farm Bureau	$1648	$280
Progressive	$1745	$294
Nationwide	$1882	$317
Allstate	$3457	$577

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Average Car Insurance in Buckhorn 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 Buckhorn, KY increasing?

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

Car Insurance Premiums by Age in Buckhorn

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	$1297
30s	Auto-Owners	$983
40s	Auto-Owners	$962
50s	Auto-Owners	$918
60s	USAA	$955
70s	State Farm	$1064

Cheapest Car Insurance Rates for Teen Drivers in Buckhorn,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Buckhorn at $44 per month. At $10430 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$258	$44
Auto-Owners Insurance Co	$388	$65
Kentucky Farm Bureau	$1292	$218
Travelers	$1874	$316
USAA	$2198	$370
Farm Bureau	$2489	$419
Shelter	$2682	$452
State Farm	$3037	$511
Auto-Owners	$4249	$722
Progressive	$5323	$896
Nationwide	$10397	$1768
Allstate	$10430	$1738

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 Buckhorn.

As young drivers face the highest rates in Buckhorn, USAA offers the cheapest auto insurance rates at $1297 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 Buckhorn, Cincinnati is the cheapest car insurance provider. At $347 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 Buckhorn is Allstate, offering rates of around $7336 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$347	$58
Travelers	$1575	$265
Progressive	$1624	$273
USAA	$2020	$344
Nationwide	$2553	$430
Shelter	$4322	$734
Auto-Owners	$4419	$737
Farm Bureau	$5042	$857
State Farm	$6688	$1115
Allstate	$7336	$1247

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Car Insurance Rates with An Accident in Buckhorn

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

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

The cheapest car insurance companies after an at-fault accident in Buckhorn include AutoOwners Insurance Co and Electric, offering $412 and $412, respectively. Allstate is an expensive provider with an average six-month premium of $5146.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Electric	$412	$71
Cincinnati	$437	$72
Farm Bureau	$549	$94
Kentucky Farm Bureau	$598	$101
Travelers	$1099	$185
State Farm	$1123	$189
USAA	$1204	$203
Shelter	$1236	$208
Progressive	$2100	$354
Auto-Owners	$2181	$363
Nationwide	$4500	$766
Allstate	$5146	$858

Buckhorn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buckhorn KY. For example, the car insurance in Buckhorn after a DUI increases to $1689 for a six month policy. While the rate increases by $428 for a six-month policy in the case of a speeding ticket.

Buckhorn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1971	$329
One Med/PIP claim	$1987	$337
Two Med/PIP claims	$2069	$344
Not-at-fault accident	$2124	$362
One comp claim	$2157	$359
Failure to wear a seat belt	$2181	$371
Failure to show documents	$2254	$375
Two comp claims	$2254	$384
Driving without lights	$2262	$377
Child safety restraint	$2286	$389
Cell phone violation	$2375	$396
Driving with expired registration	$2383	$405
Texting while driving	$2383	$397
Driving too slowly	$2399	$408
Failure to stop at a red light	$2399	$400
Failure to yield	$2399	$408
Speeding 6 - 10 MPH over limit	$2399	$400
Speeding in school zone	$2399	$408
Following too closely	$2407	$401
Illegal turn	$2407	$409
Speeding 11 - 15 MPH over limit	$2407	$401
Wrong way/wrong lane	$2407	$409
Improper passing	$2415	$403
Speeding 16 - 20 MPH over limit	$2415	$411
Speeding 21 - 25 MPH over limit	$2464	$411
In 65 MPH zone	$2481	$422
Passing school bus	$2520	$420
Open container	$2585	$439
At-fault accident - less than $1000	$2633	$439
Operating a vehicle without permission	$2827	$481
At-fault accident - $1000-$2000	$2860	$476
At-fault accident - greater than $2000	$2860	$487
Reckless driving	$3594	$600
Refusal to submit to a chemical test	$3643	$620
DUI	$3660	$609
Driving with a suspended license	$3668	$624
Racing	$3684	$613
Leaving scene of an accident/hit and run	$3724	$634

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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 Buckhorn 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 Buckhorn.

The cheapest car insurance premiums in Buckhorn are offered by Cincinnati at $541 for a six-month policy. However, it can be as expensive as $5858 with companies like Nationwide.

Buckhorn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$541	$92
Allstate	$703	$117
Kentucky Farm Bureau	$719	$122
Travelers	$1042	$175
Progressive	$1155	$194
Shelter	$1244	$209
State Farm	$1308	$220
USAA	$1519	$256
Auto-Owners	$3594	$611
Farm Bureau	$3902	$650
Nationwide	$5858	$996

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 Buckhorn are offered by Cincinnati at $242. However, it can be as expensive as $4031 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Buckhorn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$242	$41
Kentucky Farm Bureau	$291	$49
Auto-Owners Insurance Co	$332	$56
State Farm	$1010	$170
Travelers	$1083	$182
Shelter	$1132	$190
Progressive	$1421	$239
USAA	$1478	$252
Auto-Owners	$1640	$273
Farm Bureau	$1648	$280
Nationwide	$2957	$492
Allstate	$4031	$685

Car Insurance Price Trends in Buckhorn, Kentucky

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

The average cost of full coverage in the Buckhorn rose by $307 in January compared to $302 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 Buckhorn dipped to $83 in January, compared to $84 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 Buckhorn?

The car insurance in Buckhorn is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Buckhorn?

The cheapest car insurance in Buckhorn is $98 per month for full coverage.

How much is car insurance in Buckhorn for teenagers?

Car insurance for teenagers costs $258 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 Buckhorn?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $249 per month to insure your car in Buckhorn.

Is car insurance expensive in Buckhorn?

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

Cheapest Car Insurance Quotes in Buckhorn

Why you can trust Way?

How Much Is Car Insurance in Buckhorn

Avg. Car Insurance in Buckhorn

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Buckhorn

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Buckhorn Car Insurance Rates by Company

Cheap Car Insurance Companies in Buckhorn, KY

Way's key takeaways about car insurance in Buckhorn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buckhorn

Cheapest Liability Coverage in Buckhorn, KY

Cheapest Full Coverage Car Insurance in Buckhorn

Cheapest Full Coverage Car Insurance Quotes in Buckhorn, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buckhorn by Rating Factor

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

Car Insurance Premiums by Age in Buckhorn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buckhorn,KY

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

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 Buckhorn

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

Buckhorn Car Insurance Rates by Violation

Buckhorn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buckhorn after a DUI

Buckhorn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buckhorn after Speeding ticket

Car Insurance Price Trends in Buckhorn, Kentucky

Average Car Insurance Cost in Buckhorn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buckhorn, KY

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

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