Cheapest Car Insurance Quotes in Coldiron

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Coldiron Car Insurance

^$ 30

/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 Coldiron

The car insurance rate in Coldiron is $1216 for a six-month policy, which is $194 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Coldiron 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 Coldiron

$1216

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Coldiron

1st place: AutoOwners Insurance Co

At $516 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 $565 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 $743 for six months, making it the third cheapest auto insurance company in Coldiron.

Coldiron Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coldiron, KY is AutoOwners Insurance Co, offering policies at just $516 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $565.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coldiron drivers find the best deals.

Cheap Car Insurance Companies in Coldiron, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$516	$88
Cincinnati	$565	$94
Kentucky Farm Bureau	$743	$125
Travelers	$969	$163
Farm Bureau	$997	$169
Shelter	$1089	$183
Auto-Owners	$1166	$199
Nationwide	$1173	$198
USAA	$1188	$200
State Farm	$1322	$223
Electric	$1371	$233
Progressive	$1527	$257
Allstate	$2998	$505
Grange	$1414	$236

Key Takeaways

Way's key takeaways about car insurance in Coldiron

The auto insurance costs in Coldiron fall around $516 for six months.
The cheapest auto insurance company in Coldiron is Cincinnati.
Teen drivers pay the highest rate in Coldiron at $1659 per month.

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Cheapest Minimum Liability Car Insurance in Coldiron

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 Coldiron are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Coldiron. Their Average 6 Month Premium is $177. Allstate is the most expensive at $1238 for the same period.

Cheapest Liability Coverage in Coldiron, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$177	$30
Auto-Owners Insurance Co	$240	$40
Kentucky Farm Bureau	$269	$45
Electric	$290	$49
Nationwide	$339	$57
USAA	$353	$60
Farm Bureau	$368	$62
Travelers	$382	$64
Westfield	$396	$65
State Farm	$411	$69
Progressive	$452	$76
Shelter	$481	$81
Auto-Owners	$531	$88
Allstate	$1238	$208

Cheapest Full Coverage Car Insurance in Coldiron

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 Coldiron is AutoOwners Insurance Co at $88 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coldiron, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$516	$88
Cincinnati	$565	$94
Kentucky Farm Bureau	$743	$125
Travelers	$969	$163
Farm Bureau	$997	$169
Shelter	$1089	$183
Auto-Owners	$1166	$199
Nationwide	$1173	$198
USAA	$1188	$200
State Farm	$1322	$223
Electric	$1371	$233
Progressive	$1527	$257
Allstate	$2998	$505
Grange	$1414	$236

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Average Car Insurance in Coldiron 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 Coldiron, KY increasing?

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

Car Insurance Premiums by Age in Coldiron

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	$1177
30s	Auto-Owners	$893
40s	Auto-Owners	$872
50s	Auto-Owners	$833
60s	USAA	$866
70s	State Farm	$965

Cheapest Car Insurance Rates for Teen Drivers in Coldiron,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Coldiron at $38 per month. At $9853 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$226	$38
Auto-Owners Insurance Co	$339	$57
Kentucky Farm Bureau	$1131	$190
Travelers	$1527	$257
Farm Bureau	$1555	$262
USAA	$1789	$301
Shelter	$2241	$377
State Farm	$2537	$427
Auto-Owners	$3534	$589
Progressive	$4736	$797
Allstate	$9853	$1659

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 Coldiron.

As young drivers face the highest rates in Coldiron, USAA offers the cheapest auto insurance rates at $1177 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 Coldiron, Cincinnati is the cheapest car insurance provider. At $303 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 Coldiron is Allstate, offering rates of around $6419 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$303	$51
Nationwide	$452	$77
Travelers	$1272	$214
Progressive	$1457	$245
USAA	$2340	$390
Farm Bureau	$3046	$518
Auto-Owners	$3378	$563
Shelter	$3464	$589
State Farm	$4602	$766
Allstate	$6419	$1091

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Car Insurance Rates with An Accident in Coldiron

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

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

The cheapest car insurance companies after an at-fault accident in Coldiron include AutoOwners Insurance Co and Electric, offering $361 and $361, respectively. Allstate is an expensive provider with an average six-month premium of $5196.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$361	$60
Electric	$361	$62
Cincinnati	$382	$63
Kentucky Farm Bureau	$524	$88
Farm Bureau	$743	$125
Travelers	$912	$154
State Farm	$947	$159
Shelter	$1046	$176
USAA	$1089	$183
Auto-Owners	$1604	$273
Progressive	$1796	$302
Allstate	$5196	$875

Coldiron Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coldiron KY. For example, the car insurance in Coldiron after a DUI increases to $1478 for a six month policy. While the rate increases by $375 for a six-month policy in the case of a speeding ticket.

Coldiron auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1724	$288
One Med/PIP claim	$1739	$295
Two Med/PIP claims	$1810	$301
Not-at-fault accident	$1859	$317
One comp claim	$1887	$314
Failure to wear a seat belt	$1909	$325
Failure to show documents	$1972	$328
Two comp claims	$1972	$336
Driving without lights	$1979	$330
Child safety restraint	$2000	$340
Cell phone violation	$2078	$346
Driving with expired registration	$2085	$355
Texting while driving	$2085	$347
Driving too slowly	$2099	$357
Failure to stop at a red light	$2099	$350
Failure to yield	$2099	$357
Speeding 6 - 10 MPH over limit	$2099	$350
Speeding in school zone	$2099	$357
Following too closely	$2106	$351
Illegal turn	$2106	$358
Speeding 11 - 15 MPH over limit	$2106	$351
Wrong way/wrong lane	$2106	$358
Improper passing	$2113	$352
Speeding 16 - 20 MPH over limit	$2113	$359
Speeding 21 - 25 MPH over limit	$2156	$359
In 65 MPH zone	$2171	$369
Passing school bus	$2205	$368
Open container	$2262	$384
At-fault accident - less than $1000	$2304	$384
Operating a vehicle without permission	$2474	$421
At-fault accident - $1000-$2000	$2503	$417
At-fault accident - greater than $2000	$2503	$426
Reckless driving	$3145	$525
Refusal to submit to a chemical test	$3188	$543
DUI	$3202	$533
Driving with a suspended license	$3209	$546
Racing	$3224	$537
Leaving scene of an accident/hit and run	$3258	$555

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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 Coldiron 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 Coldiron.

The cheapest car insurance premiums in Coldiron are offered by Cincinnati at $474 for a six-month policy. However, it can be as expensive as $2693 with companies like AutoOwners.

Coldiron car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$474	$79
Kentucky Farm Bureau	$630	$107
Travelers	$848	$143
Progressive	$1032	$174
Shelter	$1039	$175
State Farm	$1067	$180
USAA	$1202	$202
Allstate	$2291	$386
Farm Bureau	$2325	$388
Auto-Owners	$2693	$458

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 Coldiron are offered by Cincinnati at $212. However, it can be as expensive as $3527 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Coldiron after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$212	$36
Kentucky Farm Bureau	$255	$43
Auto-Owners Insurance Co	$290	$49
State Farm	$798	$134
Travelers	$863	$145
Shelter	$926	$156
Farm Bureau	$997	$169
Progressive	$1159	$195
Auto-Owners	$1188	$202
USAA	$1428	$238
Allstate	$3527	$600

Car Insurance Price Trends in Coldiron, Kentucky

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

The average cost of full coverage in the Coldiron rose by $264 in December compared to $262 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 Coldiron rose to $74 in December, compared to $71 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Coldiron?

The car insurance in Coldiron is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Coldiron?

The cheapest car insurance in Coldiron is $88 per month for full coverage.

How much is car insurance in Coldiron for teenagers?

Car insurance for teenagers costs $226 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 Coldiron?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $205 per month to insure your car in Coldiron.

Is car insurance expensive in Coldiron?

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

Cheapest Car Insurance Quotes in Coldiron

Why you can trust Way?

How Much Is Car Insurance in Coldiron

Avg. Car Insurance in Coldiron

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Coldiron

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Coldiron Car Insurance Rates by Company

Cheap Car Insurance Companies in Coldiron, KY

Way's key takeaways about car insurance in Coldiron

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Coldiron

Cheapest Liability Coverage in Coldiron, KY

Cheapest Full Coverage Car Insurance in Coldiron

Cheapest Full Coverage Car Insurance Quotes in Coldiron, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Coldiron by Rating Factor

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

Car Insurance Premiums by Age in Coldiron

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Coldiron,KY

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

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 Coldiron

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

Coldiron Car Insurance Rates by Violation

Coldiron auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Coldiron after a DUI

Coldiron car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Coldiron after Speeding ticket

Car Insurance Price Trends in Coldiron, Kentucky

Average Car Insurance Cost in Coldiron by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Coldiron, KY

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

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