Cheapest Car Insurance Quotes in Douglass Hills

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Douglass Hills Car Insurance

^$ 22

/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 Douglass Hills

The car insurance rate in Douglass Hills is $899 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $382, making it a popular choice for budget-conscious drivers. Rates in Douglass Hills 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 Douglass Hills

$899

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Douglass Hills

1st place: AutoOwners Insurance Co

At $382 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 $418 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 $549 for six months, making it the third cheapest auto insurance company in Douglass Hills.

Douglass Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Douglass Hills, KY is AutoOwners Insurance Co, offering policies at just $382 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $418.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1045 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Douglass Hills drivers find the best deals.

Cheap Car Insurance Companies in Douglass Hills, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$382	$65
Cincinnati	$418	$70
Kentucky Farm Bureau	$549	$92
Travelers	$716	$121
Farm Bureau	$737	$125
Shelter	$805	$136
Auto-Owners	$862	$147
Nationwide	$868	$146
USAA	$878	$148
State Farm	$978	$165
Electric	$1014	$172
Progressive	$1129	$190
Allstate	$2217	$373
Grange	$1045	$174

Key Takeaways

Way's key takeaways about car insurance in Douglass Hills

The auto insurance costs in Douglass Hills fall around $382 for six months.
The cheapest auto insurance company in Douglass Hills is Cincinnati.
Teen drivers pay the highest rate in Douglass Hills at $1227 per month.

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Cheapest Minimum Liability Car Insurance in Douglass Hills

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 Douglass Hills are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Douglass Hills. Their Average 6 Month Premium is $131. Allstate is the most expensive at $915 for the same period.

Cheapest Liability Coverage in Douglass Hills, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$131	$22
Auto-Owners Insurance Co	$178	$30
Kentucky Farm Bureau	$199	$33
Electric	$215	$36
Nationwide	$251	$42
USAA	$261	$44
Farm Bureau	$272	$46
Travelers	$282	$48
Westfield	$293	$48
State Farm	$304	$51
Progressive	$334	$56
Shelter	$356	$60
Auto-Owners	$392	$65
Allstate	$915	$154

Cheapest Full Coverage Car Insurance in Douglass Hills

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 Douglass Hills is AutoOwners Insurance Co at $65 per month and $382 for six months.

Cheapest Full Coverage Car Insurance Quotes in Douglass Hills, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$382	$65
Cincinnati	$418	$70
Kentucky Farm Bureau	$549	$92
Travelers	$716	$121
Farm Bureau	$737	$125
Shelter	$805	$136
Auto-Owners	$862	$147
Nationwide	$868	$146
USAA	$878	$148
State Farm	$978	$165
Electric	$1014	$172
Progressive	$1129	$190
Allstate	$2217	$373
Grange	$1045	$174

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Average Car Insurance in Douglass Hills 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 Douglass Hills, KY increasing?

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

Car Insurance Premiums by Age in Douglass Hills

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	$870
30s	Auto-Owners	$660
40s	Auto-Owners	$645
50s	Auto-Owners	$616
60s	USAA	$641
70s	State Farm	$714

Cheapest Car Insurance Rates for Teen Drivers in Douglass Hills,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Douglass Hills at $28 per month. At $7286 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$167	$28
Auto-Owners Insurance Co	$251	$42
Kentucky Farm Bureau	$836	$141
Travelers	$1129	$190
Farm Bureau	$1150	$194
USAA	$1323	$223
Shelter	$1657	$279
State Farm	$1876	$316
Auto-Owners	$2614	$436
Progressive	$3502	$590
Allstate	$7286	$1227

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 Douglass Hills.

As young drivers face the highest rates in Douglass Hills, USAA offers the cheapest auto insurance rates at $870 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 Douglass Hills, Cincinnati is the cheapest car insurance provider. At $224 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 Douglass Hills is Allstate, offering rates of around $4747 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$224	$38
Nationwide	$334	$57
Travelers	$941	$158
Progressive	$1077	$181
USAA	$1730	$289
Farm Bureau	$2253	$383
Auto-Owners	$2498	$416
Shelter	$2562	$436
State Farm	$3403	$567
Allstate	$4747	$807

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Car Insurance Rates with An Accident in Douglass Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Douglass Hills

The cheapest car insurance companies after an at-fault accident in Douglass Hills include AutoOwners Insurance Co and Electric, offering $267 and $267, respectively. Allstate is an expensive provider with an average six-month premium of $3842.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$44
Electric	$267	$46
Cincinnati	$282	$47
Kentucky Farm Bureau	$387	$65
Farm Bureau	$549	$92
Travelers	$674	$114
State Farm	$700	$118
Shelter	$774	$130
USAA	$805	$136
Auto-Owners	$1186	$202
Progressive	$1328	$224
Allstate	$3842	$647

Douglass Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Douglass Hills KY. For example, the car insurance in Douglass Hills after a DUI increases to $1093 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Douglass Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1275	$213
One Med/PIP claim	$1286	$218
Two Med/PIP claims	$1338	$223
Not-at-fault accident	$1375	$234
One comp claim	$1396	$232
Failure to wear a seat belt	$1412	$240
Failure to show documents	$1458	$243
Two comp claims	$1458	$248
Driving without lights	$1463	$244
Child safety restraint	$1479	$252
Cell phone violation	$1536	$256
Driving with expired registration	$1542	$262
Texting while driving	$1542	$257
Driving too slowly	$1552	$264
Failure to stop at a red light	$1552	$259
Failure to yield	$1552	$264
Speeding 6 - 10 MPH over limit	$1552	$259
Speeding in school zone	$1552	$264
Following too closely	$1558	$260
Illegal turn	$1558	$265
Speeding 11 - 15 MPH over limit	$1558	$260
Wrong way/wrong lane	$1558	$265
Improper passing	$1563	$260
Speeding 16 - 20 MPH over limit	$1563	$266
Speeding 21 - 25 MPH over limit	$1595	$266
In 65 MPH zone	$1605	$273
Passing school bus	$1631	$272
Open container	$1673	$284
At-fault accident - less than $1000	$1704	$284
Operating a vehicle without permission	$1830	$312
At-fault accident - $1000-$2000	$1851	$308
At-fault accident - greater than $2000	$1851	$315
Reckless driving	$2326	$388
Refusal to submit to a chemical test	$2358	$401
DUI	$2368	$394
Driving with a suspended license	$2373	$404
Racing	$2384	$397
Leaving scene of an accident/hit and run	$2409	$410

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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 Douglass Hills 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 Douglass Hills.

The cheapest car insurance premiums in Douglass Hills are offered by Cincinnati at $350 for a six-month policy. However, it can be as expensive as $1991 with companies like AutoOwners.

Douglass Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$350	$58
Kentucky Farm Bureau	$466	$79
Travelers	$627	$106
Progressive	$763	$128
Shelter	$768	$129
State Farm	$789	$133
USAA	$889	$150
Allstate	$1694	$285
Farm Bureau	$1720	$287
Auto-Owners	$1991	$339

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 Douglass Hills are offered by Cincinnati at $157. However, it can be as expensive as $2608 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Douglass Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$157	$26
Kentucky Farm Bureau	$188	$32
Auto-Owners Insurance Co	$215	$36
State Farm	$590	$99
Travelers	$638	$107
Shelter	$685	$115
Farm Bureau	$737	$125
Progressive	$857	$144
Auto-Owners	$878	$150
USAA	$1056	$176
Allstate	$2608	$444

Car Insurance Price Trends in Douglass Hills, Kentucky

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

The average cost of full coverage in the Douglass Hills rose by $195 in December compared to $194 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Douglass Hills rose to $55 in December, compared to $53 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 Douglass Hills?

The car insurance in Douglass Hills is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Douglass Hills?

The cheapest car insurance in Douglass Hills is $65 per month for full coverage.

How much is car insurance in Douglass Hills for teenagers?

Car insurance for teenagers costs $167 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 Douglass Hills?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $151 per month to insure your car in Douglass Hills.

Is car insurance expensive in Douglass Hills?

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

Cheapest Car Insurance Quotes in Douglass Hills

Why you can trust Way?

How Much Is Car Insurance in Douglass Hills

Avg. Car Insurance in Douglass Hills

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Douglass Hills

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Douglass Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Douglass Hills, KY

Way's key takeaways about car insurance in Douglass Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Douglass Hills

Cheapest Liability Coverage in Douglass Hills, KY

Cheapest Full Coverage Car Insurance in Douglass Hills

Cheapest Full Coverage Car Insurance Quotes in Douglass Hills, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Douglass Hills by Rating Factor

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

Car Insurance Premiums by Age in Douglass Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Douglass Hills,KY

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

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 Douglass Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Douglass Hills

Douglass Hills Car Insurance Rates by Violation

Douglass Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Douglass Hills after a DUI

Douglass Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Douglass Hills after Speeding ticket

Car Insurance Price Trends in Douglass Hills, Kentucky

Average Car Insurance Cost in Douglass Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Douglass Hills, KY

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

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