Cheapest Car Insurance Quotes in East Bernstadt

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East Bernstadt Car Insurance

^$ 26

/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 East Bernstadt

The car insurance rate in East Bernstadt is $1134 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $451, making it a popular choice for budget-conscious drivers. Rates in East Bernstadt 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 East Bernstadt

$1134

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in East Bernstadt

1st place: AutoOwners Insurance Co

At $451 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 $494 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 $649 for six months, making it the third cheapest auto insurance company in East Bernstadt.

East Bernstadt Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Bernstadt, KY is AutoOwners Insurance Co, offering policies at just $451 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $494.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2644 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Bernstadt drivers find the best deals.

Cheap Car Insurance Companies in East Bernstadt, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$451	$75
Cincinnati	$494	$84
Kentucky Farm Bureau	$649	$109
Travelers	$877	$148
Shelter	$982	$165
USAA	$1013	$171
Auto-Owners	$1198	$200
Electric	$1198	$204
State Farm	$1198	$202
Farm Bureau	$1260	$214
Progressive	$1334	$225
Nationwide	$1439	$242
Allstate	$2644	$441

Key Takeaways

Way's key takeaways about car insurance in East Bernstadt

The auto insurance costs in East Bernstadt fall around $451 for six months.
The cheapest auto insurance company in East Bernstadt is Cincinnati.
Teen drivers pay the highest rate in East Bernstadt at $1329 per month.

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Cheapest Minimum Liability Car Insurance in East Bernstadt

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 East Bernstadt are given below.

Cincinnati provides the cheapest minimum car insurance coverage in East Bernstadt. Their Average 6 Month Premium is $155. Allstate is the most expensive at $988 for the same period.

Cheapest Liability Coverage in East Bernstadt, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$155	$26
Auto-Owners Insurance Co	$210	$35
Kentucky Farm Bureau	$235	$40
Electric	$254	$43
USAA	$309	$52
Travelers	$328	$55
Westfield	$346	$59
Farm Bureau	$364	$61
State Farm	$376	$63
Progressive	$414	$70
Shelter	$426	$72
Auto-Owners	$494	$82
Nationwide	$587	$99
Allstate	$988	$164

Cheapest Full Coverage Car Insurance in East Bernstadt

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 East Bernstadt is AutoOwners Insurance Co at $75 per month and $451 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Bernstadt, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$451	$75
Cincinnati	$494	$84
Kentucky Farm Bureau	$649	$109
Travelers	$877	$148
Shelter	$982	$165
USAA	$1013	$171
Auto-Owners	$1198	$200
Electric	$1198	$204
State Farm	$1198	$202
Farm Bureau	$1260	$214
Progressive	$1334	$225
Nationwide	$1439	$242
Allstate	$2644	$441

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Average Car Insurance in East Bernstadt 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 East Bernstadt, KY increasing?

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

Car Insurance Premiums by Age in East Bernstadt

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	$992
30s	Auto-Owners	$752
40s	Auto-Owners	$735
50s	Auto-Owners	$702
60s	USAA	$730
70s	State Farm	$813

Cheapest Car Insurance Rates for Teen Drivers in East Bernstadt,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the East Bernstadt at $33 per month. At $7976 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$198	$33
Auto-Owners Insurance Co	$296	$50
Kentucky Farm Bureau	$988	$166
Travelers	$1433	$241
USAA	$1681	$283
Farm Bureau	$1903	$320
Shelter	$2051	$345
State Farm	$2322	$391
Auto-Owners	$3249	$552
Progressive	$4071	$685
Nationwide	$7951	$1352
Allstate	$7976	$1329

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 East Bernstadt.

As young drivers face the highest rates in East Bernstadt, USAA offers the cheapest auto insurance rates at $992 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 East Bernstadt, Cincinnati is the cheapest car insurance provider. At $265 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 East Bernstadt is Allstate, offering rates of around $5610 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$265	$45
Travelers	$1204	$203
Progressive	$1242	$209
USAA	$1544	$263
Nationwide	$1952	$329
Shelter	$3305	$562
Auto-Owners	$3379	$564
Farm Bureau	$3855	$655
State Farm	$5115	$853
Allstate	$5610	$954

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Car Insurance Rates with An Accident in East Bernstadt

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Bernstadt

The cheapest car insurance companies after an at-fault accident in East Bernstadt include AutoOwners Insurance Co and Electric, offering $315 and $315, respectively. Allstate is an expensive provider with an average six-month premium of $3935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$315	$52
Electric	$315	$54
Cincinnati	$334	$55
Farm Bureau	$420	$72
Kentucky Farm Bureau	$458	$77
Travelers	$840	$141
State Farm	$859	$145
USAA	$920	$155
Shelter	$945	$159
Progressive	$1606	$270
Auto-Owners	$1668	$278
Nationwide	$3441	$586
Allstate	$3935	$656

East Bernstadt Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Bernstadt KY. For example, the car insurance in East Bernstadt after a DUI increases to $1292 for a six month policy. While the rate increases by $328 for a six-month policy in the case of a speeding ticket.

East Bernstadt auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1507	$252
One Med/PIP claim	$1519	$258
Two Med/PIP claims	$1582	$263
Not-at-fault accident	$1624	$277
One comp claim	$1649	$275
Failure to wear a seat belt	$1668	$284
Failure to show documents	$1723	$287
Two comp claims	$1723	$293
Driving without lights	$1730	$288
Child safety restraint	$1748	$297
Cell phone violation	$1816	$303
Driving with expired registration	$1822	$310
Texting while driving	$1822	$304
Driving too slowly	$1835	$312
Failure to stop at a red light	$1835	$306
Failure to yield	$1835	$312
Speeding 6 - 10 MPH over limit	$1835	$306
Speeding in school zone	$1835	$312
Following too closely	$1841	$307
Illegal turn	$1841	$313
Speeding 11 - 15 MPH over limit	$1841	$307
Wrong way/wrong lane	$1841	$313
Improper passing	$1847	$308
Speeding 16 - 20 MPH over limit	$1847	$314
Speeding 21 - 25 MPH over limit	$1884	$314
In 65 MPH zone	$1897	$322
Passing school bus	$1927	$321
Open container	$1977	$336
At-fault accident - less than $1000	$2013	$336
Operating a vehicle without permission	$2162	$368
At-fault accident - $1000-$2000	$2187	$364
At-fault accident - greater than $2000	$2187	$372
Reckless driving	$2749	$459
Refusal to submit to a chemical test	$2786	$474
DUI	$2799	$466
Driving with a suspended license	$2805	$477
Racing	$2817	$469
Leaving scene of an accident/hit and run	$2848	$485

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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 East Bernstadt 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 East Bernstadt.

The cheapest car insurance premiums in East Bernstadt are offered by Cincinnati at $414 for a six-month policy. However, it can be as expensive as $4479 with companies like Nationwide.

East Bernstadt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$414	$71
Allstate	$538	$89
Kentucky Farm Bureau	$550	$94
Travelers	$797	$134
Progressive	$883	$149
Shelter	$952	$160
State Farm	$1000	$168
USAA	$1162	$196
Auto-Owners	$2749	$467
Farm Bureau	$2984	$497
Nationwide	$4479	$761

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 East Bernstadt are offered by Cincinnati at $185. However, it can be as expensive as $3083 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Bernstadt after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$185	$31
Kentucky Farm Bureau	$223	$37
Auto-Owners Insurance Co	$254	$43
State Farm	$773	$130
Travelers	$828	$139
Shelter	$865	$146
Progressive	$1087	$183
USAA	$1130	$192
Auto-Owners	$1254	$209
Farm Bureau	$1260	$214
Nationwide	$2261	$376
Allstate	$3083	$524

Car Insurance Price Trends in East Bernstadt, Kentucky

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

The average cost of full coverage in the East Bernstadt rose by $235 in January compared to $231 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the East Bernstadt dipped to $63 in January, compared to $64 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 East Bernstadt?

The car insurance in East Bernstadt is $26 per month, which is lower than the national average.

What is the cheapest car insurance in East Bernstadt?

The cheapest car insurance in East Bernstadt is $75 per month for full coverage.

How much is car insurance in East Bernstadt for teenagers?

Car insurance for teenagers costs $198 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 East Bernstadt?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $190 per month to insure your car in East Bernstadt.

Is car insurance expensive in East Bernstadt?

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

Cheapest Car Insurance Quotes in East Bernstadt

Why you can trust Way?

How Much Is Car Insurance in East Bernstadt

Avg. Car Insurance in East Bernstadt

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in East Bernstadt

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

East Bernstadt Car Insurance Rates by Company

Cheap Car Insurance Companies in East Bernstadt, KY

Way's key takeaways about car insurance in East Bernstadt

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Bernstadt

Cheapest Liability Coverage in East Bernstadt, KY

Cheapest Full Coverage Car Insurance in East Bernstadt

Cheapest Full Coverage Car Insurance Quotes in East Bernstadt, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Bernstadt by Rating Factor

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

Car Insurance Premiums by Age in East Bernstadt

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Bernstadt,KY

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

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 East Bernstadt

Cheapest Car Insurance Companies after an At-Fault Accident in East Bernstadt

East Bernstadt Car Insurance Rates by Violation

East Bernstadt auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Bernstadt after a DUI

East Bernstadt car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Bernstadt after Speeding ticket

Car Insurance Price Trends in East Bernstadt, Kentucky

Average Car Insurance Cost in East Bernstadt by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Bernstadt, KY

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

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