Cheapest Car Insurance Quotes in East Bernstadt

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East Bernstadt Car Insurance

^$ 25

/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 $1022 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, 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

$1022

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in East Bernstadt

1st place: AutoOwners Insurance Co

At $434 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 $475 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 $624 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 $434 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $475.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1188 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	$434	$74
Cincinnati	$475	$79
Kentucky Farm Bureau	$624	$105
Travelers	$814	$137
Farm Bureau	$838	$142
Shelter	$915	$154
Auto-Owners	$980	$167
Nationwide	$986	$166
USAA	$998	$168
State Farm	$1111	$187
Electric	$1152	$196
Progressive	$1283	$216
Allstate	$2519	$424
Grange	$1188	$198

Key Takeaways

Way's key takeaways about car insurance in East Bernstadt

The auto insurance costs in East Bernstadt fall around $434 for six months.
The cheapest auto insurance company in East Bernstadt is Cincinnati.
Teen drivers pay the highest rate in East Bernstadt at $1394 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 $149. Allstate is the most expensive at $1040 for the same period.

Cheapest Liability Coverage in East Bernstadt, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$149	$25
Auto-Owners Insurance Co	$202	$34
Kentucky Farm Bureau	$226	$38
Electric	$244	$41
Nationwide	$285	$48
USAA	$297	$50
Farm Bureau	$309	$52
Travelers	$321	$54
Westfield	$333	$55
State Farm	$345	$58
Progressive	$380	$64
Shelter	$404	$68
Auto-Owners	$446	$74
Allstate	$1040	$175

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 $74 per month and $434 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	$434	$74
Cincinnati	$475	$79
Kentucky Farm Bureau	$624	$105
Travelers	$814	$137
Farm Bureau	$838	$142
Shelter	$915	$154
Auto-Owners	$980	$167
Nationwide	$986	$166
USAA	$998	$168
State Farm	$1111	$187
Electric	$1152	$196
Progressive	$1283	$216
Allstate	$2519	$424
Grange	$1188	$198

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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	$989
30s	Auto-Owners	$750
40s	Auto-Owners	$733
50s	Auto-Owners	$700
60s	USAA	$728
70s	State Farm	$811

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 $32 per month. At $8280 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$190	$32
Auto-Owners Insurance Co	$285	$48
Kentucky Farm Bureau	$950	$160
Travelers	$1283	$216
Farm Bureau	$1307	$220
USAA	$1503	$253
Shelter	$1883	$317
State Farm	$2132	$359
Auto-Owners	$2970	$495
Progressive	$3980	$670
Allstate	$8280	$1394

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 $989 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 $255 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 $5394 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$255	$43
Nationwide	$380	$65
Travelers	$1069	$180
Progressive	$1224	$206
USAA	$1966	$328
Farm Bureau	$2560	$435
Auto-Owners	$2839	$473
Shelter	$2911	$495
State Farm	$3867	$644
Allstate	$5394	$917

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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 $303 and $303, respectively. Allstate is an expensive provider with an average six-month premium of $4366.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$303	$50
Electric	$303	$52
Cincinnati	$321	$53
Kentucky Farm Bureau	$440	$74
Farm Bureau	$624	$105
Travelers	$766	$129
State Farm	$796	$134
Shelter	$879	$148
USAA	$915	$154
Auto-Owners	$1348	$229
Progressive	$1509	$254
Allstate	$4366	$735

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 $1242 for a six month policy. While the rate increases by $315 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	$1449	$242
One Med/PIP claim	$1461	$248
Two Med/PIP claims	$1521	$253
Not-at-fault accident	$1562	$266
One comp claim	$1586	$264
Failure to wear a seat belt	$1604	$273
Failure to show documents	$1657	$276
Two comp claims	$1657	$282
Driving without lights	$1663	$277
Child safety restraint	$1681	$286
Cell phone violation	$1746	$291
Driving with expired registration	$1752	$298
Texting while driving	$1752	$292
Driving too slowly	$1764	$300
Failure to stop at a red light	$1764	$294
Failure to yield	$1764	$300
Speeding 6 - 10 MPH over limit	$1764	$294
Speeding in school zone	$1764	$300
Following too closely	$1770	$295
Illegal turn	$1770	$301
Speeding 11 - 15 MPH over limit	$1770	$295
Wrong way/wrong lane	$1770	$301
Improper passing	$1776	$296
Speeding 16 - 20 MPH over limit	$1776	$302
Speeding 21 - 25 MPH over limit	$1812	$302
In 65 MPH zone	$1824	$310
Passing school bus	$1853	$309
Open container	$1901	$323
At-fault accident - less than $1000	$1936	$323
Operating a vehicle without permission	$2079	$354
At-fault accident - $1000-$2000	$2103	$350
At-fault accident - greater than $2000	$2103	$358
Reckless driving	$2643	$441
Refusal to submit to a chemical test	$2679	$456
DUI	$2691	$448
Driving with a suspended license	$2697	$459
Racing	$2709	$451
Leaving scene of an accident/hit and run	$2738	$466

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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 $398 for a six-month policy. However, it can be as expensive as $2263 with companies like AutoOwners.

East Bernstadt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$398	$66
Kentucky Farm Bureau	$529	$90
Travelers	$713	$120
Progressive	$867	$146
Shelter	$873	$147
State Farm	$897	$151
USAA	$1010	$170
Allstate	$1925	$324
Farm Bureau	$1954	$326
Auto-Owners	$2263	$385

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 $178. However, it can be as expensive as $2964 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	$178	$30
Kentucky Farm Bureau	$214	$36
Auto-Owners Insurance Co	$244	$41
State Farm	$671	$113
Travelers	$725	$122
Shelter	$778	$131
Farm Bureau	$838	$142
Progressive	$974	$164
Auto-Owners	$998	$170
USAA	$1200	$200
Allstate	$2964	$504

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 $222 in December compared to $220 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 East Bernstadt rose to $62 in December, compared to $60 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 East Bernstadt?

The car insurance in East Bernstadt is $25 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 $74 per month for full coverage.

How much is car insurance in East Bernstadt for teenagers?

Car insurance for teenagers costs $190 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 $1022 for a six-month policy. It will cost around $172 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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