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Finding the cheapest car insurance quotes in Eighty Eight shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Eighty Eight
The car insurance rate in Eighty Eight is $838 for a six-month policy, which is $184 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $356, making it a popular choice for budget-conscious drivers. Rates in Eighty Eight 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.
At $356 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 $390 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 $512
for six months, making it
the third cheapest auto insurance company in Eighty Eight.
Eighty Eight Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Eighty Eight, KY is AutoOwners Insurance Co, offering policies at just $356 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $390.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $974 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eighty Eight drivers find the best deals.
Way's key takeaways about car insurance in Eighty Eight
The auto insurance costs in Eighty Eight fall around $356 for six
months.
The cheapest auto insurance company in Eighty Eight is Cincinnati.
Teen drivers pay the highest rate in Eighty Eight at $1143 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Eighty Eight
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 Eighty Eight are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Eighty Eight. Their Average 6 Month Premium is $122.
Allstate is the most
expensive at $853 for the same
period.
Cheapest Full Coverage Car Insurance in Eighty Eight
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 Eighty Eight is AutoOwners Insurance Co
at $61 per month and $356
for six months.
Cheapest Full Coverage Car Insurance Quotes in Eighty Eight,
KY
Get Your Car Insurance Quote in Eighty Eight
Instantly!
Average Car Insurance in Eighty Eight 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 Eighty Eight, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Eighty Eight, 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, Eighty Eight's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Eighty Eight
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
$811
30s
Auto-Owners
$615
40s
Auto-Owners
$601
50s
Auto-Owners
$574
60s
USAA
$597
70s
State Farm
$665
Cheapest Car Insurance Rates for Teen Drivers in
Eighty Eight,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Eighty Eight at $26
per
month. At $6790 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Eighty Eight.
As young drivers face the highest rates in Eighty Eight, USAA
offers the cheapest auto insurance rates at $811 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 Eighty Eight,
Cincinnati is
the cheapest car insurance provider. At $209 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
Eighty Eight is Allstate, offering
rates of around $4423 for six
months.
Save up to $971/yr on car insurance rates in Eighty Eight.
Car Insurance Rates with An Accident in Eighty Eight
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 Eighty Eight, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Eighty Eight
The cheapest car insurance companies after an at-fault accident in
Eighty Eight include AutoOwners Insurance Co
and Electric, offering $248
and $248,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3580.
Here is a list of driving violations that can increase your car
insurance rates in Eighty Eight KY. For example, the car
insurance in Eighty Eight
after a DUI increases to $1019 for a six
month policy. While the rate increases by $258 for a six-month policy in the case of
a speeding ticket.
Eighty Eight auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1188
$198
One Med/PIP claim
$1198
$203
Two Med/PIP claims
$1247
$207
Not-at-fault accident
$1281
$218
One comp claim
$1301
$216
Failure to wear a seat belt
$1315
$224
Failure to show documents
$1359
$226
Two comp claims
$1359
$231
Driving without lights
$1364
$227
Child safety restraint
$1378
$235
Cell phone violation
$1432
$239
Driving with expired registration
$1437
$244
Texting while driving
$1437
$239
Driving too slowly
$1446
$246
Failure to stop at a red light
$1446
$241
Failure to yield
$1446
$246
Speeding 6 - 10 MPH over limit
$1446
$241
Speeding in school zone
$1446
$246
Following too closely
$1451
$242
Illegal turn
$1451
$247
Speeding 11 - 15 MPH over limit
$1451
$242
Wrong way/wrong lane
$1451
$247
Improper passing
$1456
$243
Speeding 16 - 20 MPH over limit
$1456
$248
Speeding 21 - 25 MPH over limit
$1486
$248
In 65 MPH zone
$1496
$254
Passing school bus
$1519
$253
Open container
$1559
$265
At-fault accident - less than $1000
$1588
$265
Operating a vehicle without permission
$1705
$290
At-fault accident - $1000-$2000
$1724
$287
At-fault accident - greater than $2000
$1724
$294
Reckless driving
$2167
$362
Refusal to submit to a chemical test
$2197
$374
DUI
$2207
$367
Driving with a suspended license
$2212
$376
Racing
$2221
$370
Leaving scene of an accident/hit and run
$2245
$382
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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 Eighty Eight 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 Eighty Eight.
The cheapest car insurance premiums in
Eighty Eight are
offered by Cincinnati at $326 for a six-month policy.
However, it can be as
expensive as $1856 with companies
like AutoOwners.
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 Eighty Eight are offered by Cincinnati
at $146. However,
it can be as expensive as $2430
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Eighty Eight after Speeding ticket
Car Insurance Price Trends in Eighty Eight,
Kentucky
Car insurance rates in Eighty Eight have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Eighty Eight rose by
$182 in December
compared to $180 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 Eighty Eight rose to $51 in December,
compared to $49 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Eighty Eight by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Eighty Eight. At $1676 for a
six-month policy, insuring
your car at 42130 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Eighty Eight?
The car insurance in Eighty Eight is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Eighty Eight?
The cheapest car insurance in Eighty Eight
is $61 per month
for full coverage.
How much is car insurance in Eighty Eight for teenagers?
Car insurance for teenagers costs $156 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
Eighty Eight?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $141 per month to insure your
car in Eighty Eight.
Is car insurance expensive in Eighty Eight?
Car insurance can be expensive in Eighty Eight if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Eighty Eight can be
affordable.
What is the best car insurance in Eighty Eight,
KY?
The best car insurance company in Eighty Eight
KY is
AutoOwners Insurance Co, offering $356 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Eighty Eight, KY
Car Insurance Rates by State in the USA (2025 Update)
Eighty Eight Car Insurance
