Cheapest Car Insurance Quotes in Fairfield

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Fairfield Car Insurance

^$ 24

/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 Fairfield

The car insurance rate in Fairfield is $971 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Fairfield 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 Fairfield

$971

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Fairfield

1st place: AutoOwners Insurance Co

At $412 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 $451 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 $593 for six months, making it the third cheapest auto insurance company in Fairfield.

Fairfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairfield, KY is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $451.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1129 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairfield drivers find the best deals.

Cheap Car Insurance Companies in Fairfield, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$70
Cincinnati	$451	$75
Kentucky Farm Bureau	$593	$100
Travelers	$773	$130
Farm Bureau	$796	$135
Shelter	$869	$146
Auto-Owners	$931	$159
Nationwide	$937	$158
USAA	$948	$160
State Farm	$1055	$178
Electric	$1094	$186
Progressive	$1219	$205
Allstate	$2393	$403
Grange	$1129	$188

Key Takeaways

Way's key takeaways about car insurance in Fairfield

The auto insurance costs in Fairfield fall around $412 for six months.
The cheapest auto insurance company in Fairfield is Cincinnati.
Teen drivers pay the highest rate in Fairfield at $1324 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 Fairfield

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 Fairfield are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Fairfield. Their Average 6 Month Premium is $142. Allstate is the most expensive at $988 for the same period.

Cheapest Liability Coverage in Fairfield, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$142	$24
Auto-Owners Insurance Co	$192	$32
Kentucky Farm Bureau	$215	$36
Electric	$232	$39
Nationwide	$271	$46
USAA	$282	$48
Farm Bureau	$294	$49
Travelers	$305	$51
Westfield	$316	$52
State Farm	$328	$55
Progressive	$361	$61
Shelter	$384	$65
Auto-Owners	$424	$70
Allstate	$988	$166

Cheapest Full Coverage Car Insurance in Fairfield

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 Fairfield is AutoOwners Insurance Co at $70 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairfield, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$70
Cincinnati	$451	$75
Kentucky Farm Bureau	$593	$100
Travelers	$773	$130
Farm Bureau	$796	$135
Shelter	$869	$146
Auto-Owners	$931	$159
Nationwide	$937	$158
USAA	$948	$160
State Farm	$1055	$178
Electric	$1094	$186
Progressive	$1219	$205
Allstate	$2393	$403
Grange	$1129	$188

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Average Car Insurance in Fairfield 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 Fairfield, KY increasing?

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

Car Insurance Premiums by Age in Fairfield

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	$940
30s	Auto-Owners	$713
40s	Auto-Owners	$696
50s	Auto-Owners	$665
60s	USAA	$692
70s	State Farm	$770

Cheapest Car Insurance Rates for Teen Drivers in Fairfield,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Fairfield at $30 per month. At $7866 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$181	$30
Auto-Owners Insurance Co	$271	$46
Kentucky Farm Bureau	$903	$152
Travelers	$1219	$205
Farm Bureau	$1242	$209
USAA	$1428	$240
Shelter	$1789	$301
State Farm	$2025	$341
Auto-Owners	$2822	$470
Progressive	$3781	$637
Allstate	$7866	$1324

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 Fairfield.

As young drivers face the highest rates in Fairfield, USAA offers the cheapest auto insurance rates at $940 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 Fairfield, Cincinnati is the cheapest car insurance provider. At $242 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 Fairfield is Allstate, offering rates of around $5124 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$242	$41
Nationwide	$361	$62
Travelers	$1016	$171
Progressive	$1163	$196
USAA	$1868	$312
Farm Bureau	$2432	$413
Auto-Owners	$2697	$449
Shelter	$2765	$470
State Farm	$3674	$612
Allstate	$5124	$871

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Car Insurance Rates with An Accident in Fairfield

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

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

The cheapest car insurance companies after an at-fault accident in Fairfield include AutoOwners Insurance Co and Electric, offering $288 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $4148.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$48
Electric	$288	$49
Cincinnati	$305	$50
Kentucky Farm Bureau	$418	$70
Farm Bureau	$593	$100
Travelers	$728	$123
State Farm	$756	$127
Shelter	$835	$141
USAA	$869	$146
Auto-Owners	$1281	$218
Progressive	$1434	$241
Allstate	$4148	$698

Fairfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairfield KY. For example, the car insurance in Fairfield after a DUI increases to $1179 for a six month policy. While the rate increases by $299 for a six-month policy in the case of a speeding ticket.

Fairfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1377	$230
One Med/PIP claim	$1388	$236
Two Med/PIP claims	$1445	$240
Not-at-fault accident	$1484	$253
One comp claim	$1507	$251
Failure to wear a seat belt	$1524	$259
Failure to show documents	$1574	$262
Two comp claims	$1574	$268
Driving without lights	$1580	$263
Child safety restraint	$1597	$272
Cell phone violation	$1659	$276
Driving with expired registration	$1664	$283
Texting while driving	$1664	$277
Driving too slowly	$1676	$285
Failure to stop at a red light	$1676	$279
Failure to yield	$1676	$285
Speeding 6 - 10 MPH over limit	$1676	$279
Speeding in school zone	$1676	$285
Following too closely	$1682	$280
Illegal turn	$1682	$286
Speeding 11 - 15 MPH over limit	$1682	$280
Wrong way/wrong lane	$1682	$286
Improper passing	$1687	$281
Speeding 16 - 20 MPH over limit	$1687	$287
Speeding 21 - 25 MPH over limit	$1721	$287
In 65 MPH zone	$1733	$295
Passing school bus	$1760	$294
Open container	$1806	$307
At-fault accident - less than $1000	$1839	$307
Operating a vehicle without permission	$1975	$336
At-fault accident - $1000-$2000	$1998	$333
At-fault accident - greater than $2000	$1998	$340
Reckless driving	$2511	$419
Refusal to submit to a chemical test	$2545	$433
DUI	$2556	$426
Driving with a suspended license	$2562	$436
Racing	$2574	$428
Leaving scene of an accident/hit and run	$2601	$443

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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 Fairfield 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 Fairfield.

The cheapest car insurance premiums in Fairfield are offered by Cincinnati at $378 for a six-month policy. However, it can be as expensive as $2150 with companies like AutoOwners.

Fairfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$378	$63
Kentucky Farm Bureau	$503	$86
Travelers	$677	$114
Progressive	$824	$139
Shelter	$829	$140
State Farm	$852	$143
USAA	$960	$162
Allstate	$1829	$308
Farm Bureau	$1856	$310
Auto-Owners	$2150	$366

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 Fairfield are offered by Cincinnati at $169. However, it can be as expensive as $2816 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fairfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$169	$29
Kentucky Farm Bureau	$203	$34
Auto-Owners Insurance Co	$232	$39
State Farm	$637	$107
Travelers	$689	$116
Shelter	$739	$124
Farm Bureau	$796	$135
Progressive	$925	$156
Auto-Owners	$948	$162
USAA	$1140	$190
Allstate	$2816	$479

Car Insurance Price Trends in Fairfield, Kentucky

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

The average cost of full coverage in the Fairfield rose by $211 in December compared to $209 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 Fairfield rose to $59 in December, compared to $57 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 Fairfield?

The car insurance in Fairfield is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Fairfield?

The cheapest car insurance in Fairfield is $70 per month for full coverage.

How much is car insurance in Fairfield for teenagers?

Car insurance for teenagers costs $181 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 Fairfield?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $163 per month to insure your car in Fairfield.

Is car insurance expensive in Fairfield?

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

Cheapest Car Insurance Quotes in Fairfield

Why you can trust Way?

How Much Is Car Insurance in Fairfield

Avg. Car Insurance in Fairfield

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Fairfield

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Fairfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairfield, KY

Way's key takeaways about car insurance in Fairfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairfield

Cheapest Liability Coverage in Fairfield, KY

Cheapest Full Coverage Car Insurance in Fairfield

Cheapest Full Coverage Car Insurance Quotes in Fairfield, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairfield by Rating Factor

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

Car Insurance Premiums by Age in Fairfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairfield,KY

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

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 Fairfield

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

Fairfield Car Insurance Rates by Violation

Fairfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairfield after a DUI

Fairfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairfield after Speeding ticket

Car Insurance Price Trends in Fairfield, Kentucky

Average Car Insurance Cost in Fairfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairfield, KY

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

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