Cheapest Car Insurance Quotes in Fancy Farm

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Fancy Farm 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 Fancy Farm

The car insurance rate in Fancy Farm is $889 for a six-month policy, which is $133 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Fancy Farm 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 Fancy Farm

$889

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Fancy Farm

1st place: AutoOwners Insurance Co

At $378 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 $413 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 $543 for six months, making it the third cheapest auto insurance company in Fancy Farm.

Fancy Farm Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fancy Farm, KY is AutoOwners Insurance Co, offering policies at just $378 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $413.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fancy Farm drivers find the best deals.

Cheap Car Insurance Companies in Fancy Farm, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$378	$64
Cincinnati	$413	$69
Kentucky Farm Bureau	$543	$91
Travelers	$708	$119
Farm Bureau	$729	$124
Shelter	$796	$134
Auto-Owners	$853	$145
Nationwide	$858	$144
USAA	$868	$146
State Farm	$967	$163
Electric	$1002	$171
Progressive	$1116	$188
Allstate	$2192	$369
Grange	$1034	$172

Key Takeaways

Way's key takeaways about car insurance in Fancy Farm

The auto insurance costs in Fancy Farm fall around $378 for six months.
The cheapest auto insurance company in Fancy Farm is Cincinnati.
Teen drivers pay the highest rate in Fancy Farm at $1213 per month.

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Cheapest Minimum Liability Car Insurance in Fancy Farm

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 Fancy Farm are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Fancy Farm. Their Average 6 Month Premium is $130. Allstate is the most expensive at $905 for the same period.

Cheapest Liability Coverage in Fancy Farm, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$130	$22
Auto-Owners Insurance Co	$176	$30
Kentucky Farm Bureau	$197	$33
Electric	$212	$36
Nationwide	$248	$42
USAA	$258	$44
Farm Bureau	$269	$45
Travelers	$279	$47
Westfield	$290	$48
State Farm	$300	$50
Progressive	$331	$56
Shelter	$351	$59
Auto-Owners	$388	$64
Allstate	$905	$152

Cheapest Full Coverage Car Insurance in Fancy Farm

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 Fancy Farm is AutoOwners Insurance Co at $64 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fancy Farm, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$378	$64
Cincinnati	$413	$69
Kentucky Farm Bureau	$543	$91
Travelers	$708	$119
Farm Bureau	$729	$124
Shelter	$796	$134
Auto-Owners	$853	$145
Nationwide	$858	$144
USAA	$868	$146
State Farm	$967	$163
Electric	$1002	$171
Progressive	$1116	$188
Allstate	$2192	$369
Grange	$1034	$172

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Average Car Insurance in Fancy Farm 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 Fancy Farm, KY increasing?

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

Car Insurance Premiums by Age in Fancy Farm

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	$860
30s	Auto-Owners	$653
40s	Auto-Owners	$638
50s	Auto-Owners	$609
60s	USAA	$633
70s	State Farm	$706

Cheapest Car Insurance Rates for Teen Drivers in Fancy Farm,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Fancy Farm at $28 per month. At $7204 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$165	$28
Auto-Owners Insurance Co	$248	$42
Kentucky Farm Bureau	$827	$139
Travelers	$1116	$188
Farm Bureau	$1137	$191
USAA	$1308	$220
Shelter	$1638	$276
State Farm	$1855	$312
Auto-Owners	$2584	$431
Progressive	$3463	$583
Allstate	$7204	$1213

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 Fancy Farm.

As young drivers face the highest rates in Fancy Farm, USAA offers the cheapest auto insurance rates at $860 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 Fancy Farm, Cincinnati is the cheapest car insurance provider. At $222 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 Fancy Farm is Allstate, offering rates of around $4693 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$222	$37
Nationwide	$331	$57
Travelers	$930	$157
Progressive	$1065	$179
USAA	$1710	$285
Farm Bureau	$2227	$378
Auto-Owners	$2470	$412
Shelter	$2533	$431
State Farm	$3364	$560
Allstate	$4693	$798

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Car Insurance Rates with An Accident in Fancy Farm

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fancy Farm

The cheapest car insurance companies after an at-fault accident in Fancy Farm include AutoOwners Insurance Co and Electric, offering $264 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $3798.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$44
Electric	$264	$45
Cincinnati	$279	$46
Kentucky Farm Bureau	$383	$64
Farm Bureau	$543	$91
Travelers	$666	$112
State Farm	$693	$117
Shelter	$765	$129
USAA	$796	$134
Auto-Owners	$1173	$199
Progressive	$1313	$221
Allstate	$3798	$639

Fancy Farm Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fancy Farm KY. For example, the car insurance in Fancy Farm after a DUI increases to $1080 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Fancy Farm auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1261	$211
One Med/PIP claim	$1271	$216
Two Med/PIP claims	$1323	$220
Not-at-fault accident	$1359	$231
One comp claim	$1380	$230
Failure to wear a seat belt	$1395	$238
Failure to show documents	$1442	$240
Two comp claims	$1442	$245
Driving without lights	$1447	$241
Child safety restraint	$1462	$249
Cell phone violation	$1519	$253
Driving with expired registration	$1524	$259
Texting while driving	$1524	$254
Driving too slowly	$1535	$261
Failure to stop at a red light	$1535	$256
Failure to yield	$1535	$261
Speeding 6 - 10 MPH over limit	$1535	$256
Speeding in school zone	$1535	$261
Following too closely	$1540	$257
Illegal turn	$1540	$262
Speeding 11 - 15 MPH over limit	$1540	$257
Wrong way/wrong lane	$1540	$262
Improper passing	$1545	$258
Speeding 16 - 20 MPH over limit	$1545	$263
Speeding 21 - 25 MPH over limit	$1576	$263
In 65 MPH zone	$1587	$270
Passing school bus	$1612	$269
Open container	$1654	$281
At-fault accident - less than $1000	$1684	$281
Operating a vehicle without permission	$1809	$308
At-fault accident - $1000-$2000	$1830	$305
At-fault accident - greater than $2000	$1830	$311
Reckless driving	$2299	$384
Refusal to submit to a chemical test	$2331	$397
DUI	$2341	$390
Driving with a suspended license	$2346	$399
Racing	$2357	$392
Leaving scene of an accident/hit and run	$2382	$405

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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 Fancy Farm 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 Fancy Farm.

The cheapest car insurance premiums in Fancy Farm are offered by Cincinnati at $346 for a six-month policy. However, it can be as expensive as $1969 with companies like AutoOwners.

Fancy Farm car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$346	$57
Kentucky Farm Bureau	$460	$78
Travelers	$620	$104
Progressive	$754	$127
Shelter	$760	$128
State Farm	$780	$131
USAA	$879	$148
Allstate	$1675	$282
Farm Bureau	$1700	$284
Auto-Owners	$1969	$335

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 Fancy Farm are offered by Cincinnati at $155. However, it can be as expensive as $2579 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fancy Farm after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$155	$26
Kentucky Farm Bureau	$186	$31
Auto-Owners Insurance Co	$212	$36
State Farm	$584	$98
Travelers	$631	$106
Shelter	$677	$114
Farm Bureau	$729	$124
Progressive	$847	$143
Auto-Owners	$868	$148
USAA	$1044	$174
Allstate	$2579	$438

Car Insurance Price Trends in Fancy Farm, Kentucky

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

The average cost of full coverage in the Fancy Farm rose by $193 in December compared to $191 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 Fancy Farm rose to $54 in December, compared to $52 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 Fancy Farm?

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

What is the cheapest car insurance in Fancy Farm?

The cheapest car insurance in Fancy Farm is $64 per month for full coverage.

How much is car insurance in Fancy Farm for teenagers?

Car insurance for teenagers costs $165 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 Fancy Farm?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $150 per month to insure your car in Fancy Farm.

Is car insurance expensive in Fancy Farm?

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

Cheapest Car Insurance Quotes in Fancy Farm

Why you can trust Way?

How Much Is Car Insurance in Fancy Farm

Avg. Car Insurance in Fancy Farm

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Fancy Farm

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Fancy Farm Car Insurance Rates by Company

Cheap Car Insurance Companies in Fancy Farm, KY

Way's key takeaways about car insurance in Fancy Farm

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fancy Farm

Cheapest Liability Coverage in Fancy Farm, KY

Cheapest Full Coverage Car Insurance in Fancy Farm

Cheapest Full Coverage Car Insurance Quotes in Fancy Farm, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fancy Farm by Rating Factor

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

Car Insurance Premiums by Age in Fancy Farm

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fancy Farm,KY

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

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 Fancy Farm

Cheapest Car Insurance Companies after an At-Fault Accident in Fancy Farm

Fancy Farm Car Insurance Rates by Violation

Fancy Farm auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fancy Farm after a DUI

Fancy Farm car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fancy Farm after Speeding ticket

Car Insurance Price Trends in Fancy Farm, Kentucky

Average Car Insurance Cost in Fancy Farm by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fancy Farm, KY

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

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