Cheapest Car Insurance Quotes in Farmers

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Farmers 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 Farmers

The car insurance rate in Farmers is $1012 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $430, making it a popular choice for budget-conscious drivers. Rates in Farmers 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 Farmers

$1012

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Farmers

1st place: AutoOwners Insurance Co

At $430 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 $470 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 $618 for six months, making it the third cheapest auto insurance company in Farmers.

Farmers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmers, KY is AutoOwners Insurance Co, offering policies at just $430 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $470.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmers drivers find the best deals.

Cheap Car Insurance Companies in Farmers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$430	$73
Cincinnati	$470	$78
Kentucky Farm Bureau	$618	$104
Travelers	$806	$136
Farm Bureau	$830	$141
Shelter	$906	$152
Auto-Owners	$970	$165
Nationwide	$976	$164
USAA	$988	$166
State Farm	$1100	$185
Electric	$1140	$194
Progressive	$1270	$214
Allstate	$2494	$420
Grange	$1176	$196

Key Takeaways

Way's key takeaways about car insurance in Farmers

The auto insurance costs in Farmers fall around $430 for six months.
The cheapest auto insurance company in Farmers is Cincinnati.
Teen drivers pay the highest rate in Farmers at $1380 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Farmers

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 Farmers are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Farmers. Their Average 6 Month Premium is $148. Allstate is the most expensive at $1030 for the same period.

Cheapest Liability Coverage in Farmers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Auto-Owners Insurance Co	$200	$34
Kentucky Farm Bureau	$224	$38
Electric	$242	$41
Nationwide	$282	$48
USAA	$294	$50
Farm Bureau	$306	$51
Travelers	$318	$53
Westfield	$330	$54
State Farm	$342	$57
Progressive	$376	$63
Shelter	$400	$67
Auto-Owners	$442	$73
Allstate	$1030	$173

Cheapest Full Coverage Car Insurance in Farmers

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 Farmers is AutoOwners Insurance Co at $73 per month and $430 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$430	$73
Cincinnati	$470	$78
Kentucky Farm Bureau	$618	$104
Travelers	$806	$136
Farm Bureau	$830	$141
Shelter	$906	$152
Auto-Owners	$970	$165
Nationwide	$976	$164
USAA	$988	$166
State Farm	$1100	$185
Electric	$1140	$194
Progressive	$1270	$214
Allstate	$2494	$420
Grange	$1176	$196

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Average Car Insurance in Farmers 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 Farmers, KY increasing?

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

Car Insurance Premiums by Age in Farmers

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	$979
30s	Auto-Owners	$743
40s	Auto-Owners	$726
50s	Auto-Owners	$693
60s	USAA	$721
70s	State Farm	$803

Cheapest Car Insurance Rates for Teen Drivers in Farmers,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Farmers at $32 per month. At $8197 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$188	$32
Auto-Owners Insurance Co	$282	$48
Kentucky Farm Bureau	$941	$158
Travelers	$1270	$214
Farm Bureau	$1294	$218
USAA	$1488	$250
Shelter	$1864	$314
State Farm	$2111	$355
Auto-Owners	$2940	$490
Progressive	$3940	$663
Allstate	$8197	$1380

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 Farmers.

As young drivers face the highest rates in Farmers, USAA offers the cheapest auto insurance rates at $979 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 Farmers, Cincinnati is the cheapest car insurance provider. At $252 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 Farmers is Allstate, offering rates of around $5340 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$252	$43
Nationwide	$376	$64
Travelers	$1058	$178
Progressive	$1212	$204
USAA	$1946	$325
Farm Bureau	$2534	$431
Auto-Owners	$2811	$468
Shelter	$2882	$490
State Farm	$3828	$638
Allstate	$5340	$908

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Farmers.

Car Insurance Rates with An Accident in Farmers

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

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

The cheapest car insurance companies after an at-fault accident in Farmers include AutoOwners Insurance Co and Electric, offering $300 and $300, respectively. Allstate is an expensive provider with an average six-month premium of $4322.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$300	$50
Electric	$300	$51
Cincinnati	$318	$52
Kentucky Farm Bureau	$436	$73
Farm Bureau	$618	$104
Travelers	$758	$128
State Farm	$788	$133
Shelter	$870	$147
USAA	$906	$152
Auto-Owners	$1335	$227
Progressive	$1494	$251
Allstate	$4322	$728

Farmers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmers KY. For example, the car insurance in Farmers after a DUI increases to $1229 for a six month policy. While the rate increases by $311 for a six-month policy in the case of a speeding ticket.

Farmers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1435	$240
One Med/PIP claim	$1446	$246
Two Med/PIP claims	$1506	$250
Not-at-fault accident	$1546	$263
One comp claim	$1570	$261
Failure to wear a seat belt	$1588	$270
Failure to show documents	$1640	$273
Two comp claims	$1640	$279
Driving without lights	$1646	$274
Child safety restraint	$1664	$283
Cell phone violation	$1729	$288
Driving with expired registration	$1734	$295
Texting while driving	$1734	$289
Driving too slowly	$1746	$297
Failure to stop at a red light	$1746	$291
Failure to yield	$1746	$297
Speeding 6 - 10 MPH over limit	$1746	$291
Speeding in school zone	$1746	$297
Following too closely	$1752	$292
Illegal turn	$1752	$298
Speeding 11 - 15 MPH over limit	$1752	$292
Wrong way/wrong lane	$1752	$298
Improper passing	$1758	$293
Speeding 16 - 20 MPH over limit	$1758	$299
Speeding 21 - 25 MPH over limit	$1794	$299
In 65 MPH zone	$1806	$307
Passing school bus	$1834	$306
Open container	$1882	$320
At-fault accident - less than $1000	$1917	$320
Operating a vehicle without permission	$2058	$350
At-fault accident - $1000-$2000	$2082	$347
At-fault accident - greater than $2000	$2082	$354
Reckless driving	$2617	$437
Refusal to submit to a chemical test	$2652	$451
DUI	$2664	$444
Driving with a suspended license	$2670	$454
Racing	$2682	$446
Leaving scene of an accident/hit and run	$2711	$461

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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 Farmers 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 Farmers.

The cheapest car insurance premiums in Farmers are offered by Cincinnati at $394 for a six-month policy. However, it can be as expensive as $2240 with companies like AutoOwners.

Farmers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$394	$65
Kentucky Farm Bureau	$524	$89
Travelers	$706	$119
Progressive	$858	$145
Shelter	$864	$146
State Farm	$888	$149
USAA	$1000	$168
Allstate	$1906	$321
Farm Bureau	$1934	$323
Auto-Owners	$2240	$381

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 Farmers are offered by Cincinnati at $176. However, it can be as expensive as $2934 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Farmers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$176	$30
Kentucky Farm Bureau	$212	$36
Auto-Owners Insurance Co	$242	$41
State Farm	$664	$112
Travelers	$718	$121
Shelter	$770	$130
Farm Bureau	$830	$141
Progressive	$964	$162
Auto-Owners	$988	$168
USAA	$1188	$198
Allstate	$2934	$499

Car Insurance Price Trends in Farmers, Kentucky

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

The average cost of full coverage in the Farmers rose by $220 in December compared to $218 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 Farmers rose to $61 in December, compared to $59 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 Farmers?

The car insurance in Farmers is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Farmers?

The cheapest car insurance in Farmers is $73 per month for full coverage.

How much is car insurance in Farmers for teenagers?

Car insurance for teenagers costs $188 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 Farmers?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $170 per month to insure your car in Farmers.

Is car insurance expensive in Farmers?

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

Cheapest Car Insurance Quotes in Farmers

Why you can trust Way?

How Much Is Car Insurance in Farmers

Avg. Car Insurance in Farmers

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Farmers

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Farmers Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmers, KY

Way's key takeaways about car insurance in Farmers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmers

Cheapest Liability Coverage in Farmers, KY

Cheapest Full Coverage Car Insurance in Farmers

Cheapest Full Coverage Car Insurance Quotes in Farmers, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmers by Rating Factor

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

Car Insurance Premiums by Age in Farmers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farmers,KY

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

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 Farmers

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

Farmers Car Insurance Rates by Violation

Farmers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmers after a DUI

Farmers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmers after Speeding ticket

Car Insurance Price Trends in Farmers, Kentucky

Average Car Insurance Cost in Farmers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmers, KY

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

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