Cheapest Car Insurance Quotes in Flat Lick

Finding the cheapest car insurance quotes in Flat Lick 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Flat Lick Car Insurance

^$ 29

/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 Flat Lick

The car insurance rate in Flat Lick is $1175 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Flat Lick 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 Flat Lick

$1175

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Flat Lick

1st place: AutoOwners Insurance Co

At $499 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 $546 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 $718 for six months, making it the third cheapest auto insurance company in Flat Lick.

Flat Lick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Flat Lick, KY is AutoOwners Insurance Co, offering policies at just $499 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $546.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1366 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Flat Lick drivers find the best deals.

Cheap Car Insurance Companies in Flat Lick, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$499	$85
Cincinnati	$546	$91
Kentucky Farm Bureau	$718	$121
Travelers	$936	$158
Farm Bureau	$964	$163
Shelter	$1052	$177
Auto-Owners	$1127	$192
Nationwide	$1134	$191
USAA	$1148	$193
State Farm	$1278	$215
Electric	$1325	$225
Progressive	$1475	$248
Allstate	$2897	$488
Grange	$1366	$228

Key Takeaways

Way's key takeaways about car insurance in Flat Lick

The auto insurance costs in Flat Lick fall around $499 for six months.
The cheapest auto insurance company in Flat Lick is Cincinnati.
Teen drivers pay the highest rate in Flat Lick at $1603 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 Flat Lick

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 Flat Lick are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Flat Lick. Their Average 6 Month Premium is $171. Allstate is the most expensive at $1196 for the same period.

Cheapest Liability Coverage in Flat Lick, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$171	$29
Auto-Owners Insurance Co	$232	$39
Kentucky Farm Bureau	$260	$44
Electric	$281	$47
Nationwide	$328	$55
USAA	$342	$57
Farm Bureau	$355	$60
Travelers	$369	$62
Westfield	$383	$63
State Farm	$397	$67
Progressive	$437	$74
Shelter	$465	$78
Auto-Owners	$513	$85
Allstate	$1196	$201

Cheapest Full Coverage Car Insurance in Flat Lick

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 Flat Lick is AutoOwners Insurance Co at $85 per month and $499 for six months.

Cheapest Full Coverage Car Insurance Quotes in Flat Lick, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$499	$85
Cincinnati	$546	$91
Kentucky Farm Bureau	$718	$121
Travelers	$936	$158
Farm Bureau	$964	$163
Shelter	$1052	$177
Auto-Owners	$1127	$192
Nationwide	$1134	$191
USAA	$1148	$193
State Farm	$1278	$215
Electric	$1325	$225
Progressive	$1475	$248
Allstate	$2897	$488
Grange	$1366	$228

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Flat Lick Instantly!

Average Car Insurance in Flat Lick 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 Flat Lick, KY increasing?

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

Car Insurance Premiums by Age in Flat Lick

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	$1137
30s	Auto-Owners	$862
40s	Auto-Owners	$843
50s	Auto-Owners	$805
60s	USAA	$837
70s	State Farm	$933

Cheapest Car Insurance Rates for Teen Drivers in Flat Lick,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Flat Lick at $37 per month. At $9522 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$218	$37
Auto-Owners Insurance Co	$328	$55
Kentucky Farm Bureau	$1093	$184
Travelers	$1475	$248
Farm Bureau	$1503	$253
USAA	$1728	$291
Shelter	$2165	$365
State Farm	$2452	$413
Auto-Owners	$3415	$569
Progressive	$4577	$770
Allstate	$9522	$1603

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 Flat Lick.

As young drivers face the highest rates in Flat Lick, USAA offers the cheapest auto insurance rates at $1137 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 Flat Lick, Cincinnati is the cheapest car insurance provider. At $293 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 Flat Lick is Allstate, offering rates of around $6203 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$293	$49
Nationwide	$437	$75
Travelers	$1229	$207
Progressive	$1408	$237
USAA	$2261	$377
Farm Bureau	$2944	$500
Auto-Owners	$3265	$544
Shelter	$3348	$569
State Farm	$4447	$741
Allstate	$6203	$1055

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Flat Lick

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

Cheapest Car Insurance Companies after an At-Fault Accident in Flat Lick

The cheapest car insurance companies after an at-fault accident in Flat Lick include AutoOwners Insurance Co and Electric, offering $348 and $348, respectively. Allstate is an expensive provider with an average six-month premium of $5021.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$348	$57
Electric	$348	$60
Cincinnati	$369	$61
Kentucky Farm Bureau	$506	$85
Farm Bureau	$718	$121
Travelers	$881	$148
State Farm	$915	$154
Shelter	$1011	$170
USAA	$1052	$177
Auto-Owners	$1550	$263
Progressive	$1735	$292
Allstate	$5021	$845

Flat Lick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Flat Lick KY. For example, the car insurance in Flat Lick after a DUI increases to $1429 for a six month policy. While the rate increases by $363 for a six-month policy in the case of a speeding ticket.

Flat Lick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1666	$278
One Med/PIP claim	$1680	$285
Two Med/PIP claims	$1749	$291
Not-at-fault accident	$1796	$306
One comp claim	$1824	$304
Failure to wear a seat belt	$1845	$314
Failure to show documents	$1906	$317
Two comp claims	$1906	$324
Driving without lights	$1912	$319
Child safety restraint	$1933	$329
Cell phone violation	$2008	$335
Driving with expired registration	$2015	$343
Texting while driving	$2015	$336
Driving too slowly	$2029	$345
Failure to stop at a red light	$2029	$338
Failure to yield	$2029	$345
Speeding 6 - 10 MPH over limit	$2029	$338
Speeding in school zone	$2029	$345
Following too closely	$2035	$339
Illegal turn	$2035	$346
Speeding 11 - 15 MPH over limit	$2035	$339
Wrong way/wrong lane	$2035	$346
Improper passing	$2042	$340
Speeding 16 - 20 MPH over limit	$2042	$347
Speeding 21 - 25 MPH over limit	$2084	$347
In 65 MPH zone	$2098	$357
Passing school bus	$2131	$355
Open container	$2186	$371
At-fault accident - less than $1000	$2226	$371
Operating a vehicle without permission	$2391	$407
At-fault accident - $1000-$2000	$2418	$402
At-fault accident - greater than $2000	$2418	$412
Reckless driving	$3039	$507
Refusal to submit to a chemical test	$3081	$524
DUI	$3095	$515
Driving with a suspended license	$3102	$528
Racing	$3115	$519
Leaving scene of an accident/hit and run	$3149	$536

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Flat Lick 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 Flat Lick.

The cheapest car insurance premiums in Flat Lick are offered by Cincinnati at $458 for a six-month policy. However, it can be as expensive as $2602 with companies like AutoOwners.

Flat Lick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$458	$76
Kentucky Farm Bureau	$608	$103
Travelers	$820	$138
Progressive	$997	$168
Shelter	$1004	$169
State Farm	$1032	$174
USAA	$1162	$195
Allstate	$2214	$373
Farm Bureau	$2247	$375
Auto-Owners	$2602	$443

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 Flat Lick are offered by Cincinnati at $205. However, it can be as expensive as $3409 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Flat Lick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$205	$35
Kentucky Farm Bureau	$246	$41
Auto-Owners Insurance Co	$281	$47
State Farm	$772	$130
Travelers	$834	$140
Shelter	$895	$151
Farm Bureau	$964	$163
Progressive	$1120	$189
Auto-Owners	$1148	$195
USAA	$1380	$230
Allstate	$3409	$580

Car Insurance Price Trends in Flat Lick, Kentucky

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

The average cost of full coverage in the Flat Lick rose by $255 in December compared to $253 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 Flat Lick rose to $71 in December, compared to $69 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Flat Lick?

The car insurance in Flat Lick is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Flat Lick?

The cheapest car insurance in Flat Lick is $85 per month for full coverage.

How much is car insurance in Flat Lick for teenagers?

Car insurance for teenagers costs $218 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 Flat Lick?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $198 per month to insure your car in Flat Lick.

Is car insurance expensive in Flat Lick?

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

Cheapest Car Insurance Quotes in Flat Lick

Why you can trust Way?

How Much Is Car Insurance in Flat Lick

Avg. Car Insurance in Flat Lick

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Flat Lick

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Flat Lick Car Insurance Rates by Company

Cheap Car Insurance Companies in Flat Lick, KY

Way's key takeaways about car insurance in Flat Lick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Flat Lick

Cheapest Liability Coverage in Flat Lick, KY

Cheapest Full Coverage Car Insurance in Flat Lick

Cheapest Full Coverage Car Insurance Quotes in Flat Lick, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Flat Lick by Rating Factor

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

Car Insurance Premiums by Age in Flat Lick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Flat Lick,KY

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

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 Flat Lick

Cheapest Car Insurance Companies after an At-Fault Accident in Flat Lick

Flat Lick Car Insurance Rates by Violation

Flat Lick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Flat Lick after a DUI

Flat Lick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Flat Lick after Speeding ticket

Car Insurance Price Trends in Flat Lick, Kentucky

Average Car Insurance Cost in Flat Lick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Flat Lick, KY

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

Featured Blogs

Data Sources