Cheapest Car Insurance Quotes in Flat Lick

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Flat Lick Car Insurance

^$ 27

/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 $1166 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, 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

$1166

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Flat Lick

1st place: AutoOwners Insurance Co

At $464 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 $508 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 $668 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 $464 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $508.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2720 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	$464	$77
Cincinnati	$508	$87
Kentucky Farm Bureau	$668	$112
Travelers	$902	$152
Shelter	$1010	$170
USAA	$1042	$175
Auto-Owners	$1233	$205
Electric	$1233	$210
State Farm	$1233	$208
Farm Bureau	$1297	$220
Progressive	$1373	$231
Nationwide	$1481	$249
Allstate	$2720	$454

Key Takeaways

Way's key takeaways about car insurance in Flat Lick

The auto insurance costs in Flat Lick fall around $464 for six months.
The cheapest auto insurance company in Flat Lick is Cincinnati.
Teen drivers pay the highest rate in Flat Lick at $1367 per month.

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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 $159. Allstate is the most expensive at $1017 for the same period.

Cheapest Liability Coverage in Flat Lick, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$159	$27
Auto-Owners Insurance Co	$216	$36
Kentucky Farm Bureau	$242	$41
Electric	$261	$44
USAA	$318	$54
Travelers	$337	$57
Westfield	$356	$61
Farm Bureau	$375	$63
State Farm	$387	$65
Progressive	$426	$72
Shelter	$439	$74
Auto-Owners	$508	$85
Nationwide	$603	$102
Allstate	$1017	$169

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 $77 per month and $464 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	$464	$77
Cincinnati	$508	$87
Kentucky Farm Bureau	$668	$112
Travelers	$902	$152
Shelter	$1010	$170
USAA	$1042	$175
Auto-Owners	$1233	$205
Electric	$1233	$210
State Farm	$1233	$208
Farm Bureau	$1297	$220
Progressive	$1373	$231
Nationwide	$1481	$249
Allstate	$2720	$454

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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	$1021
30s	Auto-Owners	$774
40s	Auto-Owners	$756
50s	Auto-Owners	$722
60s	USAA	$751
70s	State Farm	$837

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 $34 per month. At $8206 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$203	$34
Auto-Owners Insurance Co	$305	$51
Kentucky Farm Bureau	$1017	$171
Travelers	$1474	$248
USAA	$1729	$291
Farm Bureau	$1958	$330
Shelter	$2110	$355
State Farm	$2389	$402
Auto-Owners	$3343	$568
Progressive	$4188	$705
Nationwide	$8180	$1391
Allstate	$8206	$1367

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 $1021 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 $273 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 $5772 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$273	$46
Travelers	$1239	$209
Progressive	$1278	$215
USAA	$1589	$271
Nationwide	$2008	$338
Shelter	$3400	$578
Auto-Owners	$3476	$580
Farm Bureau	$3966	$674
State Farm	$5262	$877
Allstate	$5772	$981

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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 $324 and $324, respectively. Allstate is an expensive provider with an average six-month premium of $4049.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$54
Electric	$324	$56
Cincinnati	$343	$57
Farm Bureau	$432	$74
Kentucky Farm Bureau	$471	$79
Travelers	$865	$146
State Farm	$884	$149
USAA	$947	$159
Shelter	$973	$164
Progressive	$1652	$278
Auto-Owners	$1716	$286
Nationwide	$3541	$602
Allstate	$4049	$675

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 $1329 for a six month policy. While the rate increases by $337 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	$1550	$259
One Med/PIP claim	$1563	$265
Two Med/PIP claims	$1627	$271
Not-at-fault accident	$1671	$285
One comp claim	$1697	$282
Failure to wear a seat belt	$1716	$292
Failure to show documents	$1773	$295
Two comp claims	$1773	$302
Driving without lights	$1779	$296
Child safety restraint	$1799	$306
Cell phone violation	$1868	$311
Driving with expired registration	$1875	$319
Texting while driving	$1875	$312
Driving too slowly	$1887	$321
Failure to stop at a red light	$1887	$315
Failure to yield	$1887	$321
Speeding 6 - 10 MPH over limit	$1887	$315
Speeding in school zone	$1887	$321
Following too closely	$1894	$316
Illegal turn	$1894	$322
Speeding 11 - 15 MPH over limit	$1894	$316
Wrong way/wrong lane	$1894	$322
Improper passing	$1900	$317
Speeding 16 - 20 MPH over limit	$1900	$323
Speeding 21 - 25 MPH over limit	$1939	$323
In 65 MPH zone	$1952	$332
Passing school bus	$1983	$331
Open container	$2034	$346
At-fault accident - less than $1000	$2072	$346
Operating a vehicle without permission	$2225	$379
At-fault accident - $1000-$2000	$2250	$375
At-fault accident - greater than $2000	$2250	$383
Reckless driving	$2828	$472
Refusal to submit to a chemical test	$2867	$488
DUI	$2879	$479
Driving with a suspended license	$2886	$491
Racing	$2899	$483
Leaving scene of an accident/hit and run	$2930	$499

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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 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 $426 for a six-month policy. However, it can be as expensive as $4608 with companies like Nationwide.

Flat Lick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$426	$73
Allstate	$553	$92
Kentucky Farm Bureau	$566	$96
Travelers	$820	$138
Progressive	$908	$153
Shelter	$979	$165
State Farm	$1029	$173
USAA	$1195	$201
Auto-Owners	$2828	$480
Farm Bureau	$3070	$511
Nationwide	$4608	$783

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 $190. However, it can be as expensive as $3171 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	$190	$32
Kentucky Farm Bureau	$229	$39
Auto-Owners Insurance Co	$261	$44
State Farm	$795	$134
Travelers	$852	$143
Shelter	$890	$150
Progressive	$1118	$188
USAA	$1163	$198
Auto-Owners	$1290	$215
Farm Bureau	$1297	$220
Nationwide	$2326	$387
Allstate	$3171	$539

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 $242 in January compared to $238 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Flat Lick dipped to $65 in January, compared to $66 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Flat Lick?

The car insurance in Flat Lick is $27 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 $77 per month for full coverage.

How much is car insurance in Flat Lick for teenagers?

Car insurance for teenagers costs $203 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 $1090 for a six-month policy. It will cost around $196 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)

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