Cheapest Car Insurance Quotes in Fort Wright

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Fort Wright Car Insurance

^$ 20

/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 Fort Wright

The car insurance rate in Fort Wright is $797 for a six-month policy, which is $225 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Fort Wright 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 Fort Wright

$797

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Fort Wright

1st place: AutoOwners Insurance Co

At $339 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 $371 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 $487 for six months, making it the third cheapest auto insurance company in Fort Wright.

Fort Wright Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Wright, KY is AutoOwners Insurance Co, offering policies at just $339 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $371.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $927 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Wright drivers find the best deals.

Cheap Car Insurance Companies in Fort Wright, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$58
Cincinnati	$371	$62
Kentucky Farm Bureau	$487	$82
Travelers	$635	$107
Farm Bureau	$654	$111
Shelter	$714	$120
Auto-Owners	$764	$130
Nationwide	$769	$129
USAA	$778	$131
State Farm	$867	$146
Electric	$899	$153
Progressive	$1001	$168
Allstate	$1965	$331
Grange	$927	$154

Key Takeaways

Way's key takeaways about car insurance in Fort Wright

The auto insurance costs in Fort Wright fall around $339 for six months.
The cheapest auto insurance company in Fort Wright is Cincinnati.
Teen drivers pay the highest rate in Fort Wright at $1087 per month.

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

Cheapest Minimum Liability Car Insurance in Fort Wright

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 Fort Wright are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Fort Wright. Their Average 6 Month Premium is $116. Allstate is the most expensive at $811 for the same period.

Cheapest Liability Coverage in Fort Wright, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$116	$20
Auto-Owners Insurance Co	$158	$27
Kentucky Farm Bureau	$176	$30
Electric	$190	$32
Nationwide	$222	$37
USAA	$232	$39
Farm Bureau	$241	$41
Travelers	$250	$42
Westfield	$260	$43
State Farm	$269	$45
Progressive	$296	$50
Shelter	$315	$53
Auto-Owners	$348	$58
Allstate	$811	$137

Cheapest Full Coverage Car Insurance in Fort Wright

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 Fort Wright is AutoOwners Insurance Co at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Wright, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$58
Cincinnati	$371	$62
Kentucky Farm Bureau	$487	$82
Travelers	$635	$107
Farm Bureau	$654	$111
Shelter	$714	$120
Auto-Owners	$764	$130
Nationwide	$769	$129
USAA	$778	$131
State Farm	$867	$146
Electric	$899	$153
Progressive	$1001	$168
Allstate	$1965	$331
Grange	$927	$154

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Average Car Insurance in Fort Wright 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 Fort Wright, KY increasing?

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

Car Insurance Premiums by Age in Fort Wright

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	$771
30s	Auto-Owners	$585
40s	Auto-Owners	$572
50s	Auto-Owners	$546
60s	USAA	$568
70s	State Farm	$633

Cheapest Car Insurance Rates for Teen Drivers in Fort Wright,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Fort Wright at $25 per month. At $6458 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Auto-Owners Insurance Co	$222	$37
Kentucky Farm Bureau	$741	$125
Travelers	$1001	$168
Farm Bureau	$1019	$172
USAA	$1172	$197
Shelter	$1469	$247
State Farm	$1663	$280
Auto-Owners	$2317	$386
Progressive	$3104	$523
Allstate	$6458	$1087

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 Fort Wright.

As young drivers face the highest rates in Fort Wright, USAA offers the cheapest auto insurance rates at $771 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 Fort Wright, Cincinnati is the cheapest car insurance provider. At $199 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 Fort Wright is Allstate, offering rates of around $4207 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$199	$34
Nationwide	$296	$51
Travelers	$834	$140
Progressive	$955	$161
USAA	$1533	$256
Farm Bureau	$1997	$339
Auto-Owners	$2214	$369
Shelter	$2271	$386
State Farm	$3016	$502
Allstate	$4207	$715

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Car Insurance Rates with An Accident in Fort Wright

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Wright

The cheapest car insurance companies after an at-fault accident in Fort Wright include AutoOwners Insurance Co and Electric, offering $236 and $236, respectively. Allstate is an expensive provider with an average six-month premium of $3405.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$236	$39
Electric	$236	$41
Cincinnati	$250	$41
Kentucky Farm Bureau	$343	$58
Farm Bureau	$487	$82
Travelers	$597	$101
State Farm	$621	$105
Shelter	$686	$115
USAA	$714	$120
Auto-Owners	$1051	$179
Progressive	$1177	$198
Allstate	$3405	$573

Fort Wright Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Wright KY. For example, the car insurance in Fort Wright after a DUI increases to $969 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Fort Wright auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1130	$189
One Med/PIP claim	$1140	$193
Two Med/PIP claims	$1186	$197
Not-at-fault accident	$1218	$207
One comp claim	$1237	$206
Failure to wear a seat belt	$1251	$213
Failure to show documents	$1292	$215
Two comp claims	$1292	$220
Driving without lights	$1297	$216
Child safety restraint	$1311	$223
Cell phone violation	$1362	$227
Driving with expired registration	$1367	$232
Texting while driving	$1367	$228
Driving too slowly	$1376	$234
Failure to stop at a red light	$1376	$229
Failure to yield	$1376	$234
Speeding 6 - 10 MPH over limit	$1376	$229
Speeding in school zone	$1376	$234
Following too closely	$1381	$230
Illegal turn	$1381	$235
Speeding 11 - 15 MPH over limit	$1381	$230
Wrong way/wrong lane	$1381	$235
Improper passing	$1385	$231
Speeding 16 - 20 MPH over limit	$1385	$236
Speeding 21 - 25 MPH over limit	$1413	$236
In 65 MPH zone	$1423	$242
Passing school bus	$1445	$241
Open container	$1483	$252
At-fault accident - less than $1000	$1510	$252
Operating a vehicle without permission	$1622	$276
At-fault accident - $1000-$2000	$1640	$273
At-fault accident - greater than $2000	$1640	$279
Reckless driving	$2062	$344
Refusal to submit to a chemical test	$2090	$356
DUI	$2099	$349
Driving with a suspended license	$2104	$358
Racing	$2113	$352
Leaving scene of an accident/hit and run	$2136	$363

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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 Fort Wright 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 Fort Wright.

The cheapest car insurance premiums in Fort Wright are offered by Cincinnati at $310 for a six-month policy. However, it can be as expensive as $1765 with companies like AutoOwners.

Fort Wright car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$310	$51
Kentucky Farm Bureau	$413	$70
Travelers	$556	$94
Progressive	$676	$114
Shelter	$681	$115
State Farm	$700	$118
USAA	$788	$133
Allstate	$1502	$253
Farm Bureau	$1524	$254
Auto-Owners	$1765	$300

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 Fort Wright are offered by Cincinnati at $139. However, it can be as expensive as $2312 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Wright after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Kentucky Farm Bureau	$167	$28
Auto-Owners Insurance Co	$190	$32
State Farm	$523	$88
Travelers	$566	$95
Shelter	$607	$102
Farm Bureau	$654	$111
Progressive	$760	$128
Auto-Owners	$778	$133
USAA	$936	$156
Allstate	$2312	$393

Car Insurance Price Trends in Fort Wright, Kentucky

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

The average cost of full coverage in the Fort Wright rose by $173 in December compared to $172 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Fort Wright rose to $48 in December, compared to $47 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fort Wright?

The car insurance in Fort Wright is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Wright?

The cheapest car insurance in Fort Wright is $58 per month for full coverage.

How much is car insurance in Fort Wright for teenagers?

Car insurance for teenagers costs $148 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 Fort Wright?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $134 per month to insure your car in Fort Wright.

Is car insurance expensive in Fort Wright?

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

Cheapest Car Insurance Quotes in Fort Wright

Why you can trust Way?

How Much Is Car Insurance in Fort Wright

Avg. Car Insurance in Fort Wright

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Fort Wright

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Fort Wright Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Wright, KY

Way's key takeaways about car insurance in Fort Wright

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Wright

Cheapest Liability Coverage in Fort Wright, KY

Cheapest Full Coverage Car Insurance in Fort Wright

Cheapest Full Coverage Car Insurance Quotes in Fort Wright, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Wright by Rating Factor

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

Car Insurance Premiums by Age in Fort Wright

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Wright,KY

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

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 Fort Wright

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Wright

Fort Wright Car Insurance Rates by Violation

Fort Wright auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Wright after a DUI

Fort Wright car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Wright after Speeding ticket

Car Insurance Price Trends in Fort Wright, Kentucky

Average Car Insurance Cost in Fort Wright by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Wright, KY

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

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