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Finding the cheapest car insurance quotes in Frenchburg 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.
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 Frenchburg
The car insurance rate in Frenchburg 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 Frenchburg 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.
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 Frenchburg.
Frenchburg Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Frenchburg, 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 Frenchburg drivers find the best deals.
Way's key takeaways about car insurance in Frenchburg
The auto insurance costs in Frenchburg fall around $464 for six
months.
The cheapest auto insurance company in Frenchburg is Cincinnati.
Teen drivers pay the highest rate in Frenchburg at $1367 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 Frenchburg
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 Frenchburg are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Frenchburg. Their Average 6 Month Premium is $159.
Allstate is the most
expensive at $1017 for the same
period.
Cheapest Full Coverage Car Insurance in Frenchburg
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 Frenchburg is AutoOwners Insurance Co
at $77 per month and $464
for six months.
Cheapest Full Coverage Car Insurance Quotes in Frenchburg,
KY
Get Your Car Insurance Quote in Frenchburg
Instantly!
Average Car Insurance in Frenchburg 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 Frenchburg, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Frenchburg, 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, Frenchburg's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Frenchburg
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
Frenchburg,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Frenchburg at $34
per
month. At $8206 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Frenchburg.
As young drivers face the highest rates in Frenchburg, 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 Frenchburg,
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
Frenchburg is Allstate, offering
rates of around $5772 for six
months.
Save up to $971/yr on car insurance rates in Frenchburg.
Car Insurance Rates with An Accident in Frenchburg
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 Frenchburg, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Frenchburg
The cheapest car insurance companies after an at-fault accident in
Frenchburg include AutoOwners Insurance Co
and Electric, offering $324
and $324,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4049.
Here is a list of driving violations that can increase your car
insurance rates in Frenchburg KY. For example, the car
insurance in Frenchburg
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.
Frenchburg 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 Frenchburg 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 Frenchburg.
The cheapest car insurance premiums in
Frenchburg are
offered by Cincinnati at $426 for a six-month policy.
However, it can be as
expensive as $4608 with companies
like Nationwide.
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 Frenchburg 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 Frenchburg after Speeding ticket
Car Insurance Price Trends in Frenchburg,
Kentucky
Car insurance rates in Frenchburg have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Frenchburg 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 Frenchburg dipped to $65 in January,
compared to $66 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in Frenchburg by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Frenchburg. At $2332 for a
six-month policy, insuring
your car at 40322 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Frenchburg?
The car insurance in Frenchburg is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Frenchburg?
The cheapest car insurance in Frenchburg
is $77 per month
for full coverage.
How much is car insurance in Frenchburg 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
Frenchburg?
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 Frenchburg.
Is car insurance expensive in Frenchburg?
Car insurance can be expensive in Frenchburg if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Frenchburg can be
affordable.
What is the best car insurance in Frenchburg,
KY?
The best car insurance company in Frenchburg
KY is
AutoOwners Insurance Co, offering $464 for a
six-month policy.
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Frenchburg Car Insurance
