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Finding the cheapest car insurance quotes in Goose Rock 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 Goose Rock
The car insurance rate in Goose Rock is $1537 for a six-month policy, which is $447 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $612, making it a popular choice for budget-conscious drivers. Rates in Goose Rock 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 $612 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 $670 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 $880
for six months, making it
the third cheapest auto insurance company in Goose Rock.
Goose Rock Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Goose Rock, KY is AutoOwners Insurance Co, offering policies at just $612 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $670.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3584 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Goose Rock drivers find the best deals.
Way's key takeaways about car insurance in Goose Rock
The auto insurance costs in Goose Rock fall around $612 for six
months.
The cheapest auto insurance company in Goose Rock is Cincinnati.
Teen drivers pay the highest rate in Goose Rock at $1802 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 Goose Rock
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 Goose Rock are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Goose Rock. Their Average 6 Month Premium is $210.
Allstate is the most
expensive at $1340 for the same
period.
Cheapest Full Coverage Car Insurance in Goose Rock
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 Goose Rock is AutoOwners Insurance Co
at $102 per month and $612
for six months.
Cheapest Full Coverage Car Insurance Quotes in Goose Rock,
KY
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Average Car Insurance in Goose Rock 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 Goose Rock, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Goose Rock, 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, Goose Rock's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Goose Rock
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
$1345
30s
Auto-Owners
$1019
40s
Auto-Owners
$997
50s
Auto-Owners
$952
60s
USAA
$990
70s
State Farm
$1103
Cheapest Car Insurance Rates for Teen Drivers in
Goose Rock,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Goose Rock at $45
per
month. At $10813 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 Goose Rock.
As young drivers face the highest rates in Goose Rock, USAA
offers the cheapest auto insurance rates at $1345 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 Goose Rock,
Cincinnati is
the cheapest car insurance provider. At $360 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
Goose Rock is Allstate, offering
rates of around $7606 for six
months.
Save up to $971/yr on car insurance rates in Goose Rock.
Car Insurance Rates with An Accident in Goose Rock
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 Goose Rock, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Goose Rock
The cheapest car insurance companies after an at-fault accident in
Goose Rock include AutoOwners Insurance Co
and Electric, offering $427
and $427,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5335.
Here is a list of driving violations that can increase your car
insurance rates in Goose Rock KY. For example, the car
insurance in Goose Rock
after a DUI increases to $1751 for a six
month policy. While the rate increases by $444 for a six-month policy in the case of
a speeding ticket.
Goose Rock auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2043
$341
One Med/PIP claim
$2060
$350
Two Med/PIP claims
$2145
$357
Not-at-fault accident
$2202
$375
One comp claim
$2236
$372
Failure to wear a seat belt
$2262
$385
Failure to show documents
$2336
$389
Two comp claims
$2336
$398
Driving without lights
$2345
$391
Child safety restraint
$2370
$403
Cell phone violation
$2462
$410
Driving with expired registration
$2470
$420
Texting while driving
$2470
$412
Driving too slowly
$2487
$423
Failure to stop at a red light
$2487
$415
Failure to yield
$2487
$423
Speeding 6 - 10 MPH over limit
$2487
$415
Speeding in school zone
$2487
$423
Following too closely
$2496
$416
Illegal turn
$2496
$424
Speeding 11 - 15 MPH over limit
$2496
$416
Wrong way/wrong lane
$2496
$424
Improper passing
$2504
$417
Speeding 16 - 20 MPH over limit
$2504
$426
Speeding 21 - 25 MPH over limit
$2555
$426
In 65 MPH zone
$2572
$437
Passing school bus
$2613
$436
Open container
$2680
$455
At-fault accident - less than $1000
$2730
$455
Operating a vehicle without permission
$2931
$499
At-fault accident - $1000-$2000
$2965
$494
At-fault accident - greater than $2000
$2965
$505
Reckless driving
$3727
$622
Refusal to submit to a chemical test
$3777
$643
DUI
$3794
$632
Driving with a suspended license
$3803
$647
Racing
$3820
$636
Leaving scene of an accident/hit and run
$3861
$657
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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 Goose Rock 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 Goose Rock.
The cheapest car insurance premiums in
Goose Rock are
offered by Cincinnati at $561 for a six-month policy.
However, it can be as
expensive as $6073 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 Goose Rock are offered by Cincinnati
at $251. However,
it can be as expensive as $4179
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Goose Rock after Speeding ticket
Car Insurance Price Trends in Goose Rock,
Kentucky
Car insurance rates in Goose Rock have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Goose Rock rose by
$319 in January
compared to $313 of December. In other words, there has been an increase by $6 when you
compare January and December.
The average cost of liability insurance in the Goose Rock dipped to $86 in January,
compared to $87 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in Goose Rock 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
Goose Rock. At $N/A for a
six-month policy, insuring
your car at N/A 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 Goose Rock?
The car insurance in Goose Rock is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Goose Rock?
The cheapest car insurance in Goose Rock
is $102 per month
for full coverage.
How much is car insurance in Goose Rock for teenagers?
Car insurance for teenagers costs $268 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
Goose Rock?
The average cost of car insurance is $1090 for a six-month
policy. It will cost around $258 per month to insure your
car in Goose Rock.
Is car insurance expensive in Goose Rock?
Car insurance can be expensive in Goose Rock if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Goose Rock can be
affordable.
What is the best car insurance in Goose Rock,
KY?
The best car insurance company in Goose Rock
KY is
AutoOwners Insurance Co, offering $612 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Goose Rock, KY
Car Insurance Rates by State in the USA (2025 Update)
Goose Rock Car Insurance
