Cheapest Car Insurance Quotes in Grand Rivers

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Grand Rivers Car Insurance

^$ 26

/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 Grand Rivers

The car insurance rate in Grand Rivers is $1112 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Grand Rivers 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 Grand Rivers

$1112

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Grand Rivers

1st place: AutoOwners Insurance Co

At $443 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 $485 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 $636 for six months, making it the third cheapest auto insurance company in Grand Rivers.

Grand Rivers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Rivers, KY is AutoOwners Insurance Co, offering policies at just $443 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $485.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2593 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Rivers drivers find the best deals.

Cheap Car Insurance Companies in Grand Rivers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$73
Cincinnati	$485	$83
Kentucky Farm Bureau	$636	$107
Travelers	$860	$145
Shelter	$963	$162
USAA	$993	$167
Auto-Owners	$1175	$196
Electric	$1175	$200
State Farm	$1175	$198
Farm Bureau	$1236	$210
Progressive	$1309	$220
Nationwide	$1412	$238
Allstate	$2593	$432

Key Takeaways

Way's key takeaways about car insurance in Grand Rivers

The auto insurance costs in Grand Rivers fall around $443 for six months.
The cheapest auto insurance company in Grand Rivers is Cincinnati.
Teen drivers pay the highest rate in Grand Rivers at $1304 per month.

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Cheapest Minimum Liability Car Insurance in Grand Rivers

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 Grand Rivers are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Grand Rivers. Their Average 6 Month Premium is $152. Allstate is the most expensive at $969 for the same period.

Cheapest Liability Coverage in Grand Rivers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$152	$26
Auto-Owners Insurance Co	$206	$35
Kentucky Farm Bureau	$231	$39
Electric	$249	$42
USAA	$303	$51
Travelers	$321	$54
Westfield	$340	$58
Farm Bureau	$357	$60
State Farm	$369	$62
Progressive	$406	$68
Shelter	$418	$70
Auto-Owners	$485	$81
Nationwide	$575	$97
Allstate	$969	$161

Cheapest Full Coverage Car Insurance in Grand Rivers

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 Grand Rivers is AutoOwners Insurance Co at $73 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Rivers, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$73
Cincinnati	$485	$83
Kentucky Farm Bureau	$636	$107
Travelers	$860	$145
Shelter	$963	$162
USAA	$993	$167
Auto-Owners	$1175	$196
Electric	$1175	$200
State Farm	$1175	$198
Farm Bureau	$1236	$210
Progressive	$1309	$220
Nationwide	$1412	$238
Allstate	$2593	$432

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Average Car Insurance in Grand Rivers 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 Grand Rivers, KY increasing?

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

Car Insurance Premiums by Age in Grand Rivers

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	$973
30s	Auto-Owners	$737
40s	Auto-Owners	$721
50s	Auto-Owners	$689
60s	USAA	$716
70s	State Farm	$798

Cheapest Car Insurance Rates for Teen Drivers in Grand Rivers,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Grand Rivers at $33 per month. At $7822 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$194	$33
Auto-Owners Insurance Co	$291	$49
Kentucky Farm Bureau	$969	$163
Travelers	$1406	$237
USAA	$1648	$277
Farm Bureau	$1867	$314
Shelter	$2011	$339
State Farm	$2278	$384
Auto-Owners	$3186	$542
Progressive	$3992	$672
Nationwide	$7798	$1326
Allstate	$7822	$1304

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 Grand Rivers.

As young drivers face the highest rates in Grand Rivers, USAA offers the cheapest auto insurance rates at $973 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 Grand Rivers, Cincinnati is the cheapest car insurance provider. At $260 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 Grand Rivers is Allstate, offering rates of around $5502 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$260	$44
Travelers	$1181	$199
Progressive	$1218	$205
USAA	$1515	$258
Nationwide	$1915	$322
Shelter	$3242	$551
Auto-Owners	$3314	$553
Farm Bureau	$3781	$643
State Farm	$5016	$836
Allstate	$5502	$935

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Car Insurance Rates with An Accident in Grand Rivers

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 Grand Rivers, KY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Rivers

The cheapest car insurance companies after an at-fault accident in Grand Rivers include AutoOwners Insurance Co and Electric, offering $309 and $309, respectively. Allstate is an expensive provider with an average six-month premium of $3860.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$51
Electric	$309	$53
Cincinnati	$327	$54
Farm Bureau	$412	$70
Kentucky Farm Bureau	$449	$75
Travelers	$824	$139
State Farm	$843	$142
USAA	$903	$152
Shelter	$927	$156
Progressive	$1575	$265
Auto-Owners	$1636	$272
Nationwide	$3375	$574
Allstate	$3860	$644

Grand Rivers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Rivers KY. For example, the car insurance in Grand Rivers after a DUI increases to $1267 for a six month policy. While the rate increases by $321 for a six-month policy in the case of a speeding ticket.

Grand Rivers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1478	$247
One Med/PIP claim	$1490	$253
Two Med/PIP claims	$1551	$258
Not-at-fault accident	$1593	$271
One comp claim	$1618	$269
Failure to wear a seat belt	$1636	$278
Failure to show documents	$1690	$282
Two comp claims	$1690	$288
Driving without lights	$1696	$283
Child safety restraint	$1715	$292
Cell phone violation	$1781	$297
Driving with expired registration	$1787	$304
Texting while driving	$1787	$298
Driving too slowly	$1799	$306
Failure to stop at a red light	$1799	$300
Failure to yield	$1799	$306
Speeding 6 - 10 MPH over limit	$1799	$300
Speeding in school zone	$1799	$306
Following too closely	$1805	$301
Illegal turn	$1805	$307
Speeding 11 - 15 MPH over limit	$1805	$301
Wrong way/wrong lane	$1805	$307
Improper passing	$1812	$302
Speeding 16 - 20 MPH over limit	$1812	$308
Speeding 21 - 25 MPH over limit	$1848	$308
In 65 MPH zone	$1860	$316
Passing school bus	$1890	$315
Open container	$1939	$329
At-fault accident - less than $1000	$1975	$329
Operating a vehicle without permission	$2121	$361
At-fault accident - $1000-$2000	$2145	$357
At-fault accident - greater than $2000	$2145	$365
Reckless driving	$2696	$450
Refusal to submit to a chemical test	$2733	$465
DUI	$2745	$457
Driving with a suspended license	$2751	$468
Racing	$2763	$460
Leaving scene of an accident/hit and run	$2793	$475

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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 Grand Rivers 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 Grand Rivers.

The cheapest car insurance premiums in Grand Rivers are offered by Cincinnati at $406 for a six-month policy. However, it can be as expensive as $4393 with companies like Nationwide.

Grand Rivers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$406	$69
Allstate	$527	$88
Kentucky Farm Bureau	$540	$92
Travelers	$781	$132
Progressive	$866	$146
Shelter	$933	$157
State Farm	$981	$165
USAA	$1139	$192
Auto-Owners	$2696	$458
Farm Bureau	$2926	$488
Nationwide	$4393	$747

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 Grand Rivers are offered by Cincinnati at $182. However, it can be as expensive as $3023 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grand Rivers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Kentucky Farm Bureau	$218	$37
Auto-Owners Insurance Co	$249	$42
State Farm	$758	$128
Travelers	$812	$137
Shelter	$849	$143
Progressive	$1066	$180
USAA	$1109	$189
Auto-Owners	$1230	$205
Farm Bureau	$1236	$210
Nationwide	$2217	$369
Allstate	$3023	$514

Car Insurance Price Trends in Grand Rivers, Kentucky

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

The average cost of full coverage in the Grand Rivers rose by $231 in January compared to $226 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Grand Rivers dipped to $62 in January, compared to $63 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 Grand Rivers?

The car insurance in Grand Rivers is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Grand Rivers?

The cheapest car insurance in Grand Rivers is $73 per month for full coverage.

How much is car insurance in Grand Rivers for teenagers?

Car insurance for teenagers costs $194 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 Grand Rivers?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $187 per month to insure your car in Grand Rivers.

Is car insurance expensive in Grand Rivers?

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

Cheapest Car Insurance Quotes in Grand Rivers

Why you can trust Way?

How Much Is Car Insurance in Grand Rivers

Avg. Car Insurance in Grand Rivers

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Grand Rivers

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Grand Rivers Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Rivers, KY

Way's key takeaways about car insurance in Grand Rivers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grand Rivers

Cheapest Liability Coverage in Grand Rivers, KY

Cheapest Full Coverage Car Insurance in Grand Rivers

Cheapest Full Coverage Car Insurance Quotes in Grand Rivers, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grand Rivers by Rating Factor

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

Car Insurance Premiums by Age in Grand Rivers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grand Rivers,KY

If you are in your twenties USAA is the best choice for car insurance in Grand Rivers.

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 Grand Rivers

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Rivers

Grand Rivers Car Insurance Rates by Violation

Grand Rivers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grand Rivers after a DUI

Grand Rivers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grand Rivers after Speeding ticket

Car Insurance Price Trends in Grand Rivers, Kentucky

Average Car Insurance Cost in Grand Rivers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grand Rivers, KY

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

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