Cheapest Car Insurance Quotes in Hazard

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Hazard Car Insurance

^$ 33

/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 Hazard

The car insurance rate in Hazard is $1428 for a six-month policy, which is $338 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $569, making it a popular choice for budget-conscious drivers. Rates in Hazard 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 Hazard

$1428

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Hazard

1st place: AutoOwners Insurance Co

At $569 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 $622 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 $817 for six months, making it the third cheapest auto insurance company in Hazard.

Hazard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hazard, KY is AutoOwners Insurance Co, offering policies at just $569 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $622.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3330 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hazard drivers find the best deals.

Cheap Car Insurance Companies in Hazard, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$569	$94
Cincinnati	$622	$106
Kentucky Farm Bureau	$817	$138
Travelers	$1104	$186
Shelter	$1237	$208
USAA	$1276	$215
Auto-Owners	$1509	$252
Electric	$1509	$257
State Farm	$1509	$254
Farm Bureau	$1588	$270
Progressive	$1681	$283
Nationwide	$1813	$305
Allstate	$3330	$555

Key Takeaways

Way's key takeaways about car insurance in Hazard

The auto insurance costs in Hazard fall around $569 for six months.
The cheapest auto insurance company in Hazard is Cincinnati.
Teen drivers pay the highest rate in Hazard at $1674 per month.

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Cheapest Minimum Liability Car Insurance in Hazard

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 Hazard are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Hazard. Their Average 6 Month Premium is $195. Allstate is the most expensive at $1245 for the same period.

Cheapest Liability Coverage in Hazard, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$195	$33
Auto-Owners Insurance Co	$265	$45
Kentucky Farm Bureau	$296	$50
Electric	$320	$54
USAA	$389	$66
Travelers	$413	$69
Westfield	$436	$75
Farm Bureau	$459	$77
State Farm	$474	$80
Progressive	$521	$88
Shelter	$537	$90
Auto-Owners	$622	$103
Nationwide	$739	$124
Allstate	$1245	$207

Cheapest Full Coverage Car Insurance in Hazard

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 Hazard is AutoOwners Insurance Co at $94 per month and $569 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hazard, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$569	$94
Cincinnati	$622	$106
Kentucky Farm Bureau	$817	$138
Travelers	$1104	$186
Shelter	$1237	$208
USAA	$1276	$215
Auto-Owners	$1509	$252
Electric	$1509	$257
State Farm	$1509	$254
Farm Bureau	$1588	$270
Progressive	$1681	$283
Nationwide	$1813	$305
Allstate	$3330	$555

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Average Car Insurance in Hazard 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 Hazard, KY increasing?

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

Car Insurance Premiums by Age in Hazard

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	$1250
30s	Auto-Owners	$947
40s	Auto-Owners	$926
50s	Auto-Owners	$884
60s	USAA	$920
70s	State Farm	$1024

Cheapest Car Insurance Rates for Teen Drivers in Hazard,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Hazard at $42 per month. At $10046 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$249	$42
Auto-Owners Insurance Co	$373	$63
Kentucky Farm Bureau	$1245	$210
Travelers	$1805	$304
USAA	$2117	$356
Farm Bureau	$2397	$403
Shelter	$2583	$435
State Farm	$2925	$493
Auto-Owners	$4092	$696
Progressive	$5127	$863
Nationwide	$10015	$1703
Allstate	$10046	$1674

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 Hazard.

As young drivers face the highest rates in Hazard, USAA offers the cheapest auto insurance rates at $1250 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 Hazard, Cincinnati is the cheapest car insurance provider. At $334 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 Hazard is Allstate, offering rates of around $7066 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$334	$56
Travelers	$1517	$255
Progressive	$1564	$263
USAA	$1945	$331
Nationwide	$2459	$414
Shelter	$4163	$707
Auto-Owners	$4256	$710
Farm Bureau	$4856	$825
State Farm	$6443	$1074
Allstate	$7066	$1201

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Car Insurance Rates with An Accident in Hazard

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hazard

The cheapest car insurance companies after an at-fault accident in Hazard include AutoOwners Insurance Co and Electric, offering $397 and $397, respectively. Allstate is an expensive provider with an average six-month premium of $4957.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$397	$66
Electric	$397	$68
Cincinnati	$421	$69
Farm Bureau	$529	$90
Kentucky Farm Bureau	$576	$97
Travelers	$1058	$178
State Farm	$1082	$182
USAA	$1159	$195
Shelter	$1191	$200
Progressive	$2023	$341
Auto-Owners	$2101	$350
Nationwide	$4335	$738
Allstate	$4957	$827

Hazard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hazard KY. For example, the car insurance in Hazard after a DUI increases to $1627 for a six month policy. While the rate increases by $413 for a six-month policy in the case of a speeding ticket.

Hazard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1898	$317
One Med/PIP claim	$1914	$325
Two Med/PIP claims	$1993	$331
Not-at-fault accident	$2046	$348
One comp claim	$2078	$346
Failure to wear a seat belt	$2101	$358
Failure to show documents	$2171	$362
Two comp claims	$2171	$369
Driving without lights	$2179	$363
Child safety restraint	$2202	$375
Cell phone violation	$2287	$381
Driving with expired registration	$2295	$390
Texting while driving	$2295	$383
Driving too slowly	$2311	$393
Failure to stop at a red light	$2311	$385
Failure to yield	$2311	$393
Speeding 6 - 10 MPH over limit	$2311	$385
Speeding in school zone	$2311	$393
Following too closely	$2319	$386
Illegal turn	$2319	$394
Speeding 11 - 15 MPH over limit	$2319	$386
Wrong way/wrong lane	$2319	$394
Improper passing	$2327	$388
Speeding 16 - 20 MPH over limit	$2327	$396
Speeding 21 - 25 MPH over limit	$2374	$396
In 65 MPH zone	$2389	$406
Passing school bus	$2427	$405
Open container	$2490	$423
At-fault accident - less than $1000	$2536	$423
Operating a vehicle without permission	$2723	$464
At-fault accident - $1000-$2000	$2755	$459
At-fault accident - greater than $2000	$2755	$469
Reckless driving	$3462	$578
Refusal to submit to a chemical test	$3509	$597
DUI	$3525	$587
Driving with a suspended license	$3533	$601
Racing	$3549	$591
Leaving scene of an accident/hit and run	$3587	$610

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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 Hazard 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 Hazard.

The cheapest car insurance premiums in Hazard are offered by Cincinnati at $521 for a six-month policy. However, it can be as expensive as $5642 with companies like Nationwide.

Hazard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$521	$89
Allstate	$677	$113
Kentucky Farm Bureau	$693	$118
Travelers	$1003	$169
Progressive	$1112	$187
Shelter	$1199	$202
State Farm	$1260	$212
USAA	$1463	$246
Auto-Owners	$3462	$588
Farm Bureau	$3758	$626
Nationwide	$5642	$959

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 Hazard are offered by Cincinnati at $233. However, it can be as expensive as $3883 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hazard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$233	$39
Kentucky Farm Bureau	$280	$47
Auto-Owners Insurance Co	$320	$54
State Farm	$973	$164
Travelers	$1043	$176
Shelter	$1090	$183
Progressive	$1369	$231
USAA	$1424	$242
Auto-Owners	$1580	$263
Farm Bureau	$1588	$270
Nationwide	$2848	$474
Allstate	$3883	$660

Car Insurance Price Trends in Hazard, Kentucky

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

The average cost of full coverage in the Hazard rose by $296 in January compared to $291 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 Hazard dipped to $80 in January, compared to $81 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 Hazard?

The car insurance in Hazard is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Hazard?

The cheapest car insurance in Hazard is $94 per month for full coverage.

How much is car insurance in Hazard for teenagers?

Car insurance for teenagers costs $249 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 Hazard?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $240 per month to insure your car in Hazard.

Is car insurance expensive in Hazard?

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

Cheapest Car Insurance Quotes in Hazard

Why you can trust Way?

How Much Is Car Insurance in Hazard

Avg. Car Insurance in Hazard

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Hazard

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Hazard Car Insurance Rates by Company

Cheap Car Insurance Companies in Hazard, KY

Way's key takeaways about car insurance in Hazard

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hazard

Cheapest Liability Coverage in Hazard, KY

Cheapest Full Coverage Car Insurance in Hazard

Cheapest Full Coverage Car Insurance Quotes in Hazard, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hazard by Rating Factor

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

Car Insurance Premiums by Age in Hazard

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hazard,KY

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

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 Hazard

Cheapest Car Insurance Companies after an At-Fault Accident in Hazard

Hazard Car Insurance Rates by Violation

Hazard auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hazard after a DUI

Hazard car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hazard after Speeding ticket

Car Insurance Price Trends in Hazard, Kentucky

Average Car Insurance Cost in Hazard by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hazard, KY

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

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