Cheapest Car Insurance Quotes in Heritage Creek

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Heritage Creek 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 Heritage Creek

The car insurance rate in Heritage Creek is $1042 for a six-month policy, which is $20 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 Heritage Creek 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 Heritage Creek

$1042

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Heritage Creek

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 Heritage Creek.

Heritage Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heritage Creek, 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, Grange is the most expensive, with rates reaching $1212 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heritage Creek drivers find the best deals.

Cheap Car Insurance Companies in Heritage Creek, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Cincinnati	$485	$81
Kentucky Farm Bureau	$636	$107
Travelers	$830	$140
Farm Bureau	$855	$145
Shelter	$933	$157
Auto-Owners	$1000	$170
Nationwide	$1006	$169
USAA	$1018	$171
State Farm	$1133	$191
Electric	$1175	$200
Progressive	$1309	$220
Allstate	$2569	$432
Grange	$1212	$202

Key Takeaways

Way's key takeaways about car insurance in Heritage Creek

The auto insurance costs in Heritage Creek fall around $443 for six months.
The cheapest auto insurance company in Heritage Creek is Cincinnati.
Teen drivers pay the highest rate in Heritage Creek at $1422 per month.

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

Cheapest Minimum Liability Car Insurance in Heritage Creek

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 Heritage Creek are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Heritage Creek. Their Average 6 Month Premium is $152. Allstate is the most expensive at $1061 for the same period.

Cheapest Liability Coverage in Heritage Creek, 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
Nationwide	$291	$49
USAA	$303	$51
Farm Bureau	$315	$53
Travelers	$327	$55
Westfield	$340	$56
State Farm	$352	$59
Progressive	$388	$65
Shelter	$412	$69
Auto-Owners	$455	$75
Allstate	$1061	$179

Cheapest Full Coverage Car Insurance in Heritage Creek

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 Heritage Creek is AutoOwners Insurance Co at $75 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heritage Creek, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Cincinnati	$485	$81
Kentucky Farm Bureau	$636	$107
Travelers	$830	$140
Farm Bureau	$855	$145
Shelter	$933	$157
Auto-Owners	$1000	$170
Nationwide	$1006	$169
USAA	$1018	$171
State Farm	$1133	$191
Electric	$1175	$200
Progressive	$1309	$220
Allstate	$2569	$432
Grange	$1212	$202

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Average Car Insurance in Heritage Creek 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 Heritage Creek, KY increasing?

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

Car Insurance Premiums by Age in Heritage Creek

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	$1009
30s	Auto-Owners	$765
40s	Auto-Owners	$748
50s	Auto-Owners	$714
60s	USAA	$743
70s	State Farm	$827

Cheapest Car Insurance Rates for Teen Drivers in Heritage Creek,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Heritage Creek at $33 per month. At $8446 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	$1309	$220
Farm Bureau	$1333	$224
USAA	$1533	$258
Shelter	$1921	$323
State Farm	$2175	$366
Auto-Owners	$3029	$505
Progressive	$4060	$683
Allstate	$8446	$1422

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 Heritage Creek.

As young drivers face the highest rates in Heritage Creek, USAA offers the cheapest auto insurance rates at $1009 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 Heritage Creek, 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 Heritage Creek is Allstate, offering rates of around $5502 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$260	$44
Nationwide	$388	$66
Travelers	$1090	$184
Progressive	$1248	$210
USAA	$2005	$335
Farm Bureau	$2611	$444
Auto-Owners	$2896	$482
Shelter	$2969	$505
State Farm	$3944	$657
Allstate	$5502	$935

Escape the Trap of Rising Insurance Costs.

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Car Insurance Rates with An Accident in Heritage Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Heritage Creek

The cheapest car insurance companies after an at-fault accident in Heritage Creek include AutoOwners Insurance Co and Electric, offering $309 and $309, respectively. Allstate is an expensive provider with an average six-month premium of $4453.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$51
Electric	$309	$53
Cincinnati	$327	$54
Kentucky Farm Bureau	$449	$75
Farm Bureau	$636	$107
Travelers	$781	$132
State Farm	$812	$137
Shelter	$897	$151
USAA	$933	$157
Auto-Owners	$1375	$234
Progressive	$1539	$259
Allstate	$4453	$750

Heritage Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heritage Creek KY. For example, the car insurance in Heritage Creek 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.

Heritage Creek 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 Heritage Creek 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 Heritage Creek.

The cheapest car insurance premiums in Heritage Creek are offered by Cincinnati at $406 for a six-month policy. However, it can be as expensive as $2308 with companies like AutoOwners.

Heritage Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$406	$67
Kentucky Farm Bureau	$540	$92
Travelers	$727	$122
Progressive	$884	$149
Shelter	$890	$150
State Farm	$915	$154
USAA	$1030	$173
Allstate	$1964	$330
Farm Bureau	$1993	$333
Auto-Owners	$2308	$393

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 Heritage Creek 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 Heritage Creek 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	$684	$115
Travelers	$740	$124
Shelter	$794	$134
Farm Bureau	$855	$145
Progressive	$993	$167
Auto-Owners	$1018	$173
USAA	$1224	$204
Allstate	$3023	$514

Car Insurance Price Trends in Heritage Creek, Kentucky

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

The average cost of full coverage in the Heritage Creek rose by $226 in December compared to $224 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Heritage Creek rose to $63 in December, compared to $61 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Heritage Creek?

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

What is the cheapest car insurance in Heritage Creek?

The cheapest car insurance in Heritage Creek is $75 per month for full coverage.

How much is car insurance in Heritage Creek 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 Heritage Creek?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $175 per month to insure your car in Heritage Creek.

Is car insurance expensive in Heritage Creek?

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

Cheapest Car Insurance Quotes in Heritage Creek

Why you can trust Way?

How Much Is Car Insurance in Heritage Creek

Avg. Car Insurance in Heritage Creek

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Heritage Creek

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Heritage Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Heritage Creek, KY

Way's key takeaways about car insurance in Heritage Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Heritage Creek

Cheapest Liability Coverage in Heritage Creek, KY

Cheapest Full Coverage Car Insurance in Heritage Creek

Cheapest Full Coverage Car Insurance Quotes in Heritage Creek, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Heritage Creek by Rating Factor

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

Car Insurance Premiums by Age in Heritage Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Heritage Creek,KY

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

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 Heritage Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Heritage Creek

Heritage Creek Car Insurance Rates by Violation

Heritage Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Heritage Creek after a DUI

Heritage Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Heritage Creek after Speeding ticket

Car Insurance Price Trends in Heritage Creek, Kentucky

Average Car Insurance Cost in Heritage Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Heritage Creek, KY

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

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