Cheapest Car Insurance Quotes in Highland Heights

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Highland Heights Car Insurance

^$ 19

/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 Highland Heights

The car insurance rate in Highland Heights is $777 for a six-month policy, which is $245 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $330, making it a popular choice for budget-conscious drivers. Rates in Highland Heights 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 Highland Heights

$777

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Highland Heights

1st place: AutoOwners Insurance Co

At $330 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 $361 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 $474 for six months, making it the third cheapest auto insurance company in Highland Heights.

Highland Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highland Heights, KY is AutoOwners Insurance Co, offering policies at just $330 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $361.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $903 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highland Heights drivers find the best deals.

Cheap Car Insurance Companies in Highland Heights, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$56
Cincinnati	$361	$60
Kentucky Farm Bureau	$474	$80
Travelers	$619	$104
Farm Bureau	$637	$108
Shelter	$695	$117
Auto-Owners	$745	$127
Nationwide	$749	$126
USAA	$758	$128
State Farm	$844	$142
Electric	$876	$149
Progressive	$975	$164
Allstate	$1914	$322
Grange	$903	$150

Key Takeaways

Way's key takeaways about car insurance in Highland Heights

The auto insurance costs in Highland Heights fall around $330 for six months.
The cheapest auto insurance company in Highland Heights is Cincinnati.
Teen drivers pay the highest rate in Highland Heights at $1059 per month.

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Cheapest Minimum Liability Car Insurance in Highland Heights

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 Highland Heights are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Highland Heights. Their Average 6 Month Premium is $113. Allstate is the most expensive at $790 for the same period.

Cheapest Liability Coverage in Highland Heights, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$113	$19
Auto-Owners Insurance Co	$154	$26
Kentucky Farm Bureau	$172	$29
Electric	$185	$31
Nationwide	$217	$36
USAA	$226	$38
Farm Bureau	$235	$40
Travelers	$244	$41
Westfield	$253	$42
State Farm	$262	$44
Progressive	$289	$49
Shelter	$307	$52
Auto-Owners	$339	$56
Allstate	$790	$133

Cheapest Full Coverage Car Insurance in Highland Heights

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 Highland Heights is AutoOwners Insurance Co at $56 per month and $330 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highland Heights, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$56
Cincinnati	$361	$60
Kentucky Farm Bureau	$474	$80
Travelers	$619	$104
Farm Bureau	$637	$108
Shelter	$695	$117
Auto-Owners	$745	$127
Nationwide	$749	$126
USAA	$758	$128
State Farm	$844	$142
Electric	$876	$149
Progressive	$975	$164
Allstate	$1914	$322
Grange	$903	$150

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Average Car Insurance in Highland Heights 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 Highland Heights, KY increasing?

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

Car Insurance Premiums by Age in Highland Heights

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	$752
30s	Auto-Owners	$570
40s	Auto-Owners	$557
50s	Auto-Owners	$532
60s	USAA	$553
70s	State Farm	$616

Cheapest Car Insurance Rates for Teen Drivers in Highland Heights,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Highland Heights at $24 per month. At $6293 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$144	$24
Auto-Owners Insurance Co	$217	$36
Kentucky Farm Bureau	$722	$122
Travelers	$975	$164
Farm Bureau	$993	$167
USAA	$1142	$192
Shelter	$1431	$241
State Farm	$1620	$273
Auto-Owners	$2257	$376
Progressive	$3025	$509
Allstate	$6293	$1059

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 Highland Heights.

As young drivers face the highest rates in Highland Heights, USAA offers the cheapest auto insurance rates at $752 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 Highland Heights, Cincinnati is the cheapest car insurance provider. At $194 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 Highland Heights is Allstate, offering rates of around $4099 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$194	$33
Nationwide	$289	$49
Travelers	$812	$137
Progressive	$930	$157
USAA	$1494	$249
Farm Bureau	$1946	$331
Auto-Owners	$2158	$359
Shelter	$2212	$376
State Farm	$2939	$489
Allstate	$4099	$697

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Car Insurance Rates with An Accident in Highland Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Highland Heights

The cheapest car insurance companies after an at-fault accident in Highland Heights include AutoOwners Insurance Co and Electric, offering $230 and $230, respectively. Allstate is an expensive provider with an average six-month premium of $3318.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$230	$38
Electric	$230	$40
Cincinnati	$244	$40
Kentucky Farm Bureau	$334	$56
Farm Bureau	$474	$80
Travelers	$582	$98
State Farm	$605	$102
Shelter	$668	$112
USAA	$695	$117
Auto-Owners	$1024	$174
Progressive	$1147	$193
Allstate	$3318	$559

Highland Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highland Heights KY. For example, the car insurance in Highland Heights after a DUI increases to $944 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Highland Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1101	$184
One Med/PIP claim	$1110	$188
Two Med/PIP claims	$1156	$192
Not-at-fault accident	$1187	$202
One comp claim	$1205	$201
Failure to wear a seat belt	$1219	$207
Failure to show documents	$1259	$210
Two comp claims	$1259	$214
Driving without lights	$1264	$211
Child safety restraint	$1278	$217
Cell phone violation	$1327	$221
Driving with expired registration	$1332	$226
Texting while driving	$1332	$222
Driving too slowly	$1341	$228
Failure to stop at a red light	$1341	$223
Failure to yield	$1341	$228
Speeding 6 - 10 MPH over limit	$1341	$223
Speeding in school zone	$1341	$228
Following too closely	$1345	$224
Illegal turn	$1345	$229
Speeding 11 - 15 MPH over limit	$1345	$224
Wrong way/wrong lane	$1345	$229
Improper passing	$1350	$225
Speeding 16 - 20 MPH over limit	$1350	$230
Speeding 21 - 25 MPH over limit	$1377	$230
In 65 MPH zone	$1386	$236
Passing school bus	$1408	$235
Open container	$1445	$245
At-fault accident - less than $1000	$1471	$245
Operating a vehicle without permission	$1580	$269
At-fault accident - $1000-$2000	$1598	$266
At-fault accident - greater than $2000	$1598	$272
Reckless driving	$2009	$335
Refusal to submit to a chemical test	$2036	$347
DUI	$2045	$340
Driving with a suspended license	$2050	$349
Racing	$2059	$343
Leaving scene of an accident/hit and run	$2081	$354

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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 Highland Heights 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 Highland Heights.

The cheapest car insurance premiums in Highland Heights are offered by Cincinnati at $302 for a six-month policy. However, it can be as expensive as $1720 with companies like AutoOwners.

Highland Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$302	$50
Kentucky Farm Bureau	$402	$68
Travelers	$542	$91
Progressive	$659	$111
Shelter	$663	$112
State Farm	$682	$115
USAA	$768	$129
Allstate	$1463	$246
Farm Bureau	$1485	$248
Auto-Owners	$1720	$293

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 Highland Heights are offered by Cincinnati at $135. However, it can be as expensive as $2253 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Highland Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$135	$23
Kentucky Farm Bureau	$163	$27
Auto-Owners Insurance Co	$185	$31
State Farm	$510	$86
Travelers	$551	$93
Shelter	$591	$100
Farm Bureau	$637	$108
Progressive	$740	$125
Auto-Owners	$758	$129
USAA	$912	$152
Allstate	$2253	$383

Car Insurance Price Trends in Highland Heights, Kentucky

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

The average cost of full coverage in the Highland Heights rose by $169 in December compared to $167 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 Highland Heights rose to $47 in December, compared to $46 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Highland Heights?

The car insurance in Highland Heights is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Highland Heights?

The cheapest car insurance in Highland Heights is $56 per month for full coverage.

How much is car insurance in Highland Heights for teenagers?

Car insurance for teenagers costs $144 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 Highland Heights?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $131 per month to insure your car in Highland Heights.

Is car insurance expensive in Highland Heights?

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

Cheapest Car Insurance Quotes in Highland Heights

Why you can trust Way?

How Much Is Car Insurance in Highland Heights

Avg. Car Insurance in Highland Heights

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Highland Heights

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Highland Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Highland Heights, KY

Way's key takeaways about car insurance in Highland Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Highland Heights

Cheapest Liability Coverage in Highland Heights, KY

Cheapest Full Coverage Car Insurance in Highland Heights

Cheapest Full Coverage Car Insurance Quotes in Highland Heights, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Highland Heights by Rating Factor

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

Car Insurance Premiums by Age in Highland Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Highland Heights,KY

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

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 Highland Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Highland Heights

Highland Heights Car Insurance Rates by Violation

Highland Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Highland Heights after a DUI

Highland Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Highland Heights after Speeding ticket

Car Insurance Price Trends in Highland Heights, Kentucky

Average Car Insurance Cost in Highland Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Highland Heights, KY

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

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