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Finding the cheapest car insurance quotes in Kirksey 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 Kirksey
The car insurance rate in Kirksey is $869 for a six-month policy, which is $153 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, making it a popular choice for budget-conscious drivers. Rates in Kirksey 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 $369 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 $404 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 $530
for six months, making it
the third cheapest auto insurance company in Kirksey.
Kirksey Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kirksey, KY is AutoOwners Insurance Co, offering policies at just $369 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $404.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kirksey drivers find the best deals.
Way's key takeaways about car insurance in Kirksey
The auto insurance costs in Kirksey fall around $369 for six
months.
The cheapest auto insurance company in Kirksey is Cincinnati.
Teen drivers pay the highest rate in Kirksey at $1185 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 Kirksey
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 Kirksey are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Kirksey. Their Average 6 Month Premium is $127.
Allstate is the most
expensive at $884 for the same
period.
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 Kirksey is AutoOwners Insurance Co
at $63 per month and $369
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kirksey,
KY
Get Your Car Insurance Quote in Kirksey
Instantly!
Average Car Insurance in Kirksey 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 Kirksey, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kirksey, 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, Kirksey's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kirksey
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
$841
30s
Auto-Owners
$638
40s
Auto-Owners
$623
50s
Auto-Owners
$595
60s
USAA
$619
70s
State Farm
$689
Cheapest Car Insurance Rates for Teen Drivers in
Kirksey,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Kirksey at $27
per
month. At $7038 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 Kirksey.
As young drivers face the highest rates in Kirksey, USAA
offers the cheapest auto insurance rates at $841 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 Kirksey,
Cincinnati is
the cheapest car insurance provider. At $217 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
Kirksey is Allstate, offering
rates of around $4585 for six
months.
Save up to $971/yr on car insurance rates in Kirksey.
Car Insurance Rates with An Accident in Kirksey
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 Kirksey, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kirksey
The cheapest car insurance companies after an at-fault accident in
Kirksey include AutoOwners Insurance Co
and Electric, offering $258
and $258,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3711.
Here is a list of driving violations that can increase your car
insurance rates in Kirksey KY. For example, the car
insurance in Kirksey
after a DUI increases to $1055 for a six
month policy. While the rate increases by $267 for a six-month policy in the case of
a speeding ticket.
Kirksey auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1232
$206
One Med/PIP claim
$1242
$211
Two Med/PIP claims
$1293
$215
Not-at-fault accident
$1328
$226
One comp claim
$1348
$224
Failure to wear a seat belt
$1363
$232
Failure to show documents
$1408
$235
Two comp claims
$1408
$240
Driving without lights
$1414
$235
Child safety restraint
$1429
$243
Cell phone violation
$1484
$247
Driving with expired registration
$1489
$253
Texting while driving
$1489
$248
Driving too slowly
$1499
$255
Failure to stop at a red light
$1499
$250
Failure to yield
$1499
$255
Speeding 6 - 10 MPH over limit
$1499
$250
Speeding in school zone
$1499
$255
Following too closely
$1505
$251
Illegal turn
$1505
$256
Speeding 11 - 15 MPH over limit
$1505
$251
Wrong way/wrong lane
$1505
$256
Improper passing
$1510
$252
Speeding 16 - 20 MPH over limit
$1510
$257
Speeding 21 - 25 MPH over limit
$1540
$257
In 65 MPH zone
$1550
$264
Passing school bus
$1575
$263
Open container
$1616
$275
At-fault accident - less than $1000
$1646
$275
Operating a vehicle without permission
$1767
$301
At-fault accident - $1000-$2000
$1788
$298
At-fault accident - greater than $2000
$1788
$304
Reckless driving
$2247
$375
Refusal to submit to a chemical test
$2277
$388
DUI
$2287
$381
Driving with a suspended license
$2292
$390
Racing
$2303
$383
Leaving scene of an accident/hit and run
$2327
$396
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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 Kirksey 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 Kirksey.
The cheapest car insurance premiums in
Kirksey are
offered by Cincinnati at $338 for a six-month policy.
However, it can be as
expensive as $1924 with companies
like AutoOwners.
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 Kirksey are offered by Cincinnati
at $151. However,
it can be as expensive as $2519
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Kirksey after Speeding ticket
Car insurance rates in Kirksey have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kirksey rose by
$189 in December
compared to $187 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 Kirksey rose to $53 in December,
compared to $51 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kirksey. At $1737 for a
six-month policy, insuring
your car at 42054 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 Kirksey?
The car insurance in Kirksey is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Kirksey?
The cheapest car insurance in Kirksey
is $63 per month
for full coverage.
How much is car insurance in Kirksey for teenagers?
Car insurance for teenagers costs $162 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
Kirksey?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $146 per month to insure your
car in Kirksey.
Is car insurance expensive in Kirksey?
Car insurance can be expensive in Kirksey if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kirksey can be
affordable.
What is the best car insurance in Kirksey,
KY?
The best car insurance company in Kirksey
KY is
AutoOwners Insurance Co, offering $369 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Kirksey, KY
Car Insurance Rates by State in the USA (2025 Update)
Kirksey Car Insurance
