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Finding the cheapest car insurance quotes in Lovely 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 Lovely
The car insurance rate in Lovely is $1308 for a six-month policy, which is $286 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $556, making it a popular choice for budget-conscious drivers. Rates in Lovely 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 $556 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 $608 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 $799
for six months, making it
the third cheapest auto insurance company in Lovely.
Lovely Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lovely, KY is AutoOwners Insurance Co, offering policies at just $556 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $608.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lovely drivers find the best deals.
The auto insurance costs in Lovely fall around $556 for six
months.
The cheapest auto insurance company in Lovely is Cincinnati.
Teen drivers pay the highest rate in Lovely at $1784 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 Lovely
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 Lovely are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Lovely. Their Average 6 Month Premium is $191.
Allstate is the most
expensive at $1331 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 Lovely is AutoOwners Insurance Co
at $95 per month and $556
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lovely,
KY
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 Lovely, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lovely, 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, Lovely's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lovely
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
$1266
30s
Auto-Owners
$960
40s
Auto-Owners
$938
50s
Auto-Owners
$896
60s
USAA
$932
70s
State Farm
$1038
Cheapest Car Insurance Rates for Teen Drivers in
Lovely,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Lovely at $41
per
month. At $10598 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 Lovely.
As young drivers face the highest rates in Lovely, USAA
offers the cheapest auto insurance rates at $1266 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 Lovely,
Cincinnati is
the cheapest car insurance provider. At $326 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
Lovely is Allstate, offering
rates of around $6904 for six
months.
Save up to $971/yr on car insurance rates in Lovely.
Car Insurance Rates with An Accident in Lovely
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 Lovely, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lovely
The cheapest car insurance companies after an at-fault accident in
Lovely include AutoOwners Insurance Co
and Electric, offering $388
and $388,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5588.
Here is a list of driving violations that can increase your car
insurance rates in Lovely KY. For example, the car
insurance in Lovely
after a DUI increases to $1589 for a six
month policy. While the rate increases by $403 for a six-month policy in the case of
a speeding ticket.
Lovely auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1855
$310
One Med/PIP claim
$1870
$317
Two Med/PIP claims
$1947
$324
Not-at-fault accident
$1999
$340
One comp claim
$2030
$338
Failure to wear a seat belt
$2053
$349
Failure to show documents
$2121
$353
Two comp claims
$2121
$361
Driving without lights
$2129
$355
Child safety restraint
$2152
$366
Cell phone violation
$2235
$372
Driving with expired registration
$2243
$381
Texting while driving
$2243
$374
Driving too slowly
$2258
$384
Failure to stop at a red light
$2258
$376
Failure to yield
$2258
$384
Speeding 6 - 10 MPH over limit
$2258
$376
Speeding in school zone
$2258
$384
Following too closely
$2266
$378
Illegal turn
$2266
$385
Speeding 11 - 15 MPH over limit
$2266
$378
Wrong way/wrong lane
$2266
$385
Improper passing
$2273
$379
Speeding 16 - 20 MPH over limit
$2273
$387
Speeding 21 - 25 MPH over limit
$2319
$387
In 65 MPH zone
$2335
$397
Passing school bus
$2372
$396
Open container
$2433
$413
At-fault accident - less than $1000
$2478
$413
Operating a vehicle without permission
$2661
$453
At-fault accident - $1000-$2000
$2692
$448
At-fault accident - greater than $2000
$2692
$458
Reckless driving
$3383
$564
Refusal to submit to a chemical test
$3429
$584
DUI
$3444
$573
Driving with a suspended license
$3452
$588
Racing
$3468
$577
Leaving scene of an accident/hit and run
$3505
$596
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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 Lovely 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 Lovely.
The cheapest car insurance premiums in
Lovely are
offered by Cincinnati at $509 for a six-month policy.
However, it can be as
expensive as $2897 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 Lovely are offered by Cincinnati
at $228. However,
it can be as expensive as $3794
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lovely after Speeding ticket
Car insurance rates in Lovely have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lovely rose by
$284 in December
compared to $282 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 Lovely rose to $79 in December,
compared to $77 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
Lovely. At $2616 for a
six-month policy, insuring
your car at 41231 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 Lovely?
The car insurance in Lovely is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Lovely?
The cheapest car insurance in Lovely
is $95 per month
for full coverage.
How much is car insurance in Lovely for teenagers?
Car insurance for teenagers costs $243 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
Lovely?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $220 per month to insure your
car in Lovely.
Is car insurance expensive in Lovely?
Car insurance can be expensive in Lovely if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lovely can be
affordable.
What is the best car insurance in Lovely,
KY?
The best car insurance company in Lovely
KY is
AutoOwners Insurance Co, offering $556 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lovely, KY
Car Insurance Rates by State in the USA (2025 Update)
Lovely Car Insurance
