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Finding the cheapest car insurance quotes in Lowmansville 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 Lowmansville
The car insurance rate in Lowmansville is $1124 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Lowmansville 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 $477 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 $523 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 $686
for six months, making it
the third cheapest auto insurance company in Lowmansville.
Lowmansville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lowmansville, KY is AutoOwners Insurance Co, offering policies at just $477 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $523.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1307 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lowmansville drivers find the best deals.
Way's key takeaways about car insurance in Lowmansville
The auto insurance costs in Lowmansville fall around $477 for six
months.
The cheapest auto insurance company in Lowmansville is Cincinnati.
Teen drivers pay the highest rate in Lowmansville at $1533 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 Lowmansville
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 Lowmansville are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Lowmansville. Their Average 6 Month Premium is $164.
Allstate is the most
expensive at $1144 for the same
period.
Cheapest Full Coverage Car Insurance in Lowmansville
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 Lowmansville is AutoOwners Insurance Co
at $81 per month and $477
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lowmansville,
KY
Get Your Car Insurance Quote in Lowmansville
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Average Car Insurance in Lowmansville 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 Lowmansville, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lowmansville, 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, Lowmansville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lowmansville
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
$1088
30s
Auto-Owners
$825
40s
Auto-Owners
$806
50s
Auto-Owners
$770
60s
USAA
$801
70s
State Farm
$892
Cheapest Car Insurance Rates for Teen Drivers in
Lowmansville,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Lowmansville at $35
per
month. At $9108 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 Lowmansville.
As young drivers face the highest rates in Lowmansville, USAA
offers the cheapest auto insurance rates at $1088 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 Lowmansville,
Cincinnati is
the cheapest car insurance provider. At $281 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
Lowmansville is Allstate, offering
rates of around $5933 for six
months.
Save up to $971/yr on car insurance rates in Lowmansville.
Car Insurance Rates with An Accident in Lowmansville
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 Lowmansville, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lowmansville
The cheapest car insurance companies after an at-fault accident in
Lowmansville include AutoOwners Insurance Co
and Electric, offering $333
and $333,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4803.
Here is a list of driving violations that can increase your car
insurance rates in Lowmansville KY. For example, the car
insurance in Lowmansville
after a DUI increases to $1366 for a six
month policy. While the rate increases by $346 for a six-month policy in the case of
a speeding ticket.
Lowmansville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1594
$266
One Med/PIP claim
$1607
$273
Two Med/PIP claims
$1673
$278
Not-at-fault accident
$1718
$293
One comp claim
$1745
$290
Failure to wear a seat belt
$1764
$300
Failure to show documents
$1823
$304
Two comp claims
$1823
$310
Driving without lights
$1829
$305
Child safety restraint
$1849
$315
Cell phone violation
$1921
$320
Driving with expired registration
$1927
$328
Texting while driving
$1927
$321
Driving too slowly
$1940
$330
Failure to stop at a red light
$1940
$323
Failure to yield
$1940
$330
Speeding 6 - 10 MPH over limit
$1940
$323
Speeding in school zone
$1940
$330
Following too closely
$1947
$325
Illegal turn
$1947
$331
Speeding 11 - 15 MPH over limit
$1947
$325
Wrong way/wrong lane
$1947
$331
Improper passing
$1954
$326
Speeding 16 - 20 MPH over limit
$1954
$332
Speeding 21 - 25 MPH over limit
$1993
$332
In 65 MPH zone
$2006
$341
Passing school bus
$2038
$340
Open container
$2091
$355
At-fault accident - less than $1000
$2130
$355
Operating a vehicle without permission
$2287
$389
At-fault accident - $1000-$2000
$2313
$385
At-fault accident - greater than $2000
$2313
$394
Reckless driving
$2907
$485
Refusal to submit to a chemical test
$2947
$502
DUI
$2960
$493
Driving with a suspended license
$2967
$505
Racing
$2980
$496
Leaving scene of an accident/hit and run
$3012
$513
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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 Lowmansville 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 Lowmansville.
The cheapest car insurance premiums in
Lowmansville are
offered by Cincinnati at $438 for a six-month policy.
However, it can be as
expensive as $2489 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 Lowmansville are offered by Cincinnati
at $196. However,
it can be as expensive as $3260
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lowmansville after Speeding ticket
Car Insurance Price Trends in Lowmansville,
Kentucky
Car insurance rates in Lowmansville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lowmansville rose by
$244 in December
compared to $242 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 Lowmansville rose to $68 in December,
compared to $66 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Lowmansville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lowmansville. At $2248 for a
six-month policy, insuring
your car at 41232 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 Lowmansville?
The car insurance in Lowmansville is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Lowmansville?
The cheapest car insurance in Lowmansville
is $81 per month
for full coverage.
How much is car insurance in Lowmansville for teenagers?
Car insurance for teenagers costs $209 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
Lowmansville?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $189 per month to insure your
car in Lowmansville.
Is car insurance expensive in Lowmansville?
Car insurance can be expensive in Lowmansville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lowmansville can be
affordable.
What is the best car insurance in Lowmansville,
KY?
The best car insurance company in Lowmansville
KY is
AutoOwners Insurance Co, offering $477 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lowmansville, KY
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Lowmansville Car Insurance
