Cheapest Car Insurance Quotes in Martin

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399,755 Policies Sold

Martin Car Insurance

^$ 32

/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 Martin

The car insurance rate in Martin is $1288 for a six-month policy, which is $266 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $547, making it a popular choice for budget-conscious drivers. Rates in Martin 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 Martin

$1288

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Martin

1st place: AutoOwners Insurance Co

At $547 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 $599 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 $786 for six months, making it the third cheapest auto insurance company in Martin.

Martin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Martin, KY is AutoOwners Insurance Co, offering policies at just $547 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $599.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1497 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martin drivers find the best deals.

Cheap Car Insurance Companies in Martin, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$547	$93
Cincinnati	$599	$100
Kentucky Farm Bureau	$786	$132
Travelers	$1026	$173
Farm Bureau	$1056	$179
Shelter	$1153	$194
Auto-Owners	$1235	$210
Nationwide	$1242	$209
USAA	$1257	$212
State Farm	$1400	$236
Electric	$1452	$247
Progressive	$1617	$272
Allstate	$3174	$534
Grange	$1497	$249

Key Takeaways

Way's key takeaways about car insurance in Martin

The auto insurance costs in Martin fall around $547 for six months.
The cheapest auto insurance company in Martin is Cincinnati.
Teen drivers pay the highest rate in Martin at $1756 per month.

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Cheapest Minimum Liability Car Insurance in Martin

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 Martin are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Martin. Their Average 6 Month Premium is $188. Allstate is the most expensive at $1310 for the same period.

Cheapest Liability Coverage in Martin, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$188	$32
Auto-Owners Insurance Co	$255	$43
Kentucky Farm Bureau	$285	$48
Electric	$307	$52
Nationwide	$359	$60
USAA	$374	$63
Farm Bureau	$389	$66
Travelers	$404	$68
Westfield	$420	$69
State Farm	$435	$73
Progressive	$479	$81
Shelter	$509	$86
Auto-Owners	$562	$93
Allstate	$1310	$221

Cheapest Full Coverage Car Insurance in Martin

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 Martin is AutoOwners Insurance Co at $93 per month and $547 for six months.

Cheapest Full Coverage Car Insurance Quotes in Martin, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$547	$93
Cincinnati	$599	$100
Kentucky Farm Bureau	$786	$132
Travelers	$1026	$173
Farm Bureau	$1056	$179
Shelter	$1153	$194
Auto-Owners	$1235	$210
Nationwide	$1242	$209
USAA	$1257	$212
State Farm	$1400	$236
Electric	$1452	$247
Progressive	$1617	$272
Allstate	$3174	$534
Grange	$1497	$249

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Average Car Insurance in Martin 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 Martin, KY increasing?

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

Car Insurance Premiums by Age in Martin

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	$1246
30s	Auto-Owners	$945
40s	Auto-Owners	$924
50s	Auto-Owners	$882
60s	USAA	$917
70s	State Farm	$1022

Cheapest Car Insurance Rates for Teen Drivers in Martin,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Martin at $40 per month. At $10433 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$239	$40
Auto-Owners Insurance Co	$359	$60
Kentucky Farm Bureau	$1197	$202
Travelers	$1617	$272
Farm Bureau	$1647	$277
USAA	$1894	$319
Shelter	$2373	$399
State Farm	$2686	$452
Auto-Owners	$3742	$624
Progressive	$5015	$844
Allstate	$10433	$1756

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 Martin.

As young drivers face the highest rates in Martin, USAA offers the cheapest auto insurance rates at $1246 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 Martin, Cincinnati is the cheapest car insurance provider. At $321 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 Martin is Allstate, offering rates of around $6796 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$321	$54
Nationwide	$479	$82
Travelers	$1347	$227
Progressive	$1542	$260
USAA	$2477	$413
Farm Bureau	$3226	$548
Auto-Owners	$3577	$596
Shelter	$3668	$624
State Farm	$4872	$811
Allstate	$6796	$1155

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Save up to $971/yr on car insurance rates in Martin.

Car Insurance Rates with An Accident in Martin

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

Cheapest Car Insurance Companies after an At-Fault Accident in Martin

The cheapest car insurance companies after an at-fault accident in Martin include AutoOwners Insurance Co and Electric, offering $382 and $382, respectively. Allstate is an expensive provider with an average six-month premium of $5501.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$382	$63
Electric	$382	$66
Cincinnati	$404	$67
Kentucky Farm Bureau	$554	$93
Farm Bureau	$786	$132
Travelers	$965	$163
State Farm	$1003	$169
Shelter	$1108	$186
USAA	$1153	$194
Auto-Owners	$1698	$289
Progressive	$1901	$320
Allstate	$5501	$926

Martin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Martin KY. For example, the car insurance in Martin after a DUI increases to $1565 for a six month policy. While the rate increases by $397 for a six-month policy in the case of a speeding ticket.

Martin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1826	$305
One Med/PIP claim	$1841	$312
Two Med/PIP claims	$1916	$319
Not-at-fault accident	$1968	$335
One comp claim	$1998	$333
Failure to wear a seat belt	$2021	$344
Failure to show documents	$2088	$348
Two comp claims	$2088	$355
Driving without lights	$2095	$349
Child safety restraint	$2118	$360
Cell phone violation	$2200	$367
Driving with expired registration	$2208	$375
Texting while driving	$2208	$368
Driving too slowly	$2223	$378
Failure to stop at a red light	$2223	$370
Failure to yield	$2223	$378
Speeding 6 - 10 MPH over limit	$2223	$370
Speeding in school zone	$2223	$378
Following too closely	$2230	$372
Illegal turn	$2230	$379
Speeding 11 - 15 MPH over limit	$2230	$372
Wrong way/wrong lane	$2230	$379
Improper passing	$2238	$373
Speeding 16 - 20 MPH over limit	$2238	$381
Speeding 21 - 25 MPH over limit	$2283	$381
In 65 MPH zone	$2298	$391
Passing school bus	$2335	$389
Open container	$2395	$407
At-fault accident - less than $1000	$2439	$407
Operating a vehicle without permission	$2620	$446
At-fault accident - $1000-$2000	$2650	$441
At-fault accident - greater than $2000	$2650	$451
Reckless driving	$3330	$556
Refusal to submit to a chemical test	$3376	$575
DUI	$3391	$564
Driving with a suspended license	$3398	$578
Racing	$3413	$568
Leaving scene of an accident/hit and run	$3450	$587

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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 Martin 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 Martin.

The cheapest car insurance premiums in Martin are offered by Cincinnati at $501 for a six-month policy. However, it can be as expensive as $2851 with companies like AutoOwners.

Martin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$501	$83
Kentucky Farm Bureau	$667	$113
Travelers	$898	$151
Progressive	$1092	$184
Shelter	$1100	$185
State Farm	$1130	$190
USAA	$1273	$214
Allstate	$2426	$408
Farm Bureau	$2462	$411
Auto-Owners	$2851	$485

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 Martin are offered by Cincinnati at $224. However, it can be as expensive as $3735 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Martin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$224	$38
Kentucky Farm Bureau	$270	$45
Auto-Owners Insurance Co	$307	$52
State Farm	$845	$142
Travelers	$914	$154
Shelter	$980	$165
Farm Bureau	$1056	$179
Progressive	$1227	$207
Auto-Owners	$1257	$214
USAA	$1512	$252
Allstate	$3735	$635

Car Insurance Price Trends in Martin, Kentucky

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

The average cost of full coverage in the Martin rose by $280 in December compared to $277 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Martin rose to $78 in December, compared to $76 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 Martin?

The car insurance in Martin is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Martin?

The cheapest car insurance in Martin is $93 per month for full coverage.

How much is car insurance in Martin for teenagers?

Car insurance for teenagers costs $239 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 Martin?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $217 per month to insure your car in Martin.

Is car insurance expensive in Martin?

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

Cheapest Car Insurance Quotes in Martin

Why you can trust Way?

How Much Is Car Insurance in Martin

Avg. Car Insurance in Martin

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Martin

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Martin Car Insurance Rates by Company

Cheap Car Insurance Companies in Martin, KY

Way's key takeaways about car insurance in Martin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Martin

Cheapest Liability Coverage in Martin, KY

Cheapest Full Coverage Car Insurance in Martin

Cheapest Full Coverage Car Insurance Quotes in Martin, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Martin by Rating Factor

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

Car Insurance Premiums by Age in Martin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Martin,KY

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

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 Martin

Cheapest Car Insurance Companies after an At-Fault Accident in Martin

Martin Car Insurance Rates by Violation

Martin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Martin after a DUI

Martin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Martin after Speeding ticket

Car Insurance Price Trends in Martin, Kentucky

Average Car Insurance Cost in Martin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Martin, KY

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

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