Cheapest Car Insurance Quotes in McCarr

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399,755 Policies Sold

McCarr Car Insurance

^$ 33

/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 McCarr

The car insurance rate in McCarr is $1349 for a six-month policy, which is $327 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $573, making it a popular choice for budget-conscious drivers. Rates in McCarr 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 McCarr

$1349

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in McCarr

1st place: AutoOwners Insurance Co

At $573 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 $627 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 $824 for six months, making it the third cheapest auto insurance company in McCarr.

McCarr Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McCarr, KY is AutoOwners Insurance Co, offering policies at just $573 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $627.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1568 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McCarr drivers find the best deals.

Cheap Car Insurance Companies in McCarr, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$573	$98
Cincinnati	$627	$104
Kentucky Farm Bureau	$824	$139
Travelers	$1074	$181
Farm Bureau	$1106	$187
Shelter	$1208	$203
Auto-Owners	$1294	$220
Nationwide	$1302	$219
USAA	$1317	$222
State Farm	$1467	$247
Electric	$1521	$259
Progressive	$1694	$285
Allstate	$3325	$560
Grange	$1568	$261

Key Takeaways

Way's key takeaways about car insurance in McCarr

The auto insurance costs in McCarr fall around $573 for six months.
The cheapest auto insurance company in McCarr is Cincinnati.
Teen drivers pay the highest rate in McCarr at $1840 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in McCarr

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 McCarr are given below.

Cincinnati provides the cheapest minimum car insurance coverage in McCarr. Their Average 6 Month Premium is $197. Allstate is the most expensive at $1373 for the same period.

Cheapest Liability Coverage in McCarr, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$197	$33
Auto-Owners Insurance Co	$267	$45
Kentucky Farm Bureau	$298	$50
Electric	$322	$54
Nationwide	$376	$63
USAA	$392	$66
Farm Bureau	$408	$69
Travelers	$424	$71
Westfield	$440	$73
State Farm	$455	$77
Progressive	$502	$84
Shelter	$533	$90
Auto-Owners	$589	$98
Allstate	$1373	$231

Cheapest Full Coverage Car Insurance in McCarr

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 McCarr is AutoOwners Insurance Co at $98 per month and $573 for six months.

Cheapest Full Coverage Car Insurance Quotes in McCarr, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$573	$98
Cincinnati	$627	$104
Kentucky Farm Bureau	$824	$139
Travelers	$1074	$181
Farm Bureau	$1106	$187
Shelter	$1208	$203
Auto-Owners	$1294	$220
Nationwide	$1302	$219
USAA	$1317	$222
State Farm	$1467	$247
Electric	$1521	$259
Progressive	$1694	$285
Allstate	$3325	$560
Grange	$1568	$261

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Average Car Insurance in McCarr 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 McCarr, KY increasing?

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

Car Insurance Premiums by Age in McCarr

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	$1305
30s	Auto-Owners	$990
40s	Auto-Owners	$968
50s	Auto-Owners	$924
60s	USAA	$961
70s	State Farm	$1071

Cheapest Car Insurance Rates for Teen Drivers in McCarr,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the McCarr at $42 per month. At $10930 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$251	$42
Auto-Owners Insurance Co	$376	$63
Kentucky Farm Bureau	$1254	$211
Travelers	$1694	$285
Farm Bureau	$1725	$290
USAA	$1984	$334
Shelter	$2486	$418
State Farm	$2814	$474
Auto-Owners	$3920	$653
Progressive	$5254	$884
Allstate	$10930	$1840

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 McCarr.

As young drivers face the highest rates in McCarr, USAA offers the cheapest auto insurance rates at $1305 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 McCarr, Cincinnati is the cheapest car insurance provider. At $337 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 McCarr is Allstate, offering rates of around $7120 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$337	$57
Nationwide	$502	$86
Travelers	$1411	$238
Progressive	$1616	$272
USAA	$2595	$433
Farm Bureau	$3379	$574
Auto-Owners	$3747	$624
Shelter	$3843	$653
State Farm	$5104	$850
Allstate	$7120	$1210

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Car Insurance Rates with An Accident in McCarr

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

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

The cheapest car insurance companies after an at-fault accident in McCarr include AutoOwners Insurance Co and Electric, offering $400 and $400, respectively. Allstate is an expensive provider with an average six-month premium of $5763.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$400	$66
Electric	$400	$69
Cincinnati	$424	$70
Kentucky Farm Bureau	$581	$98
Farm Bureau	$824	$139
Travelers	$1011	$170
State Farm	$1051	$177
Shelter	$1160	$195
USAA	$1208	$203
Auto-Owners	$1779	$302
Progressive	$1992	$335
Allstate	$5763	$970

McCarr Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McCarr KY. For example, the car insurance in McCarr after a DUI increases to $1639 for a six month policy. While the rate increases by $415 for a six-month policy in the case of a speeding ticket.

McCarr auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1913	$319
One Med/PIP claim	$1929	$327
Two Med/PIP claims	$2008	$334
Not-at-fault accident	$2062	$351
One comp claim	$2094	$348
Failure to wear a seat belt	$2117	$360
Failure to show documents	$2187	$364
Two comp claims	$2187	$372
Driving without lights	$2195	$366
Child safety restraint	$2219	$378
Cell phone violation	$2305	$384
Driving with expired registration	$2313	$393
Texting while driving	$2313	$385
Driving too slowly	$2328	$396
Failure to stop at a red light	$2328	$388
Failure to yield	$2328	$396
Speeding 6 - 10 MPH over limit	$2328	$388
Speeding in school zone	$2328	$396
Following too closely	$2336	$389
Illegal turn	$2336	$397
Speeding 11 - 15 MPH over limit	$2336	$389
Wrong way/wrong lane	$2336	$397
Improper passing	$2344	$391
Speeding 16 - 20 MPH over limit	$2344	$399
Speeding 21 - 25 MPH over limit	$2392	$399
In 65 MPH zone	$2408	$409
Passing school bus	$2446	$408
Open container	$2509	$426
At-fault accident - less than $1000	$2556	$426
Operating a vehicle without permission	$2744	$467
At-fault accident - $1000-$2000	$2776	$462
At-fault accident - greater than $2000	$2776	$473
Reckless driving	$3489	$582
Refusal to submit to a chemical test	$3536	$602
DUI	$3552	$591
Driving with a suspended license	$3560	$606
Racing	$3576	$595
Leaving scene of an accident/hit and run	$3614	$615

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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 McCarr 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 McCarr.

The cheapest car insurance premiums in McCarr are offered by Cincinnati at $525 for a six-month policy. However, it can be as expensive as $2987 with companies like AutoOwners.

McCarr car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$525	$87
Kentucky Farm Bureau	$698	$119
Travelers	$941	$158
Progressive	$1144	$193
Shelter	$1152	$194
State Farm	$1184	$199
USAA	$1333	$224
Allstate	$2541	$428
Farm Bureau	$2579	$430
Auto-Owners	$2987	$508

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 McCarr are offered by Cincinnati at $235. However, it can be as expensive as $3912 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in McCarr after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$235	$40
Kentucky Farm Bureau	$282	$48
Auto-Owners Insurance Co	$322	$54
State Farm	$886	$149
Travelers	$957	$161
Shelter	$1027	$173
Farm Bureau	$1106	$187
Progressive	$1286	$216
Auto-Owners	$1317	$224
USAA	$1584	$264
Allstate	$3912	$665

Car Insurance Price Trends in McCarr, Kentucky

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

The average cost of full coverage in the McCarr rose by $293 in December compared to $290 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 McCarr rose to $82 in December, compared to $79 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in McCarr?

The car insurance in McCarr is $33 per month, which is lower than the national average.

What is the cheapest car insurance in McCarr?

The cheapest car insurance in McCarr is $98 per month for full coverage.

How much is car insurance in McCarr for teenagers?

Car insurance for teenagers costs $251 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 McCarr?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $227 per month to insure your car in McCarr.

Is car insurance expensive in McCarr?

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

Cheapest Car Insurance Quotes in McCarr

Why you can trust Way?

How Much Is Car Insurance in McCarr

Avg. Car Insurance in McCarr

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in McCarr

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

McCarr Car Insurance Rates by Company

Cheap Car Insurance Companies in McCarr, KY

Way's key takeaways about car insurance in McCarr

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McCarr

Cheapest Liability Coverage in McCarr, KY

Cheapest Full Coverage Car Insurance in McCarr

Cheapest Full Coverage Car Insurance Quotes in McCarr, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McCarr by Rating Factor

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

Car Insurance Premiums by Age in McCarr

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McCarr,KY

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

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 McCarr

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

McCarr Car Insurance Rates by Violation

McCarr auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McCarr after a DUI

McCarr car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McCarr after Speeding ticket

Car Insurance Price Trends in McCarr, Kentucky

Average Car Insurance Cost in McCarr by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McCarr, KY

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

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