Cheapest Car Insurance Quotes in Mortons Gap

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Mortons Gap Car Insurance

^$ 23

/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 Mortons Gap

The car insurance rate in Mortons Gap is $992 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $395, making it a popular choice for budget-conscious drivers. Rates in Mortons Gap 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 Mortons Gap

$992

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Mortons Gap

1st place: AutoOwners Insurance Co

At $395 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 $432 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 $568 for six months, making it the third cheapest auto insurance company in Mortons Gap.

Mortons Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mortons Gap, KY is AutoOwners Insurance Co, offering policies at just $395 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $432.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2313 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mortons Gap drivers find the best deals.

Cheap Car Insurance Companies in Mortons Gap, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$395	$66
Cincinnati	$432	$74
Kentucky Farm Bureau	$568	$96
Travelers	$767	$129
Shelter	$859	$145
USAA	$886	$149
Auto-Owners	$1048	$175
Electric	$1048	$178
State Farm	$1048	$177
Farm Bureau	$1103	$187
Progressive	$1168	$197
Nationwide	$1259	$212
Allstate	$2313	$386

Key Takeaways

Way's key takeaways about car insurance in Mortons Gap

The auto insurance costs in Mortons Gap fall around $395 for six months.
The cheapest auto insurance company in Mortons Gap is Cincinnati.
Teen drivers pay the highest rate in Mortons Gap at $1163 per month.

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Cheapest Minimum Liability Car Insurance in Mortons Gap

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 Mortons Gap are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Mortons Gap. Their Average 6 Month Premium is $136. Allstate is the most expensive at $865 for the same period.

Cheapest Liability Coverage in Mortons Gap, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Auto-Owners Insurance Co	$184	$31
Kentucky Farm Bureau	$206	$35
Electric	$222	$37
USAA	$270	$46
Travelers	$287	$48
Westfield	$303	$52
Farm Bureau	$319	$54
State Farm	$329	$56
Progressive	$362	$61
Shelter	$373	$63
Auto-Owners	$432	$72
Nationwide	$513	$86
Allstate	$865	$144

Cheapest Full Coverage Car Insurance in Mortons Gap

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 Mortons Gap is AutoOwners Insurance Co at $66 per month and $395 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mortons Gap, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$395	$66
Cincinnati	$432	$74
Kentucky Farm Bureau	$568	$96
Travelers	$767	$129
Shelter	$859	$145
USAA	$886	$149
Auto-Owners	$1048	$175
Electric	$1048	$178
State Farm	$1048	$177
Farm Bureau	$1103	$187
Progressive	$1168	$197
Nationwide	$1259	$212
Allstate	$2313	$386

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Average Car Insurance in Mortons Gap 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 Mortons Gap, KY increasing?

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

Car Insurance Premiums by Age in Mortons Gap

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	$868
30s	Auto-Owners	$658
40s	Auto-Owners	$643
50s	Auto-Owners	$614
60s	USAA	$639
70s	State Farm	$712

Cheapest Car Insurance Rates for Teen Drivers in Mortons Gap,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Mortons Gap at $29 per month. At $6979 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Auto-Owners Insurance Co	$259	$44
Kentucky Farm Bureau	$865	$146
Travelers	$1254	$211
USAA	$1471	$248
Farm Bureau	$1665	$280
Shelter	$1795	$302
State Farm	$2032	$342
Auto-Owners	$2843	$483
Progressive	$3562	$600
Nationwide	$6957	$1183
Allstate	$6979	$1163

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 Mortons Gap.

As young drivers face the highest rates in Mortons Gap, USAA offers the cheapest auto insurance rates at $868 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 Mortons Gap, Cincinnati is the cheapest car insurance provider. At $232 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 Mortons Gap is Allstate, offering rates of around $4909 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$232	$39
Travelers	$1054	$177
Progressive	$1087	$183
USAA	$1351	$230
Nationwide	$1708	$288
Shelter	$2892	$491
Auto-Owners	$2957	$493
Farm Bureau	$3373	$573
State Farm	$4475	$746
Allstate	$4909	$834

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

Car Insurance Rates with An Accident in Mortons Gap

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mortons Gap

The cheapest car insurance companies after an at-fault accident in Mortons Gap include AutoOwners Insurance Co and Electric, offering $276 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $3443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$46
Electric	$276	$47
Cincinnati	$292	$48
Farm Bureau	$368	$63
Kentucky Farm Bureau	$400	$67
Travelers	$735	$124
State Farm	$752	$126
USAA	$805	$136
Shelter	$827	$139
Progressive	$1405	$237
Auto-Owners	$1460	$243
Nationwide	$3011	$512
Allstate	$3443	$574

Mortons Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mortons Gap KY. For example, the car insurance in Mortons Gap after a DUI increases to $1130 for a six month policy. While the rate increases by $286 for a six-month policy in the case of a speeding ticket.

Mortons Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1319	$220
One Med/PIP claim	$1330	$226
Two Med/PIP claims	$1384	$230
Not-at-fault accident	$1421	$242
One comp claim	$1443	$240
Failure to wear a seat belt	$1460	$248
Failure to show documents	$1508	$251
Two comp claims	$1508	$257
Driving without lights	$1513	$252
Child safety restraint	$1530	$260
Cell phone violation	$1589	$265
Driving with expired registration	$1594	$271
Texting while driving	$1594	$266
Driving too slowly	$1605	$273
Failure to stop at a red light	$1605	$268
Failure to yield	$1605	$273
Speeding 6 - 10 MPH over limit	$1605	$268
Speeding in school zone	$1605	$273
Following too closely	$1611	$268
Illegal turn	$1611	$274
Speeding 11 - 15 MPH over limit	$1611	$268
Wrong way/wrong lane	$1611	$274
Improper passing	$1616	$269
Speeding 16 - 20 MPH over limit	$1616	$275
Speeding 21 - 25 MPH over limit	$1649	$275
In 65 MPH zone	$1660	$282
Passing school bus	$1686	$281
Open container	$1730	$294
At-fault accident - less than $1000	$1762	$294
Operating a vehicle without permission	$1892	$322
At-fault accident - $1000-$2000	$1914	$319
At-fault accident - greater than $2000	$1914	$326
Reckless driving	$2405	$401
Refusal to submit to a chemical test	$2438	$415
DUI	$2449	$408
Driving with a suspended license	$2454	$418
Racing	$2465	$410
Leaving scene of an accident/hit and run	$2492	$424

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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 Mortons Gap 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 Mortons Gap.

The cheapest car insurance premiums in Mortons Gap are offered by Cincinnati at $362 for a six-month policy. However, it can be as expensive as $3919 with companies like Nationwide.

Mortons Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$362	$62
Allstate	$470	$78
Kentucky Farm Bureau	$481	$82
Travelers	$697	$117
Progressive	$773	$130
Shelter	$833	$140
State Farm	$875	$147
USAA	$1016	$171
Auto-Owners	$2405	$409
Farm Bureau	$2611	$435
Nationwide	$3919	$666

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 Mortons Gap are offered by Cincinnati at $162. However, it can be as expensive as $2697 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mortons Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Kentucky Farm Bureau	$195	$33
Auto-Owners Insurance Co	$222	$37
State Farm	$676	$114
Travelers	$724	$122
Shelter	$757	$127
Progressive	$951	$160
USAA	$989	$168
Auto-Owners	$1097	$183
Farm Bureau	$1103	$187
Nationwide	$1978	$329
Allstate	$2697	$459

Car Insurance Price Trends in Mortons Gap, Kentucky

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

The average cost of full coverage in the Mortons Gap rose by $206 in January compared to $202 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Mortons Gap remained steady at $56 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mortons Gap?

The car insurance in Mortons Gap is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Mortons Gap?

The cheapest car insurance in Mortons Gap is $66 per month for full coverage.

How much is car insurance in Mortons Gap for teenagers?

Car insurance for teenagers costs $173 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 Mortons Gap?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $167 per month to insure your car in Mortons Gap.

Is car insurance expensive in Mortons Gap?

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

Cheapest Car Insurance Quotes in Mortons Gap

Why you can trust Way?

How Much Is Car Insurance in Mortons Gap

Avg. Car Insurance in Mortons Gap

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Mortons Gap

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Mortons Gap Car Insurance Rates by Company

Cheap Car Insurance Companies in Mortons Gap, KY

Way's key takeaways about car insurance in Mortons Gap

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mortons Gap

Cheapest Liability Coverage in Mortons Gap, KY

Cheapest Full Coverage Car Insurance in Mortons Gap

Cheapest Full Coverage Car Insurance Quotes in Mortons Gap, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mortons Gap by Rating Factor

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

Car Insurance Premiums by Age in Mortons Gap

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mortons Gap,KY

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

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 Mortons Gap

Cheapest Car Insurance Companies after an At-Fault Accident in Mortons Gap

Mortons Gap Car Insurance Rates by Violation

Mortons Gap auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mortons Gap after a DUI

Mortons Gap car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mortons Gap after Speeding ticket

Car Insurance Price Trends in Mortons Gap, Kentucky

Average Car Insurance Cost in Mortons Gap by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mortons Gap, KY

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

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