Cheapest Car Insurance Quotes in Mount Sterling

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Mount Sterling Car Insurance

^$ 20

/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 Mount Sterling

The car insurance rate in Mount Sterling is $828 for a six-month policy, which is $194 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $352, making it a popular choice for budget-conscious drivers. Rates in Mount Sterling 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 Mount Sterling

$828

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Mount Sterling

1st place: AutoOwners Insurance Co

At $352 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 $385 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 $505 for six months, making it the third cheapest auto insurance company in Mount Sterling.

Mount Sterling Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Sterling, KY is AutoOwners Insurance Co, offering policies at just $352 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $385.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Sterling drivers find the best deals.

Cheap Car Insurance Companies in Mount Sterling, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$60
Cincinnati	$385	$64
Kentucky Farm Bureau	$505	$85
Travelers	$659	$111
Farm Bureau	$679	$115
Shelter	$741	$125
Auto-Owners	$794	$135
Nationwide	$799	$134
USAA	$808	$136
State Farm	$900	$151
Electric	$933	$159
Progressive	$1039	$175
Allstate	$2040	$343
Grange	$962	$160

Key Takeaways

Way's key takeaways about car insurance in Mount Sterling

The auto insurance costs in Mount Sterling fall around $352 for six months.
The cheapest auto insurance company in Mount Sterling is Cincinnati.
Teen drivers pay the highest rate in Mount Sterling at $1129 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 Mount Sterling

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 Mount Sterling are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Mount Sterling. Their Average 6 Month Premium is $121. Allstate is the most expensive at $842 for the same period.

Cheapest Liability Coverage in Mount Sterling, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$121	$20
Auto-Owners Insurance Co	$164	$28
Kentucky Farm Bureau	$183	$31
Electric	$198	$33
Nationwide	$231	$39
USAA	$241	$41
Farm Bureau	$250	$42
Travelers	$260	$44
Westfield	$270	$45
State Farm	$279	$47
Progressive	$308	$52
Shelter	$327	$55
Auto-Owners	$361	$60
Allstate	$842	$142

Cheapest Full Coverage Car Insurance in Mount Sterling

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 Mount Sterling is AutoOwners Insurance Co at $60 per month and $352 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Sterling, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$60
Cincinnati	$385	$64
Kentucky Farm Bureau	$505	$85
Travelers	$659	$111
Farm Bureau	$679	$115
Shelter	$741	$125
Auto-Owners	$794	$135
Nationwide	$799	$134
USAA	$808	$136
State Farm	$900	$151
Electric	$933	$159
Progressive	$1039	$175
Allstate	$2040	$343
Grange	$962	$160

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Average Car Insurance in Mount Sterling 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 Mount Sterling, KY increasing?

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

Car Insurance Premiums by Age in Mount Sterling

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	$801
30s	Auto-Owners	$608
40s	Auto-Owners	$594
50s	Auto-Owners	$567
60s	USAA	$590
70s	State Farm	$657

Cheapest Car Insurance Rates for Teen Drivers in Mount Sterling,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Mount Sterling at $26 per month. At $6707 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$154	$26
Auto-Owners Insurance Co	$231	$39
Kentucky Farm Bureau	$770	$130
Travelers	$1039	$175
Farm Bureau	$1059	$178
USAA	$1217	$205
Shelter	$1525	$257
State Farm	$1727	$291
Auto-Owners	$2406	$401
Progressive	$3224	$543
Allstate	$6707	$1129

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 Mount Sterling.

As young drivers face the highest rates in Mount Sterling, USAA offers the cheapest auto insurance rates at $801 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 Mount Sterling, Cincinnati is the cheapest car insurance provider. At $207 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 Mount Sterling is Allstate, offering rates of around $4369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$207	$35
Nationwide	$308	$53
Travelers	$866	$146
Progressive	$991	$167
USAA	$1592	$266
Farm Bureau	$2074	$352
Auto-Owners	$2300	$383
Shelter	$2358	$401
State Farm	$3132	$522
Allstate	$4369	$743

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

Car Insurance Rates with An Accident in Mount Sterling

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Sterling

The cheapest car insurance companies after an at-fault accident in Mount Sterling include AutoOwners Insurance Co and Electric, offering $245 and $245, respectively. Allstate is an expensive provider with an average six-month premium of $3536.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$245	$41
Electric	$245	$42
Cincinnati	$260	$43
Kentucky Farm Bureau	$356	$60
Farm Bureau	$505	$85
Travelers	$620	$104
State Farm	$645	$109
Shelter	$712	$120
USAA	$741	$125
Auto-Owners	$1092	$185
Progressive	$1222	$206
Allstate	$3536	$595

Mount Sterling Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Sterling KY. For example, the car insurance in Mount Sterling after a DUI increases to $1006 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

Mount Sterling auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1174	$196
One Med/PIP claim	$1183	$201
Two Med/PIP claims	$1232	$205
Not-at-fault accident	$1265	$215
One comp claim	$1285	$214
Failure to wear a seat belt	$1299	$221
Failure to show documents	$1342	$224
Two comp claims	$1342	$228
Driving without lights	$1347	$224
Child safety restraint	$1362	$232
Cell phone violation	$1414	$236
Driving with expired registration	$1419	$241
Texting while driving	$1419	$237
Driving too slowly	$1429	$243
Failure to stop at a red light	$1429	$238
Failure to yield	$1429	$243
Speeding 6 - 10 MPH over limit	$1429	$238
Speeding in school zone	$1429	$243
Following too closely	$1434	$239
Illegal turn	$1434	$244
Speeding 11 - 15 MPH over limit	$1434	$239
Wrong way/wrong lane	$1434	$244
Improper passing	$1439	$240
Speeding 16 - 20 MPH over limit	$1439	$245
Speeding 21 - 25 MPH over limit	$1468	$245
In 65 MPH zone	$1477	$251
Passing school bus	$1501	$250
Open container	$1540	$262
At-fault accident - less than $1000	$1568	$262
Operating a vehicle without permission	$1684	$287
At-fault accident - $1000-$2000	$1703	$284
At-fault accident - greater than $2000	$1703	$290
Reckless driving	$2141	$357
Refusal to submit to a chemical test	$2170	$369
DUI	$2180	$363
Driving with a suspended license	$2185	$372
Racing	$2194	$365
Leaving scene of an accident/hit and run	$2218	$377

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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 Mount Sterling 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 Mount Sterling.

The cheapest car insurance premiums in Mount Sterling are offered by Cincinnati at $322 for a six-month policy. However, it can be as expensive as $1833 with companies like AutoOwners.

Mount Sterling car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$322	$53
Kentucky Farm Bureau	$428	$73
Travelers	$578	$97
Progressive	$702	$118
Shelter	$707	$119
State Farm	$727	$122
USAA	$818	$138
Allstate	$1559	$262
Farm Bureau	$1583	$264
Auto-Owners	$1833	$312

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 Mount Sterling are offered by Cincinnati at $144. However, it can be as expensive as $2401 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Sterling after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$144	$24
Kentucky Farm Bureau	$173	$29
Auto-Owners Insurance Co	$198	$33
State Farm	$544	$92
Travelers	$587	$99
Shelter	$630	$106
Farm Bureau	$679	$115
Progressive	$789	$133
Auto-Owners	$808	$138
USAA	$972	$162
Allstate	$2401	$408

Car Insurance Price Trends in Mount Sterling, Kentucky

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

The average cost of full coverage in the Mount Sterling rose by $180 in December compared to $178 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 Mount Sterling rose to $50 in December, compared to $49 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mount Sterling?

The car insurance in Mount Sterling is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Sterling?

The cheapest car insurance in Mount Sterling is $60 per month for full coverage.

How much is car insurance in Mount Sterling for teenagers?

Car insurance for teenagers costs $154 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 Mount Sterling?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $139 per month to insure your car in Mount Sterling.

Is car insurance expensive in Mount Sterling?

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

Cheapest Car Insurance Quotes in Mount Sterling

Why you can trust Way?

How Much Is Car Insurance in Mount Sterling

Avg. Car Insurance in Mount Sterling

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Mount Sterling

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Mount Sterling Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Sterling, KY

Way's key takeaways about car insurance in Mount Sterling

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Sterling

Cheapest Liability Coverage in Mount Sterling, KY

Cheapest Full Coverage Car Insurance in Mount Sterling

Cheapest Full Coverage Car Insurance Quotes in Mount Sterling, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Sterling by Rating Factor

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

Car Insurance Premiums by Age in Mount Sterling

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Sterling,KY

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

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 Mount Sterling

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Sterling

Mount Sterling Car Insurance Rates by Violation

Mount Sterling auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Sterling after a DUI

Mount Sterling car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Sterling after Speeding ticket

Car Insurance Price Trends in Mount Sterling, Kentucky

Average Car Insurance Cost in Mount Sterling by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Sterling, KY

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

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