Cheapest Car Insurance Quotes in Mount Vernon

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Mount Vernon Car Insurance

^$ 24

/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 Vernon

The car insurance rate in Mount Vernon is $981 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $417, making it a popular choice for budget-conscious drivers. Rates in Mount Vernon 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 Vernon

$981

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Mount Vernon

1st place: AutoOwners Insurance Co

At $417 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 $456 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 $599 for six months, making it the third cheapest auto insurance company in Mount Vernon.

Mount Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Vernon, KY is AutoOwners Insurance Co, offering policies at just $417 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $456.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Vernon drivers find the best deals.

Cheap Car Insurance Companies in Mount Vernon, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$417	$71
Cincinnati	$456	$76
Kentucky Farm Bureau	$599	$101
Travelers	$781	$132
Farm Bureau	$804	$136
Shelter	$878	$148
Auto-Owners	$941	$160
Nationwide	$947	$159
USAA	$958	$161
State Farm	$1067	$180
Electric	$1106	$188
Progressive	$1232	$207
Allstate	$2418	$407
Grange	$1140	$190

Key Takeaways

Way's key takeaways about car insurance in Mount Vernon

The auto insurance costs in Mount Vernon fall around $417 for six months.
The cheapest auto insurance company in Mount Vernon is Cincinnati.
Teen drivers pay the highest rate in Mount Vernon at $1338 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 Vernon

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 Vernon are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Mount Vernon. Their Average 6 Month Premium is $143. Allstate is the most expensive at $998 for the same period.

Cheapest Liability Coverage in Mount Vernon, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Auto-Owners Insurance Co	$194	$33
Kentucky Farm Bureau	$217	$36
Electric	$234	$39
Nationwide	$274	$46
USAA	$285	$48
Farm Bureau	$297	$50
Travelers	$308	$52
Westfield	$320	$53
State Farm	$331	$56
Progressive	$365	$61
Shelter	$388	$65
Auto-Owners	$428	$71
Allstate	$998	$168

Cheapest Full Coverage Car Insurance in Mount Vernon

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 Vernon is AutoOwners Insurance Co at $71 per month and $417 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$417	$71
Cincinnati	$456	$76
Kentucky Farm Bureau	$599	$101
Travelers	$781	$132
Farm Bureau	$804	$136
Shelter	$878	$148
Auto-Owners	$941	$160
Nationwide	$947	$159
USAA	$958	$161
State Farm	$1067	$180
Electric	$1106	$188
Progressive	$1232	$207
Allstate	$2418	$407
Grange	$1140	$190

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Average Car Insurance in Mount Vernon 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 Vernon, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Vernon, 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 Vernon'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 Vernon

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	$949
30s	Auto-Owners	$720
40s	Auto-Owners	$704
50s	Auto-Owners	$672
60s	USAA	$699
70s	State Farm	$779

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

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Mount Vernon at $31 per month. At $7949 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Auto-Owners Insurance Co	$274	$46
Kentucky Farm Bureau	$912	$154
Travelers	$1232	$207
Farm Bureau	$1255	$211
USAA	$1443	$243
Shelter	$1808	$304
State Farm	$2047	$345
Auto-Owners	$2851	$475
Progressive	$3821	$643
Allstate	$7949	$1338

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 Vernon.

As young drivers face the highest rates in Mount Vernon, USAA offers the cheapest auto insurance rates at $949 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 Vernon, Cincinnati is the cheapest car insurance provider. At $245 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 Vernon is Allstate, offering rates of around $5178 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$245	$41
Nationwide	$365	$62
Travelers	$1026	$173
Progressive	$1175	$198
USAA	$1887	$315
Farm Bureau	$2458	$418
Auto-Owners	$2725	$454
Shelter	$2795	$475
State Farm	$3712	$618
Allstate	$5178	$880

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Car Insurance Rates with An Accident in Mount Vernon

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

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

The cheapest car insurance companies after an at-fault accident in Mount Vernon include AutoOwners Insurance Co and Electric, offering $291 and $291, respectively. Allstate is an expensive provider with an average six-month premium of $4191.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$48
Electric	$291	$50
Cincinnati	$308	$51
Kentucky Farm Bureau	$422	$71
Farm Bureau	$599	$101
Travelers	$735	$124
State Farm	$764	$129
Shelter	$844	$142
USAA	$878	$148
Auto-Owners	$1294	$220
Progressive	$1449	$244
Allstate	$4191	$706

Mount Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Vernon KY. For example, the car insurance in Mount Vernon after a DUI increases to $1192 for a six month policy. While the rate increases by $302 for a six-month policy in the case of a speeding ticket.

Mount Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1391	$232
One Med/PIP claim	$1403	$238
Two Med/PIP claims	$1460	$243
Not-at-fault accident	$1500	$255
One comp claim	$1523	$253
Failure to wear a seat belt	$1540	$262
Failure to show documents	$1591	$265
Two comp claims	$1591	$271
Driving without lights	$1596	$266
Child safety restraint	$1614	$275
Cell phone violation	$1676	$279
Driving with expired registration	$1682	$286
Texting while driving	$1682	$280
Driving too slowly	$1693	$288
Failure to stop at a red light	$1693	$282
Failure to yield	$1693	$288
Speeding 6 - 10 MPH over limit	$1693	$282
Speeding in school zone	$1693	$288
Following too closely	$1699	$283
Illegal turn	$1699	$289
Speeding 11 - 15 MPH over limit	$1699	$283
Wrong way/wrong lane	$1699	$289
Improper passing	$1705	$284
Speeding 16 - 20 MPH over limit	$1705	$290
Speeding 21 - 25 MPH over limit	$1740	$290
In 65 MPH zone	$1751	$298
Passing school bus	$1779	$297
Open container	$1825	$310
At-fault accident - less than $1000	$1859	$310
Operating a vehicle without permission	$1996	$340
At-fault accident - $1000-$2000	$2019	$336
At-fault accident - greater than $2000	$2019	$344
Reckless driving	$2537	$423
Refusal to submit to a chemical test	$2572	$438
DUI	$2583	$430
Driving with a suspended license	$2589	$441
Racing	$2601	$433
Leaving scene of an accident/hit and run	$2628	$447

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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 Vernon 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 Vernon.

The cheapest car insurance premiums in Mount Vernon are offered by Cincinnati at $382 for a six-month policy. However, it can be as expensive as $2172 with companies like AutoOwners.

Mount Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$382	$63
Kentucky Farm Bureau	$508	$86
Travelers	$684	$115
Progressive	$832	$140
Shelter	$838	$141
State Farm	$861	$145
USAA	$970	$163
Allstate	$1848	$311
Farm Bureau	$1876	$313
Auto-Owners	$2172	$370

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 Vernon are offered by Cincinnati at $171. However, it can be as expensive as $2845 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$171	$29
Kentucky Farm Bureau	$205	$35
Auto-Owners Insurance Co	$234	$39
State Farm	$644	$108
Travelers	$696	$117
Shelter	$747	$126
Farm Bureau	$804	$136
Progressive	$935	$157
Auto-Owners	$958	$163
USAA	$1152	$192
Allstate	$2845	$484

Car Insurance Price Trends in Mount Vernon, Kentucky

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

The average cost of full coverage in the Mount Vernon rose by $213 in December compared to $211 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 Vernon rose to $60 in December, compared to $58 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 Mount Vernon?

The car insurance in Mount Vernon is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Vernon?

The cheapest car insurance in Mount Vernon is $71 per month for full coverage.

How much is car insurance in Mount Vernon for teenagers?

Car insurance for teenagers costs $182 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 Vernon?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $165 per month to insure your car in Mount Vernon.

Is car insurance expensive in Mount Vernon?

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

Cheapest Car Insurance Quotes in Mount Vernon

Why you can trust Way?

How Much Is Car Insurance in Mount Vernon

Avg. Car Insurance in Mount Vernon

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Mount Vernon

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Mount Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Vernon, KY

Way's key takeaways about car insurance in Mount Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Vernon

Cheapest Liability Coverage in Mount Vernon, KY

Cheapest Full Coverage Car Insurance in Mount Vernon

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Vernon by Rating Factor

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

Car Insurance Premiums by Age in Mount Vernon

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Vernon

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

Mount Vernon Car Insurance Rates by Violation

Mount Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Vernon after a DUI

Mount Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Car Insurance Price Trends in Mount Vernon, Kentucky

Average Car Insurance Cost in Mount Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Vernon, KY

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

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