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Finding the cheapest car insurance quotes in Muses Mills shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Muses Mills
The car insurance rate in Muses Mills is $899 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $382, making it a popular choice for budget-conscious drivers. Rates in Muses Mills 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.
At $382 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 $418 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 $549
for six months, making it
the third cheapest auto insurance company in Muses Mills.
Muses Mills Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Muses Mills, KY is AutoOwners Insurance Co, offering policies at just $382 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $418.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1045 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Muses Mills drivers find the best deals.
Way's key takeaways about car insurance in Muses Mills
The auto insurance costs in Muses Mills fall around $382 for six
months.
The cheapest auto insurance company in Muses Mills is Cincinnati.
Teen drivers pay the highest rate in Muses Mills at $1227 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 Muses Mills
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 Muses Mills are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Muses Mills. Their Average 6 Month Premium is $131.
Allstate is the most
expensive at $915 for the same
period.
Cheapest Full Coverage Car Insurance in Muses Mills
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 Muses Mills is AutoOwners Insurance Co
at $65 per month and $382
for six months.
Cheapest Full Coverage Car Insurance Quotes in Muses Mills,
KY
Get Your Car Insurance Quote in Muses Mills
Instantly!
Average Car Insurance in Muses Mills 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 Muses Mills, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Muses Mills, 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, Muses Mills's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Muses Mills
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
$870
30s
Auto-Owners
$660
40s
Auto-Owners
$645
50s
Auto-Owners
$616
60s
USAA
$641
70s
State Farm
$714
Cheapest Car Insurance Rates for Teen Drivers in
Muses Mills,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Muses Mills at $28
per
month. At $7286 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Muses Mills.
As young drivers face the highest rates in Muses Mills, USAA
offers the cheapest auto insurance rates at $870 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 Muses Mills,
Cincinnati is
the cheapest car insurance provider. At $224 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
Muses Mills is Allstate, offering
rates of around $4747 for six
months.
Save up to $971/yr on car insurance rates in Muses Mills.
Car Insurance Rates with An Accident in Muses Mills
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 Muses Mills, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Muses Mills
The cheapest car insurance companies after an at-fault accident in
Muses Mills include AutoOwners Insurance Co
and Electric, offering $267
and $267,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3842.
Here is a list of driving violations that can increase your car
insurance rates in Muses Mills KY. For example, the car
insurance in Muses Mills
after a DUI increases to $1093 for a six
month policy. While the rate increases by $277 for a six-month policy in the case of
a speeding ticket.
Muses Mills auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1275
$213
One Med/PIP claim
$1286
$218
Two Med/PIP claims
$1338
$223
Not-at-fault accident
$1375
$234
One comp claim
$1396
$232
Failure to wear a seat belt
$1412
$240
Failure to show documents
$1458
$243
Two comp claims
$1458
$248
Driving without lights
$1463
$244
Child safety restraint
$1479
$252
Cell phone violation
$1536
$256
Driving with expired registration
$1542
$262
Texting while driving
$1542
$257
Driving too slowly
$1552
$264
Failure to stop at a red light
$1552
$259
Failure to yield
$1552
$264
Speeding 6 - 10 MPH over limit
$1552
$259
Speeding in school zone
$1552
$264
Following too closely
$1558
$260
Illegal turn
$1558
$265
Speeding 11 - 15 MPH over limit
$1558
$260
Wrong way/wrong lane
$1558
$265
Improper passing
$1563
$260
Speeding 16 - 20 MPH over limit
$1563
$266
Speeding 21 - 25 MPH over limit
$1595
$266
In 65 MPH zone
$1605
$273
Passing school bus
$1631
$272
Open container
$1673
$284
At-fault accident - less than $1000
$1704
$284
Operating a vehicle without permission
$1830
$312
At-fault accident - $1000-$2000
$1851
$308
At-fault accident - greater than $2000
$1851
$315
Reckless driving
$2326
$388
Refusal to submit to a chemical test
$2358
$401
DUI
$2368
$394
Driving with a suspended license
$2373
$404
Racing
$2384
$397
Leaving scene of an accident/hit and run
$2409
$410
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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 Muses Mills 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 Muses Mills.
The cheapest car insurance premiums in
Muses Mills are
offered by Cincinnati at $350 for a six-month policy.
However, it can be as
expensive as $1991 with companies
like AutoOwners.
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 Muses Mills are offered by Cincinnati
at $157. However,
it can be as expensive as $2608
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Muses Mills after Speeding ticket
Car Insurance Price Trends in Muses Mills,
Kentucky
Car insurance rates in Muses Mills have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Muses Mills rose by
$195 in December
compared to $194 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Muses Mills rose to $55 in December,
compared to $53 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Muses Mills by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Muses Mills. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Muses Mills?
The car insurance in Muses Mills is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Muses Mills?
The cheapest car insurance in Muses Mills
is $65 per month
for full coverage.
How much is car insurance in Muses Mills for teenagers?
Car insurance for teenagers costs $167 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
Muses Mills?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $151 per month to insure your
car in Muses Mills.
Is car insurance expensive in Muses Mills?
Car insurance can be expensive in Muses Mills if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Muses Mills can be
affordable.
What is the best car insurance in Muses Mills,
KY?
The best car insurance company in Muses Mills
KY is
AutoOwners Insurance Co, offering $382 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Muses Mills, KY
Car Insurance Rates by State in the USA (2025 Update)
Muses Mills Car Insurance
