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Finding the cheapest car insurance quotes in Nerinx 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 Nerinx
The car insurance rate in Nerinx is $1022 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Nerinx 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 $434 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 $475 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 $624
for six months, making it
the third cheapest auto insurance company in Nerinx.
Nerinx Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Nerinx, KY is AutoOwners Insurance Co, offering policies at just $434 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $475.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1188 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nerinx drivers find the best deals.
The auto insurance costs in Nerinx fall around $434 for six
months.
The cheapest auto insurance company in Nerinx is Cincinnati.
Teen drivers pay the highest rate in Nerinx at $1394 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 Nerinx
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 Nerinx are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Nerinx. Their Average 6 Month Premium is $149.
Allstate is the most
expensive at $1040 for the same
period.
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 Nerinx is AutoOwners Insurance Co
at $74 per month and $434
for six months.
Cheapest Full Coverage Car Insurance Quotes in Nerinx,
KY
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 Nerinx, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Nerinx, 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, Nerinx's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Nerinx
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
$989
30s
Auto-Owners
$750
40s
Auto-Owners
$733
50s
Auto-Owners
$700
60s
USAA
$728
70s
State Farm
$811
Cheapest Car Insurance Rates for Teen Drivers in
Nerinx,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Nerinx at $32
per
month. At $8280 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 Nerinx.
As young drivers face the highest rates in Nerinx, USAA
offers the cheapest auto insurance rates at $989 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 Nerinx,
Cincinnati is
the cheapest car insurance provider. At $255 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
Nerinx is Allstate, offering
rates of around $5394 for six
months.
Save up to $971/yr on car insurance rates in Nerinx.
Car Insurance Rates with An Accident in Nerinx
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 Nerinx, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Nerinx
The cheapest car insurance companies after an at-fault accident in
Nerinx include AutoOwners Insurance Co
and Electric, offering $303
and $303,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4366.
Here is a list of driving violations that can increase your car
insurance rates in Nerinx KY. For example, the car
insurance in Nerinx
after a DUI increases to $1242 for a six
month policy. While the rate increases by $315 for a six-month policy in the case of
a speeding ticket.
Nerinx auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1449
$242
One Med/PIP claim
$1461
$248
Two Med/PIP claims
$1521
$253
Not-at-fault accident
$1562
$266
One comp claim
$1586
$264
Failure to wear a seat belt
$1604
$273
Failure to show documents
$1657
$276
Two comp claims
$1657
$282
Driving without lights
$1663
$277
Child safety restraint
$1681
$286
Cell phone violation
$1746
$291
Driving with expired registration
$1752
$298
Texting while driving
$1752
$292
Driving too slowly
$1764
$300
Failure to stop at a red light
$1764
$294
Failure to yield
$1764
$300
Speeding 6 - 10 MPH over limit
$1764
$294
Speeding in school zone
$1764
$300
Following too closely
$1770
$295
Illegal turn
$1770
$301
Speeding 11 - 15 MPH over limit
$1770
$295
Wrong way/wrong lane
$1770
$301
Improper passing
$1776
$296
Speeding 16 - 20 MPH over limit
$1776
$302
Speeding 21 - 25 MPH over limit
$1812
$302
In 65 MPH zone
$1824
$310
Passing school bus
$1853
$309
Open container
$1901
$323
At-fault accident - less than $1000
$1936
$323
Operating a vehicle without permission
$2079
$354
At-fault accident - $1000-$2000
$2103
$350
At-fault accident - greater than $2000
$2103
$358
Reckless driving
$2643
$441
Refusal to submit to a chemical test
$2679
$456
DUI
$2691
$448
Driving with a suspended license
$2697
$459
Racing
$2709
$451
Leaving scene of an accident/hit and run
$2738
$466
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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 Nerinx 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 Nerinx.
The cheapest car insurance premiums in
Nerinx are
offered by Cincinnati at $398 for a six-month policy.
However, it can be as
expensive as $2263 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 Nerinx are offered by Cincinnati
at $178. However,
it can be as expensive as $2964
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Nerinx after Speeding ticket
Car insurance rates in Nerinx have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Nerinx rose by
$222 in December
compared to $220 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 Nerinx rose to $62 in December,
compared to $60 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Nerinx. At $2044 for a
six-month policy, insuring
your car at 40049 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 Nerinx?
The car insurance in Nerinx is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Nerinx?
The cheapest car insurance in Nerinx
is $74 per month
for full coverage.
How much is car insurance in Nerinx for teenagers?
Car insurance for teenagers costs $190 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
Nerinx?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $172 per month to insure your
car in Nerinx.
Is car insurance expensive in Nerinx?
Car insurance can be expensive in Nerinx if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Nerinx can be
affordable.
What is the best car insurance in Nerinx,
KY?
The best car insurance company in Nerinx
KY is
AutoOwners Insurance Co, offering $434 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Nerinx, KY
Car Insurance Rates by State in the USA (2025 Update)
Nerinx Car Insurance
