Cheapest Car Insurance Quotes in Nicholasville

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Nicholasville 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 Nicholasville

The car insurance rate in Nicholasville is $872 for a six-month policy, which is $218 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $347, making it a popular choice for budget-conscious drivers. Rates in Nicholasville 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 Nicholasville

$872

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Nicholasville

1st place: AutoOwners Insurance Co

At $347 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 $380 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 $499 for six months, making it the third cheapest auto insurance company in Nicholasville.

Nicholasville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nicholasville, KY is AutoOwners Insurance Co, offering policies at just $347 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $380.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nicholasville drivers find the best deals.

Cheap Car Insurance Companies in Nicholasville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$58
Cincinnati	$380	$65
Kentucky Farm Bureau	$499	$84
Travelers	$674	$114
Shelter	$755	$127
USAA	$779	$131
Auto-Owners	$922	$154
Electric	$922	$157
State Farm	$922	$155
Farm Bureau	$970	$165
Progressive	$1026	$173
Nationwide	$1107	$186
Allstate	$2034	$339

Key Takeaways

Way's key takeaways about car insurance in Nicholasville

The auto insurance costs in Nicholasville fall around $347 for six months.
The cheapest auto insurance company in Nicholasville is Cincinnati.
Teen drivers pay the highest rate in Nicholasville at $1022 per month.

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Cheapest Minimum Liability Car Insurance in Nicholasville

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 Nicholasville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Nicholasville. Their Average 6 Month Premium is $119. Allstate is the most expensive at $760 for the same period.

Cheapest Liability Coverage in Nicholasville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$119	$20
Auto-Owners Insurance Co	$162	$27
Kentucky Farm Bureau	$181	$30
Electric	$195	$33
USAA	$238	$40
Travelers	$252	$42
Westfield	$266	$46
Farm Bureau	$280	$47
State Farm	$290	$49
Progressive	$318	$54
Shelter	$328	$55
Auto-Owners	$380	$63
Nationwide	$451	$76
Allstate	$760	$126

Cheapest Full Coverage Car Insurance in Nicholasville

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 Nicholasville is AutoOwners Insurance Co at $58 per month and $347 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nicholasville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$58
Cincinnati	$380	$65
Kentucky Farm Bureau	$499	$84
Travelers	$674	$114
Shelter	$755	$127
USAA	$779	$131
Auto-Owners	$922	$154
Electric	$922	$157
State Farm	$922	$155
Farm Bureau	$970	$165
Progressive	$1026	$173
Nationwide	$1107	$186
Allstate	$2034	$339

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Average Car Insurance in Nicholasville 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 Nicholasville, KY increasing?

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

Car Insurance Premiums by Age in Nicholasville

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	$763
30s	Auto-Owners	$578
40s	Auto-Owners	$566
50s	Auto-Owners	$540
60s	USAA	$562
70s	State Farm	$626

Cheapest Car Insurance Rates for Teen Drivers in Nicholasville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Nicholasville at $26 per month. At $6135 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$152	$26
Auto-Owners Insurance Co	$228	$38
Kentucky Farm Bureau	$760	$128
Travelers	$1102	$186
USAA	$1293	$218
Farm Bureau	$1464	$246
Shelter	$1578	$266
State Farm	$1786	$301
Auto-Owners	$2499	$425
Progressive	$3131	$527
Nationwide	$6116	$1040
Allstate	$6135	$1022

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 Nicholasville.

As young drivers face the highest rates in Nicholasville, USAA offers the cheapest auto insurance rates at $763 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 Nicholasville, Cincinnati is the cheapest car insurance provider. At $204 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 Nicholasville is Allstate, offering rates of around $4315 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$204	$34
Travelers	$926	$156
Progressive	$955	$161
USAA	$1188	$202
Nationwide	$1502	$253
Shelter	$2542	$432
Auto-Owners	$2599	$434
Farm Bureau	$2966	$504
State Farm	$3934	$656
Allstate	$4315	$734

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Nicholasville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Nicholasville

The cheapest car insurance companies after an at-fault accident in Nicholasville include AutoOwners Insurance Co and Electric, offering $242 and $242, respectively. Allstate is an expensive provider with an average six-month premium of $3027.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$40
Electric	$242	$42
Cincinnati	$257	$42
Farm Bureau	$323	$55
Kentucky Farm Bureau	$352	$59
Travelers	$646	$109
State Farm	$661	$111
USAA	$708	$119
Shelter	$727	$122
Progressive	$1235	$208
Auto-Owners	$1283	$214
Nationwide	$2647	$450
Allstate	$3027	$505

Nicholasville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nicholasville KY. For example, the car insurance in Nicholasville after a DUI increases to $994 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Nicholasville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1159	$194
One Med/PIP claim	$1169	$198
Two Med/PIP claims	$1217	$202
Not-at-fault accident	$1250	$213
One comp claim	$1269	$211
Failure to wear a seat belt	$1283	$218
Failure to show documents	$1326	$221
Two comp claims	$1326	$226
Driving without lights	$1330	$222
Child safety restraint	$1345	$229
Cell phone violation	$1397	$233
Driving with expired registration	$1402	$238
Texting while driving	$1402	$234
Driving too slowly	$1411	$240
Failure to stop at a red light	$1411	$235
Failure to yield	$1411	$240
Speeding 6 - 10 MPH over limit	$1411	$235
Speeding in school zone	$1411	$240
Following too closely	$1416	$236
Illegal turn	$1416	$241
Speeding 11 - 15 MPH over limit	$1416	$236
Wrong way/wrong lane	$1416	$241
Improper passing	$1421	$237
Speeding 16 - 20 MPH over limit	$1421	$242
Speeding 21 - 25 MPH over limit	$1450	$242
In 65 MPH zone	$1459	$248
Passing school bus	$1482	$247
Open container	$1521	$258
At-fault accident - less than $1000	$1549	$258
Operating a vehicle without permission	$1663	$283
At-fault accident - $1000-$2000	$1682	$280
At-fault accident - greater than $2000	$1682	$286
Reckless driving	$2114	$353
Refusal to submit to a chemical test	$2143	$365
DUI	$2153	$358
Driving with a suspended license	$2158	$367
Racing	$2167	$361
Leaving scene of an accident/hit and run	$2190	$373

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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 Nicholasville 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 Nicholasville.

The cheapest car insurance premiums in Nicholasville are offered by Cincinnati at $318 for a six-month policy. However, it can be as expensive as $3446 with companies like Nationwide.

Nicholasville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$318	$54
Allstate	$414	$69
Kentucky Farm Bureau	$423	$72
Travelers	$613	$103
Progressive	$679	$114
Shelter	$732	$123
State Farm	$770	$130
USAA	$894	$150
Auto-Owners	$2114	$359
Farm Bureau	$2295	$382
Nationwide	$3446	$586

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 Nicholasville are offered by Cincinnati at $142. However, it can be as expensive as $2371 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Nicholasville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$142	$24
Kentucky Farm Bureau	$171	$29
Auto-Owners Insurance Co	$195	$33
State Farm	$594	$100
Travelers	$637	$107
Shelter	$666	$112
Progressive	$836	$141
USAA	$870	$148
Auto-Owners	$965	$161
Farm Bureau	$970	$165
Nationwide	$1739	$290
Allstate	$2371	$403

Car Insurance Price Trends in Nicholasville, Kentucky

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

The average cost of full coverage in the Nicholasville rose by $181 in January compared to $178 of December. In other words, there has been an increase by $3 when you compare January and December.

The average cost of liability insurance in the Nicholasville dipped to $49 in January, compared to $50 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Nicholasville?

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

What is the cheapest car insurance in Nicholasville?

The cheapest car insurance in Nicholasville is $58 per month for full coverage.

How much is car insurance in Nicholasville for teenagers?

Car insurance for teenagers costs $152 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 Nicholasville?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $146 per month to insure your car in Nicholasville.

Is car insurance expensive in Nicholasville?

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

Cheapest Car Insurance Quotes in Nicholasville

Why you can trust Way?

How Much Is Car Insurance in Nicholasville

Avg. Car Insurance in Nicholasville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Nicholasville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Nicholasville Car Insurance Rates by Company

Cheap Car Insurance Companies in Nicholasville, KY

Way's key takeaways about car insurance in Nicholasville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nicholasville

Cheapest Liability Coverage in Nicholasville, KY

Cheapest Full Coverage Car Insurance in Nicholasville

Cheapest Full Coverage Car Insurance Quotes in Nicholasville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nicholasville by Rating Factor

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

Car Insurance Premiums by Age in Nicholasville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nicholasville,KY

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

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 Nicholasville

Cheapest Car Insurance Companies after an At-Fault Accident in Nicholasville

Nicholasville Car Insurance Rates by Violation

Nicholasville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nicholasville after a DUI

Nicholasville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nicholasville after Speeding ticket

Car Insurance Price Trends in Nicholasville, Kentucky

Average Car Insurance Cost in Nicholasville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nicholasville, KY

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

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