Cheapest Car Insurance Quotes in Owenton

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Owenton Car Insurance

^$ 26

/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 Owenton

The car insurance rate in Owenton is $1145 for a six-month policy, which is $55 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $456, making it a popular choice for budget-conscious drivers. Rates in Owenton 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 Owenton

$1145

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Owenton

1st place: AutoOwners Insurance Co

At $456 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 $499 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 $655 for six months, making it the third cheapest auto insurance company in Owenton.

Owenton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Owenton, KY is AutoOwners Insurance Co, offering policies at just $456 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $499.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Owenton drivers find the best deals.

Cheap Car Insurance Companies in Owenton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$456	$76
Cincinnati	$499	$85
Kentucky Farm Bureau	$655	$110
Travelers	$885	$149
Shelter	$991	$167
USAA	$1023	$172
Auto-Owners	$1210	$202
Electric	$1210	$206
State Farm	$1210	$204
Farm Bureau	$1273	$216
Progressive	$1347	$227
Nationwide	$1453	$245
Allstate	$2669	$445

Key Takeaways

Way's key takeaways about car insurance in Owenton

The auto insurance costs in Owenton fall around $456 for six months.
The cheapest auto insurance company in Owenton is Cincinnati.
Teen drivers pay the highest rate in Owenton at $1342 per month.

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Cheapest Minimum Liability Car Insurance in Owenton

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 Owenton are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Owenton. Their Average 6 Month Premium is $156. Allstate is the most expensive at $998 for the same period.

Cheapest Liability Coverage in Owenton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$156	$26
Auto-Owners Insurance Co	$212	$36
Kentucky Farm Bureau	$237	$40
Electric	$256	$43
USAA	$312	$53
Travelers	$331	$56
Westfield	$350	$60
Farm Bureau	$368	$62
State Farm	$380	$64
Progressive	$418	$70
Shelter	$431	$72
Auto-Owners	$499	$83
Nationwide	$592	$100
Allstate	$998	$166

Cheapest Full Coverage Car Insurance in Owenton

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 Owenton is AutoOwners Insurance Co at $76 per month and $456 for six months.

Cheapest Full Coverage Car Insurance Quotes in Owenton, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$456	$76
Cincinnati	$499	$85
Kentucky Farm Bureau	$655	$110
Travelers	$885	$149
Shelter	$991	$167
USAA	$1023	$172
Auto-Owners	$1210	$202
Electric	$1210	$206
State Farm	$1210	$204
Farm Bureau	$1273	$216
Progressive	$1347	$227
Nationwide	$1453	$245
Allstate	$2669	$445

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Average Car Insurance in Owenton 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 Owenton, KY increasing?

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

Car Insurance Premiums by Age in Owenton

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	$1002
30s	Auto-Owners	$759
40s	Auto-Owners	$742
50s	Auto-Owners	$709
60s	USAA	$737
70s	State Farm	$821

Cheapest Car Insurance Rates for Teen Drivers in Owenton,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Owenton at $34 per month. At $8052 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$200	$34
Auto-Owners Insurance Co	$299	$50
Kentucky Farm Bureau	$998	$168
Travelers	$1447	$244
USAA	$1697	$286
Farm Bureau	$1922	$323
Shelter	$2071	$349
State Farm	$2345	$395
Auto-Owners	$3280	$558
Progressive	$4110	$692
Nationwide	$8027	$1365
Allstate	$8052	$1342

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 Owenton.

As young drivers face the highest rates in Owenton, USAA offers the cheapest auto insurance rates at $1002 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 Owenton, Cincinnati is the cheapest car insurance provider. At $268 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 Owenton is Allstate, offering rates of around $5664 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$268	$45
Travelers	$1216	$205
Progressive	$1254	$211
USAA	$1559	$266
Nationwide	$1971	$332
Shelter	$3337	$567
Auto-Owners	$3411	$569
Farm Bureau	$3892	$662
State Farm	$5164	$861
Allstate	$5664	$963

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

Car Insurance Rates with An Accident in Owenton

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

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

The cheapest car insurance companies after an at-fault accident in Owenton include AutoOwners Insurance Co and Electric, offering $318 and $318, respectively. Allstate is an expensive provider with an average six-month premium of $3973.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$53
Electric	$318	$55
Cincinnati	$337	$56
Farm Bureau	$424	$72
Kentucky Farm Bureau	$462	$78
Travelers	$848	$143
State Farm	$867	$146
USAA	$929	$156
Shelter	$954	$161
Progressive	$1621	$273
Auto-Owners	$1684	$280
Nationwide	$3474	$591
Allstate	$3973	$663

Owenton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Owenton KY. For example, the car insurance in Owenton after a DUI increases to $1305 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Owenton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1521	$254
One Med/PIP claim	$1534	$260
Two Med/PIP claims	$1597	$266
Not-at-fault accident	$1640	$279
One comp claim	$1665	$277
Failure to wear a seat belt	$1684	$287
Failure to show documents	$1740	$290
Two comp claims	$1740	$296
Driving without lights	$1746	$291
Child safety restraint	$1765	$300
Cell phone violation	$1833	$306
Driving with expired registration	$1840	$313
Texting while driving	$1840	$307
Driving too slowly	$1852	$315
Failure to stop at a red light	$1852	$309
Failure to yield	$1852	$315
Speeding 6 - 10 MPH over limit	$1852	$309
Speeding in school zone	$1852	$315
Following too closely	$1859	$310
Illegal turn	$1859	$316
Speeding 11 - 15 MPH over limit	$1859	$310
Wrong way/wrong lane	$1859	$316
Improper passing	$1865	$311
Speeding 16 - 20 MPH over limit	$1865	$317
Speeding 21 - 25 MPH over limit	$1903	$317
In 65 MPH zone	$1915	$326
Passing school bus	$1946	$324
Open container	$1996	$339
At-fault accident - less than $1000	$2033	$339
Operating a vehicle without permission	$2183	$372
At-fault accident - $1000-$2000	$2208	$368
At-fault accident - greater than $2000	$2208	$376
Reckless driving	$2775	$463
Refusal to submit to a chemical test	$2813	$479
DUI	$2826	$470
Driving with a suspended license	$2832	$482
Racing	$2844	$474
Leaving scene of an accident/hit and run	$2875	$489

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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 Owenton 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 Owenton.

The cheapest car insurance premiums in Owenton are offered by Cincinnati at $418 for a six-month policy. However, it can be as expensive as $4522 with companies like Nationwide.

Owenton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$418	$71
Allstate	$543	$90
Kentucky Farm Bureau	$555	$95
Travelers	$804	$135
Progressive	$891	$150
Shelter	$961	$162
State Farm	$1010	$170
USAA	$1173	$197
Auto-Owners	$2775	$471
Farm Bureau	$3012	$502
Nationwide	$4522	$769

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 Owenton are offered by Cincinnati at $187. However, it can be as expensive as $3112 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Owenton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$187	$32
Kentucky Farm Bureau	$225	$38
Auto-Owners Insurance Co	$256	$43
State Farm	$780	$131
Travelers	$836	$141
Shelter	$874	$147
Progressive	$1097	$185
USAA	$1141	$194
Auto-Owners	$1266	$211
Farm Bureau	$1273	$216
Nationwide	$2283	$380
Allstate	$3112	$529

Car Insurance Price Trends in Owenton, Kentucky

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

The average cost of full coverage in the Owenton rose by $237 in January compared to $233 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Owenton dipped to $64 in January, compared to $65 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 Owenton?

The car insurance in Owenton is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Owenton?

The cheapest car insurance in Owenton is $76 per month for full coverage.

How much is car insurance in Owenton for teenagers?

Car insurance for teenagers costs $200 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 Owenton?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $192 per month to insure your car in Owenton.

Is car insurance expensive in Owenton?

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

Cheapest Car Insurance Quotes in Owenton

Why you can trust Way?

How Much Is Car Insurance in Owenton

Avg. Car Insurance in Owenton

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Owenton

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Owenton Car Insurance Rates by Company

Cheap Car Insurance Companies in Owenton, KY

Way's key takeaways about car insurance in Owenton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Owenton

Cheapest Liability Coverage in Owenton, KY

Cheapest Full Coverage Car Insurance in Owenton

Cheapest Full Coverage Car Insurance Quotes in Owenton, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Owenton by Rating Factor

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

Car Insurance Premiums by Age in Owenton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Owenton,KY

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

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 Owenton

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

Owenton Car Insurance Rates by Violation

Owenton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Owenton after a DUI

Owenton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Owenton after Speeding ticket

Car Insurance Price Trends in Owenton, Kentucky

Average Car Insurance Cost in Owenton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Owenton, KY

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

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