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Finding the cheapest car insurance quotes in Pendleton 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 Pendleton
The car insurance rate in Pendleton is $910 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Pendleton 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 $386 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 $423 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 $555
for six months, making it
the third cheapest auto insurance company in Pendleton.
Pendleton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pendleton, KY is AutoOwners Insurance Co, offering policies at just $386 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $423.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1057 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pendleton drivers find the best deals.
Way's key takeaways about car insurance in Pendleton
The auto insurance costs in Pendleton fall around $386 for six
months.
The cheapest auto insurance company in Pendleton is Cincinnati.
Teen drivers pay the highest rate in Pendleton at $1241 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 Pendleton
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 Pendleton are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Pendleton. Their Average 6 Month Premium is $133.
Allstate is the most
expensive at $926 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 Pendleton is AutoOwners Insurance Co
at $66 per month and $386
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pendleton,
KY
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Instantly!
Average Car Insurance in Pendleton 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 Pendleton, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pendleton, 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, Pendleton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pendleton
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
$880
30s
Auto-Owners
$668
40s
Auto-Owners
$652
50s
Auto-Owners
$623
60s
USAA
$648
70s
State Farm
$722
Cheapest Car Insurance Rates for Teen Drivers in
Pendleton,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Pendleton at $28
per
month. At $7369 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 Pendleton.
As young drivers face the highest rates in Pendleton, USAA
offers the cheapest auto insurance rates at $880 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 Pendleton,
Cincinnati is
the cheapest car insurance provider. At $227 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
Pendleton is Allstate, offering
rates of around $4801 for six
months.
Save up to $971/yr on car insurance rates in Pendleton.
Car Insurance Rates with An Accident in Pendleton
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 Pendleton, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pendleton
The cheapest car insurance companies after an at-fault accident in
Pendleton include AutoOwners Insurance Co
and Electric, offering $270
and $270,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3886.
Here is a list of driving violations that can increase your car
insurance rates in Pendleton KY. For example, the car
insurance in Pendleton
after a DUI increases to $1105 for a six
month policy. While the rate increases by $280 for a six-month policy in the case of
a speeding ticket.
Pendleton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1290
$215
One Med/PIP claim
$1300
$221
Two Med/PIP claims
$1354
$225
Not-at-fault accident
$1390
$237
One comp claim
$1412
$235
Failure to wear a seat belt
$1428
$243
Failure to show documents
$1475
$246
Two comp claims
$1475
$251
Driving without lights
$1480
$247
Child safety restraint
$1496
$255
Cell phone violation
$1554
$259
Driving with expired registration
$1559
$265
Texting while driving
$1559
$260
Driving too slowly
$1570
$267
Failure to stop at a red light
$1570
$262
Failure to yield
$1570
$267
Speeding 6 - 10 MPH over limit
$1570
$262
Speeding in school zone
$1570
$267
Following too closely
$1575
$263
Illegal turn
$1575
$268
Speeding 11 - 15 MPH over limit
$1575
$263
Wrong way/wrong lane
$1575
$268
Improper passing
$1581
$263
Speeding 16 - 20 MPH over limit
$1581
$269
Speeding 21 - 25 MPH over limit
$1613
$269
In 65 MPH zone
$1623
$276
Passing school bus
$1649
$275
Open container
$1692
$287
At-fault accident - less than $1000
$1723
$287
Operating a vehicle without permission
$1850
$315
At-fault accident - $1000-$2000
$1872
$312
At-fault accident - greater than $2000
$1872
$319
Reckless driving
$2352
$392
Refusal to submit to a chemical test
$2384
$406
DUI
$2395
$399
Driving with a suspended license
$2400
$409
Racing
$2411
$401
Leaving scene of an accident/hit and run
$2437
$415
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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 Pendleton 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 Pendleton.
The cheapest car insurance premiums in
Pendleton are
offered by Cincinnati at $354 for a six-month policy.
However, it can be as
expensive as $2014 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 Pendleton are offered by Cincinnati
at $158. However,
it can be as expensive as $2638
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pendleton after Speeding ticket
Car insurance rates in Pendleton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pendleton rose by
$198 in December
compared to $196 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 Pendleton 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 Pendleton 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
Pendleton. At $1819 for a
six-month policy, insuring
your car at 40055 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 Pendleton?
The car insurance in Pendleton is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Pendleton?
The cheapest car insurance in Pendleton
is $66 per month
for full coverage.
How much is car insurance in Pendleton for teenagers?
Car insurance for teenagers costs $169 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
Pendleton?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $153 per month to insure your
car in Pendleton.
Is car insurance expensive in Pendleton?
Car insurance can be expensive in Pendleton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pendleton can be
affordable.
What is the best car insurance in Pendleton,
KY?
The best car insurance company in Pendleton
KY is
AutoOwners Insurance Co, offering $386 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pendleton, KY
Car Insurance Rates by State in the USA (2025 Update)
Pendleton Car Insurance
