Cheapest Car Insurance Quotes in Petersburg

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Petersburg Car Insurance

^$ 19

/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 Petersburg

The car insurance rate in Petersburg is $839 for a six-month policy, which is $251 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $334, making it a popular choice for budget-conscious drivers. Rates in Petersburg 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 Petersburg

$839

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Petersburg

1st place: AutoOwners Insurance Co

At $334 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 $366 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 $480 for six months, making it the third cheapest auto insurance company in Petersburg.

Petersburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Petersburg, KY is AutoOwners Insurance Co, offering policies at just $334 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $366.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1957 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Petersburg drivers find the best deals.

Cheap Car Insurance Companies in Petersburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$55
Cincinnati	$366	$62
Kentucky Farm Bureau	$480	$81
Travelers	$649	$109
Shelter	$727	$122
USAA	$750	$126
Auto-Owners	$887	$148
Electric	$887	$151
State Farm	$887	$149
Farm Bureau	$933	$159
Progressive	$988	$166
Nationwide	$1066	$179
Allstate	$1957	$326

Key Takeaways

Way's key takeaways about car insurance in Petersburg

The auto insurance costs in Petersburg fall around $334 for six months.
The cheapest auto insurance company in Petersburg is Cincinnati.
Teen drivers pay the highest rate in Petersburg at $984 per month.

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Cheapest Minimum Liability Car Insurance in Petersburg

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 Petersburg are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Petersburg. Their Average 6 Month Premium is $115. Allstate is the most expensive at $732 for the same period.

Cheapest Liability Coverage in Petersburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$115	$19
Auto-Owners Insurance Co	$156	$26
Kentucky Farm Bureau	$174	$29
Electric	$188	$32
USAA	$229	$39
Travelers	$243	$41
Westfield	$256	$44
Farm Bureau	$270	$45
State Farm	$279	$47
Progressive	$306	$52
Shelter	$316	$53
Auto-Owners	$366	$61
Nationwide	$434	$73
Allstate	$732	$122

Cheapest Full Coverage Car Insurance in Petersburg

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 Petersburg is AutoOwners Insurance Co at $55 per month and $334 for six months.

Cheapest Full Coverage Car Insurance Quotes in Petersburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$55
Cincinnati	$366	$62
Kentucky Farm Bureau	$480	$81
Travelers	$649	$109
Shelter	$727	$122
USAA	$750	$126
Auto-Owners	$887	$148
Electric	$887	$151
State Farm	$887	$149
Farm Bureau	$933	$159
Progressive	$988	$166
Nationwide	$1066	$179
Allstate	$1957	$326

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Average Car Insurance in Petersburg 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 Petersburg, KY increasing?

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

Car Insurance Premiums by Age in Petersburg

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	$735
30s	Auto-Owners	$557
40s	Auto-Owners	$544
50s	Auto-Owners	$520
60s	USAA	$541
70s	State Farm	$602

Cheapest Car Insurance Rates for Teen Drivers in Petersburg,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Petersburg at $25 per month. At $5905 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$25
Auto-Owners Insurance Co	$219	$37
Kentucky Farm Bureau	$732	$123
Travelers	$1061	$179
USAA	$1244	$209
Farm Bureau	$1409	$237
Shelter	$1518	$256
State Farm	$1719	$290
Auto-Owners	$2405	$409
Progressive	$3014	$507
Nationwide	$5887	$1001
Allstate	$5905	$984

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 Petersburg.

As young drivers face the highest rates in Petersburg, USAA offers the cheapest auto insurance rates at $735 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 Petersburg, Cincinnati is the cheapest car insurance provider. At $196 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 Petersburg is Allstate, offering rates of around $4153 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Travelers	$892	$150
Progressive	$919	$155
USAA	$1143	$195
Nationwide	$1445	$243
Shelter	$2447	$416
Auto-Owners	$2502	$417
Farm Bureau	$2854	$485
State Farm	$3787	$631
Allstate	$4153	$706

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

Car Insurance Rates with An Accident in Petersburg

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

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

The cheapest car insurance companies after an at-fault accident in Petersburg include AutoOwners Insurance Co and Electric, offering $233 and $233, respectively. Allstate is an expensive provider with an average six-month premium of $2914.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$233	$39
Electric	$233	$40
Cincinnati	$247	$41
Farm Bureau	$311	$53
Kentucky Farm Bureau	$339	$57
Travelers	$622	$105
State Farm	$636	$107
USAA	$681	$115
Shelter	$700	$118
Progressive	$1189	$200
Auto-Owners	$1235	$206
Nationwide	$2548	$434
Allstate	$2914	$486

Petersburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Petersburg KY. For example, the car insurance in Petersburg after a DUI increases to $956 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Petersburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1116	$186
One Med/PIP claim	$1125	$191
Two Med/PIP claims	$1171	$195
Not-at-fault accident	$1203	$205
One comp claim	$1221	$203
Failure to wear a seat belt	$1235	$210
Failure to show documents	$1276	$213
Two comp claims	$1276	$217
Driving without lights	$1281	$213
Child safety restraint	$1294	$220
Cell phone violation	$1344	$224
Driving with expired registration	$1349	$229
Texting while driving	$1349	$225
Driving too slowly	$1358	$231
Failure to stop at a red light	$1358	$226
Failure to yield	$1358	$231
Speeding 6 - 10 MPH over limit	$1358	$226
Speeding in school zone	$1358	$231
Following too closely	$1363	$227
Illegal turn	$1363	$232
Speeding 11 - 15 MPH over limit	$1363	$227
Wrong way/wrong lane	$1363	$232
Improper passing	$1368	$228
Speeding 16 - 20 MPH over limit	$1368	$233
Speeding 21 - 25 MPH over limit	$1395	$233
In 65 MPH zone	$1404	$239
Passing school bus	$1427	$238
Open container	$1464	$249
At-fault accident - less than $1000	$1491	$249
Operating a vehicle without permission	$1601	$273
At-fault accident - $1000-$2000	$1619	$270
At-fault accident - greater than $2000	$1619	$276
Reckless driving	$2035	$340
Refusal to submit to a chemical test	$2063	$351
DUI	$2072	$345
Driving with a suspended license	$2077	$353
Racing	$2086	$347
Leaving scene of an accident/hit and run	$2108	$359

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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 Petersburg 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 Petersburg.

The cheapest car insurance premiums in Petersburg are offered by Cincinnati at $306 for a six-month policy. However, it can be as expensive as $3316 with companies like Nationwide.

Petersburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$306	$52
Allstate	$398	$66
Kentucky Farm Bureau	$407	$69
Travelers	$590	$99
Progressive	$654	$110
Shelter	$705	$119
State Farm	$741	$125
USAA	$860	$145
Auto-Owners	$2035	$346
Farm Bureau	$2209	$368
Nationwide	$3316	$564

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 Petersburg are offered by Cincinnati at $137. However, it can be as expensive as $2282 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Petersburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Kentucky Farm Bureau	$165	$28
Auto-Owners Insurance Co	$188	$32
State Farm	$572	$96
Travelers	$613	$103
Shelter	$641	$108
Progressive	$805	$136
USAA	$837	$142
Auto-Owners	$929	$155
Farm Bureau	$933	$159
Nationwide	$1674	$279
Allstate	$2282	$388

Car Insurance Price Trends in Petersburg, Kentucky

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

The average cost of full coverage in the Petersburg rose by $174 in January compared to $171 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 Petersburg dipped to $47 in January, compared to $48 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 Petersburg?

The car insurance in Petersburg is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Petersburg?

The cheapest car insurance in Petersburg is $55 per month for full coverage.

How much is car insurance in Petersburg for teenagers?

Car insurance for teenagers costs $146 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 Petersburg?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $141 per month to insure your car in Petersburg.

Is car insurance expensive in Petersburg?

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

Cheapest Car Insurance Quotes in Petersburg

Why you can trust Way?

How Much Is Car Insurance in Petersburg

Avg. Car Insurance in Petersburg

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Petersburg

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Petersburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Petersburg, KY

Way's key takeaways about car insurance in Petersburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Petersburg

Cheapest Liability Coverage in Petersburg, KY

Cheapest Full Coverage Car Insurance in Petersburg

Cheapest Full Coverage Car Insurance Quotes in Petersburg, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Petersburg by Rating Factor

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

Car Insurance Premiums by Age in Petersburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Petersburg,KY

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

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 Petersburg

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

Petersburg Car Insurance Rates by Violation

Petersburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Petersburg after a DUI

Petersburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Petersburg after Speeding ticket

Car Insurance Price Trends in Petersburg, Kentucky

Average Car Insurance Cost in Petersburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Petersburg, KY

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

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