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Finding the cheapest car insurance quotes in Pinsonfork 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 Pinsonfork
The car insurance rate in Pinsonfork is $1359 for a six-month policy, which is $337 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $577, making it a popular choice for budget-conscious drivers. Rates in Pinsonfork 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 $577 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 $632 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 $830
for six months, making it
the third cheapest auto insurance company in Pinsonfork.
Pinsonfork Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pinsonfork, KY is AutoOwners Insurance Co, offering policies at just $577 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $632.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1580 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinsonfork drivers find the best deals.
Way's key takeaways about car insurance in Pinsonfork
The auto insurance costs in Pinsonfork fall around $577 for six
months.
The cheapest auto insurance company in Pinsonfork is Cincinnati.
Teen drivers pay the highest rate in Pinsonfork at $1854 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 Pinsonfork
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 Pinsonfork are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Pinsonfork. Their Average 6 Month Premium is $198.
Allstate is the most
expensive at $1383 for the same
period.
Cheapest Full Coverage Car Insurance in Pinsonfork
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 Pinsonfork is AutoOwners Insurance Co
at $98 per month and $577
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pinsonfork,
KY
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Instantly!
Average Car Insurance in Pinsonfork 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 Pinsonfork, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pinsonfork, 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, Pinsonfork's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pinsonfork
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
$1315
30s
Auto-Owners
$998
40s
Auto-Owners
$975
50s
Auto-Owners
$931
60s
USAA
$968
70s
State Farm
$1079
Cheapest Car Insurance Rates for Teen Drivers in
Pinsonfork,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Pinsonfork at $43
per
month. At $11012 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 Pinsonfork.
As young drivers face the highest rates in Pinsonfork, USAA
offers the cheapest auto insurance rates at $1315 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 Pinsonfork,
Cincinnati is
the cheapest car insurance provider. At $339 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
Pinsonfork is Allstate, offering
rates of around $7174 for six
months.
Save up to $971/yr on car insurance rates in Pinsonfork.
Car Insurance Rates with An Accident in Pinsonfork
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 Pinsonfork, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pinsonfork
The cheapest car insurance companies after an at-fault accident in
Pinsonfork include AutoOwners Insurance Co
and Electric, offering $403
and $403,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5807.
Here is a list of driving violations that can increase your car
insurance rates in Pinsonfork KY. For example, the car
insurance in Pinsonfork
after a DUI increases to $1652 for a six
month policy. While the rate increases by $419 for a six-month policy in the case of
a speeding ticket.
Pinsonfork auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1927
$322
One Med/PIP claim
$1943
$330
Two Med/PIP claims
$2023
$336
Not-at-fault accident
$2077
$354
One comp claim
$2109
$351
Failure to wear a seat belt
$2133
$363
Failure to show documents
$2204
$367
Two comp claims
$2204
$375
Driving without lights
$2212
$368
Child safety restraint
$2236
$380
Cell phone violation
$2322
$387
Driving with expired registration
$2330
$396
Texting while driving
$2330
$388
Driving too slowly
$2346
$399
Failure to stop at a red light
$2346
$391
Failure to yield
$2346
$399
Speeding 6 - 10 MPH over limit
$2346
$391
Speeding in school zone
$2346
$399
Following too closely
$2354
$392
Illegal turn
$2354
$400
Speeding 11 - 15 MPH over limit
$2354
$392
Wrong way/wrong lane
$2354
$400
Improper passing
$2362
$394
Speeding 16 - 20 MPH over limit
$2362
$402
Speeding 21 - 25 MPH over limit
$2410
$402
In 65 MPH zone
$2426
$412
Passing school bus
$2464
$411
Open container
$2528
$430
At-fault accident - less than $1000
$2575
$430
Operating a vehicle without permission
$2765
$471
At-fault accident - $1000-$2000
$2797
$466
At-fault accident - greater than $2000
$2797
$476
Reckless driving
$3515
$587
Refusal to submit to a chemical test
$3563
$606
DUI
$3579
$596
Driving with a suspended license
$3587
$610
Racing
$3603
$600
Leaving scene of an accident/hit and run
$3642
$620
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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 Pinsonfork 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 Pinsonfork.
The cheapest car insurance premiums in
Pinsonfork are
offered by Cincinnati at $529 for a six-month policy.
However, it can be as
expensive as $3010 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 Pinsonfork are offered by Cincinnati
at $237. However,
it can be as expensive as $3942
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pinsonfork after Speeding ticket
Car Insurance Price Trends in Pinsonfork,
Kentucky
Car insurance rates in Pinsonfork have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pinsonfork rose by
$295 in December
compared to $293 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 Pinsonfork rose to $82 in December,
compared to $80 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Pinsonfork 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
Pinsonfork. At $2718 for a
six-month policy, insuring
your car at 41555 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 Pinsonfork?
The car insurance in Pinsonfork is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Pinsonfork?
The cheapest car insurance in Pinsonfork
is $98 per month
for full coverage.
How much is car insurance in Pinsonfork for teenagers?
Car insurance for teenagers costs $253 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
Pinsonfork?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $229 per month to insure your
car in Pinsonfork.
Is car insurance expensive in Pinsonfork?
Car insurance can be expensive in Pinsonfork if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pinsonfork can be
affordable.
What is the best car insurance in Pinsonfork,
KY?
The best car insurance company in Pinsonfork
KY is
AutoOwners Insurance Co, offering $577 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pinsonfork, KY
Car Insurance Rates by State in the USA (2025 Update)
Pinsonfork Car Insurance
