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Cheapest Car Insurance Quotes in Ravenna

  • Finding the cheapest car insurance quotes in Ravenna 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.
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399,755 Policies Sold
Ravenna Car Insurance
$ 25

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Sara Sam
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.

How Much Is Car Insurance in Ravenna

The car insurance rate in Ravenna is $1032 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Ravenna 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 Ravenna

$1032

National Average

$1140

Cheapest Car Insurance Companies in Ravenna

1st place: AutoOwners Insurance Co

At $438 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 $480 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 $630 for six months, making it the third cheapest auto insurance company in Ravenna.

Ravenna Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ravenna, KY is AutoOwners Insurance Co, offering policies at just $438 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $480.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ravenna drivers find the best deals.

Cheap Car Insurance Companies in Ravenna, KY

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $438 $75
Cincinnati $480 $80
Kentucky Farm Bureau $630 $106
Travelers $822 $138
Farm Bureau $846 $143
Shelter $924 $156
Auto-Owners $990 $169
Nationwide $996 $168
USAA $1008 $170
State Farm $1122 $189
Electric $1164 $198
Progressive $1296 $218
Allstate $2544 $428
Grange $1200 $200
Key Takeaways

Way's key takeaways about car insurance in Ravenna

  • The auto insurance costs in Ravenna fall around $438 for six months. 
  • The cheapest auto insurance company in Ravenna is Cincinnati.
  • Teen drivers pay the highest rate in Ravenna at $1408 per month.

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Cheapest Minimum Liability Car Insurance in Ravenna

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 Ravenna are given below. 

Cincinnati provides the cheapest minimum car insurance coverage in Ravenna. Their Average 6 Month Premium is $150. Allstate is the most expensive at $1050 for the same period. 

Cheapest Liability Coverage in Ravenna, KY

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Cincinnati $150 $25
Auto-Owners Insurance Co $204 $34
Kentucky Farm Bureau $228 $38
Electric $246 $41
Nationwide $288 $48
USAA $300 $51
Farm Bureau $312 $53
Travelers $324 $55
Westfield $336 $56
State Farm $348 $59
Progressive $384 $65
Shelter $408 $69
Auto-Owners $450 $75
Allstate $1050 $177

Cheapest Full Coverage Car Insurance in Ravenna

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 Ravenna is AutoOwners Insurance Co at $75 per month and $438 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Ravenna, KY

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $438 $75
Cincinnati $480 $80
Kentucky Farm Bureau $630 $106
Travelers $822 $138
Farm Bureau $846 $143
Shelter $924 $156
Auto-Owners $990 $169
Nationwide $996 $168
USAA $1008 $170
State Farm $1122 $189
Electric $1164 $198
Progressive $1296 $218
Allstate $2544 $428
Grange $1200 $200

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Average Car Insurance in Ravenna 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 Ravenna, KY increasing?

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

Car Insurance Premiums by Age in Ravenna

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 $999
30s Auto-Owners $758
40s Auto-Owners $740
50s Auto-Owners $707
60s USAA $735
70s State Farm $819

Cheapest Car Insurance Rates for Teen Drivers in Ravenna,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Ravenna at $32 per month. At $8363 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Cincinnati $192 $32
Auto-Owners Insurance Co $288 $48
Kentucky Farm Bureau $960 $162
Travelers $1296 $218
Farm Bureau $1320 $222
USAA $1518 $256
Shelter $1902 $320
State Farm $2153 $363
Auto-Owners $3000 $500
Progressive $4020 $677
Allstate $8363 $1408

Teen Car Insurance Rates in KY by Age

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Way Tip

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

As young drivers face the highest rates in Ravenna, USAA offers the cheapest auto insurance rates at $999 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 Ravenna, Cincinnati is the cheapest car insurance provider. At $258 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 Ravenna is Allstate, offering rates of around $5448 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Cincinnati $258 $43
Nationwide $384 $66
Travelers $1080 $182
Progressive $1236 $208
USAA $1986 $331
Farm Bureau $2586 $439
Auto-Owners $2867 $478
Shelter $2940 $500
State Farm $3906 $650
Allstate $5448 $926

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Car Insurance Rates with An Accident in Ravenna

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

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

The cheapest car insurance companies after an at-fault accident in Ravenna include AutoOwners Insurance Co and Electric, offering $306 and $306, respectively. Allstate is an expensive provider with an average six-month premium of $4410.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $306 $51
Electric $306 $53
Cincinnati $324 $54
Kentucky Farm Bureau $444 $75
Farm Bureau $630 $106
Travelers $774 $130
State Farm $804 $135
Shelter $888 $149
USAA $924 $156
Auto-Owners $1361 $231
Progressive $1524 $257
Allstate $4410 $742

Ravenna Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ravenna KY. For example, the car insurance in Ravenna after a DUI increases to $1255 for a six month policy. While the rate increases by $319 for a six-month policy in the case of a speeding ticket.  

Ravenna auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $1463 $244
One Med/PIP claim $1476 $250
Two Med/PIP claims $1536 $256
Not-at-fault accident $1578 $269
One comp claim $1602 $267
Failure to wear a seat belt $1620 $276
Failure to show documents $1674 $279
Two comp claims $1674 $285
Driving without lights $1680 $280
Child safety restraint $1698 $289
Cell phone violation $1763 $294
Driving with expired registration $1770 $301
Texting while driving $1770 $295
Driving too slowly $1782 $303
Failure to stop at a red light $1782 $297
Failure to yield $1782 $303
Speeding 6 - 10 MPH over limit $1782 $297
Speeding in school zone $1782 $303
Following too closely $1788 $298
Illegal turn $1788 $304
Speeding 11 - 15 MPH over limit $1788 $298
Wrong way/wrong lane $1788 $304
Improper passing $1794 $299
Speeding 16 - 20 MPH over limit $1794 $305
Speeding 21 - 25 MPH over limit $1830 $305
In 65 MPH zone $1842 $313
Passing school bus $1872 $312
Open container $1920 $326
At-fault accident - less than $1000 $1955 $326
Operating a vehicle without permission $2100 $358
At-fault accident - $1000-$2000 $2124 $354
At-fault accident - greater than $2000 $2124 $362
Reckless driving $2669 $445
Refusal to submit to a chemical test $2706 $461
DUI $2718 $452
Driving with a suspended license $2724 $464
Racing $2736 $456
Leaving scene of an accident/hit and run $2765 $471

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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 Ravenna 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 Ravenna.

The cheapest car insurance premiums in Ravenna are offered by Cincinnati at $402 for a six-month policy. However, it can be as expensive as $2286 with companies like AutoOwners.

Ravenna car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Cincinnati $402 $67
Kentucky Farm Bureau $534 $91
Travelers $720 $121
Progressive $876 $147
Shelter $882 $148
State Farm $906 $153
USAA $1020 $172
Allstate $1944 $327
Farm Bureau $1974 $329
Auto-Owners $2286 $389

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 Ravenna are offered by Cincinnati at $180. However, it can be as expensive as $2994 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ravenna after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Cincinnati $180 $30
Kentucky Farm Bureau $216 $36
Auto-Owners Insurance Co $246 $41
State Farm $678 $114
Travelers $732 $123
Shelter $786 $132
Farm Bureau $846 $143
Progressive $984 $166
Auto-Owners $1008 $172
USAA $1212 $202
Allstate $2994 $509

Car Insurance Price Trends in Ravenna, Kentucky

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

The average cost of full coverage in the Ravenna rose by $224 in December compared to $222 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 Ravenna rose to $63 in December, compared to $61 in November. This represents an increase of $2 when comparing December and November.


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Frequently Asked Questions

How much is car insurance in Ravenna?

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The car insurance in Ravenna is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Ravenna?

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The cheapest car insurance in Ravenna is $75 per month for full coverage.

How much is car insurance in Ravenna for teenagers?

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Car insurance for teenagers costs $192 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 Ravenna?

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The average cost of car insurance is $1022 for a six-month policy. It will cost around $174 per month to insure your car in Ravenna.

Is car insurance expensive in Ravenna?

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

What is the best car insurance in Ravenna, KY?

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The best car insurance company in Ravenna KY is AutoOwners Insurance Co, offering $438 for a six-month policy.

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