We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Renfro Valley 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 Renfro Valley
The car insurance rate in Renfro Valley is $1186 for a six-month policy, which is $164 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $503, making it a popular choice for budget-conscious drivers. Rates in Renfro Valley 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 $503 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 $551 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 $724
for six months, making it
the third cheapest auto insurance company in Renfro Valley.
Renfro Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Renfro Valley, KY is AutoOwners Insurance Co, offering policies at just $503 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $551.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1378 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Renfro Valley drivers find the best deals.
Cheap Car Insurance Companies in Renfro Valley, KY
Way's key takeaways about car insurance in Renfro Valley
The auto insurance costs in Renfro Valley fall around $503 for six
months.
The cheapest auto insurance company in Renfro Valley is Cincinnati.
Teen drivers pay the highest rate in Renfro Valley at $1617 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 Renfro Valley
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 Renfro Valley are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Renfro Valley. Their Average 6 Month Premium is $173.
Allstate is the most
expensive at $1206 for the same
period.
Cheapest Full Coverage Car Insurance in Renfro Valley
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 Renfro Valley is AutoOwners Insurance Co
at $86 per month and $503
for six months.
Cheapest Full Coverage Car Insurance Quotes in Renfro Valley,
KY
Get Your Car Insurance Quote in Renfro Valley
Instantly!
Average Car Insurance in Renfro Valley 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 Renfro Valley, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Renfro Valley, 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, Renfro Valley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Renfro Valley
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
$1147
30s
Auto-Owners
$870
40s
Auto-Owners
$850
50s
Auto-Owners
$812
60s
USAA
$844
70s
State Farm
$941
Cheapest Car Insurance Rates for Teen Drivers in
Renfro Valley,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Renfro Valley at $37
per
month. At $9605 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 Renfro Valley.
As young drivers face the highest rates in Renfro Valley, USAA
offers the cheapest auto insurance rates at $1147 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 Renfro Valley,
Cincinnati is
the cheapest car insurance provider. At $296 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
Renfro Valley is Allstate, offering
rates of around $6257 for six
months.
Save up to $971/yr on car insurance rates in Renfro Valley.
Car Insurance Rates with An Accident in Renfro Valley
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 Renfro Valley, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Renfro Valley
The cheapest car insurance companies after an at-fault accident in
Renfro Valley include AutoOwners Insurance Co
and Electric, offering $351
and $351,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5065.
Here is a list of driving violations that can increase your car
insurance rates in Renfro Valley KY. For example, the car
insurance in Renfro Valley
after a DUI increases to $1441 for a six
month policy. While the rate increases by $365 for a six-month policy in the case of
a speeding ticket.
Renfro Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1681
$281
One Med/PIP claim
$1695
$288
Two Med/PIP claims
$1764
$293
Not-at-fault accident
$1812
$309
One comp claim
$1840
$306
Failure to wear a seat belt
$1861
$317
Failure to show documents
$1922
$320
Two comp claims
$1922
$327
Driving without lights
$1929
$321
Child safety restraint
$1950
$332
Cell phone violation
$2025
$338
Driving with expired registration
$2032
$346
Texting while driving
$2032
$339
Driving too slowly
$2046
$348
Failure to stop at a red light
$2046
$341
Failure to yield
$2046
$348
Speeding 6 - 10 MPH over limit
$2046
$341
Speeding in school zone
$2046
$348
Following too closely
$2053
$342
Illegal turn
$2053
$349
Speeding 11 - 15 MPH over limit
$2053
$342
Wrong way/wrong lane
$2053
$349
Improper passing
$2060
$343
Speeding 16 - 20 MPH over limit
$2060
$350
Speeding 21 - 25 MPH over limit
$2102
$350
In 65 MPH zone
$2116
$360
Passing school bus
$2149
$358
Open container
$2205
$375
At-fault accident - less than $1000
$2246
$375
Operating a vehicle without permission
$2412
$411
At-fault accident - $1000-$2000
$2439
$406
At-fault accident - greater than $2000
$2439
$415
Reckless driving
$3066
$512
Refusal to submit to a chemical test
$3108
$529
DUI
$3122
$520
Driving with a suspended license
$3129
$532
Racing
$3142
$523
Leaving scene of an accident/hit and run
$3176
$541
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Renfro Valley 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 Renfro Valley.
The cheapest car insurance premiums in
Renfro Valley are
offered by Cincinnati at $462 for a six-month policy.
However, it can be as
expensive as $2625 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 Renfro Valley are offered by Cincinnati
at $206. However,
it can be as expensive as $3438
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Renfro Valley after Speeding ticket
Car Insurance Price Trends in Renfro Valley,
Kentucky
Car insurance rates in Renfro Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Renfro Valley rose by
$258 in December
compared to $255 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Renfro Valley rose to $72 in December,
compared to $70 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Renfro Valley 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
Renfro Valley. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Renfro Valley?
The car insurance in Renfro Valley is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Renfro Valley?
The cheapest car insurance in Renfro Valley
is $86 per month
for full coverage.
How much is car insurance in Renfro Valley for teenagers?
Car insurance for teenagers costs $220 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
Renfro Valley?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $200 per month to insure your
car in Renfro Valley.
Is car insurance expensive in Renfro Valley?
Car insurance can be expensive in Renfro Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Renfro Valley can be
affordable.
What is the best car insurance in Renfro Valley,
KY?
The best car insurance company in Renfro Valley
KY is
AutoOwners Insurance Co, offering $503 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Renfro Valley right now.
Find Car Insurance Rates in Cities Near Renfro Valley, KY
Car Insurance Rates by State in the USA (2025 Update)
Renfro Valley Car Insurance
