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Finding the cheapest car insurance quotes in Roxana 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 Roxana
The car insurance rate in Roxana is $1237 for a six-month policy, which is $215 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $525, making it a popular choice for budget-conscious drivers. Rates in Roxana 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 $525 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 $575 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 $755
for six months, making it
the third cheapest auto insurance company in Roxana.
Roxana Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Roxana, KY is AutoOwners Insurance Co, offering policies at just $525 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $575.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1437 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roxana drivers find the best deals.
The auto insurance costs in Roxana fall around $525 for six
months.
The cheapest auto insurance company in Roxana is Cincinnati.
Teen drivers pay the highest rate in Roxana at $1687 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 Roxana
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 Roxana are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Roxana. Their Average 6 Month Premium is $180.
Allstate is the most
expensive at $1258 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 Roxana is AutoOwners Insurance Co
at $90 per month and $525
for six months.
Cheapest Full Coverage Car Insurance Quotes in Roxana,
KY
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 Roxana, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Roxana, 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, Roxana's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Roxana
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
$1197
30s
Auto-Owners
$908
40s
Auto-Owners
$887
50s
Auto-Owners
$847
60s
USAA
$881
70s
State Farm
$981
Cheapest Car Insurance Rates for Teen Drivers in
Roxana,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Roxana at $39
per
month. At $10019 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 Roxana.
As young drivers face the highest rates in Roxana, USAA
offers the cheapest auto insurance rates at $1197 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 Roxana,
Cincinnati is
the cheapest car insurance provider. At $309 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
Roxana is Allstate, offering
rates of around $6527 for six
months.
Save up to $971/yr on car insurance rates in Roxana.
Car Insurance Rates with An Accident in Roxana
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 Roxana, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Roxana
The cheapest car insurance companies after an at-fault accident in
Roxana include AutoOwners Insurance Co
and Electric, offering $367
and $367,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5283.
Here is a list of driving violations that can increase your car
insurance rates in Roxana KY. For example, the car
insurance in Roxana
after a DUI increases to $1503 for a six
month policy. While the rate increases by $381 for a six-month policy in the case of
a speeding ticket.
Roxana auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1753
$293
One Med/PIP claim
$1768
$300
Two Med/PIP claims
$1840
$306
Not-at-fault accident
$1890
$322
One comp claim
$1919
$319
Failure to wear a seat belt
$1941
$330
Failure to show documents
$2005
$334
Two comp claims
$2005
$341
Driving without lights
$2012
$335
Child safety restraint
$2034
$346
Cell phone violation
$2113
$352
Driving with expired registration
$2120
$361
Texting while driving
$2120
$353
Driving too slowly
$2134
$363
Failure to stop at a red light
$2134
$356
Failure to yield
$2134
$363
Speeding 6 - 10 MPH over limit
$2134
$356
Speeding in school zone
$2134
$363
Following too closely
$2142
$357
Illegal turn
$2142
$364
Speeding 11 - 15 MPH over limit
$2142
$357
Wrong way/wrong lane
$2142
$364
Improper passing
$2149
$358
Speeding 16 - 20 MPH over limit
$2149
$365
Speeding 21 - 25 MPH over limit
$2193
$365
In 65 MPH zone
$2207
$375
Passing school bus
$2242
$374
Open container
$2300
$391
At-fault accident - less than $1000
$2343
$391
Operating a vehicle without permission
$2516
$428
At-fault accident - $1000-$2000
$2545
$424
At-fault accident - greater than $2000
$2545
$433
Reckless driving
$3198
$534
Refusal to submit to a chemical test
$3242
$552
DUI
$3256
$542
Driving with a suspended license
$3263
$555
Racing
$3278
$546
Leaving scene of an accident/hit and run
$3313
$564
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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 Roxana 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 Roxana.
The cheapest car insurance premiums in
Roxana are
offered by Cincinnati at $482 for a six-month policy.
However, it can be as
expensive as $2738 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 Roxana are offered by Cincinnati
at $215. However,
it can be as expensive as $3586
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Roxana after Speeding ticket
Car insurance rates in Roxana have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Roxana rose by
$269 in December
compared to $266 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 Roxana rose to $75 in December,
compared to $73 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Roxana. 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
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Frequently Asked Questions
How much is car insurance in Roxana?
The car insurance in Roxana is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Roxana?
The cheapest car insurance in Roxana
is $90 per month
for full coverage.
How much is car insurance in Roxana for teenagers?
Car insurance for teenagers costs $230 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
Roxana?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $208 per month to insure your
car in Roxana.
Is car insurance expensive in Roxana?
Car insurance can be expensive in Roxana if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Roxana can be
affordable.
What is the best car insurance in Roxana,
KY?
The best car insurance company in Roxana
KY is
AutoOwners Insurance Co, offering $525 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Roxana, KY
Car Insurance Rates by State in the USA (2025 Update)
Roxana Car Insurance
