Cheapest Car Insurance Quotes in Russell

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Russell Car Insurance

^$ 21

/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 Russell

The car insurance rate in Russell is $848 for a six-month policy, which is $174 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, making it a popular choice for budget-conscious drivers. Rates in Russell 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 Russell

$848

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Russell

1st place: AutoOwners Insurance Co

At $360 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 $394 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 $518 for six months, making it the third cheapest auto insurance company in Russell.

Russell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Russell, KY is AutoOwners Insurance Co, offering policies at just $360 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $394.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $986 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Russell drivers find the best deals.

Cheap Car Insurance Companies in Russell, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$61
Cincinnati	$394	$66
Kentucky Farm Bureau	$518	$87
Travelers	$676	$114
Farm Bureau	$696	$118
Shelter	$759	$128
Auto-Owners	$813	$139
Nationwide	$818	$138
USAA	$828	$139
State Farm	$922	$155
Electric	$956	$163
Progressive	$1065	$179
Allstate	$2091	$352
Grange	$986	$164

Key Takeaways

Way's key takeaways about car insurance in Russell

The auto insurance costs in Russell fall around $360 for six months.
The cheapest auto insurance company in Russell is Cincinnati.
Teen drivers pay the highest rate in Russell at $1157 per month.

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Cheapest Minimum Liability Car Insurance in Russell

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 Russell are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Russell. Their Average 6 Month Premium is $124. Allstate is the most expensive at $863 for the same period.

Cheapest Liability Coverage in Russell, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$124	$21
Auto-Owners Insurance Co	$168	$28
Kentucky Farm Bureau	$188	$32
Electric	$203	$34
Nationwide	$237	$40
USAA	$247	$42
Farm Bureau	$256	$43
Travelers	$266	$45
Westfield	$276	$46
State Farm	$286	$48
Progressive	$315	$53
Shelter	$335	$56
Auto-Owners	$370	$61
Allstate	$863	$145

Cheapest Full Coverage Car Insurance in Russell

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 Russell is AutoOwners Insurance Co at $61 per month and $360 for six months.

Cheapest Full Coverage Car Insurance Quotes in Russell, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$61
Cincinnati	$394	$66
Kentucky Farm Bureau	$518	$87
Travelers	$676	$114
Farm Bureau	$696	$118
Shelter	$759	$128
Auto-Owners	$813	$139
Nationwide	$818	$138
USAA	$828	$139
State Farm	$922	$155
Electric	$956	$163
Progressive	$1065	$179
Allstate	$2091	$352
Grange	$986	$164

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Average Car Insurance in Russell 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 Russell, KY increasing?

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

Car Insurance Premiums by Age in Russell

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	$821
30s	Auto-Owners	$623
40s	Auto-Owners	$608
50s	Auto-Owners	$581
60s	USAA	$604
70s	State Farm	$673

Cheapest Car Insurance Rates for Teen Drivers in Russell,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Russell at $27 per month. At $6872 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$158	$27
Auto-Owners Insurance Co	$237	$40
Kentucky Farm Bureau	$789	$133
Travelers	$1065	$179
Farm Bureau	$1085	$183
USAA	$1247	$210
Shelter	$1563	$263
State Farm	$1770	$298
Auto-Owners	$2465	$411
Progressive	$3303	$556
Allstate	$6872	$1157

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 Russell.

As young drivers face the highest rates in Russell, USAA offers the cheapest auto insurance rates at $821 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 Russell, Cincinnati is the cheapest car insurance provider. At $212 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 Russell is Allstate, offering rates of around $4477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$212	$36
Nationwide	$315	$54
Travelers	$887	$149
Progressive	$1016	$171
USAA	$1632	$272
Farm Bureau	$2125	$361
Auto-Owners	$2356	$393
Shelter	$2416	$411
State Farm	$3210	$535
Allstate	$4477	$761

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Russell

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

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

The cheapest car insurance companies after an at-fault accident in Russell include AutoOwners Insurance Co and Electric, offering $251 and $251, respectively. Allstate is an expensive provider with an average six-month premium of $3624.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$251	$42
Electric	$251	$43
Cincinnati	$266	$44
Kentucky Farm Bureau	$365	$61
Farm Bureau	$518	$87
Travelers	$636	$107
State Farm	$661	$111
Shelter	$730	$123
USAA	$759	$128
Auto-Owners	$1119	$190
Progressive	$1252	$211
Allstate	$3624	$610

Russell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Russell KY. For example, the car insurance in Russell after a DUI increases to $1031 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Russell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1203	$201
One Med/PIP claim	$1213	$206
Two Med/PIP claims	$1262	$210
Not-at-fault accident	$1296	$221
One comp claim	$1316	$219
Failure to wear a seat belt	$1331	$227
Failure to show documents	$1375	$229
Two comp claims	$1375	$234
Driving without lights	$1380	$230
Child safety restraint	$1395	$237
Cell phone violation	$1449	$242
Driving with expired registration	$1454	$247
Texting while driving	$1454	$242
Driving too slowly	$1464	$249
Failure to stop at a red light	$1464	$244
Failure to yield	$1464	$249
Speeding 6 - 10 MPH over limit	$1464	$244
Speeding in school zone	$1464	$249
Following too closely	$1469	$245
Illegal turn	$1469	$250
Speeding 11 - 15 MPH over limit	$1469	$245
Wrong way/wrong lane	$1469	$250
Improper passing	$1474	$246
Speeding 16 - 20 MPH over limit	$1474	$251
Speeding 21 - 25 MPH over limit	$1504	$251
In 65 MPH zone	$1514	$257
Passing school bus	$1538	$256
Open container	$1578	$268
At-fault accident - less than $1000	$1607	$268
Operating a vehicle without permission	$1726	$294
At-fault accident - $1000-$2000	$1745	$291
At-fault accident - greater than $2000	$1745	$297
Reckless driving	$2194	$366
Refusal to submit to a chemical test	$2224	$378
DUI	$2234	$372
Driving with a suspended license	$2239	$381
Racing	$2248	$374
Leaving scene of an accident/hit and run	$2273	$387

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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 Russell 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 Russell.

The cheapest car insurance premiums in Russell are offered by Cincinnati at $330 for a six-month policy. However, it can be as expensive as $1878 with companies like AutoOwners.

Russell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$330	$55
Kentucky Farm Bureau	$439	$75
Travelers	$592	$100
Progressive	$720	$121
Shelter	$725	$122
State Farm	$745	$125
USAA	$838	$141
Allstate	$1598	$269
Farm Bureau	$1622	$271
Auto-Owners	$1878	$320

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 Russell are offered by Cincinnati at $148. However, it can be as expensive as $2460 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Russell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Kentucky Farm Bureau	$178	$30
Auto-Owners Insurance Co	$203	$34
State Farm	$557	$94
Travelers	$602	$101
Shelter	$646	$109
Farm Bureau	$696	$118
Progressive	$808	$136
Auto-Owners	$828	$141
USAA	$996	$166
Allstate	$2460	$418

Car Insurance Price Trends in Russell, Kentucky

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

The average cost of full coverage in the Russell rose by $184 in December compared to $183 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Russell rose to $51 in December, compared to $50 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Russell?

The car insurance in Russell is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Russell?

The cheapest car insurance in Russell is $61 per month for full coverage.

How much is car insurance in Russell for teenagers?

Car insurance for teenagers costs $158 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 Russell?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $143 per month to insure your car in Russell.

Is car insurance expensive in Russell?

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

Cheapest Car Insurance Quotes in Russell

Why you can trust Way?

How Much Is Car Insurance in Russell

Avg. Car Insurance in Russell

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Russell

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Russell Car Insurance Rates by Company

Cheap Car Insurance Companies in Russell, KY

Way's key takeaways about car insurance in Russell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Russell

Cheapest Liability Coverage in Russell, KY

Cheapest Full Coverage Car Insurance in Russell

Cheapest Full Coverage Car Insurance Quotes in Russell, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Russell by Rating Factor

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

Car Insurance Premiums by Age in Russell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Russell,KY

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

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 Russell

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

Russell Car Insurance Rates by Violation

Russell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Russell after a DUI

Russell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Russell after Speeding ticket

Car Insurance Price Trends in Russell, Kentucky

Average Car Insurance Cost in Russell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Russell, KY

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

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