Cheapest Car Insurance Quotes in Russell Springs

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Russell Springs Car Insurance

^$ 22

/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 Springs

The car insurance rate in Russell Springs is $879 for a six-month policy, which is $143 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Russell Springs 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 Springs

$879

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Russell Springs

1st place: AutoOwners Insurance Co

At $373 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 $409 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 $537 for six months, making it the third cheapest auto insurance company in Russell Springs.

Russell Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Russell Springs, KY is AutoOwners Insurance Co, offering policies at just $373 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $409.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Russell Springs drivers find the best deals.

Cheap Car Insurance Companies in Russell Springs, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$373	$64
Cincinnati	$409	$68
Kentucky Farm Bureau	$537	$90
Travelers	$700	$118
Farm Bureau	$721	$122
Shelter	$787	$132
Auto-Owners	$843	$144
Nationwide	$848	$143
USAA	$858	$144
State Farm	$955	$161
Electric	$991	$169
Progressive	$1103	$186
Allstate	$2166	$365
Grange	$1022	$170

Key Takeaways

Way's key takeaways about car insurance in Russell Springs

The auto insurance costs in Russell Springs fall around $373 for six months.
The cheapest auto insurance company in Russell Springs is Cincinnati.
Teen drivers pay the highest rate in Russell Springs at $1199 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Russell Springs

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 Springs are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Russell Springs. Their Average 6 Month Premium is $128. Allstate is the most expensive at $894 for the same period.

Cheapest Liability Coverage in Russell Springs, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$128	$22
Auto-Owners Insurance Co	$174	$29
Kentucky Farm Bureau	$194	$33
Electric	$210	$35
Nationwide	$245	$41
USAA	$255	$43
Farm Bureau	$266	$45
Travelers	$276	$46
Westfield	$286	$47
State Farm	$297	$50
Progressive	$327	$55
Shelter	$347	$58
Auto-Owners	$384	$64
Allstate	$894	$151

Cheapest Full Coverage Car Insurance in Russell Springs

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 Springs is AutoOwners Insurance Co at $64 per month and $373 for six months.

Cheapest Full Coverage Car Insurance Quotes in Russell Springs, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$373	$64
Cincinnati	$409	$68
Kentucky Farm Bureau	$537	$90
Travelers	$700	$118
Farm Bureau	$721	$122
Shelter	$787	$132
Auto-Owners	$843	$144
Nationwide	$848	$143
USAA	$858	$144
State Farm	$955	$161
Electric	$991	$169
Progressive	$1103	$186
Allstate	$2166	$365
Grange	$1022	$170

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Average Car Insurance in Russell Springs 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 Springs, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Russell Springs, 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 Springs'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 Springs

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	$851
30s	Auto-Owners	$645
40s	Auto-Owners	$630
50s	Auto-Owners	$602
60s	USAA	$626
70s	State Farm	$697

Cheapest Car Insurance Rates for Teen Drivers in Russell Springs,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Russell Springs at $28 per month. At $7121 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$163	$28
Auto-Owners Insurance Co	$245	$41
Kentucky Farm Bureau	$817	$138
Travelers	$1103	$186
Farm Bureau	$1124	$189
USAA	$1293	$218
Shelter	$1619	$273
State Farm	$1834	$309
Auto-Owners	$2554	$426
Progressive	$3423	$576
Allstate	$7121	$1199

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 Springs.

As young drivers face the highest rates in Russell Springs, USAA offers the cheapest auto insurance rates at $851 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 Springs, Cincinnati is the cheapest car insurance provider. At $219 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 Springs is Allstate, offering rates of around $4639 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$219	$37
Nationwide	$327	$56
Travelers	$919	$155
Progressive	$1053	$177
USAA	$1691	$282
Farm Bureau	$2202	$374
Auto-Owners	$2442	$407
Shelter	$2503	$426
State Farm	$3326	$554
Allstate	$4639	$789

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

Car Insurance Rates with An Accident in Russell Springs

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

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

The cheapest car insurance companies after an at-fault accident in Russell Springs include AutoOwners Insurance Co and Electric, offering $261 and $261, respectively. Allstate is an expensive provider with an average six-month premium of $3755.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$261	$43
Electric	$261	$45
Cincinnati	$276	$46
Kentucky Farm Bureau	$378	$64
Farm Bureau	$537	$90
Travelers	$659	$111
State Farm	$685	$115
Shelter	$756	$127
USAA	$787	$132
Auto-Owners	$1159	$197
Progressive	$1298	$218
Allstate	$3755	$632

Russell Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Russell Springs KY. For example, the car insurance in Russell Springs after a DUI increases to $1068 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Russell Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1246	$208
One Med/PIP claim	$1256	$213
Two Med/PIP claims	$1308	$218
Not-at-fault accident	$1343	$229
One comp claim	$1364	$227
Failure to wear a seat belt	$1379	$235
Failure to show documents	$1425	$237
Two comp claims	$1425	$243
Driving without lights	$1430	$238
Child safety restraint	$1446	$246
Cell phone violation	$1502	$250
Driving with expired registration	$1507	$256
Texting while driving	$1507	$251
Driving too slowly	$1517	$258
Failure to stop at a red light	$1517	$253
Failure to yield	$1517	$258
Speeding 6 - 10 MPH over limit	$1517	$253
Speeding in school zone	$1517	$258
Following too closely	$1522	$254
Illegal turn	$1522	$259
Speeding 11 - 15 MPH over limit	$1522	$254
Wrong way/wrong lane	$1522	$259
Improper passing	$1527	$255
Speeding 16 - 20 MPH over limit	$1527	$260
Speeding 21 - 25 MPH over limit	$1558	$260
In 65 MPH zone	$1569	$267
Passing school bus	$1594	$266
Open container	$1635	$278
At-fault accident - less than $1000	$1665	$278
Operating a vehicle without permission	$1788	$304
At-fault accident - $1000-$2000	$1809	$301
At-fault accident - greater than $2000	$1809	$308
Reckless driving	$2273	$379
Refusal to submit to a chemical test	$2304	$392
DUI	$2314	$385
Driving with a suspended license	$2319	$395
Racing	$2330	$388
Leaving scene of an accident/hit and run	$2355	$401

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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 Springs 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 Springs.

The cheapest car insurance premiums in Russell Springs are offered by Cincinnati at $342 for a six-month policy. However, it can be as expensive as $1946 with companies like AutoOwners.

Russell Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$342	$57
Kentucky Farm Bureau	$455	$77
Travelers	$613	$103
Progressive	$746	$126
Shelter	$751	$126
State Farm	$771	$130
USAA	$869	$146
Allstate	$1656	$279
Farm Bureau	$1680	$280
Auto-Owners	$1946	$331

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 Springs are offered by Cincinnati at $153. However, it can be as expensive as $2549 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Russell Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Kentucky Farm Bureau	$184	$31
Auto-Owners Insurance Co	$210	$35
State Farm	$577	$97
Travelers	$624	$105
Shelter	$669	$113
Farm Bureau	$721	$122
Progressive	$838	$141
Auto-Owners	$858	$146
USAA	$1032	$172
Allstate	$2549	$433

Car Insurance Price Trends in Russell Springs, Kentucky

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

The average cost of full coverage in the Russell Springs rose by $191 in December compared to $189 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 Russell Springs rose to $53 in December, compared to $52 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 Springs?

The car insurance in Russell Springs is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Russell Springs?

The cheapest car insurance in Russell Springs is $64 per month for full coverage.

How much is car insurance in Russell Springs for teenagers?

Car insurance for teenagers costs $163 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 Springs?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $148 per month to insure your car in Russell Springs.

Is car insurance expensive in Russell Springs?

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

Cheapest Car Insurance Quotes in Russell Springs

Why you can trust Way?

How Much Is Car Insurance in Russell Springs

Avg. Car Insurance in Russell Springs

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Russell Springs

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Russell Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Russell Springs, KY

Way's key takeaways about car insurance in Russell Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Russell Springs

Cheapest Liability Coverage in Russell Springs, KY

Cheapest Full Coverage Car Insurance in Russell Springs

Cheapest Full Coverage Car Insurance Quotes in Russell Springs, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Russell Springs by Rating Factor

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

Car Insurance Premiums by Age in Russell Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Russell Springs,KY

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

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 Springs

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

Russell Springs Car Insurance Rates by Violation

Russell Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Russell Springs after a DUI

Russell Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Russell Springs after Speeding ticket

Car Insurance Price Trends in Russell Springs, Kentucky

Average Car Insurance Cost in Russell Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Russell Springs, KY

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

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