Cheapest Car Insurance Quotes in Shively

Cheapest Minimum Liability Car Insurance in Shively

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 Shively are given below. 

Cincinnati provides the cheapest minimum car insurance coverage in Shively. Their Average 6 Month Premium is $168. Allstate is the most expensive at $1175 for the same period. 

Cheapest Liability Coverage in Shively, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$168	$28
Auto-Owners Insurance Co	$228	$38
Kentucky Farm Bureau	$255	$43
Electric	$276	$46
Nationwide	$322	$54
USAA	$336	$56
Farm Bureau	$349	$59
Travelers	$363	$61
Westfield	$376	$62
State Farm	$390	$66
Progressive	$429	$72
Shelter	$457	$77
Auto-Owners	$504	$84
Allstate	$1175	$198

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Cheapest Full Coverage Car Insurance in Shively

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 Shively is AutoOwners Insurance Co at $84 per month and $490 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Shively, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$490	$84
Cincinnati	$537	$89
Kentucky Farm Bureau	$705	$119
Travelers	$920	$155
Farm Bureau	$947	$160
Shelter	$1034	$174
Auto-Owners	$1107	$189
Nationwide	$1114	$188
USAA	$1128	$190
State Farm	$1255	$211
Electric	$1302	$221
Progressive	$1450	$244
Allstate	$2846	$479
Grange	$1342	$224

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Car Insurance Premiums by Age in Shively

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	$1118
30s	Auto-Owners	$847
40s	Auto-Owners	$828
50s	Auto-Owners	$791
60s	USAA	$823
70s	State Farm	$916

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Shively Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shively KY. For example, the car insurance in Shively after a DUI increases to $1404 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.  

Shively auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1637	$273
One Med/PIP claim	$1651	$280
Two Med/PIP claims	$1719	$286
Not-at-fault accident	$1765	$301
One comp claim	$1792	$298
Failure to wear a seat belt	$1813	$308
Failure to show documents	$1872	$312
Two comp claims	$1872	$319
Driving without lights	$1879	$313
Child safety restraint	$1900	$323
Cell phone violation	$1973	$329
Driving with expired registration	$1980	$337
Texting while driving	$1980	$330
Driving too slowly	$1993	$339
Failure to stop at a red light	$1993	$332
Failure to yield	$1993	$339
Speeding 6 - 10 MPH over limit	$1993	$332
Speeding in school zone	$1993	$339
Following too closely	$2000	$333
Illegal turn	$2000	$340
Speeding 11 - 15 MPH over limit	$2000	$333
Wrong way/wrong lane	$2000	$340
Improper passing	$2007	$334
Speeding 16 - 20 MPH over limit	$2007	$341
Speeding 21 - 25 MPH over limit	$2048	$341
In 65 MPH zone	$2061	$350
Passing school bus	$2094	$349
Open container	$2148	$365
At-fault accident - less than $1000	$2188	$365
Operating a vehicle without permission	$2349	$400
At-fault accident - $1000-$2000	$2376	$395
At-fault accident - greater than $2000	$2376	$405
Reckless driving	$2987	$498
Refusal to submit to a chemical test	$3027	$515
DUI	$3041	$506
Driving with a suspended license	$3048	$519
Racing	$3061	$510
Leaving scene of an accident/hit and run	$3094	$527

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