Cheapest Car Insurance Quotes in Silver Grove

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Silver Grove Car Insurance

^$ 19

/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 Silver Grove

The car insurance rate in Silver Grove is $787 for a six-month policy, which is $235 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $334, making it a popular choice for budget-conscious drivers. Rates in Silver Grove 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 Silver Grove

$787

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Silver Grove

1st place: AutoOwners Insurance Co

At $334 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 $366 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 $480 for six months, making it the third cheapest auto insurance company in Silver Grove.

Silver Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Silver Grove, KY is AutoOwners Insurance Co, offering policies at just $334 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $366.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Silver Grove drivers find the best deals.

Cheap Car Insurance Companies in Silver Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$57
Cincinnati	$366	$61
Kentucky Farm Bureau	$480	$81
Travelers	$627	$105
Farm Bureau	$645	$109
Shelter	$705	$119
Auto-Owners	$755	$129
Nationwide	$759	$128
USAA	$768	$129
State Farm	$855	$144
Electric	$887	$151
Progressive	$988	$166
Allstate	$1940	$326
Grange	$915	$152

Key Takeaways

Way's key takeaways about car insurance in Silver Grove

The auto insurance costs in Silver Grove fall around $334 for six months.
The cheapest auto insurance company in Silver Grove is Cincinnati.
Teen drivers pay the highest rate in Silver Grove at $1073 per month.

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Cheapest Minimum Liability Car Insurance in Silver Grove

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 Silver Grove are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Silver Grove. Their Average 6 Month Premium is $115. Allstate is the most expensive at $801 for the same period.

Cheapest Liability Coverage in Silver Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$115	$19
Auto-Owners Insurance Co	$156	$26
Kentucky Farm Bureau	$174	$29
Electric	$188	$32
Nationwide	$219	$37
USAA	$229	$39
Farm Bureau	$238	$40
Travelers	$247	$42
Westfield	$256	$42
State Farm	$266	$45
Progressive	$293	$49
Shelter	$311	$52
Auto-Owners	$343	$57
Allstate	$801	$135

Cheapest Full Coverage Car Insurance in Silver Grove

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 Silver Grove is AutoOwners Insurance Co at $57 per month and $334 for six months.

Cheapest Full Coverage Car Insurance Quotes in Silver Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$57
Cincinnati	$366	$61
Kentucky Farm Bureau	$480	$81
Travelers	$627	$105
Farm Bureau	$645	$109
Shelter	$705	$119
Auto-Owners	$755	$129
Nationwide	$759	$128
USAA	$768	$129
State Farm	$855	$144
Electric	$887	$151
Progressive	$988	$166
Allstate	$1940	$326
Grange	$915	$152

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Average Car Insurance in Silver Grove 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 Silver Grove, KY increasing?

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

Car Insurance Premiums by Age in Silver Grove

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	$762
30s	Auto-Owners	$578
40s	Auto-Owners	$564
50s	Auto-Owners	$539
60s	USAA	$561
70s	State Farm	$624

Cheapest Car Insurance Rates for Teen Drivers in Silver Grove,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Silver Grove at $25 per month. At $6376 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$25
Auto-Owners Insurance Co	$219	$37
Kentucky Farm Bureau	$732	$123
Travelers	$988	$166
Farm Bureau	$1006	$169
USAA	$1157	$195
Shelter	$1450	$244
State Farm	$1642	$276
Auto-Owners	$2287	$381
Progressive	$3065	$516
Allstate	$6376	$1073

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 Silver Grove.

As young drivers face the highest rates in Silver Grove, USAA offers the cheapest auto insurance rates at $762 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 Silver Grove, Cincinnati is the cheapest car insurance provider. At $196 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 Silver Grove is Allstate, offering rates of around $4153 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Nationwide	$293	$50
Travelers	$823	$139
Progressive	$942	$159
USAA	$1514	$253
Farm Bureau	$1971	$335
Auto-Owners	$2186	$364
Shelter	$2241	$381
State Farm	$2978	$496
Allstate	$4153	$706

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Car Insurance Rates with An Accident in Silver Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Silver Grove

The cheapest car insurance companies after an at-fault accident in Silver Grove include AutoOwners Insurance Co and Electric, offering $233 and $233, respectively. Allstate is an expensive provider with an average six-month premium of $3362.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$233	$39
Electric	$233	$40
Cincinnati	$247	$41
Kentucky Farm Bureau	$339	$57
Farm Bureau	$480	$81
Travelers	$590	$99
State Farm	$613	$103
Shelter	$677	$114
USAA	$705	$119
Auto-Owners	$1038	$176
Progressive	$1162	$196
Allstate	$3362	$566

Silver Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Silver Grove KY. For example, the car insurance in Silver Grove after a DUI increases to $956 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Silver Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1116	$186
One Med/PIP claim	$1125	$191
Two Med/PIP claims	$1171	$195
Not-at-fault accident	$1203	$205
One comp claim	$1221	$203
Failure to wear a seat belt	$1235	$210
Failure to show documents	$1276	$213
Two comp claims	$1276	$217
Driving without lights	$1281	$213
Child safety restraint	$1294	$220
Cell phone violation	$1344	$224
Driving with expired registration	$1349	$229
Texting while driving	$1349	$225
Driving too slowly	$1358	$231
Failure to stop at a red light	$1358	$226
Failure to yield	$1358	$231
Speeding 6 - 10 MPH over limit	$1358	$226
Speeding in school zone	$1358	$231
Following too closely	$1363	$227
Illegal turn	$1363	$232
Speeding 11 - 15 MPH over limit	$1363	$227
Wrong way/wrong lane	$1363	$232
Improper passing	$1368	$228
Speeding 16 - 20 MPH over limit	$1368	$233
Speeding 21 - 25 MPH over limit	$1395	$233
In 65 MPH zone	$1404	$239
Passing school bus	$1427	$238
Open container	$1464	$249
At-fault accident - less than $1000	$1491	$249
Operating a vehicle without permission	$1601	$273
At-fault accident - $1000-$2000	$1619	$270
At-fault accident - greater than $2000	$1619	$276
Reckless driving	$2035	$340
Refusal to submit to a chemical test	$2063	$351
DUI	$2072	$345
Driving with a suspended license	$2077	$353
Racing	$2086	$347
Leaving scene of an accident/hit and run	$2108	$359

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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 Silver Grove 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 Silver Grove.

The cheapest car insurance premiums in Silver Grove are offered by Cincinnati at $306 for a six-month policy. However, it can be as expensive as $1743 with companies like AutoOwners.

Silver Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$306	$51
Kentucky Farm Bureau	$407	$69
Travelers	$549	$92
Progressive	$668	$112
Shelter	$672	$113
State Farm	$691	$116
USAA	$778	$131
Allstate	$1482	$249
Farm Bureau	$1505	$251
Auto-Owners	$1743	$296

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 Silver Grove are offered by Cincinnati at $137. However, it can be as expensive as $2282 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Silver Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Kentucky Farm Bureau	$165	$28
Auto-Owners Insurance Co	$188	$32
State Farm	$517	$87
Travelers	$558	$94
Shelter	$599	$101
Farm Bureau	$645	$109
Progressive	$750	$126
Auto-Owners	$768	$131
USAA	$924	$154
Allstate	$2282	$388

Car Insurance Price Trends in Silver Grove, Kentucky

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

The average cost of full coverage in the Silver Grove rose by $171 in December compared to $169 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 Silver Grove rose to $48 in December, compared to $46 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Silver Grove?

The car insurance in Silver Grove is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Silver Grove?

The cheapest car insurance in Silver Grove is $57 per month for full coverage.

How much is car insurance in Silver Grove for teenagers?

Car insurance for teenagers costs $146 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 Silver Grove?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $132 per month to insure your car in Silver Grove.

Is car insurance expensive in Silver Grove?

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

Cheapest Car Insurance Quotes in Silver Grove

Why you can trust Way?

How Much Is Car Insurance in Silver Grove

Avg. Car Insurance in Silver Grove

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Silver Grove

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Silver Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Silver Grove, KY

Way's key takeaways about car insurance in Silver Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Silver Grove

Cheapest Liability Coverage in Silver Grove, KY

Cheapest Full Coverage Car Insurance in Silver Grove

Cheapest Full Coverage Car Insurance Quotes in Silver Grove, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Silver Grove by Rating Factor

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

Car Insurance Premiums by Age in Silver Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Silver Grove,KY

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

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 Silver Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Silver Grove

Silver Grove Car Insurance Rates by Violation

Silver Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Silver Grove after a DUI

Silver Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Silver Grove after Speeding ticket

Car Insurance Price Trends in Silver Grove, Kentucky

Average Car Insurance Cost in Silver Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Silver Grove, KY

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

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