Cheapest Car Insurance Quotes in St. Mary

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St. Mary Car Insurance

^$ 29

/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 St. Mary

The car insurance rate in St. Mary is $1264 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $503, making it a popular choice for budget-conscious drivers. Rates in St. Mary 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 St. Mary

$1264

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in St. Mary

1st place: AutoOwners Insurance Co

At $503 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 $551 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 $724 for six months, making it the third cheapest auto insurance company in St. Mary.

St. Mary Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Mary, KY is AutoOwners Insurance Co, offering policies at just $503 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $551.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2949 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Mary drivers find the best deals.

Cheap Car Insurance Companies in St. Mary, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$503	$84
Cincinnati	$551	$94
Kentucky Farm Bureau	$724	$122
Travelers	$978	$165
Shelter	$1095	$184
USAA	$1130	$190
Auto-Owners	$1336	$223
Electric	$1336	$227
State Farm	$1336	$225
Farm Bureau	$1406	$239
Progressive	$1488	$251
Nationwide	$1605	$270
Allstate	$2949	$492

Key Takeaways

Way's key takeaways about car insurance in St. Mary

The auto insurance costs in St. Mary fall around $503 for six months.
The cheapest auto insurance company in St. Mary is Cincinnati.
Teen drivers pay the highest rate in St. Mary at $1482 per month.

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Cheapest Minimum Liability Car Insurance in St. Mary

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 St. Mary are given below.

Cincinnati provides the cheapest minimum car insurance coverage in St. Mary. Their Average 6 Month Premium is $173. Allstate is the most expensive at $1102 for the same period.

Cheapest Liability Coverage in St. Mary, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Auto-Owners Insurance Co	$234	$39
Kentucky Farm Bureau	$262	$44
Electric	$283	$48
USAA	$345	$58
Travelers	$365	$61
Westfield	$386	$66
Farm Bureau	$406	$68
State Farm	$420	$71
Progressive	$462	$78
Shelter	$476	$80
Auto-Owners	$551	$92
Nationwide	$654	$110
Allstate	$1102	$183

Cheapest Full Coverage Car Insurance in St. Mary

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 St. Mary is AutoOwners Insurance Co at $84 per month and $503 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Mary, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$503	$84
Cincinnati	$551	$94
Kentucky Farm Bureau	$724	$122
Travelers	$978	$165
Shelter	$1095	$184
USAA	$1130	$190
Auto-Owners	$1336	$223
Electric	$1336	$227
State Farm	$1336	$225
Farm Bureau	$1406	$239
Progressive	$1488	$251
Nationwide	$1605	$270
Allstate	$2949	$492

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Average Car Insurance in St. Mary 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 St. Mary, KY increasing?

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

Car Insurance Premiums by Age in St. Mary

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	$1107
30s	Auto-Owners	$839
40s	Auto-Owners	$820
50s	Auto-Owners	$783
60s	USAA	$814
70s	State Farm	$907

Cheapest Car Insurance Rates for Teen Drivers in St. Mary,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the St. Mary at $37 per month. At $8896 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$220	$37
Auto-Owners Insurance Co	$331	$56
Kentucky Farm Bureau	$1102	$186
Travelers	$1598	$269
USAA	$1875	$316
Farm Bureau	$2123	$357
Shelter	$2288	$385
State Farm	$2590	$436
Auto-Owners	$3624	$616
Progressive	$4540	$764
Nationwide	$8868	$1508
Allstate	$8896	$1482

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 St. Mary.

As young drivers face the highest rates in St. Mary, USAA offers the cheapest auto insurance rates at $1107 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 St. Mary, Cincinnati is the cheapest car insurance provider. At $296 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 St. Mary is Allstate, offering rates of around $6257 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$296	$50
Travelers	$1343	$226
Progressive	$1385	$233
USAA	$1723	$293
Nationwide	$2177	$367
Shelter	$3686	$626
Auto-Owners	$3769	$629
Farm Bureau	$4300	$731
State Farm	$5705	$951
Allstate	$6257	$1064

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Car Insurance Rates with An Accident in St. Mary

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Mary

The cheapest car insurance companies after an at-fault accident in St. Mary include AutoOwners Insurance Co and Electric, offering $351 and $351, respectively. Allstate is an expensive provider with an average six-month premium of $4389.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$351	$58
Electric	$351	$60
Cincinnati	$372	$61
Kentucky Farm Bureau	$510	$86
Farm Bureau	$937	$158
Travelers	$937	$158
State Farm	$958	$161
USAA	$1027	$173
Shelter	$1054	$177
Progressive	$1791	$302
Auto-Owners	$1861	$310
Nationwide	$3838	$653
Allstate	$4389	$732

St. Mary Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Mary KY. For example, the car insurance in St. Mary after a DUI increases to $1441 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

St. Mary auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1681	$281
One Med/PIP claim	$1695	$288
Two Med/PIP claims	$1764	$293
Not-at-fault accident	$1812	$309
One comp claim	$1840	$306
Failure to wear a seat belt	$1861	$317
Failure to show documents	$1922	$320
Two comp claims	$1922	$327
Driving without lights	$1929	$321
Child safety restraint	$1950	$332
Cell phone violation	$2025	$338
Driving with expired registration	$2032	$346
Texting while driving	$2032	$339
Driving too slowly	$2046	$348
Failure to stop at a red light	$2046	$341
Failure to yield	$2046	$348
Speeding 6 - 10 MPH over limit	$2046	$341
Speeding in school zone	$2046	$348
Following too closely	$2053	$342
Illegal turn	$2053	$349
Speeding 11 - 15 MPH over limit	$2053	$342
Wrong way/wrong lane	$2053	$349
Improper passing	$2060	$343
Speeding 16 - 20 MPH over limit	$2060	$350
Speeding 21 - 25 MPH over limit	$2102	$350
In 65 MPH zone	$2116	$360
Passing school bus	$2149	$358
Open container	$2205	$375
At-fault accident - less than $1000	$2246	$375
Operating a vehicle without permission	$2412	$411
At-fault accident - $1000-$2000	$2439	$406
At-fault accident - greater than $2000	$2439	$415
Reckless driving	$3066	$512
Refusal to submit to a chemical test	$3108	$529
DUI	$3122	$520
Driving with a suspended license	$3129	$532
Racing	$3142	$523
Leaving scene of an accident/hit and run	$3176	$541

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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 St. Mary 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 St. Mary.

The cheapest car insurance premiums in St. Mary are offered by Cincinnati at $462 for a six-month policy. However, it can be as expensive as $4996 with companies like Nationwide.

St. Mary car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$462	$79
Allstate	$600	$100
Kentucky Farm Bureau	$614	$104
Travelers	$889	$150
Progressive	$985	$166
Shelter	$1061	$179
State Farm	$1116	$188
USAA	$1296	$218
Auto-Owners	$3066	$521
Farm Bureau	$3328	$554
Nationwide	$4996	$849

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 St. Mary are offered by Cincinnati at $206. However, it can be as expensive as $3438 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in St. Mary after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$206	$35
Kentucky Farm Bureau	$248	$42
Auto-Owners Insurance Co	$283	$48
State Farm	$862	$145
Travelers	$923	$155
Shelter	$965	$162
Progressive	$1212	$204
USAA	$1261	$215
Auto-Owners	$1399	$233
Farm Bureau	$1406	$239
Nationwide	$2522	$420
Allstate	$3438	$585

Car Insurance Price Trends in St. Mary, Kentucky

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

The average cost of full coverage in the St. Mary remained steady at $262 in both April and March, indicating no change over the two month period.

The average cost of liability insurance in the St. Mary remained steady at $71 in both April and March, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Mary?

The car insurance in St. Mary is $29 per month, which is lower than the national average.

What is the cheapest car insurance in St. Mary?

The cheapest car insurance in St. Mary is $84 per month for full coverage.

How much is car insurance in St. Mary for teenagers?

Car insurance for teenagers costs $220 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 St. Mary?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $212 per month to insure your car in St. Mary.

Is car insurance expensive in St. Mary?

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

Cheapest Car Insurance Quotes in St. Mary

Why you can trust Way?

How Much Is Car Insurance in St. Mary

Avg. Car Insurance in St. Mary

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in St. Mary

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

St. Mary Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Mary, KY

Way's key takeaways about car insurance in St. Mary

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Mary

Cheapest Liability Coverage in St. Mary, KY

Cheapest Full Coverage Car Insurance in St. Mary

Cheapest Full Coverage Car Insurance Quotes in St. Mary, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Mary by Rating Factor

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

Car Insurance Premiums by Age in St. Mary

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. Mary,KY

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

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 St. Mary

Cheapest Car Insurance Companies after an At-Fault Accident in St. Mary

St. Mary Car Insurance Rates by Violation

St. Mary auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Mary after a DUI

St. Mary car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Mary after Speeding ticket

Car Insurance Price Trends in St. Mary, Kentucky

Average Car Insurance Cost in St. Mary by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. Mary, KY

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

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