Cheapest Car Insurance Quotes in Summersville

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Summersville Car Insurance

^$ 23

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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 Summersville

The car insurance rate in Summersville is $920 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $391, making it a popular choice for budget-conscious drivers. Rates in Summersville 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 Summersville

$920

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Summersville

1st place: AutoOwners Insurance Co

At $391 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 $428 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 $562 for six months, making it the third cheapest auto insurance company in Summersville.

Summersville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Summersville, KY is AutoOwners Insurance Co, offering policies at just $391 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $428.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1069 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Summersville drivers find the best deals.

Cheap Car Insurance Companies in Summersville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$391	$67
Cincinnati	$428	$71
Kentucky Farm Bureau	$562	$95
Travelers	$733	$123
Farm Bureau	$754	$128
Shelter	$824	$139
Auto-Owners	$882	$150
Nationwide	$887	$149
USAA	$898	$151
State Farm	$1000	$168
Electric	$1037	$176
Progressive	$1155	$194
Allstate	$2267	$382
Grange	$1069	$178

Key Takeaways

Way's key takeaways about car insurance in Summersville

The auto insurance costs in Summersville fall around $391 for six months.
The cheapest auto insurance company in Summersville is Cincinnati.
Teen drivers pay the highest rate in Summersville at $1255 per month.

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Cheapest Minimum Liability Car Insurance in Summersville

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 Summersville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Summersville. Their Average 6 Month Premium is $134. Allstate is the most expensive at $936 for the same period.

Cheapest Liability Coverage in Summersville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$23
Auto-Owners Insurance Co	$182	$31
Kentucky Farm Bureau	$203	$34
Electric	$220	$37
Nationwide	$257	$43
USAA	$267	$45
Farm Bureau	$278	$47
Travelers	$289	$49
Westfield	$300	$50
State Farm	$311	$52
Progressive	$342	$58
Shelter	$364	$61
Auto-Owners	$401	$67
Allstate	$936	$158

Cheapest Full Coverage Car Insurance in Summersville

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 Summersville is AutoOwners Insurance Co at $67 per month and $391 for six months.

Cheapest Full Coverage Car Insurance Quotes in Summersville, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$391	$67
Cincinnati	$428	$71
Kentucky Farm Bureau	$562	$95
Travelers	$733	$123
Farm Bureau	$754	$128
Shelter	$824	$139
Auto-Owners	$882	$150
Nationwide	$887	$149
USAA	$898	$151
State Farm	$1000	$168
Electric	$1037	$176
Progressive	$1155	$194
Allstate	$2267	$382
Grange	$1069	$178

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Average Car Insurance in Summersville 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 Summersville, KY increasing?

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

Car Insurance Premiums by Age in Summersville

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	$890
30s	Auto-Owners	$675
40s	Auto-Owners	$660
50s	Auto-Owners	$630
60s	USAA	$655
70s	State Farm	$730

Cheapest Car Insurance Rates for Teen Drivers in Summersville,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Summersville at $29 per month. At $7452 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$171	$29
Auto-Owners Insurance Co	$257	$43
Kentucky Farm Bureau	$855	$144
Travelers	$1155	$194
Farm Bureau	$1176	$198
USAA	$1353	$228
Shelter	$1695	$285
State Farm	$1919	$323
Auto-Owners	$2673	$446
Progressive	$3582	$603
Allstate	$7452	$1255

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 Summersville.

As young drivers face the highest rates in Summersville, USAA offers the cheapest auto insurance rates at $890 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 Summersville, Cincinnati is the cheapest car insurance provider. At $230 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 Summersville is Allstate, offering rates of around $4855 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$230	$39
Nationwide	$342	$59
Travelers	$962	$162
Progressive	$1102	$185
USAA	$1769	$295
Farm Bureau	$2304	$392
Auto-Owners	$2555	$426
Shelter	$2620	$446
State Farm	$3480	$580
Allstate	$4855	$825

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Car Insurance Rates with An Accident in Summersville

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

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

The cheapest car insurance companies after an at-fault accident in Summersville include AutoOwners Insurance Co and Electric, offering $273 and $273, respectively. Allstate is an expensive provider with an average six-month premium of $3929.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$273	$45
Electric	$273	$47
Cincinnati	$289	$48
Kentucky Farm Bureau	$396	$67
Farm Bureau	$562	$95
Travelers	$689	$116
State Farm	$716	$121
Shelter	$791	$133
USAA	$824	$139
Auto-Owners	$1213	$206
Progressive	$1358	$229
Allstate	$3929	$662

Summersville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Summersville KY. For example, the car insurance in Summersville after a DUI increases to $1118 for a six month policy. While the rate increases by $284 for a six-month policy in the case of a speeding ticket.

Summersville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1304	$218
One Med/PIP claim	$1315	$223
Two Med/PIP claims	$1369	$228
Not-at-fault accident	$1406	$239
One comp claim	$1427	$238
Failure to wear a seat belt	$1444	$246
Failure to show documents	$1491	$248
Two comp claims	$1491	$254
Driving without lights	$1497	$249
Child safety restraint	$1513	$257
Cell phone violation	$1571	$262
Driving with expired registration	$1577	$268
Texting while driving	$1577	$263
Driving too slowly	$1588	$270
Failure to stop at a red light	$1588	$265
Failure to yield	$1588	$270
Speeding 6 - 10 MPH over limit	$1588	$265
Speeding in school zone	$1588	$270
Following too closely	$1593	$266
Illegal turn	$1593	$271
Speeding 11 - 15 MPH over limit	$1593	$266
Wrong way/wrong lane	$1593	$271
Improper passing	$1598	$266
Speeding 16 - 20 MPH over limit	$1598	$272
Speeding 21 - 25 MPH over limit	$1631	$272
In 65 MPH zone	$1642	$279
Passing school bus	$1668	$278
Open container	$1711	$291
At-fault accident - less than $1000	$1742	$291
Operating a vehicle without permission	$1871	$319
At-fault accident - $1000-$2000	$1893	$315
At-fault accident - greater than $2000	$1893	$322
Reckless driving	$2379	$397
Refusal to submit to a chemical test	$2411	$410
DUI	$2422	$403
Driving with a suspended license	$2427	$413
Racing	$2438	$406
Leaving scene of an accident/hit and run	$2464	$419

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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 Summersville 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 Summersville.

The cheapest car insurance premiums in Summersville are offered by Cincinnati at $358 for a six-month policy. However, it can be as expensive as $2037 with companies like AutoOwners.

Summersville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$358	$59
Kentucky Farm Bureau	$476	$81
Travelers	$642	$108
Progressive	$780	$131
Shelter	$786	$132
State Farm	$807	$136
USAA	$909	$153
Allstate	$1733	$292
Farm Bureau	$1759	$293
Auto-Owners	$2037	$347

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 Summersville are offered by Cincinnati at $160. However, it can be as expensive as $2668 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Summersville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$160	$27
Kentucky Farm Bureau	$193	$32
Auto-Owners Insurance Co	$220	$37
State Farm	$604	$102
Travelers	$653	$110
Shelter	$700	$118
Farm Bureau	$754	$128
Progressive	$877	$148
Auto-Owners	$898	$153
USAA	$1080	$180
Allstate	$2668	$454

Car Insurance Price Trends in Summersville, Kentucky

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

The average cost of full coverage in the Summersville rose by $200 in December compared to $198 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 Summersville rose to $56 in December, compared to $54 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 Summersville?

The car insurance in Summersville is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Summersville?

The cheapest car insurance in Summersville is $67 per month for full coverage.

How much is car insurance in Summersville for teenagers?

Car insurance for teenagers costs $171 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 Summersville?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $155 per month to insure your car in Summersville.

Is car insurance expensive in Summersville?

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

Cheapest Car Insurance Quotes in Summersville

Why you can trust Way?

How Much Is Car Insurance in Summersville

Avg. Car Insurance in Summersville

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Summersville

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Summersville Car Insurance Rates by Company

Cheap Car Insurance Companies in Summersville, KY

Way's key takeaways about car insurance in Summersville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Summersville

Cheapest Liability Coverage in Summersville, KY

Cheapest Full Coverage Car Insurance in Summersville

Cheapest Full Coverage Car Insurance Quotes in Summersville, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Summersville by Rating Factor

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

Car Insurance Premiums by Age in Summersville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Summersville,KY

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

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 Summersville

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

Summersville Car Insurance Rates by Violation

Summersville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Summersville after a DUI

Summersville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Summersville after Speeding ticket

Car Insurance Price Trends in Summersville, Kentucky

Average Car Insurance Cost in Summersville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Summersville, KY

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

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