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Finding the cheapest car insurance quotes in Ulysses shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Ulysses
The car insurance rate in Ulysses is $1243 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in Ulysses 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.
At $495 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 $542 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 $711
for six months, making it
the third cheapest auto insurance company in Ulysses.
Ulysses Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ulysses, KY is AutoOwners Insurance Co, offering policies at just $495 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $542.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2898 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ulysses drivers find the best deals.
Way's key takeaways about car insurance in Ulysses
The auto insurance costs in Ulysses fall around $495 for six
months.
The cheapest auto insurance company in Ulysses is Cincinnati.
Teen drivers pay the highest rate in Ulysses at $1457 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Ulysses
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 Ulysses are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Ulysses. Their Average 6 Month Premium is $170.
Allstate is the most
expensive at $1083 for the same
period.
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 Ulysses is AutoOwners Insurance Co
at $82 per month and $495
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ulysses,
KY
Get Your Car Insurance Quote in Ulysses
Instantly!
Average Car Insurance in Ulysses 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 Ulysses, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ulysses, 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, Ulysses's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ulysses
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
$1088
30s
Auto-Owners
$824
40s
Auto-Owners
$806
50s
Auto-Owners
$769
60s
USAA
$800
70s
State Farm
$891
Cheapest Car Insurance Rates for Teen Drivers in
Ulysses,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Ulysses at $36
per
month. At $8743 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Ulysses.
As young drivers face the highest rates in Ulysses, USAA
offers the cheapest auto insurance rates at $1088 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 Ulysses,
Cincinnati is
the cheapest car insurance provider. At $291 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
Ulysses is Allstate, offering
rates of around $6149 for six
months.
Save up to $971/yr on car insurance rates in Ulysses.
Car Insurance Rates with An Accident in Ulysses
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 Ulysses, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ulysses
The cheapest car insurance companies after an at-fault accident in
Ulysses include AutoOwners Insurance Co
and Electric, offering $345
and $345,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4314.
Here is a list of driving violations that can increase your car
insurance rates in Ulysses KY. For example, the car
insurance in Ulysses
after a DUI increases to $1416 for a six
month policy. While the rate increases by $359 for a six-month policy in the case of
a speeding ticket.
Ulysses auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1652
$276
One Med/PIP claim
$1666
$283
Two Med/PIP claims
$1734
$288
Not-at-fault accident
$1781
$303
One comp claim
$1808
$301
Failure to wear a seat belt
$1829
$311
Failure to show documents
$1889
$315
Two comp claims
$1889
$321
Driving without lights
$1896
$316
Child safety restraint
$1916
$326
Cell phone violation
$1990
$332
Driving with expired registration
$1997
$340
Texting while driving
$1997
$333
Driving too slowly
$2011
$342
Failure to stop at a red light
$2011
$335
Failure to yield
$2011
$342
Speeding 6 - 10 MPH over limit
$2011
$335
Speeding in school zone
$2011
$342
Following too closely
$2018
$336
Illegal turn
$2018
$343
Speeding 11 - 15 MPH over limit
$2018
$336
Wrong way/wrong lane
$2018
$343
Improper passing
$2025
$337
Speeding 16 - 20 MPH over limit
$2025
$344
Speeding 21 - 25 MPH over limit
$2066
$344
In 65 MPH zone
$2079
$353
Passing school bus
$2112
$352
Open container
$2167
$368
At-fault accident - less than $1000
$2207
$368
Operating a vehicle without permission
$2370
$404
At-fault accident - $1000-$2000
$2397
$399
At-fault accident - greater than $2000
$2397
$408
Reckless driving
$3013
$503
Refusal to submit to a chemical test
$3054
$520
DUI
$3068
$511
Driving with a suspended license
$3075
$523
Racing
$3088
$514
Leaving scene of an accident/hit and run
$3121
$531
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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 Ulysses 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 Ulysses.
The cheapest car insurance premiums in
Ulysses are
offered by Cincinnati at $454 for a six-month policy.
However, it can be as
expensive as $4910 with companies
like Nationwide.
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 Ulysses are offered by Cincinnati
at $203. However,
it can be as expensive as $3379
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Ulysses after Speeding ticket
Car insurance rates in Ulysses have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ulysses rose by
$258 in January
compared to $253 of December. In other words, there has been an increase by $5 when you
compare January and December.
The average cost of liability insurance in the Ulysses dipped to $70 in January,
compared to $71 in December.
This represents an decrease of $1
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Ulysses. At $2485 for a
six-month policy, insuring
your car at 41264 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Ulysses?
The car insurance in Ulysses is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Ulysses?
The cheapest car insurance in Ulysses
is $82 per month
for full coverage.
How much is car insurance in Ulysses for teenagers?
Car insurance for teenagers costs $217 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
Ulysses?
The average cost of car insurance is $1090 for a six-month
policy. It will cost around $209 per month to insure your
car in Ulysses.
Is car insurance expensive in Ulysses?
Car insurance can be expensive in Ulysses if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ulysses can be
affordable.
What is the best car insurance in Ulysses,
KY?
The best car insurance company in Ulysses
KY is
AutoOwners Insurance Co, offering $495 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Ulysses, KY
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Ulysses Car Insurance
