Cheapest Car Insurance Quotes in Van Lear

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Van Lear Car Insurance

^$ 32

/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 Van Lear

The car insurance rate in Van Lear is $1308 for a six-month policy, which is $286 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $556, making it a popular choice for budget-conscious drivers. Rates in Van Lear 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 Van Lear

$1308

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Van Lear

1st place: AutoOwners Insurance Co

At $556 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 $608 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 $799 for six months, making it the third cheapest auto insurance company in Van Lear.

Van Lear Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Van Lear, KY is AutoOwners Insurance Co, offering policies at just $556 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $608.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Van Lear drivers find the best deals.

Cheap Car Insurance Companies in Van Lear, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$95
Cincinnati	$608	$101
Kentucky Farm Bureau	$799	$134
Travelers	$1042	$175
Farm Bureau	$1073	$182
Shelter	$1171	$197
Auto-Owners	$1254	$214
Nationwide	$1262	$212
USAA	$1277	$215
State Farm	$1422	$239
Electric	$1475	$251
Progressive	$1642	$276
Allstate	$3224	$543
Grange	$1521	$253

Key Takeaways

Way's key takeaways about car insurance in Van Lear

The auto insurance costs in Van Lear fall around $556 for six months.
The cheapest auto insurance company in Van Lear is Cincinnati.
Teen drivers pay the highest rate in Van Lear at $1784 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Van Lear

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 Van Lear are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Van Lear. Their Average 6 Month Premium is $191. Allstate is the most expensive at $1331 for the same period.

Cheapest Liability Coverage in Van Lear, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$191	$32
Auto-Owners Insurance Co	$259	$44
Kentucky Farm Bureau	$289	$49
Electric	$312	$52
Nationwide	$365	$61
USAA	$380	$64
Farm Bureau	$396	$67
Travelers	$411	$69
Westfield	$426	$70
State Farm	$442	$74
Progressive	$486	$82
Shelter	$517	$87
Auto-Owners	$571	$95
Allstate	$1331	$224

Cheapest Full Coverage Car Insurance in Van Lear

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 Van Lear is AutoOwners Insurance Co at $95 per month and $556 for six months.

Cheapest Full Coverage Car Insurance Quotes in Van Lear, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$95
Cincinnati	$608	$101
Kentucky Farm Bureau	$799	$134
Travelers	$1042	$175
Farm Bureau	$1073	$182
Shelter	$1171	$197
Auto-Owners	$1254	$214
Nationwide	$1262	$212
USAA	$1277	$215
State Farm	$1422	$239
Electric	$1475	$251
Progressive	$1642	$276
Allstate	$3224	$543
Grange	$1521	$253

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Average Car Insurance in Van Lear 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 Van Lear, KY increasing?

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

Car Insurance Premiums by Age in Van Lear

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	$1266
30s	Auto-Owners	$960
40s	Auto-Owners	$938
50s	Auto-Owners	$896
60s	USAA	$932
70s	State Farm	$1038

Cheapest Car Insurance Rates for Teen Drivers in Van Lear,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Van Lear at $41 per month. At $10598 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$243	$41
Auto-Owners Insurance Co	$365	$61
Kentucky Farm Bureau	$1216	$205
Travelers	$1642	$276
Farm Bureau	$1673	$282
USAA	$1924	$324
Shelter	$2410	$406
State Farm	$2729	$460
Auto-Owners	$3802	$634
Progressive	$5094	$858
Allstate	$10598	$1784

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 Van Lear.

As young drivers face the highest rates in Van Lear, USAA offers the cheapest auto insurance rates at $1266 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 Van Lear, Cincinnati is the cheapest car insurance provider. At $326 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 Van Lear is Allstate, offering rates of around $6904 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$326	$55
Nationwide	$486	$83
Travelers	$1368	$230
Progressive	$1567	$264
USAA	$2516	$420
Farm Bureau	$3277	$557
Auto-Owners	$3634	$605
Shelter	$3726	$634
State Farm	$4950	$824
Allstate	$6904	$1174

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Car Insurance Rates with An Accident in Van Lear

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

Cheapest Car Insurance Companies after an At-Fault Accident in Van Lear

The cheapest car insurance companies after an at-fault accident in Van Lear include AutoOwners Insurance Co and Electric, offering $388 and $388, respectively. Allstate is an expensive provider with an average six-month premium of $5588.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$388	$64
Electric	$388	$67
Cincinnati	$411	$68
Kentucky Farm Bureau	$563	$95
Farm Bureau	$799	$134
Travelers	$980	$165
State Farm	$1019	$172
Shelter	$1125	$189
USAA	$1171	$197
Auto-Owners	$1725	$293
Progressive	$1932	$325
Allstate	$5588	$941

Van Lear Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Van Lear KY. For example, the car insurance in Van Lear after a DUI increases to $1589 for a six month policy. While the rate increases by $403 for a six-month policy in the case of a speeding ticket.

Van Lear auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1855	$310
One Med/PIP claim	$1870	$317
Two Med/PIP claims	$1947	$324
Not-at-fault accident	$1999	$340
One comp claim	$2030	$338
Failure to wear a seat belt	$2053	$349
Failure to show documents	$2121	$353
Two comp claims	$2121	$361
Driving without lights	$2129	$355
Child safety restraint	$2152	$366
Cell phone violation	$2235	$372
Driving with expired registration	$2243	$381
Texting while driving	$2243	$374
Driving too slowly	$2258	$384
Failure to stop at a red light	$2258	$376
Failure to yield	$2258	$384
Speeding 6 - 10 MPH over limit	$2258	$376
Speeding in school zone	$2258	$384
Following too closely	$2266	$378
Illegal turn	$2266	$385
Speeding 11 - 15 MPH over limit	$2266	$378
Wrong way/wrong lane	$2266	$385
Improper passing	$2273	$379
Speeding 16 - 20 MPH over limit	$2273	$387
Speeding 21 - 25 MPH over limit	$2319	$387
In 65 MPH zone	$2335	$397
Passing school bus	$2372	$396
Open container	$2433	$413
At-fault accident - less than $1000	$2478	$413
Operating a vehicle without permission	$2661	$453
At-fault accident - $1000-$2000	$2692	$448
At-fault accident - greater than $2000	$2692	$458
Reckless driving	$3383	$564
Refusal to submit to a chemical test	$3429	$584
DUI	$3444	$573
Driving with a suspended license	$3452	$588
Racing	$3468	$577
Leaving scene of an accident/hit and run	$3505	$596

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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 Van Lear 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 Van Lear.

The cheapest car insurance premiums in Van Lear are offered by Cincinnati at $509 for a six-month policy. However, it can be as expensive as $2897 with companies like AutoOwners.

Van Lear car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$509	$84
Kentucky Farm Bureau	$677	$115
Travelers	$913	$154
Progressive	$1110	$187
Shelter	$1117	$188
State Farm	$1148	$193
USAA	$1293	$218
Allstate	$2464	$415
Farm Bureau	$2501	$417
Auto-Owners	$2897	$493

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 Van Lear are offered by Cincinnati at $228. However, it can be as expensive as $3794 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Van Lear after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$228	$38
Kentucky Farm Bureau	$274	$46
Auto-Owners Insurance Co	$312	$52
State Farm	$859	$145
Travelers	$928	$156
Shelter	$996	$168
Farm Bureau	$1073	$182
Progressive	$1247	$210
Auto-Owners	$1277	$218
USAA	$1536	$256
Allstate	$3794	$645

Car Insurance Price Trends in Van Lear, Kentucky

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

The average cost of full coverage in the Van Lear rose by $284 in December compared to $282 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 Van Lear rose to $79 in December, compared to $77 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 Van Lear?

The car insurance in Van Lear is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Van Lear?

The cheapest car insurance in Van Lear is $95 per month for full coverage.

How much is car insurance in Van Lear for teenagers?

Car insurance for teenagers costs $243 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 Van Lear?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $220 per month to insure your car in Van Lear.

Is car insurance expensive in Van Lear?

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

Cheapest Car Insurance Quotes in Van Lear

Why you can trust Way?

How Much Is Car Insurance in Van Lear

Avg. Car Insurance in Van Lear

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Van Lear

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Van Lear Car Insurance Rates by Company

Cheap Car Insurance Companies in Van Lear, KY

Way's key takeaways about car insurance in Van Lear

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Van Lear

Cheapest Liability Coverage in Van Lear, KY

Cheapest Full Coverage Car Insurance in Van Lear

Cheapest Full Coverage Car Insurance Quotes in Van Lear, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Van Lear by Rating Factor

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

Car Insurance Premiums by Age in Van Lear

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Van Lear,KY

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

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 Van Lear

Cheapest Car Insurance Companies after an At-Fault Accident in Van Lear

Van Lear Car Insurance Rates by Violation

Van Lear auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Van Lear after a DUI

Van Lear car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Van Lear after Speeding ticket

Car Insurance Price Trends in Van Lear, Kentucky

Average Car Insurance Cost in Van Lear by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Van Lear, KY

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

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