Cheapest Car Insurance Quotes in Vine Grove

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Vine Grove Car Insurance

^$ 21

/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 Vine Grove

The car insurance rate in Vine Grove is $858 for a six-month policy, which is $164 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $365, making it a popular choice for budget-conscious drivers. Rates in Vine 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 Vine Grove

$858

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Vine Grove

1st place: AutoOwners Insurance Co

At $365 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 $399 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 $524 for six months, making it the third cheapest auto insurance company in Vine Grove.

Vine Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vine Grove, KY is AutoOwners Insurance Co, offering policies at just $365 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $399.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vine Grove drivers find the best deals.

Cheap Car Insurance Companies in Vine Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$62
Cincinnati	$399	$66
Kentucky Farm Bureau	$524	$88
Travelers	$684	$115
Farm Bureau	$704	$119
Shelter	$769	$129
Auto-Owners	$823	$140
Nationwide	$828	$139
USAA	$838	$141
State Farm	$933	$157
Electric	$968	$165
Progressive	$1078	$181
Allstate	$2116	$356
Grange	$998	$166

Key Takeaways

Way's key takeaways about car insurance in Vine Grove

The auto insurance costs in Vine Grove fall around $365 for six months.
The cheapest auto insurance company in Vine Grove is Cincinnati.
Teen drivers pay the highest rate in Vine Grove at $1171 per month.

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

Cheapest Minimum Liability Car Insurance in Vine 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 Vine Grove are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Vine Grove. Their Average 6 Month Premium is $125. Allstate is the most expensive at $874 for the same period.

Cheapest Liability Coverage in Vine Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$125	$21
Auto-Owners Insurance Co	$170	$29
Kentucky Farm Bureau	$190	$32
Electric	$205	$34
Nationwide	$239	$40
USAA	$249	$42
Farm Bureau	$260	$44
Travelers	$270	$45
Westfield	$280	$46
State Farm	$290	$49
Progressive	$319	$54
Shelter	$339	$57
Auto-Owners	$375	$62
Allstate	$874	$147

Cheapest Full Coverage Car Insurance in Vine 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 Vine Grove is AutoOwners Insurance Co at $62 per month and $365 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vine Grove, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$62
Cincinnati	$399	$66
Kentucky Farm Bureau	$524	$88
Travelers	$684	$115
Farm Bureau	$704	$119
Shelter	$769	$129
Auto-Owners	$823	$140
Nationwide	$828	$139
USAA	$838	$141
State Farm	$933	$157
Electric	$968	$165
Progressive	$1078	$181
Allstate	$2116	$356
Grange	$998	$166

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Average Car Insurance in Vine 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 Vine Grove, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Vine 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, Vine 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 Vine 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	$831
30s	Auto-Owners	$630
40s	Auto-Owners	$616
50s	Auto-Owners	$588
60s	USAA	$612
70s	State Farm	$681

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

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Vine Grove at $27 per month. At $6955 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$160	$27
Auto-Owners Insurance Co	$239	$40
Kentucky Farm Bureau	$798	$134
Travelers	$1078	$181
Farm Bureau	$1098	$185
USAA	$1263	$213
Shelter	$1582	$266
State Farm	$1791	$302
Auto-Owners	$2495	$416
Progressive	$3343	$563
Allstate	$6955	$1171

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 Vine Grove.

As young drivers face the highest rates in Vine Grove, USAA offers the cheapest auto insurance rates at $831 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 Vine Grove, Cincinnati is the cheapest car insurance provider. At $214 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 Vine Grove is Allstate, offering rates of around $4531 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$214	$36
Nationwide	$319	$55
Travelers	$898	$151
Progressive	$1028	$173
USAA	$1651	$276
Farm Bureau	$2150	$365
Auto-Owners	$2385	$397
Shelter	$2445	$416
State Farm	$3248	$541
Allstate	$4531	$770

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Save up to $971/yr on car insurance rates in Vine Grove.

Car Insurance Rates with An Accident in Vine 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 Vine Grove, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Vine Grove include AutoOwners Insurance Co and Electric, offering $255 and $255, respectively. Allstate is an expensive provider with an average six-month premium of $3667.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$42
Electric	$255	$44
Cincinnati	$270	$45
Kentucky Farm Bureau	$370	$62
Farm Bureau	$524	$88
Travelers	$643	$108
State Farm	$669	$113
Shelter	$738	$124
USAA	$769	$129
Auto-Owners	$1132	$192
Progressive	$1268	$213
Allstate	$3667	$617

Vine Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vine Grove KY. For example, the car insurance in Vine Grove after a DUI increases to $1043 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Vine Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1217	$203
One Med/PIP claim	$1227	$208
Two Med/PIP claims	$1278	$213
Not-at-fault accident	$1312	$223
One comp claim	$1332	$222
Failure to wear a seat belt	$1347	$229
Failure to show documents	$1392	$232
Two comp claims	$1392	$237
Driving without lights	$1397	$233
Child safety restraint	$1412	$240
Cell phone violation	$1467	$244
Driving with expired registration	$1472	$250
Texting while driving	$1472	$245
Driving too slowly	$1482	$252
Failure to stop at a red light	$1482	$247
Failure to yield	$1482	$252
Speeding 6 - 10 MPH over limit	$1482	$247
Speeding in school zone	$1482	$252
Following too closely	$1487	$248
Illegal turn	$1487	$253
Speeding 11 - 15 MPH over limit	$1487	$248
Wrong way/wrong lane	$1487	$253
Improper passing	$1492	$249
Speeding 16 - 20 MPH over limit	$1492	$254
Speeding 21 - 25 MPH over limit	$1522	$254
In 65 MPH zone	$1532	$260
Passing school bus	$1557	$260
Open container	$1597	$271
At-fault accident - less than $1000	$1626	$271
Operating a vehicle without permission	$1746	$297
At-fault accident - $1000-$2000	$1767	$294
At-fault accident - greater than $2000	$1767	$301
Reckless driving	$2220	$370
Refusal to submit to a chemical test	$2250	$383
DUI	$2260	$376
Driving with a suspended license	$2265	$386
Racing	$2276	$379
Leaving scene of an accident/hit and run	$2300	$391

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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 Vine 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 Vine Grove.

The cheapest car insurance premiums in Vine Grove are offered by Cincinnati at $334 for a six-month policy. However, it can be as expensive as $1901 with companies like AutoOwners.

Vine Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$334	$55
Kentucky Farm Bureau	$444	$76
Travelers	$599	$101
Progressive	$728	$123
Shelter	$733	$123
State Farm	$753	$127
USAA	$848	$143
Allstate	$1617	$272
Farm Bureau	$1641	$274
Auto-Owners	$1901	$323

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 Vine Grove are offered by Cincinnati at $150. However, it can be as expensive as $2490 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Vine Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$150	$25
Kentucky Farm Bureau	$180	$30
Auto-Owners Insurance Co	$205	$34
State Farm	$564	$95
Travelers	$609	$102
Shelter	$654	$110
Farm Bureau	$704	$119
Progressive	$818	$138
Auto-Owners	$838	$143
USAA	$1008	$168
Allstate	$2490	$423

Car Insurance Price Trends in Vine Grove, Kentucky

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

The average cost of full coverage in the Vine Grove rose by $186 in December compared to $185 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Vine Grove rose to $52 in December, compared to $50 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 Vine Grove?

The car insurance in Vine Grove is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Vine Grove?

The cheapest car insurance in Vine Grove is $62 per month for full coverage.

How much is car insurance in Vine Grove for teenagers?

Car insurance for teenagers costs $160 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 Vine Grove?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $144 per month to insure your car in Vine Grove.

Is car insurance expensive in Vine Grove?

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

Cheapest Car Insurance Quotes in Vine Grove

Why you can trust Way?

How Much Is Car Insurance in Vine Grove

Avg. Car Insurance in Vine Grove

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Vine Grove

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Vine Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Vine Grove, KY

Way's key takeaways about car insurance in Vine Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vine Grove

Cheapest Liability Coverage in Vine Grove, KY

Cheapest Full Coverage Car Insurance in Vine Grove

Cheapest Full Coverage Car Insurance Quotes in Vine Grove, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vine Grove by Rating Factor

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

Car Insurance Premiums by Age in Vine Grove

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Vine Grove Car Insurance Rates by Violation

Vine Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vine Grove after a DUI

Vine Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vine Grove after Speeding ticket

Car Insurance Price Trends in Vine Grove, Kentucky

Average Car Insurance Cost in Vine Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vine Grove, KY

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

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