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Warsaw Car Insurance
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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.
The car insurance rate in the Warsaw is $939, which is $71 lower than the state average. AutoOwners Insurance Co offers the cheapest insurance rates in the city at $404 for a six-month policy.
$939
$1010
$1146
At $404 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Cincinnati offers auto insurance rates at $442 for a six-month policy, making it one of the cheapest to insure with.
Kentucky Farm Bureau offers auto insurance rates at $536 for six months, making it the third cheapest auto insurance company in Warsaw.
Based on our research, the cheapest car insurance companies in Warsaw KY include AutoOwners Insurance Co, offering $404 for a six-month policy. This is followed by Cincinnati, with an average six-month premium of $442. Allstate is the most expensive, at $2403.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $404 | $69 |
| Cincinnati | $442 | $73 |
| Kentucky Farm Bureau | $536 | $90 |
| Nationwide | $552 | $92 |
| Travelers | $707 | $119 |
| Farm Bureau | $779 | $130 |
| USAA | $862 | $145 |
| Shelter | $939 | $158 |
| Auto-Owners | $1050 | $177 |
| Electric | $1071 | $179 |
| Grange | $1105 | $188 |
| State Farm | $1110 | $187 |
| Progressive | $1193 | $201 |
| Allstate | $2403 | $405 |
Save up to $971/yr with our auto insurance quotes
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 Warsaw are given below.
Cincinnati provides the cheapest minimum car insurance coverage in Warsaw. Their Average 6 Month Premium is $139. Allstate is the most expensive at $972 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $139 | $23 |
| Auto-Owners Insurance Co | $188 | $32 |
| Kentucky Farm Bureau | $205 | $34 |
| Electric | $216 | $36 |
| Farm Bureau | $248 | $42 |
| Nationwide | $265 | $45 |
| USAA | $265 | $45 |
| Travelers | $287 | $48 |
| Westfield | $310 | $53 |
| State Farm | $331 | $56 |
| Progressive | $353 | $60 |
| Shelter | $376 | $63 |
| Auto-Owners | $415 | $71 |
| Allstate | $972 | $164 |
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 Warsaw is AutoOwners Insurance Co at $69 per month and $404 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $404 | $69 |
| Cincinnati | $442 | $73 |
| Kentucky Farm Bureau | $536 | $90 |
| Nationwide | $552 | $92 |
| Travelers | $707 | $119 |
| Farm Bureau | $779 | $130 |
| USAA | $862 | $145 |
| Shelter | $939 | $158 |
| Auto-Owners | $1050 | $177 |
| Electric | $1071 | $179 |
| Grange | $1105 | $188 |
| State Farm | $1110 | $187 |
| Progressive | $1193 | $201 |
| Allstate | $2403 | $405 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Warsaw, 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, Warsaw's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $920 |
| 30s | Auto-Owners | $698 |
| 40s | Auto-Owners | $682 |
| 50s | Auto-Owners | $651 |
| 60s | USAA | $677 |
| 70s | State Farm | $754 |
If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Warsaw at $30 per month. At $7700 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $177 | $30 |
| Auto-Owners Insurance Co | $265 | $45 |
| Kentucky Farm Bureau | $884 | $149 |
| Travelers | $1193 | $201 |
| Farm Bureau | $1216 | $205 |
| USAA | $1398 | $235 |
| Auto-Owners | $1597 | $269 |
| Shelter | $1751 | $295 |
| State Farm | $2519 | $424 |
| Progressive | $3701 | $623 |
| Allstate | $7700 | $1296 |
Teen Car Insurance Rates in KY by Age
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.
For those with poor credit scores in Warsaw, Cincinnati is the cheapest car insurance provider. At $237 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 Warsaw is Allstate, offering rates of around $5016 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $237 | $40 |
| Nationwide | $353 | $60 |
| Travelers | $994 | $167 |
| Progressive | $1138 | $192 |
| USAA | $1828 | $305 |
| Farm Bureau | $2381 | $405 |
| Auto-Owners | $2640 | $440 |
| Shelter | $2707 | $460 |
| State Farm | $3596 | $599 |
| Allstate | $5016 | $853 |
Save up to $971/yr on car insurance rates in Warsaw.
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 Warsaw, KY, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Warsaw include Electric and AutoOwners Insurance Co, offering $227 and $282, respectively. Allstate is an expensive provider with an average six-month premium of $4060.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Electric | $227 | $38 |
| Auto-Owners Insurance Co | $282 | $48 |
| Cincinnati | $299 | $49 |
| Kentucky Farm Bureau | $409 | $69 |
| Farm Bureau | $580 | $98 |
| Travelers | $712 | $120 |
| State Farm | $757 | $127 |
| Shelter | $829 | $140 |
| USAA | $851 | $143 |
| Auto-Owners | $1254 | $213 |
| Progressive | $1403 | $236 |
| Allstate | $4060 | $684 |
Here is a list of driving violations that can increase your car insurance rates in Warsaw KY. For example, the car insurance in Warsaw after a DUI increases to $1155 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1348 | $225 |
| One Med/PIP claim | $1359 | $231 |
| Two Med/PIP claims | $1415 | $235 |
| Not-at-fault accident | $1453 | $247 |
| One comp claim | $1475 | $246 |
| Failure to wear a seat belt | $1492 | $254 |
| Failure to show documents | $1541 | $257 |
| Two comp claims | $1541 | $262 |
| Driving without lights | $1547 | $258 |
| Child safety restraint | $1563 | $266 |
| Cell phone violation | $1624 | $271 |
| Driving with expired registration | $1629 | $277 |
| Texting while driving | $1629 | $272 |
| Driving too slowly | $1641 | $279 |
| Failure to stop at a red light | $1641 | $273 |
| Failure to yield | $1641 | $279 |
| Speeding 6 - 10 MPH over limit | $1641 | $273 |
| Speeding in school zone | $1641 | $279 |
| Following too closely | $1646 | $274 |
| Illegal turn | $1646 | $280 |
| Speeding 11 - 15 MPH over limit | $1646 | $274 |
| Wrong way/wrong lane | $1646 | $280 |
| Improper passing | $1652 | $275 |
| Speeding 16 - 20 MPH over limit | $1652 | $281 |
| Speeding 21 - 25 MPH over limit | $1685 | $281 |
| In 65 MPH zone | $1696 | $288 |
| Passing school bus | $1723 | $287 |
| Open container | $1768 | $300 |
| At-fault accident - less than $1000 | $1800 | $300 |
| Operating a vehicle without permission | $1933 | $329 |
| At-fault accident - $1000-$2000 | $1956 | $326 |
| At-fault accident - greater than $2000 | $1956 | $333 |
| Reckless driving | $2458 | $410 |
| Refusal to submit to a chemical test | $2491 | $424 |
| DUI | $2503 | $417 |
| Driving with a suspended license | $2508 | $427 |
| Racing | $2519 | $419 |
| Leaving scene of an accident/hit and run | $2546 | $433 |
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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.
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 Warsaw.
The cheapest car insurance premiums in Warsaw are offered by Cincinnati at $370 for a six-month policy. However, it can be as expensive as $2105 with companies like AutoOwners.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $370 | $61 |
| Kentucky Farm Bureau | $492 | $84 |
| Travelers | $663 | $112 |
| Progressive | $806 | $136 |
| Shelter | $812 | $137 |
| State Farm | $851 | $143 |
| USAA | $939 | $158 |
| Allstate | $1790 | $301 |
| Farm Bureau | $1817 | $303 |
| Auto-Owners | $2105 | $358 |
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 Warsaw are offered by Cincinnati at $166. However, it can be as expensive as $2757 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $166 | $28 |
| Kentucky Farm Bureau | $199 | $33 |
| Auto-Owners Insurance Co | $227 | $38 |
| State Farm | $624 | $105 |
| Travelers | $674 | $113 |
| Shelter | $724 | $122 |
| Farm Bureau | $779 | $130 |
| Progressive | $906 | $153 |
| Auto-Owners | $928 | $154 |
| USAA | $1116 | $190 |
| Allstate | $2757 | $459 |
Car insurance rates in Warsaw have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Warsaw remained steady at $206 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Warsaw remained steady at $57 in both August and July, indicating no change over the two month period.
How much is car insurance in Warsaw?
The car insurance in Warsaw is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Warsaw?
The cheapest car insurance in Warsaw is $69 per month for full coverage.
How much is car insurance in Warsaw for teenagers?
Car insurance for teenagers costs $177 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 Warsaw?
The average cost of car insurance is $1010 for a six-month policy. It will cost around $157 per month to insure your car in Warsaw.
Is car insurance expensive in Warsaw?
Car insurance can be expensive in Warsaw if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Warsaw can be affordable.
What is the best car insurance in Warsaw, KY?
The best car insurance company in Warsaw KY is AutoOwners Insurance Co, offering $404 for a six-month policy.
Cut auto insurance costs in Warsaw right now.