Cheapest Car Insurance Quotes in Water Valley

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Water Valley Car Insurance

^$ 24

/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 Water Valley

The car insurance rate in Water Valley is $1036 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Water Valley 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 Water Valley

$1036

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Water Valley

1st place: AutoOwners Insurance Co

At $412 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 $451 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 $593 for six months, making it the third cheapest auto insurance company in Water Valley.

Water Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Water Valley, KY is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $451.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Water Valley drivers find the best deals.

Cheap Car Insurance Companies in Water Valley, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Cincinnati	$451	$77
Kentucky Farm Bureau	$593	$100
Travelers	$801	$135
Shelter	$897	$151
USAA	$925	$156
Auto-Owners	$1094	$182
Electric	$1094	$186
State Farm	$1094	$184
Farm Bureau	$1151	$196
Progressive	$1219	$205
Nationwide	$1315	$221
Allstate	$2415	$403

Key Takeaways

Way's key takeaways about car insurance in Water Valley

The auto insurance costs in Water Valley fall around $412 for six months.
The cheapest auto insurance company in Water Valley is Cincinnati.
Teen drivers pay the highest rate in Water Valley at $1214 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Water Valley

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 Water Valley are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Water Valley. Their Average 6 Month Premium is $142. Allstate is the most expensive at $903 for the same period.

Cheapest Liability Coverage in Water Valley, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$142	$24
Auto-Owners Insurance Co	$192	$32
Kentucky Farm Bureau	$215	$36
Electric	$232	$39
USAA	$282	$48
Travelers	$299	$50
Westfield	$316	$54
Farm Bureau	$333	$56
State Farm	$344	$58
Progressive	$378	$64
Shelter	$390	$66
Auto-Owners	$451	$75
Nationwide	$536	$90
Allstate	$903	$150

Cheapest Full Coverage Car Insurance in Water Valley

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 Water Valley is AutoOwners Insurance Co at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Water Valley, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Cincinnati	$451	$77
Kentucky Farm Bureau	$593	$100
Travelers	$801	$135
Shelter	$897	$151
USAA	$925	$156
Auto-Owners	$1094	$182
Electric	$1094	$186
State Farm	$1094	$184
Farm Bureau	$1151	$196
Progressive	$1219	$205
Nationwide	$1315	$221
Allstate	$2415	$403

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Average Car Insurance in Water Valley 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 Water Valley, KY increasing?

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

Car Insurance Premiums by Age in Water Valley

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	$906
30s	Auto-Owners	$687
40s	Auto-Owners	$672
50s	Auto-Owners	$641
60s	USAA	$667
70s	State Farm	$743

Cheapest Car Insurance Rates for Teen Drivers in Water Valley,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Water Valley at $30 per month. At $7286 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$181	$30
Auto-Owners Insurance Co	$271	$46
Kentucky Farm Bureau	$903	$152
Travelers	$1309	$220
USAA	$1535	$258
Farm Bureau	$1739	$293
Shelter	$1873	$315
State Farm	$2121	$357
Auto-Owners	$2968	$504
Progressive	$3718	$626
Nationwide	$7263	$1235
Allstate	$7286	$1214

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 Water Valley.

As young drivers face the highest rates in Water Valley, USAA offers the cheapest auto insurance rates at $906 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 Water Valley, Cincinnati is the cheapest car insurance provider. At $242 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 Water Valley is Allstate, offering rates of around $5124 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$242	$41
Travelers	$1100	$185
Progressive	$1134	$191
USAA	$1411	$240
Nationwide	$1783	$300
Shelter	$3019	$513
Auto-Owners	$3087	$515
Farm Bureau	$3522	$599
State Farm	$4672	$779
Allstate	$5124	$871

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Save up to $971/yr on car insurance rates in Water Valley.

Car Insurance Rates with An Accident in Water Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Water Valley

The cheapest car insurance companies after an at-fault accident in Water Valley include AutoOwners Insurance Co and Electric, offering $288 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $3595.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$48
Electric	$288	$49
Cincinnati	$305	$50
Farm Bureau	$384	$66
Kentucky Farm Bureau	$418	$70
Travelers	$768	$129
State Farm	$785	$132
USAA	$841	$142
Shelter	$864	$145
Progressive	$1467	$247
Auto-Owners	$1524	$254
Nationwide	$3144	$535
Allstate	$3595	$599

Water Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Water Valley KY. For example, the car insurance in Water Valley after a DUI increases to $1179 for a six month policy. While the rate increases by $299 for a six-month policy in the case of a speeding ticket.

Water Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1377	$230
One Med/PIP claim	$1388	$236
Two Med/PIP claims	$1445	$240
Not-at-fault accident	$1484	$253
One comp claim	$1507	$251
Failure to wear a seat belt	$1524	$259
Failure to show documents	$1574	$262
Two comp claims	$1574	$268
Driving without lights	$1580	$263
Child safety restraint	$1597	$272
Cell phone violation	$1659	$276
Driving with expired registration	$1664	$283
Texting while driving	$1664	$277
Driving too slowly	$1676	$285
Failure to stop at a red light	$1676	$279
Failure to yield	$1676	$285
Speeding 6 - 10 MPH over limit	$1676	$279
Speeding in school zone	$1676	$285
Following too closely	$1682	$280
Illegal turn	$1682	$286
Speeding 11 - 15 MPH over limit	$1682	$280
Wrong way/wrong lane	$1682	$286
Improper passing	$1687	$281
Speeding 16 - 20 MPH over limit	$1687	$287
Speeding 21 - 25 MPH over limit	$1721	$287
In 65 MPH zone	$1733	$295
Passing school bus	$1760	$294
Open container	$1806	$307
At-fault accident - less than $1000	$1839	$307
Operating a vehicle without permission	$1975	$336
At-fault accident - $1000-$2000	$1998	$333
At-fault accident - greater than $2000	$1998	$340
Reckless driving	$2511	$419
Refusal to submit to a chemical test	$2545	$433
DUI	$2556	$426
Driving with a suspended license	$2562	$436
Racing	$2574	$428
Leaving scene of an accident/hit and run	$2601	$443

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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 Water Valley 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 Water Valley.

The cheapest car insurance premiums in Water Valley are offered by Cincinnati at $378 for a six-month policy. However, it can be as expensive as $4092 with companies like Nationwide.

Water Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$378	$65
Allstate	$491	$82
Kentucky Farm Bureau	$503	$86
Travelers	$728	$123
Progressive	$807	$136
Shelter	$869	$146
State Farm	$914	$154
USAA	$1061	$179
Auto-Owners	$2511	$427
Farm Bureau	$2726	$454
Nationwide	$4092	$695

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 Water Valley are offered by Cincinnati at $169. However, it can be as expensive as $2816 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Water Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$169	$29
Kentucky Farm Bureau	$203	$34
Auto-Owners Insurance Co	$232	$39
State Farm	$706	$119
Travelers	$756	$127
Shelter	$790	$133
Progressive	$993	$167
USAA	$1033	$176
Auto-Owners	$1146	$191
Farm Bureau	$1151	$196
Nationwide	$2065	$344
Allstate	$2816	$479

Car Insurance Price Trends in Water Valley, Kentucky

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

The average cost of full coverage in the Water Valley rose by $215 in January compared to $211 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Water Valley dipped to $58 in January, compared to $59 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Water Valley?

The car insurance in Water Valley is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Water Valley?

The cheapest car insurance in Water Valley is $68 per month for full coverage.

How much is car insurance in Water Valley for teenagers?

Car insurance for teenagers costs $181 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 Water Valley?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $174 per month to insure your car in Water Valley.

Is car insurance expensive in Water Valley?

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

Cheapest Car Insurance Quotes in Water Valley

Why you can trust Way?

How Much Is Car Insurance in Water Valley

Avg. Car Insurance in Water Valley

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Water Valley

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Water Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Water Valley, KY

Way's key takeaways about car insurance in Water Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Water Valley

Cheapest Liability Coverage in Water Valley, KY

Cheapest Full Coverage Car Insurance in Water Valley

Cheapest Full Coverage Car Insurance Quotes in Water Valley, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Water Valley by Rating Factor

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

Car Insurance Premiums by Age in Water Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Water Valley,KY

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

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 Water Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Water Valley

Water Valley Car Insurance Rates by Violation

Water Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Water Valley after a DUI

Water Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Water Valley after Speeding ticket

Car Insurance Price Trends in Water Valley, Kentucky

Average Car Insurance Cost in Water Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Water Valley, KY

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

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