We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Wendover 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 Wendover
The car insurance rate in Wendover is $1329 for a six-month policy, which is $307 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, making it a popular choice for budget-conscious drivers. Rates in Wendover 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 $564 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 $618 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 $811
for six months, making it
the third cheapest auto insurance company in Wendover.
Wendover Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wendover, KY is AutoOwners Insurance Co, offering policies at just $564 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $618.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1544 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wendover drivers find the best deals.
Way's key takeaways about car insurance in Wendover
The auto insurance costs in Wendover fall around $564 for six
months.
The cheapest auto insurance company in Wendover is Cincinnati.
Teen drivers pay the highest rate in Wendover at $1812 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 Wendover
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 Wendover are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Wendover. Their Average 6 Month Premium is $194.
Allstate is the most
expensive at $1352 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 Wendover is AutoOwners Insurance Co
at $96 per month and $564
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wendover,
KY
Get Your Car Insurance Quote in Wendover
Instantly!
Average Car Insurance in Wendover 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 Wendover, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wendover, 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, Wendover's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wendover
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
$1286
30s
Auto-Owners
$975
40s
Auto-Owners
$953
50s
Auto-Owners
$910
60s
USAA
$946
70s
State Farm
$1054
Cheapest Car Insurance Rates for Teen Drivers in
Wendover,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Wendover at $42
per
month. At $10764 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 Wendover.
As young drivers face the highest rates in Wendover, USAA
offers the cheapest auto insurance rates at $1286 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 Wendover,
Cincinnati is
the cheapest car insurance provider. At $332 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
Wendover is Allstate, offering
rates of around $7012 for six
months.
Save up to $971/yr on car insurance rates in Wendover.
Car Insurance Rates with An Accident in Wendover
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 Wendover, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wendover
The cheapest car insurance companies after an at-fault accident in
Wendover include AutoOwners Insurance Co
and Electric, offering $394
and $394,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5676.
Here is a list of driving violations that can increase your car
insurance rates in Wendover KY. For example, the car
insurance in Wendover
after a DUI increases to $1614 for a six
month policy. While the rate increases by $409 for a six-month policy in the case of
a speeding ticket.
Wendover auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1884
$315
One Med/PIP claim
$1899
$322
Two Med/PIP claims
$1977
$329
Not-at-fault accident
$2031
$346
One comp claim
$2062
$343
Failure to wear a seat belt
$2085
$355
Failure to show documents
$2154
$359
Two comp claims
$2154
$367
Driving without lights
$2162
$360
Child safety restraint
$2185
$372
Cell phone violation
$2270
$378
Driving with expired registration
$2278
$387
Texting while driving
$2278
$380
Driving too slowly
$2293
$390
Failure to stop at a red light
$2293
$382
Failure to yield
$2293
$390
Speeding 6 - 10 MPH over limit
$2293
$382
Speeding in school zone
$2293
$390
Following too closely
$2301
$384
Illegal turn
$2301
$391
Speeding 11 - 15 MPH over limit
$2301
$384
Wrong way/wrong lane
$2301
$391
Improper passing
$2309
$385
Speeding 16 - 20 MPH over limit
$2309
$393
Speeding 21 - 25 MPH over limit
$2356
$393
In 65 MPH zone
$2371
$403
Passing school bus
$2409
$402
Open container
$2471
$420
At-fault accident - less than $1000
$2517
$420
Operating a vehicle without permission
$2703
$460
At-fault accident - $1000-$2000
$2734
$455
At-fault accident - greater than $2000
$2734
$465
Reckless driving
$3436
$573
Refusal to submit to a chemical test
$3483
$593
DUI
$3498
$582
Driving with a suspended license
$3506
$597
Racing
$3522
$586
Leaving scene of an accident/hit and run
$3559
$606
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Wendover 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 Wendover.
The cheapest car insurance premiums in
Wendover are
offered by Cincinnati at $517 for a six-month policy.
However, it can be as
expensive as $2942 with companies
like AutoOwners.
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 Wendover are offered by Cincinnati
at $231. However,
it can be as expensive as $3853
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Wendover after Speeding ticket
Car insurance rates in Wendover have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wendover rose by
$289 in December
compared to $286 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Wendover rose to $81 in December,
compared to $78 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Wendover by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wendover. At $2657 for a
six-month policy, insuring
your car at 41775 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Wendover?
The car insurance in Wendover is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Wendover?
The cheapest car insurance in Wendover
is $96 per month
for full coverage.
How much is car insurance in Wendover for teenagers?
Car insurance for teenagers costs $247 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
Wendover?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $224 per month to insure your
car in Wendover.
Is car insurance expensive in Wendover?
Car insurance can be expensive in Wendover if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wendover can be
affordable.
What is the best car insurance in Wendover,
KY?
The best car insurance company in Wendover
KY is
AutoOwners Insurance Co, offering $564 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Wendover right now.
Find Car Insurance Rates in Cities Near Wendover, KY
Car Insurance Rates by State in the USA (2025 Update)
Wendover Car Insurance
