Cheapest Car Insurance Quotes in West Buechel

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West Buechel Car Insurance

^$ 27

/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 West Buechel

The car insurance rate in West Buechel is $1104 for a six-month policy, which is $82 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in West Buechel 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 West Buechel

$1104

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in West Buechel

1st place: AutoOwners Insurance Co

At $469 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 $513 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 $674 for six months, making it the third cheapest auto insurance company in West Buechel.

West Buechel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Buechel, KY is AutoOwners Insurance Co, offering policies at just $469 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $513.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Buechel drivers find the best deals.

Cheap Car Insurance Companies in West Buechel, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$469	$80
Cincinnati	$513	$85
Kentucky Farm Bureau	$674	$113
Travelers	$879	$148
Farm Bureau	$905	$153
Shelter	$988	$166
Auto-Owners	$1058	$180
Nationwide	$1065	$179
USAA	$1078	$181
State Farm	$1200	$202
Electric	$1244	$212
Progressive	$1386	$233
Allstate	$2721	$458
Grange	$1283	$214

Key Takeaways

Way's key takeaways about car insurance in West Buechel

The auto insurance costs in West Buechel fall around $469 for six months.
The cheapest auto insurance company in West Buechel is Cincinnati.
Teen drivers pay the highest rate in West Buechel at $1506 per month.

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Cheapest Minimum Liability Car Insurance in West Buechel

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 West Buechel are given below.

Cincinnati provides the cheapest minimum car insurance coverage in West Buechel. Their Average 6 Month Premium is $161. Allstate is the most expensive at $1123 for the same period.

Cheapest Liability Coverage in West Buechel, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$161	$27
Auto-Owners Insurance Co	$218	$37
Kentucky Farm Bureau	$244	$41
Electric	$264	$44
Nationwide	$308	$52
USAA	$321	$54
Farm Bureau	$334	$56
Travelers	$347	$58
Westfield	$360	$59
State Farm	$373	$63
Progressive	$410	$69
Shelter	$436	$73
Auto-Owners	$482	$80
Allstate	$1123	$189

Cheapest Full Coverage Car Insurance in West Buechel

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 West Buechel is AutoOwners Insurance Co at $80 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Buechel, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$469	$80
Cincinnati	$513	$85
Kentucky Farm Bureau	$674	$113
Travelers	$879	$148
Farm Bureau	$905	$153
Shelter	$988	$166
Auto-Owners	$1058	$180
Nationwide	$1065	$179
USAA	$1078	$181
State Farm	$1200	$202
Electric	$1244	$212
Progressive	$1386	$233
Allstate	$2721	$458
Grange	$1283	$214

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Average Car Insurance in West Buechel 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 West Buechel, KY increasing?

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

Car Insurance Premiums by Age in West Buechel

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	$1068
30s	Auto-Owners	$810
40s	Auto-Owners	$792
50s	Auto-Owners	$756
60s	USAA	$786
70s	State Farm	$876

Cheapest Car Insurance Rates for Teen Drivers in West Buechel,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the West Buechel at $35 per month. At $8942 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$205	$35
Auto-Owners Insurance Co	$308	$52
Kentucky Farm Bureau	$1026	$173
Travelers	$1386	$233
Farm Bureau	$1412	$238
USAA	$1623	$273
Shelter	$2034	$342
State Farm	$2303	$388
Auto-Owners	$3208	$535
Progressive	$4298	$724
Allstate	$8942	$1506

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 West Buechel.

As young drivers face the highest rates in West Buechel, USAA offers the cheapest auto insurance rates at $1068 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 West Buechel, Cincinnati is the cheapest car insurance provider. At $275 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 West Buechel is Allstate, offering rates of around $5826 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$275	$46
Nationwide	$410	$70
Travelers	$1155	$194
Progressive	$1322	$222
USAA	$2123	$354
Farm Bureau	$2765	$470
Auto-Owners	$3066	$511
Shelter	$3144	$535
State Farm	$4176	$696
Allstate	$5826	$990

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in West Buechel.

Car Insurance Rates with An Accident in West Buechel

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 West Buechel, KY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Buechel

The cheapest car insurance companies after an at-fault accident in West Buechel include AutoOwners Insurance Co and Electric, offering $327 and $327, respectively. Allstate is an expensive provider with an average six-month premium of $4715.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$327	$54
Electric	$327	$56
Cincinnati	$347	$57
Kentucky Farm Bureau	$475	$80
Farm Bureau	$674	$113
Travelers	$827	$139
State Farm	$860	$145
Shelter	$949	$160
USAA	$988	$166
Auto-Owners	$1456	$247
Progressive	$1630	$274
Allstate	$4715	$794

West Buechel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Buechel KY. For example, the car insurance in West Buechel after a DUI increases to $1341 for a six month policy. While the rate increases by $340 for a six-month policy in the case of a speeding ticket.

West Buechel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1565	$261
One Med/PIP claim	$1578	$268
Two Med/PIP claims	$1643	$273
Not-at-fault accident	$1687	$287
One comp claim	$1713	$285
Failure to wear a seat belt	$1732	$295
Failure to show documents	$1790	$298
Two comp claims	$1790	$305
Driving without lights	$1796	$299
Child safety restraint	$1815	$309
Cell phone violation	$1886	$314
Driving with expired registration	$1892	$322
Texting while driving	$1892	$315
Driving too slowly	$1905	$324
Failure to stop at a red light	$1905	$318
Failure to yield	$1905	$324
Speeding 6 - 10 MPH over limit	$1905	$318
Speeding in school zone	$1905	$324
Following too closely	$1912	$319
Illegal turn	$1912	$325
Speeding 11 - 15 MPH over limit	$1912	$319
Wrong way/wrong lane	$1912	$325
Improper passing	$1918	$320
Speeding 16 - 20 MPH over limit	$1918	$326
Speeding 21 - 25 MPH over limit	$1957	$326
In 65 MPH zone	$1970	$335
Passing school bus	$2001	$334
Open container	$2053	$349
At-fault accident - less than $1000	$2091	$349
Operating a vehicle without permission	$2245	$382
At-fault accident - $1000-$2000	$2271	$378
At-fault accident - greater than $2000	$2271	$387
Reckless driving	$2854	$476
Refusal to submit to a chemical test	$2893	$492
DUI	$2906	$484
Driving with a suspended license	$2913	$496
Racing	$2926	$487
Leaving scene of an accident/hit and run	$2957	$503

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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 West Buechel 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 West Buechel.

The cheapest car insurance premiums in West Buechel are offered by Cincinnati at $430 for a six-month policy. However, it can be as expensive as $2444 with companies like AutoOwners.

West Buechel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$430	$71
Kentucky Farm Bureau	$571	$97
Travelers	$770	$130
Progressive	$936	$158
Shelter	$943	$159
State Farm	$969	$163
USAA	$1091	$184
Allstate	$2079	$350
Farm Bureau	$2110	$352
Auto-Owners	$2444	$416

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 West Buechel are offered by Cincinnati at $192. However, it can be as expensive as $3201 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Buechel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$192	$32
Kentucky Farm Bureau	$231	$39
Auto-Owners Insurance Co	$264	$44
State Farm	$725	$122
Travelers	$783	$132
Shelter	$840	$141
Farm Bureau	$905	$153
Progressive	$1052	$177
Auto-Owners	$1078	$184
USAA	$1296	$216
Allstate	$3201	$544

Car Insurance Price Trends in West Buechel, Kentucky

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

The average cost of full coverage in the West Buechel rose by $240 in December compared to $238 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 West Buechel rose to $67 in December, compared to $65 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 West Buechel?

The car insurance in West Buechel is $27 per month, which is lower than the national average.

What is the cheapest car insurance in West Buechel?

The cheapest car insurance in West Buechel is $80 per month for full coverage.

How much is car insurance in West Buechel for teenagers?

Car insurance for teenagers costs $205 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 West Buechel?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $186 per month to insure your car in West Buechel.

Is car insurance expensive in West Buechel?

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

Cheapest Car Insurance Quotes in West Buechel

Why you can trust Way?

How Much Is Car Insurance in West Buechel

Avg. Car Insurance in West Buechel

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in West Buechel

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

West Buechel Car Insurance Rates by Company

Cheap Car Insurance Companies in West Buechel, KY

Way's key takeaways about car insurance in West Buechel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Buechel

Cheapest Liability Coverage in West Buechel, KY

Cheapest Full Coverage Car Insurance in West Buechel

Cheapest Full Coverage Car Insurance Quotes in West Buechel, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Buechel by Rating Factor

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

Car Insurance Premiums by Age in West Buechel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Buechel,KY

If you are in your twenties USAA is the best choice for car insurance in West Buechel.

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 West Buechel

Cheapest Car Insurance Companies after an At-Fault Accident in West Buechel

West Buechel Car Insurance Rates by Violation

West Buechel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Buechel after a DUI

West Buechel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Buechel after Speeding ticket

Car Insurance Price Trends in West Buechel, Kentucky

Average Car Insurance Cost in West Buechel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Buechel, KY

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

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