Cheapest Car Insurance Quotes in Westwood

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Westwood 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 Westwood

The car insurance rate in Westwood is $838 for a six-month policy, which is $184 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $356, making it a popular choice for budget-conscious drivers. Rates in Westwood 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 Westwood

$838

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Westwood

1st place: AutoOwners Insurance Co

At $356 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 $390 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 $512 for six months, making it the third cheapest auto insurance company in Westwood.

Westwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Westwood, KY is AutoOwners Insurance Co, offering policies at just $356 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $390.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $974 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Westwood drivers find the best deals.

Cheap Car Insurance Companies in Westwood, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$61
Cincinnati	$390	$65
Kentucky Farm Bureau	$512	$86
Travelers	$667	$112
Farm Bureau	$687	$116
Shelter	$750	$126
Auto-Owners	$804	$137
Nationwide	$809	$136
USAA	$818	$138
State Farm	$911	$153
Electric	$945	$161
Progressive	$1052	$177
Allstate	$2066	$348
Grange	$974	$162

Key Takeaways

Way's key takeaways about car insurance in Westwood

The auto insurance costs in Westwood fall around $356 for six months.
The cheapest auto insurance company in Westwood is Cincinnati.
Teen drivers pay the highest rate in Westwood at $1143 per month.

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

Cheapest Minimum Liability Car Insurance in Westwood

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 Westwood are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Westwood. Their Average 6 Month Premium is $122. Allstate is the most expensive at $853 for the same period.

Cheapest Liability Coverage in Westwood, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$122	$21
Auto-Owners Insurance Co	$166	$28
Kentucky Farm Bureau	$185	$31
Electric	$200	$34
Nationwide	$234	$39
USAA	$244	$41
Farm Bureau	$253	$43
Travelers	$263	$44
Westfield	$273	$45
State Farm	$283	$48
Progressive	$312	$52
Shelter	$331	$56
Auto-Owners	$366	$61
Allstate	$853	$144

Cheapest Full Coverage Car Insurance in Westwood

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 Westwood is AutoOwners Insurance Co at $61 per month and $356 for six months.

Cheapest Full Coverage Car Insurance Quotes in Westwood, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$61
Cincinnati	$390	$65
Kentucky Farm Bureau	$512	$86
Travelers	$667	$112
Farm Bureau	$687	$116
Shelter	$750	$126
Auto-Owners	$804	$137
Nationwide	$809	$136
USAA	$818	$138
State Farm	$911	$153
Electric	$945	$161
Progressive	$1052	$177
Allstate	$2066	$348
Grange	$974	$162

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Average Car Insurance in Westwood 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 Westwood, KY increasing?

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

Car Insurance Premiums by Age in Westwood

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	$811
30s	Auto-Owners	$615
40s	Auto-Owners	$601
50s	Auto-Owners	$574
60s	USAA	$597
70s	State Farm	$665

Cheapest Car Insurance Rates for Teen Drivers in Westwood,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Westwood at $26 per month. At $6790 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$156	$26
Auto-Owners Insurance Co	$234	$39
Kentucky Farm Bureau	$779	$131
Travelers	$1052	$177
Farm Bureau	$1072	$180
USAA	$1232	$207
Shelter	$1544	$260
State Farm	$1748	$294
Auto-Owners	$2435	$406
Progressive	$3264	$549
Allstate	$6790	$1143

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 Westwood.

As young drivers face the highest rates in Westwood, USAA offers the cheapest auto insurance rates at $811 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 Westwood, Cincinnati is the cheapest car insurance provider. At $209 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 Westwood is Allstate, offering rates of around $4423 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$209	$35
Nationwide	$312	$53
Travelers	$877	$148
Progressive	$1004	$169
USAA	$1612	$269
Farm Bureau	$2099	$357
Auto-Owners	$2328	$388
Shelter	$2387	$406
State Farm	$3171	$528
Allstate	$4423	$752

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

Car Insurance Rates with An Accident in Westwood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Westwood

The cheapest car insurance companies after an at-fault accident in Westwood include AutoOwners Insurance Co and Electric, offering $248 and $248, respectively. Allstate is an expensive provider with an average six-month premium of $3580.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$41
Electric	$248	$43
Cincinnati	$263	$43
Kentucky Farm Bureau	$361	$61
Farm Bureau	$512	$86
Travelers	$628	$106
State Farm	$653	$110
Shelter	$721	$121
USAA	$750	$126
Auto-Owners	$1105	$188
Progressive	$1237	$208
Allstate	$3580	$603

Westwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Westwood KY. For example, the car insurance in Westwood after a DUI increases to $1019 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.

Westwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1198	$203
Two Med/PIP claims	$1247	$207
Not-at-fault accident	$1281	$218
One comp claim	$1301	$216
Failure to wear a seat belt	$1315	$224
Failure to show documents	$1359	$226
Two comp claims	$1359	$231
Driving without lights	$1364	$227
Child safety restraint	$1378	$235
Cell phone violation	$1432	$239
Driving with expired registration	$1437	$244
Texting while driving	$1437	$239
Driving too slowly	$1446	$246
Failure to stop at a red light	$1446	$241
Failure to yield	$1446	$246
Speeding 6 - 10 MPH over limit	$1446	$241
Speeding in school zone	$1446	$246
Following too closely	$1451	$242
Illegal turn	$1451	$247
Speeding 11 - 15 MPH over limit	$1451	$242
Wrong way/wrong lane	$1451	$247
Improper passing	$1456	$243
Speeding 16 - 20 MPH over limit	$1456	$248
Speeding 21 - 25 MPH over limit	$1486	$248
In 65 MPH zone	$1496	$254
Passing school bus	$1519	$253
Open container	$1559	$265
At-fault accident - less than $1000	$1588	$265
Operating a vehicle without permission	$1705	$290
At-fault accident - $1000-$2000	$1724	$287
At-fault accident - greater than $2000	$1724	$294
Reckless driving	$2167	$362
Refusal to submit to a chemical test	$2197	$374
DUI	$2207	$367
Driving with a suspended license	$2212	$376
Racing	$2221	$370
Leaving scene of an accident/hit and run	$2245	$382

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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 Westwood 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 Westwood.

The cheapest car insurance premiums in Westwood are offered by Cincinnati at $326 for a six-month policy. However, it can be as expensive as $1856 with companies like AutoOwners.

Westwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$326	$54
Kentucky Farm Bureau	$434	$74
Travelers	$585	$98
Progressive	$711	$120
Shelter	$716	$121
State Farm	$736	$124
USAA	$828	$139
Allstate	$1579	$266
Farm Bureau	$1602	$267
Auto-Owners	$1856	$316

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 Westwood are offered by Cincinnati at $146. However, it can be as expensive as $2430 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Westwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$25
Kentucky Farm Bureau	$175	$30
Auto-Owners Insurance Co	$200	$34
State Farm	$550	$93
Travelers	$595	$100
Shelter	$638	$107
Farm Bureau	$687	$116
Progressive	$799	$134
Auto-Owners	$818	$139
USAA	$984	$164
Allstate	$2430	$413

Car Insurance Price Trends in Westwood, Kentucky

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

The average cost of full coverage in the Westwood rose by $182 in December compared to $180 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 Westwood rose to $51 in December, compared to $49 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 Westwood?

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

What is the cheapest car insurance in Westwood?

The cheapest car insurance in Westwood is $61 per month for full coverage.

How much is car insurance in Westwood for teenagers?

Car insurance for teenagers costs $156 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 Westwood?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $141 per month to insure your car in Westwood.

Is car insurance expensive in Westwood?

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

Cheapest Car Insurance Quotes in Westwood

Why you can trust Way?

How Much Is Car Insurance in Westwood

Avg. Car Insurance in Westwood

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Westwood

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Westwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Westwood, KY

Way's key takeaways about car insurance in Westwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Westwood

Cheapest Liability Coverage in Westwood, KY

Cheapest Full Coverage Car Insurance in Westwood

Cheapest Full Coverage Car Insurance Quotes in Westwood, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Westwood by Rating Factor

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

Car Insurance Premiums by Age in Westwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Westwood,KY

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

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 Westwood

Cheapest Car Insurance Companies after an At-Fault Accident in Westwood

Westwood Car Insurance Rates by Violation

Westwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Westwood after a DUI

Westwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Westwood after Speeding ticket

Car Insurance Price Trends in Westwood, Kentucky

Average Car Insurance Cost in Westwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Westwood, KY

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

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