Cheapest Car Insurance Quotes in Wickliffe

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Wickliffe 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 Wickliffe

The car insurance rate in Wickliffe is $1057 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $421, making it a popular choice for budget-conscious drivers. Rates in Wickliffe 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 Wickliffe

$1057

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Wickliffe

1st place: AutoOwners Insurance Co

At $421 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 $461 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 $605 for six months, making it the third cheapest auto insurance company in Wickliffe.

Wickliffe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wickliffe, KY is AutoOwners Insurance Co, offering policies at just $421 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $461.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2466 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wickliffe drivers find the best deals.

Cheap Car Insurance Companies in Wickliffe, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$70
Cincinnati	$461	$79
Kentucky Farm Bureau	$605	$102
Travelers	$818	$138
Shelter	$916	$154
USAA	$945	$159
Auto-Owners	$1117	$186
Electric	$1117	$190
State Farm	$1117	$188
Farm Bureau	$1176	$200
Progressive	$1245	$210
Nationwide	$1342	$226
Allstate	$2466	$411

Key Takeaways

Way's key takeaways about car insurance in Wickliffe

The auto insurance costs in Wickliffe fall around $421 for six months.
The cheapest auto insurance company in Wickliffe is Cincinnati.
Teen drivers pay the highest rate in Wickliffe at $1240 per month.

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Cheapest Minimum Liability Car Insurance in Wickliffe

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 Wickliffe are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Wickliffe. Their Average 6 Month Premium is $145. Allstate is the most expensive at $922 for the same period.

Cheapest Liability Coverage in Wickliffe, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$145	$24
Auto-Owners Insurance Co	$196	$33
Kentucky Farm Bureau	$219	$37
Electric	$237	$40
USAA	$288	$49
Travelers	$306	$51
Westfield	$323	$55
Farm Bureau	$340	$57
State Farm	$351	$59
Progressive	$386	$65
Shelter	$398	$67
Auto-Owners	$461	$77
Nationwide	$547	$92
Allstate	$922	$153

Cheapest Full Coverage Car Insurance in Wickliffe

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 Wickliffe is AutoOwners Insurance Co at $70 per month and $421 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wickliffe, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$70
Cincinnati	$461	$79
Kentucky Farm Bureau	$605	$102
Travelers	$818	$138
Shelter	$916	$154
USAA	$945	$159
Auto-Owners	$1117	$186
Electric	$1117	$190
State Farm	$1117	$188
Farm Bureau	$1176	$200
Progressive	$1245	$210
Nationwide	$1342	$226
Allstate	$2466	$411

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Average Car Insurance in Wickliffe 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 Wickliffe, KY increasing?

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

Car Insurance Premiums by Age in Wickliffe

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	$925
30s	Auto-Owners	$701
40s	Auto-Owners	$686
50s	Auto-Owners	$655
60s	USAA	$681
70s	State Farm	$759

Cheapest Car Insurance Rates for Teen Drivers in Wickliffe,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Wickliffe at $31 per month. At $7439 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$184	$31
Auto-Owners Insurance Co	$276	$47
Kentucky Farm Bureau	$922	$155
Travelers	$1337	$225
USAA	$1568	$264
Farm Bureau	$1775	$299
Shelter	$1913	$322
State Farm	$2166	$365
Auto-Owners	$3030	$515
Progressive	$3797	$639
Nationwide	$7416	$1261
Allstate	$7439	$1240

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 Wickliffe.

As young drivers face the highest rates in Wickliffe, USAA offers the cheapest auto insurance rates at $925 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 Wickliffe, Cincinnati is the cheapest car insurance provider. At $247 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 Wickliffe is Allstate, offering rates of around $5232 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$247	$42
Travelers	$1123	$189
Progressive	$1158	$195
USAA	$1440	$245
Nationwide	$1821	$307
Shelter	$3083	$524
Auto-Owners	$3152	$526
Farm Bureau	$3596	$611
State Farm	$4770	$795
Allstate	$5232	$889

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Car Insurance Rates with An Accident in Wickliffe

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

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

The cheapest car insurance companies after an at-fault accident in Wickliffe include AutoOwners Insurance Co and Electric, offering $294 and $294, respectively. Allstate is an expensive provider with an average six-month premium of $3670.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$49
Electric	$294	$50
Cincinnati	$311	$51
Farm Bureau	$392	$67
Kentucky Farm Bureau	$427	$72
Travelers	$784	$132
State Farm	$801	$135
USAA	$858	$145
Shelter	$882	$148
Progressive	$1498	$252
Auto-Owners	$1556	$259
Nationwide	$3210	$546
Allstate	$3670	$612

Wickliffe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wickliffe KY. For example, the car insurance in Wickliffe after a DUI increases to $1204 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Wickliffe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1406	$235
One Med/PIP claim	$1417	$241
Two Med/PIP claims	$1475	$245
Not-at-fault accident	$1515	$258
One comp claim	$1538	$256
Failure to wear a seat belt	$1556	$265
Failure to show documents	$1607	$268
Two comp claims	$1607	$274
Driving without lights	$1613	$269
Child safety restraint	$1631	$277
Cell phone violation	$1694	$282
Driving with expired registration	$1699	$289
Texting while driving	$1699	$283
Driving too slowly	$1711	$291
Failure to stop at a red light	$1711	$285
Failure to yield	$1711	$291
Speeding 6 - 10 MPH over limit	$1711	$285
Speeding in school zone	$1711	$291
Following too closely	$1717	$286
Illegal turn	$1717	$292
Speeding 11 - 15 MPH over limit	$1717	$286
Wrong way/wrong lane	$1717	$292
Improper passing	$1723	$287
Speeding 16 - 20 MPH over limit	$1723	$293
Speeding 21 - 25 MPH over limit	$1758	$293
In 65 MPH zone	$1769	$301
Passing school bus	$1797	$300
Open container	$1844	$313
At-fault accident - less than $1000	$1878	$313
Operating a vehicle without permission	$2017	$343
At-fault accident - $1000-$2000	$2040	$340
At-fault accident - greater than $2000	$2040	$347
Reckless driving	$2564	$428
Refusal to submit to a chemical test	$2599	$442
DUI	$2610	$435
Driving with a suspended license	$2616	$445
Racing	$2628	$437
Leaving scene of an accident/hit and run	$2656	$452

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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 Wickliffe 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 Wickliffe.

The cheapest car insurance premiums in Wickliffe are offered by Cincinnati at $386 for a six-month policy. However, it can be as expensive as $4178 with companies like Nationwide.

Wickliffe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$386	$66
Allstate	$501	$83
Kentucky Farm Bureau	$513	$87
Travelers	$743	$125
Progressive	$824	$139
Shelter	$888	$149
State Farm	$933	$157
USAA	$1083	$182
Auto-Owners	$2564	$436
Farm Bureau	$2783	$464
Nationwide	$4178	$710

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 Wickliffe are offered by Cincinnati at $173. However, it can be as expensive as $2875 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wickliffe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Kentucky Farm Bureau	$208	$35
Auto-Owners Insurance Co	$237	$40
State Farm	$721	$121
Travelers	$772	$130
Shelter	$807	$136
Progressive	$1014	$171
USAA	$1054	$179
Auto-Owners	$1170	$195
Farm Bureau	$1176	$200
Nationwide	$2109	$351
Allstate	$2875	$489

Car Insurance Price Trends in Wickliffe, Kentucky

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

The average cost of full coverage in the Wickliffe rose by $219 in January compared to $215 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 Wickliffe dipped to $59 in January, compared to $60 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 Wickliffe?

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

What is the cheapest car insurance in Wickliffe?

The cheapest car insurance in Wickliffe is $70 per month for full coverage.

How much is car insurance in Wickliffe for teenagers?

Car insurance for teenagers costs $184 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 Wickliffe?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $178 per month to insure your car in Wickliffe.

Is car insurance expensive in Wickliffe?

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

Cheapest Car Insurance Quotes in Wickliffe

Why you can trust Way?

How Much Is Car Insurance in Wickliffe

Avg. Car Insurance in Wickliffe

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Wickliffe

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Wickliffe Car Insurance Rates by Company

Cheap Car Insurance Companies in Wickliffe, KY

Way's key takeaways about car insurance in Wickliffe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wickliffe

Cheapest Liability Coverage in Wickliffe, KY

Cheapest Full Coverage Car Insurance in Wickliffe

Cheapest Full Coverage Car Insurance Quotes in Wickliffe, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wickliffe by Rating Factor

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

Car Insurance Premiums by Age in Wickliffe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wickliffe,KY

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

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 Wickliffe

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

Wickliffe Car Insurance Rates by Violation

Wickliffe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wickliffe after a DUI

Wickliffe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wickliffe after Speeding ticket

Car Insurance Price Trends in Wickliffe, Kentucky

Average Car Insurance Cost in Wickliffe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wickliffe, KY

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

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