Cheapest Car Insurance Quotes in Willisburg

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Willisburg Car Insurance

^$ 23

/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 Willisburg

The car insurance rate in Willisburg is $940 for a six-month policy, which is $82 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $399, making it a popular choice for budget-conscious drivers. Rates in Willisburg 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 Willisburg

$940

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Willisburg

1st place: AutoOwners Insurance Co

At $399 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 $437 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 $574 for six months, making it the third cheapest auto insurance company in Willisburg.

Willisburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Willisburg, KY is AutoOwners Insurance Co, offering policies at just $399 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $437.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1093 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willisburg drivers find the best deals.

Cheap Car Insurance Companies in Willisburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$399	$68
Cincinnati	$437	$73
Kentucky Farm Bureau	$574	$97
Travelers	$749	$126
Farm Bureau	$771	$131
Shelter	$842	$142
Auto-Owners	$902	$154
Nationwide	$907	$153
USAA	$918	$155
State Farm	$1022	$172
Electric	$1060	$180
Progressive	$1180	$199
Allstate	$2317	$390
Grange	$1093	$182

Key Takeaways

Way's key takeaways about car insurance in Willisburg

The auto insurance costs in Willisburg fall around $399 for six months.
The cheapest auto insurance company in Willisburg is Cincinnati.
Teen drivers pay the highest rate in Willisburg at $1282 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 Willisburg

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 Willisburg are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Willisburg. Their Average 6 Month Premium is $137. Allstate is the most expensive at $957 for the same period.

Cheapest Liability Coverage in Willisburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Auto-Owners Insurance Co	$186	$31
Kentucky Farm Bureau	$208	$35
Electric	$224	$38
Nationwide	$262	$44
USAA	$273	$46
Farm Bureau	$284	$48
Travelers	$295	$50
Westfield	$306	$51
State Farm	$317	$53
Progressive	$350	$59
Shelter	$372	$63
Auto-Owners	$410	$68
Allstate	$957	$161

Cheapest Full Coverage Car Insurance in Willisburg

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 Willisburg is AutoOwners Insurance Co at $68 per month and $399 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willisburg, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$399	$68
Cincinnati	$437	$73
Kentucky Farm Bureau	$574	$97
Travelers	$749	$126
Farm Bureau	$771	$131
Shelter	$842	$142
Auto-Owners	$902	$154
Nationwide	$907	$153
USAA	$918	$155
State Farm	$1022	$172
Electric	$1060	$180
Progressive	$1180	$199
Allstate	$2317	$390
Grange	$1093	$182

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Average Car Insurance in Willisburg 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 Willisburg, KY increasing?

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

Car Insurance Premiums by Age in Willisburg

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	$910
30s	Auto-Owners	$690
40s	Auto-Owners	$674
50s	Auto-Owners	$644
60s	USAA	$670
70s	State Farm	$746

Cheapest Car Insurance Rates for Teen Drivers in Willisburg,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Willisburg at $29 per month. At $7618 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$175	$29
Auto-Owners Insurance Co	$262	$44
Kentucky Farm Bureau	$874	$147
Travelers	$1180	$199
Farm Bureau	$1202	$202
USAA	$1383	$233
Shelter	$1732	$292
State Farm	$1961	$330
Auto-Owners	$2732	$455
Progressive	$3662	$616
Allstate	$7618	$1282

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 Willisburg.

As young drivers face the highest rates in Willisburg, USAA offers the cheapest auto insurance rates at $910 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 Willisburg, Cincinnati is the cheapest car insurance provider. At $235 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 Willisburg is Allstate, offering rates of around $4962 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$235	$40
Nationwide	$350	$60
Travelers	$983	$166
Progressive	$1126	$190
USAA	$1809	$302
Farm Bureau	$2355	$400
Auto-Owners	$2612	$435
Shelter	$2678	$455
State Farm	$3558	$592
Allstate	$4962	$844

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Car Insurance Rates with An Accident in Willisburg

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

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

The cheapest car insurance companies after an at-fault accident in Willisburg include AutoOwners Insurance Co and Electric, offering $279 and $279, respectively. Allstate is an expensive provider with an average six-month premium of $4017.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$46
Electric	$279	$48
Cincinnati	$295	$49
Kentucky Farm Bureau	$405	$68
Farm Bureau	$574	$97
Travelers	$705	$119
State Farm	$732	$123
Shelter	$809	$136
USAA	$842	$142
Auto-Owners	$1240	$211
Progressive	$1388	$234
Allstate	$4017	$676

Willisburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Willisburg KY. For example, the car insurance in Willisburg after a DUI increases to $1143 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Willisburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1333	$223
One Med/PIP claim	$1344	$228
Two Med/PIP claims	$1399	$233
Not-at-fault accident	$1437	$245
One comp claim	$1459	$243
Failure to wear a seat belt	$1476	$251
Failure to show documents	$1524	$254
Two comp claims	$1524	$259
Driving without lights	$1530	$255
Child safety restraint	$1547	$263
Cell phone violation	$1606	$268
Driving with expired registration	$1612	$274
Texting while driving	$1612	$269
Driving too slowly	$1623	$276
Failure to stop at a red light	$1623	$270
Failure to yield	$1623	$276
Speeding 6 - 10 MPH over limit	$1623	$270
Speeding in school zone	$1623	$276
Following too closely	$1628	$271
Illegal turn	$1628	$277
Speeding 11 - 15 MPH over limit	$1628	$271
Wrong way/wrong lane	$1628	$277
Improper passing	$1634	$272
Speeding 16 - 20 MPH over limit	$1634	$278
Speeding 21 - 25 MPH over limit	$1667	$278
In 65 MPH zone	$1678	$285
Passing school bus	$1705	$284
Open container	$1749	$297
At-fault accident - less than $1000	$1781	$297
Operating a vehicle without permission	$1913	$326
At-fault accident - $1000-$2000	$1935	$322
At-fault accident - greater than $2000	$1935	$329
Reckless driving	$2432	$406
Refusal to submit to a chemical test	$2465	$420
DUI	$2476	$412
Driving with a suspended license	$2481	$422
Racing	$2492	$415
Leaving scene of an accident/hit and run	$2519	$429

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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 Willisburg 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 Willisburg.

The cheapest car insurance premiums in Willisburg are offered by Cincinnati at $366 for a six-month policy. However, it can be as expensive as $2082 with companies like AutoOwners.

Willisburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$366	$61
Kentucky Farm Bureau	$487	$83
Travelers	$656	$110
Progressive	$798	$134
Shelter	$803	$135
State Farm	$825	$139
USAA	$929	$156
Allstate	$1771	$298
Farm Bureau	$1798	$300
Auto-Owners	$2082	$354

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 Willisburg are offered by Cincinnati at $164. However, it can be as expensive as $2727 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Willisburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$164	$28
Kentucky Farm Bureau	$197	$33
Auto-Owners Insurance Co	$224	$38
State Farm	$617	$104
Travelers	$667	$112
Shelter	$716	$121
Farm Bureau	$771	$131
Progressive	$896	$151
Auto-Owners	$918	$156
USAA	$1104	$184
Allstate	$2727	$464

Car Insurance Price Trends in Willisburg, Kentucky

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

The average cost of full coverage in the Willisburg rose by $204 in December compared to $202 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 Willisburg rose to $57 in December, compared to $55 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 Willisburg?

The car insurance in Willisburg is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Willisburg?

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

How much is car insurance in Willisburg for teenagers?

Car insurance for teenagers costs $175 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 Willisburg?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $158 per month to insure your car in Willisburg.

Is car insurance expensive in Willisburg?

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

Cheapest Car Insurance Quotes in Willisburg

Why you can trust Way?

How Much Is Car Insurance in Willisburg

Avg. Car Insurance in Willisburg

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Willisburg

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Willisburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Willisburg, KY

Way's key takeaways about car insurance in Willisburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Willisburg

Cheapest Liability Coverage in Willisburg, KY

Cheapest Full Coverage Car Insurance in Willisburg

Cheapest Full Coverage Car Insurance Quotes in Willisburg, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Willisburg by Rating Factor

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

Car Insurance Premiums by Age in Willisburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Willisburg,KY

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

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 Willisburg

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

Willisburg Car Insurance Rates by Violation

Willisburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Willisburg after a DUI

Willisburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Willisburg after Speeding ticket

Car Insurance Price Trends in Willisburg, Kentucky

Average Car Insurance Cost in Willisburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Willisburg, KY

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

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