Cheapest Car Insurance Quotes in Windy Hills

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Windy Hills Car Insurance

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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 Windy Hills

The car insurance rate in Windy Hills is $1003 for a six-month policy, which is $87 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 Windy Hills 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 Windy Hills

$1003

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Windy Hills

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 Windy Hills.

Windy Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Windy Hills, 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, Allstate is the most expensive, with rates reaching $2339 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Windy Hills drivers find the best deals.

Cheap Car Insurance Companies in Windy Hills, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$399	$66
Cincinnati	$437	$75
Kentucky Farm Bureau	$574	$97
Travelers	$776	$131
Shelter	$868	$146
USAA	$896	$151
Auto-Owners	$1060	$177
Electric	$1060	$180
State Farm	$1060	$178
Farm Bureau	$1115	$190
Progressive	$1180	$199
Nationwide	$1273	$214
Allstate	$2339	$390

Key Takeaways

Way's key takeaways about car insurance in Windy Hills

The auto insurance costs in Windy Hills fall around $399 for six months.
The cheapest auto insurance company in Windy Hills is Cincinnati.
Teen drivers pay the highest rate in Windy Hills at $1176 per month.

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Cheapest Minimum Liability Car Insurance in Windy Hills

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 Windy Hills are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Windy Hills. Their Average 6 Month Premium is $137. Allstate is the most expensive at $874 for the same period.

Cheapest Liability Coverage in Windy Hills, 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
USAA	$273	$46
Travelers	$290	$49
Westfield	$306	$52
Farm Bureau	$322	$54
State Farm	$333	$56
Progressive	$366	$62
Shelter	$377	$63
Auto-Owners	$437	$73
Nationwide	$519	$87
Allstate	$874	$145

Cheapest Full Coverage Car Insurance in Windy Hills

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 Windy Hills is AutoOwners Insurance Co at $66 per month and $399 for six months.

Cheapest Full Coverage Car Insurance Quotes in Windy Hills, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$399	$66
Cincinnati	$437	$75
Kentucky Farm Bureau	$574	$97
Travelers	$776	$131
Shelter	$868	$146
USAA	$896	$151
Auto-Owners	$1060	$177
Electric	$1060	$180
State Farm	$1060	$178
Farm Bureau	$1115	$190
Progressive	$1180	$199
Nationwide	$1273	$214
Allstate	$2339	$390

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Average Car Insurance in Windy Hills 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 Windy Hills, KY increasing?

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

Car Insurance Premiums by Age in Windy Hills

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	$878
30s	Auto-Owners	$665
40s	Auto-Owners	$650
50s	Auto-Owners	$621
60s	USAA	$646
70s	State Farm	$719

Cheapest Car Insurance Rates for Teen Drivers in Windy Hills,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Windy Hills at $29 per month. At $7055 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	$1268	$213
USAA	$1487	$250
Farm Bureau	$1684	$283
Shelter	$1814	$305
State Farm	$2054	$346
Auto-Owners	$2874	$489
Progressive	$3601	$606
Nationwide	$7033	$1196
Allstate	$7055	$1176

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 Windy Hills.

As young drivers face the highest rates in Windy Hills, USAA offers the cheapest auto insurance rates at $878 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 Windy Hills, 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 Windy Hills is Allstate, offering rates of around $4962 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$235	$40
Travelers	$1065	$179
Progressive	$1098	$185
USAA	$1366	$233
Nationwide	$1727	$291
Shelter	$2924	$497
Auto-Owners	$2989	$499
Farm Bureau	$3410	$580
State Farm	$4525	$754
Allstate	$4962	$844

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Car Insurance Rates with An Accident in Windy Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Windy Hills

The cheapest car insurance companies after an at-fault accident in Windy Hills include AutoOwners Insurance Co and Electric, offering $279 and $279, respectively. Allstate is an expensive provider with an average six-month premium of $3481.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$46
Electric	$279	$48
Cincinnati	$295	$49
Farm Bureau	$372	$63
Kentucky Farm Bureau	$405	$68
Travelers	$743	$125
State Farm	$760	$128
USAA	$814	$137
Shelter	$836	$141
Progressive	$1420	$239
Auto-Owners	$1476	$246
Nationwide	$3044	$518
Allstate	$3481	$581

Windy Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Windy Hills KY. For example, the car insurance in Windy Hills 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.

Windy Hills 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 Windy Hills 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 Windy Hills.

The cheapest car insurance premiums in Windy Hills are offered by Cincinnati at $366 for a six-month policy. However, it can be as expensive as $3962 with companies like Nationwide.

Windy Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$366	$63
Allstate	$476	$79
Kentucky Farm Bureau	$487	$83
Travelers	$705	$119
Progressive	$781	$132
Shelter	$842	$142
State Farm	$885	$149
USAA	$1028	$173
Auto-Owners	$2432	$413
Farm Bureau	$2639	$440
Nationwide	$3962	$673

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 Windy Hills 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 Windy Hills 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	$684	$115
Travelers	$732	$123
Shelter	$765	$129
Progressive	$961	$162
USAA	$1000	$170
Auto-Owners	$1110	$185
Farm Bureau	$1115	$190
Nationwide	$2000	$333
Allstate	$2727	$464

Car Insurance Price Trends in Windy Hills, Kentucky

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

The average cost of full coverage in the Windy Hills rose by $208 in January compared to $204 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 Windy Hills dipped to $56 in January, compared to $57 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 Windy Hills?

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

What is the cheapest car insurance in Windy Hills?

The cheapest car insurance in Windy Hills is $66 per month for full coverage.

How much is car insurance in Windy Hills 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 Windy Hills?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $168 per month to insure your car in Windy Hills.

Is car insurance expensive in Windy Hills?

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

Cheapest Car Insurance Quotes in Windy Hills

Why you can trust Way?

How Much Is Car Insurance in Windy Hills

Avg. Car Insurance in Windy Hills

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Windy Hills

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Windy Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Windy Hills, KY

Way's key takeaways about car insurance in Windy Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Windy Hills

Cheapest Liability Coverage in Windy Hills, KY

Cheapest Full Coverage Car Insurance in Windy Hills

Cheapest Full Coverage Car Insurance Quotes in Windy Hills, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Windy Hills by Rating Factor

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

Car Insurance Premiums by Age in Windy Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Windy Hills,KY

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

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 Windy Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Windy Hills

Windy Hills Car Insurance Rates by Violation

Windy Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Windy Hills after a DUI

Windy Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Windy Hills after Speeding ticket

Car Insurance Price Trends in Windy Hills, Kentucky

Average Car Insurance Cost in Windy Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Windy Hills, KY

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

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