Cheapest car insurance companies in Ashland
According to a study by Insurance.com, the cheapest car insurance companies in Ashland for 2023 are Auto-Owners and Shelter Insurance.
Auto-Owners offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for Ashland drivers at an annual rate of $1,436 a year, on average.
The cost of car insurance in Ashland varies depending on your ZIP code, driving history, coverage level, and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Ashland.
| Companies | Average annual rates |
|---|---|
| Auto-Owners | $1,436 |
| Shelter Insurance | $1,506 |
| Travelers | $1,509 |
| USAA | $1,583 |
| Kentucky Farm Bureau | $1,669 |
| Progressive | $1,914 |
| Geico | $2,000 |
| State Farm | $2,188 |
| Allstate | $3,339 |
Cheapest car insurance cost in Ashland by Age Group
The cheapest auto insurance company in Ashland for teen drivers is Auto-Owners. For full coverage, its average annual rate for Ashland drivers is $3,886. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Travelers is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Ashland at about $2,302 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Ashland is Auto-Owners. Its average rate for a full coverage car insurance policy is $1,457 per year.
Shelter Insurance tops the list in terms of affordability for senior drivers in Ashland. With an average annual premium of $1,406, Shelter Insurance offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers | N/A | N/A | $3,706 | $3,725 |
| Auto-Owners | $3,886 | $2,371 | $1,457 | $1,506 |
| Shelter Insurance | $4,052 | $2,674 | $1,537 | $1,406 |
| Kentucky Farm Bureau | $4,438 | $2,795 | $1,624 | $1,531 |
| Travelers | $4,635 | $2,302 | $1,527 | $1,508 |
| USAA | $4,888 | $2,364 | $1,598 | $1,632 |
| Geico | $6,055 | $3,368 | $2,027 | $2,188 |
| State Farm | $6,306 | $3,645 | $2,204 | $2,124 |
| Progressive | $8,543 | $3,084 | $1,931 | $1,984 |
| Allstate | $10,997 | $5,011 | $3,313 | $3,419 |
Cheapest car insurance companies in Ashland by driver profile
When determining car insurance rates in Ashland, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Comparison shopping is the key to getting the cheapest car insurance rates in Ashland. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here are some of the cheapest car insurance companies in Ashland based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Ashland drivers at about $1,726 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,726 |
| State Farm | $2,500 |
| Progressive | $2,545 |
| Travelers | $2,598 |
| USAA | $2,700 |
| Nationwide | $2,972 |
| Allstate | $3,956 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Ashland. It offers full coverage car insurance for drivers aged 30 at about $1,341 per year.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,341 |
| USAA | $1,746 |
| Geico | $1,969 |
| Progressive | $2,026 |
| Travelers | $2,054 |
| Nationwide | $2,531 |
| Allstate | $2,658 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Ashland drivers with at-fault accidents. It provides coverage at an average annual cost of $1,438.
| Company | Average annual rates |
|---|---|
| State Farm | $1,438 |
| Travelers | $2,088 |
| USAA | $2,332 |
| Geico | $2,521 |
| Progressive | $2,652 |
| Nationwide | $2,779 |
| Allstate | $3,871 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Ashland for drivers with a DUI, with an average annual premium of $1,341.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,341 |
| USAA | $2,366 |
| Progressive | $2,494 |
| Travelers | $2,598 |
| Allstate | $3,493 |
| Nationwide | $3,680 |
| Geico | $4,556 |
Average car insurance cost in Ashland
The average car insurance rate in Ashland for full coverage is $1,905 per year or $159 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Ashland is $542 per year.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,905 | $542 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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