Best Cheap Car Insurance Quotes for Welfare Recipients in Kentucky

Shopping around for cost effective car insurance is confusing at best, and determining which company has the cheapest insurance rates for welfare recipients involves even more perseverance.

Every insurance provider uses a different method for filing rates in each state, so let’s rank the most budget-friendly insurance companies in Kentucky.

Best Insurance Companies in Kentucky

Click Here to Start Your Quote

Cincinnati Insurance offers some of the most affordable car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also qualify as some of the more affordable Kentucky car insurance companies.

In the above example, if you currently have a policy with Kentucky Farm Bureau and switched to Cincinnati Insurance, you could see a yearly price reduction of in the neighborhood of $48. Customers with USAA might save as much as $60 a year, and Auto-Owners policyholders might reduce rates by $242 a year.

To find out how much you can save, click here to start your custom quote or visit any of the companies below.

Be aware that those rates are averaged for all drivers and vehicles in Kentucky and are not factoring in a price discount for welfare recipients. So the auto insurance company that is best for you may not even be shown in the list above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

One of the many considerations that establish the policy price is where you live in Kentucky. Larger areas like Louisville, Saint Matthews, and Ashland tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates generally pay lower auto insurance rates.

The table below illustrates the most expensive areas in Kentucky for welfare recipients to purchase a policy in.

Information shown are comparative as the specific garaging location can impact auto insurance rates greatly.

Which insurance company is best in Kentucky?

Buying coverage from a good quality company is difficult considering how many companies sell coverage in Kentucky. The company ratings below can help you analyze which car insurance companies you want to consider purchasing a policy from.

These ratings include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Kentucky are not included in this list. If you’d like to compare prices and find cheaper insurance for welfare recipients, follow this link.

Impact of violations and accidents on rates in Kentucky

In a perfect world, the best way to enjoy cheap insurance rates in Kentucky for drivers on welfare is to be a cautious driver and avoid accidents and keep your driving record clean. The diagram below demonstrates how traffic citations and at-fault collisions can increase premium costs for each age group. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2617,2853,3511],[‘Age 30’, 1749,1985,2645],[‘Age 40’, 1639,1875,2535],[‘Age 50’, 1431,1669,2329],[‘Age 60’, 1389,1625,2285],[‘Age 70’, 1647,1885,2543]]);var options = {title: ‘Accidents, Violations, and Kentucky Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in Kentucky per year with a clean driving record and no accidents is $1,745. Factor in one speeding ticket and the average cost surges to $1,982, an increase of $237 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for welfare recipients goes up to an average of $2,641. That’s an increase of $896, or $75 per month, just for not being attentive to the road!

Geico, State Farm, Allstate, and Progressive compared

If you’re looking for the best car insurance for drivers on welfare, the first places to look would be Geico, State Farm, Allstate, and Progressive. All four offer physical damage and liability coverage, but each has slightly different coverage options that may affect your buying decision. The table below breaks down some of the different options and features shoppers can find with each company.