Best Cheap Auto Insurance for 17 Year Olds in Kentucky

Locating cheap insurance is not easy, and deciding which companies have the most affordable auto insurance rates for 17 year olds takes even more rate comparisons. Prices will most likely be much more expensive than the average policy in Kentucky due to the higher likelihood of claims related to offering insurance for teen drivers, but competitive coverage should be possible if you look hard enough. Every auto insurer has their own guidelines to set policy rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Kentucky.

It’s important that readers know that Kentucky auto insurance rates are impacted by many factors which can substantially change the price of coverage. This price fluctuation is why it is critical to perform a complete rate comparison when trying to get the most affordable car insurance quotes for 17 year olds. Prices are made up of many things and can change without notice, so the best option the last time you checked may now cost much more than other companies.

Cheapest Insurance Rates for Teens

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Cincinnati Insurance offers some of the lowest car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the most economical Kentucky insurance companies.

In this example, if you currently have coverage with Auto-Owners and switched to Kentucky Farm Bureau, you may realize savings of roughly $250. Insureds with Motorists Mutual could save as much as $390 a year, and Grange Mutual customers might cut rates by $446 a year.

To find out how much you can save, click here to get quotes or visit any of the companies below.

These premiums are averages for all types of drivers and the different vehicles they drive and and are not figured with a price surcharge for 17 year olds. So the company that has the lowest price for you may not even be in the rate chart shown above. That’s why you need to compare as many prices as possible using your own personal information and vehicle type.

The safety and performance level of the vehicle driven is probably the biggest factor when comparison shopping for the best cheap car insurance for 17 year olds in Kentucky. Vehicles with limited top-end speed, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than high performance models. The tables below features insurance costs for a selection of the cheapest automobiles to buy coverage for.

Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes noticeably.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in vehicle location which can increase or decrease auto insurance rates noticeably.

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific Kentucky garaging location which can modify rates significantly.

For teen drivers, one of the largest factors that auto insurance companies use to calculate the cost of insurance is your zip code in Kentucky. Areas with increased crime or more people like Louisville, Ashland, and Saint Matthews tend to pay slightly more, whereas more rural areas generally pay lower auto insurance rates.

The table below rates the more expensive cities in Kentucky for 17 year olds to buy an auto insurance policy in.

Premium costs are approximated as the specific geographic location can increase or decrease auto insurance rates noticeably.

The information below highlights how deductible choice can influence insurance rates when searching for cheap insurance for 17 year olds. Data assumes a married female driver, comp and collision included, and no discounts are applied.

As shown above, a 30-year-old driver could lower their car insurance rates by $310 a year by switching from a $100 deductible to a $500 deductible, or save $468 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, can save as much as $662 or even more by choosing a higher deductible. When raising deductibles, it is a good idea to have enough spare savings to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Does Allstate, State Farm, Progressive, or Geico have the cheapest car insurance?

If you’re looking for the best car insurance for teen drivers, the first places to look would be Allstate, State Farm, Progressive, and Geico. Between them, they make up nearly half of the entire U.S. car insurance market. They all offer your standard coverages, but each one has a slightly different mix of options and features that buyers can select from. The next table compares pricing and service ratings, plus some optional coverages you can expect with each one.