Elsmere Auto Insurance Rates, Quotes, Agents & Reviews in KY

Elsmere, KY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elsmere, KY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Elsmere, KY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Elsmere, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Elsmere, KY with that of other cities in and around Elsmere.

Elsmere Oakbrook Lakeside Park Covington Erlanger Florence
Average Insurance Rates $1,921 $2,003 $2,138 $1,292 $1,943 $1,289

Elsmere, KY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Elsmere, KY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Elsmere $1,979 $1,671
Edgewood $1,456 $1,230
Crestview Hills $1,502 $1,268
Florence $1,226 $1,035
Erlanger $1,659 $1,402
Lakeside Park $1,210 $1,022
Covington $1,064 $899
Oakbrook $1,414 $1,195

Elsmere, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Elsmere, KY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,233
20 Years $2,468
30 Years $1,901
40 Years $1,829
50 Years $1,694
60 Years $1,717
70 Years $1,999

Elsmere, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Elsmere, KY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,304 $538
3 Vehicles $4,956 $807
4 Vehicles $6,608 $1,076

Savings on 2 Vehicles bundle:$538

Savings on 3 Vehicles bundle:$807

Savings on 4 Vehicles bundle:$1,076


Elsmere, KY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elsmere, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Elsmere $1,921 $3,198
Edgewood $2,077 $3,458
Crestview Hills $2,046 $3,407
Florence $1,289 $2,146
Erlanger $1,943 $3,235
Lakeside Park $2,138 $3,560
Covington $1,292 $2,151
Oakbrook $2,003 $3,335

Elsmere, KY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,648
Excellent (740-799) $1,881
Good (670-739) $2,002
Average (580-669) $2,612
Poor (300-579) $3,133

Elsmere, KY Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Randy Watkins Liberty Mutual 500 Meijer Dr. Suite 207 - Florence Executive Center Ii, Florence, 41042 1-859-371-0440
Jennifer Browning Liberty Mutual 500 Meijer Dr. Suite 207 - Florence Executive Center Ii, Florence, 41042 1-859-371-0440
Globe Insurance Agency Of Ky None 520 Watson Rd, Erlanger, 41018 None
Mike Martin State Farm 7724 Us 42 Ste A4, Florence, 41042-1949 859-282-8660
Shipp Insurance Agency Inc. Nationwide 2 Meadow Ln, Florence, 41042-2643 (859) 525-7997
Newman & Tucker Inc Travelers 7592 BURLINGTON PIKE, FLORENCE, 41042 859-371-1900
Andrew Vansickle Liberty Mutual 500 Meijer Dr. Suite 207 - Florence Executive Center Ii, Florence, 41042 1-859-371-0440
Ins Services Of Northern Ky Inc Travelers 400 LICKING PIKE, WILDER, 41071 859-431-2000
Simpkins Foley Insurance Associates Erie 7310 Turfway Road Suite 550, Florence, 41042 None
Bettie L. Cottongim Allstate 256 Main St Ste 3, Florence, 41042 (859) 371-9559

Elsmere, KY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$85 $2,006
Driver's Failure In Showing Documents +$186 $2,107
Driving With An Expired Registration +$198 $2,119
Driving At A Considerably Slow Pace +$417 $2,338
Using A Cellphone While Driving +$440 $2,361
Running A Red Light +$448 $2,369
Speeding +$471 $2,392
Driving A Vehicle Without The Required Permission +$597 $2,518
Driving With An Expired/Suspended License +$1,295 $3,216

Elsmere, KY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,844
Active Disabling Device $1,844
Tracking Device $1,806
Passive Disabling Device $1,787