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

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

Zimlon, through its research, found that car owners in Erlanger, 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 Erlanger, 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.

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

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

Erlanger Lakeside Park Villa Hills Covington Fort Mitchell Crescent Springs
Average Insurance Rates $1,943 $2,138 $2,072 $1,292 $2,144 $2,089

Erlanger, 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 Erlanger, 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)
Erlanger $1,659 $1,402
Crescent Springs $1,376 $1,162
Villa Hills $1,470 $1,241
Lakeside Park $1,210 $1,022
Crestview Hills $1,502 $1,268
Fort Mitchell $1,398 $1,181
Covington $1,064 $899
Edgewood $1,456 $1,230

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

Teenagers in Erlanger, 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 $6,305
20 Years $2,497
30 Years $1,923
40 Years $1,850
50 Years $1,713
60 Years $1,737
70 Years $2,022

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

Car owners in Erlanger, 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 $3,381 $505
3 Vehicles $5,071 $758
4 Vehicles $6,762 $1,010

Savings on 2 Vehicles bundle:$505

Savings on 3 Vehicles bundle:$758

Savings on 4 Vehicles bundle:$1,010

Erlanger, 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 Erlanger, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Erlanger $1,943 $3,235
Crescent Springs $2,089 $3,478
Villa Hills $2,072 $3,450
Lakeside Park $2,138 $3,560
Crestview Hills $2,046 $3,407
Fort Mitchell $2,144 $3,570
Covington $1,292 $2,151
Edgewood $2,077 $3,458

Erlanger, 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) $1,667
Excellent (740-799) $1,903
Good (670-739) $2,025
Average (580-669) $2,641
Poor (300-579) $3,169

Erlanger, 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
Dambrosio & Elders Agency Llc Travelers 8121 US 42, FLORENCE, 41042 859-282-7611
Michel Insurance Agency None 7420 Us 42, Florence, 41042 None
Jenni Ballard Allstate 619 Buttermilk Pike, Crescent Springs, 41017 (859) 341-3790
Larry Snowden State Farm 3126 Dixie Hwy Ste 1, Erlanger, 41018-1866 859-341-8700
Intelli Choice Insurance Llc Travelers 400 YORK ST, NEWPORT, 41071 859-657-6114
Burkhart Insurance Agency Travelers 803 Scott St, Covington, 41011 None
Aaa Allied Insurance Services Inc Travelers 7847 TANNERS LANE, FLORENCE, 41042 513-345-5600
Marshall - Zahler Ins Group Ll Liberty Mutual Independent 2216 DIXIE HWY SUITE 200-A, FT MITCHELL, 41017 (859) 331-8588
Adkisson Insurance Agency Inc Liberty Mutual Independent 1885 Dixie Hwy Ste 320, FT WRIGHT, 41011 (859) 341-2663

Erlanger, 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 $2,028
Driver's Failure In Showing Documents +$188 $2,131
Driving With An Expired Registration +$200 $2,143
Driving At A Considerably Slow Pace +$422 $2,365
Using A Cellphone While Driving +$445 $2,388
Running A Red Light +$453 $2,396
Speeding +$476 $2,419
Driving A Vehicle Without The Required Permission +$604 $2,547
Driving With An Expired/Suspended License +$1,310 $3,253

Erlanger, 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 $1,865
Active Disabling Device $1,865
Tracking Device $1,826
Passive Disabling Device $1,807