Kentucky Auto Insurance Rates, Quotes, Agents & Reviews in WV

Kentucky, WV Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Kentucky, WV, 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 Kentucky, WV 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.

Kentucky, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Kentucky Craigsville Richwood Fenwick Nettie Nicholas County
Average Insurance Rates $1,398 $1,367 $1,335 $1,345 $1,345 $1,396

Kentucky, WV 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 Kentucky, WV 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)
Kentucky $1,311 $1,108
Nettie $1,088 $919
Fenwick $1,437 $1,214
Nicholas County $2,731 $2,306
Wilderness $2,794 $2,360
Craigsville $1,913 $1,616
Richwood $1,875 $1,583
Beaver $1,416 $1,196

Kentucky, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Kentucky, WV 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 $4,536
20 Years $1,796
30 Years $1,384
40 Years $1,331
50 Years $1,233
60 Years $1,250
70 Years $1,455

Kentucky, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Kentucky, WV 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 $2,460 $336
3 Vehicles $3,691 $503
4 Vehicles $4,921 $671

Savings on 2 Vehicles bundle:$336

Savings on 3 Vehicles bundle:$503

Savings on 4 Vehicles bundle:$671

Kentucky, WV 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 Kentucky, WV.

Location Average Insurance Cost Post DUI Insurance Rate
Kentucky $1,398 $2,236
Nettie $1,345 $2,151
Fenwick $1,345 $2,151
Nicholas County $1,396 $2,232
Wilderness $1,435 $2,295
Craigsville $1,367 $2,186
Richwood $1,335 $2,135
Beaver $1,353 $2,164

Kentucky, WV 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) $1,199
Excellent (740-799) $1,369
Good (670-739) $1,457
Average (580-669) $1,901
Poor (300-579) $2,280

Kentucky, WV 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
Jerry Givens State Farm 1 Carter Ln, Summersville, 26651-1459 304-872-0383
Shafer Insurance Associates Llc Erie 508 D Main Street, Summersville, 26651 None
Victory A Hughart Nationwide 705 Main St, Summersville, 26651-1431 (304) 872-1548
Greenbrier Valley Insurance Agency Erie 112 J D Park Road Suite 5, Lewisburg, 24901 None
Jason Thomas State Farm 20 Lilac St, Craigsville, 26205 304-742-5857
Agency Of Choice None 111 Quarry Village Rd, Lewisburg, 24901 None
Matt Bischof GEICO 3806 MacCorkle Avenue Southeast, Charleston, 25304 (304) 344-0555
J L Massie Ins Agy Allstate 217 Temple St, Hinton, 25951 (304) 466-1281

Kentucky, WV 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 +$62 $1,460
Driver's Failure In Showing Documents +$136 $1,534
Driving With An Expired Registration +$144 $1,542
Driving At A Considerably Slow Pace +$303 $1,701
Using A Cellphone While Driving +$320 $1,718
Running A Red Light +$326 $1,724
Speeding +$343 $1,741
Driving A Vehicle Without The Required Permission +$435 $1,833
Driving With An Expired/Suspended License +$942 $2,340

Kentucky, WV 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 $1,342
Active Disabling Device $1,342
Tracking Device $1,314
Passive Disabling Device $1,300