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Cheapest car insurance in La Grange, Kentucky (Nov 2024)
Cheapest car insurance in La Grange, Kentucky (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in La Grange, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in La Grange
- Best car insurance companies in La Grange
- Best cheap car insurance quotes in La Grange
- Average cost of car insurance in La Grange
- Car insurance quotes in La Grange by rating factors
- How do different factors impact your car insurance costs in La Grange?
- Cheap car insurance quotes in La Grange after driving violations
- Cheap car insurance quotes in La Grange by age
- Cheap car insurance quotes in La Grange based on insurance history
- Cheap car insurance quotes in La Grange for popular cars
- How to lower car insurance costs in La Grange
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in La Grange
Car insurance in La Grange, Kentucky starts as low as $60 a month for minimum liability coverage and as low as $133 a month for full coverage insurance. That’s a little lower than the
Kentucky
state average—but with car insurance costs on the rise nationwide, it’s more important than ever to find savings.The best way to be sure you’re getting the best price on your car insurance coverage is to compare quotes from several insurers. But getting quotes from each individual company can be time-consuming.
When you shop with Jerry, start by creating your profile. Then, the app will automatically get to work comparing quotes from over 55 insurance providers. In as little as two minutes, you’ll be able to browse a customized list of offers, all organized into easy-to-understand tiers of coverage.
Choose your preferred coverage level, with options ranging from state-required minimum liability to high-liability plans with full coverage, and add-ons like rental reimbursement and roadside assistance.
This table shows real quotes that La Grange drivers recently found through the Jerry app:
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $93 | Lucille, 39 Zip: 40031 | Toyota RAV4 LE | • 30,000/60,000 Liability |
| Safeco | $123 | Cole, 26 Zip: 40031 | RAM 1500 ST | • State Minimum Liability • Comp / Collision |
| Allstate | $146 | Sallie, 22 Zip: 40031 | KIA Forte EX | • State Minimum Liability • Comp / Collision |
Clearcover | $62 | Adam, 43 Zip: 40031 | Hyundai Sonata GLS | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best car insurance companies in La Grange
There is no single best car insurance company in La Grange for everyone. Insurance rates depend on so many different factors that the most affordable provider varies from driver to driver.
Jerry conducted the largest insurance survey in the nation to help drivers better compare the cheapest car insurance companies—and the results are surprising.
While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General received the highest overall ratings.
The table below shows how drivers in La Grange rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.5 | 4.3 | 4.2 | 4.6 |
| State Farm | 4.1 | 3.2 | N/A | 4.2 |
| Allstate | 3.8 | 3.4 | N/A | 4 |
Liberty Mutual | 3.7 | 3.4 | N/A | 3.8 |
| Geico | 3.7 | 3 | 3 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in La Grange
Kentucky car insurance law
mandates drivers to maintain minimum liability insurance along with basic personal injury protection (PIP)
coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.
Cheap minimum liability insurance quotes in La Grange
There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is
liability car insurance
, which is referred to as 25/50/10 coverage, breaks down as follows:- $50,000 of total bodily injury coverage per accident
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.
But because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form
.No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available.
Sally (38 years old)
CoverageState Minimum
La Grange, KY (Zip Code: 40031)
Tesla Model Y$71
per month
Clearcover
Adam (43 years old)
$62
per month
Mollie (39 years old)
$109
per month
Do you need more than minimum coverage in La Grange?
Most drivers in La Grange need higher liability coverage than the 25/50/25 state minimum mandated by Kentucky car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can easily climb above $40,000—well past that $25,000 property damage limit.
It’s important to note that
Kentucky’s car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to protect your car with full coverage.
Cheap full coverage car insurance quotes in La Grange
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. - Collision coverageinsures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.
- Comprehensive coveragecovers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of the cheapest La Grange full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $146 | Harriet, 41 Zip: 40031 | Hyundai Sonata N Line |
• State Minimum Liability • Comp / Collision | Travelers | $283 | Joseph, 29 Zip: 40031 | Infiniti QX50 Pure |
• State Minimum Liability • Comp / Collision | Allstate | $146 | Sallie, 22 Zip: 40031 | KIA Forte EX |
• State Minimum Liability • Comp / Collision | Safeco | $123 | Cole, 26 Zip: 40031 | RAM 1500 ST |
Last Updated Nov 20, 2024The best and quickest way to find the cheapest car insurance for your chosen coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, provides a free app that compares car insurance quotes and offers end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in La Grange
Based on Jerry’s work with drivers in La Grange, we’ve found that the average annual cost minimum liability coverage is $720 each year. That works out to about $60 per month. For full coverage, La Grange drivers typically pay $1,596 per year or $133 per month.
Researching average insurance rates can help you predict your insurance costs. Still, it's important to note that each driver's insurance premium is calculated based on many factors, like the car type, driving record, claims history, and demographics.
Car insurance quotes in La Grange by rating factors
Insurance companies in La Grange use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
How do different factors impact your car insurance costs in La Grange?
How do different factors impact your car insurance costs in La Grange?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Kentucky currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in La Grange:
Cheap car insurance quotes in La Grange after driving violations
Your Kentucky driving record impacts your auto insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Some common violations that may raise your insurance rates include the following:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in La Grange after speeding ticket
In La Grange, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
Last Updated Nov 21, 2024Cheapest car insurance in La Grange after DUI
In La Grange,
a DUI violation
can raise your insurance rates and label you as a high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. That means you should compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many La Grange drivers find affordable auto insurance rates after a DUI.
Cheapest car insurance in La Grange after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. For La Grange drivers, car accidents could result in an average rate increase.
Kentucky is an at-fault state. If you’ve recently caused an accident, your car insurance rates could skyrocket. Jerry has helped many La Grange drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $116 | Susie, 45 Zip: 40031 | GMC Terrain SLT | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Safeco | $111 | Rosie, 42 Zip: 40031 | Ford Explorer XLT | • State Minimum Liability |
At Fault With No Injury | Bristol West | $109 | Leah, 38 Zip: 40031 | Chevrolet Impala LS | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest car insurance in La Grange after other driving violations
If you’ve been hit with speeding, DUI, or
reckless driving in Kentucky
, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in La Grange—turn to a licensed insurance broker!A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.
Last Updated Nov 21, 2024Cheap car insurance quotes in La Grange by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or
senior driver
who falls outside these bounds, here's how to make the most of your age. Cheapest car insurance in La Grange for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in La Grange. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents. But staying on a parent’s policy is the best way to keep rates low.Cheapest car insurance in La Grange for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Adrian (68 years old)
$96
per month
Cheap car insurance quotes in La Grange based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums.Isabel (37 years old)
Currently Insured
CoverageState Minimum
La Grange, KY (Zip Code: 40031)
Tesla Model Y$71
per month
Clearcover
Jack (42 years old)
$62
per month
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Cheap car insurance quotes in La Grange for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance.
The cheapest cars to insure
have low repair costs, great security systems, and excellent safety ratings.Popular car models in La Grange include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 ST | Progressive | $110 | Corey, 25 Zip: 40031 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024How to lower car insurance costs in La Grange
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Each insurance company offers
a set of discounts
, but the precise discount provided varies by company. Some standard deals include the following: - Good driver discounts. Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage car insurance, raising your deductible is an easy way to lower your monthly expenses without sacrificing coverage.
Learn more:
11 Ways to lower car insurance
FAQ
How much is car insurance in La Grange?
People living in La Grange pay on average $60 per month – or $720 per year – on state-minimum liability coverage. Full coverage in La Grange costs on average $133 per month or $1,596 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in La Grange?
Based on thousands of La Grange drivers Jerry has worked with, car insurance in La Grange costs an average of $60 per month for state-minimum coverage and $133 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in La Grange?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Clear Cover, Mapfre, and Metlife receive good ratings from La Grange drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in La Grange, Kentucky?
The state-minimum car insurance in La Grange, Kentucky is $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.