Cheapest car insurance companies in Ashland 

After an in-depth analysis, Insurance.com found that Auto-Owners and Shelter Insurance are the cheapest car insurance companies in Ashland for 2023. 

In Ashland, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $1,436 annually

The cost of car insurance in Ashland varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Ashland.

CompaniesAverage annual rates
Auto-Owners$1,436
Shelter Insurance$1,506
Travelers$1,509
USAA$1,583
Kentucky Farm Bureau$1,669
Progressive$1,914
Geico$2,000
State Farm$2,188
Allstate$3,339

Cheapest car insurance cost in Ashland by Age Group 

Auto-Owners stands out as Ashland's cheapest auto insurance company for teen drivers at an average annual of $3,886. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

Travelers is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Ashland at about $2,302 per year

An analysis of car insurance rates for Ashland drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Auto-Owners offers the cheapest full-coverage car insurance rates at $1,457 per year.

If you are a senior driver in Ashland and looking for a cheap car insurance company, then consider buying insurance from Shelter Insurance. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,406 per year

CompanyTeensYoung AdultsAdultsSeniors
FarmersN/AN/A$3,706$3,725
Auto-Owners$3,886$2,371$1,457$1,506
Shelter Insurance$4,052$2,674$1,537$1,406
Kentucky Farm Bureau$4,438$2,795$1,624$1,531
Travelers$4,635$2,302$1,527$1,508
USAA$4,888$2,364$1,598$1,632
Geico$6,055$3,368$2,027$2,188
State Farm$6,306$3,645$2,204$2,124
Progressive$8,543$3,084$1,931$1,984
Allstate$10,997$5,011$3,313$3,419

Cheapest car insurance companies in Ashland by driver profile 

Insurers in Ashland consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Finding the cheapest car insurance in Ashland requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Here's a list of car insurance companies that offer cheap insurance rates in Ashland based on driver profile. 

Drivers in Ashland with poor credit can get the cheapest car insurance from Geico at an average cost of $1,726 a year, according to a data study by Insurance.com.

Drivers with poor or bad credit scores in Ashland can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Geico$1,726
State Farm$2,500
Progressive$2,545
Travelers$2,598
USAA$2,700
Nationwide$2,972
Allstate$3,956

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Ashland. It provides full coverage car insurance for drivers aged 30 at about $1,341 per year

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
State Farm$1,341
USAA$1,746
Geico$1,969
Progressive$2,026
Travelers$2,054
Nationwide$2,531
Allstate$2,658

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Ashland drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,438. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,438
Travelers$2,088
USAA$2,332
Geico$2,521
Progressive$2,652
Nationwide$2,779
Allstate$3,871

State Farm is the carrier that offers cheap auto insurance rates in Ashland for drivers after a DUI. Its average annual rate for full coverage is $1,341

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,341
USAA$2,366
Progressive$2,494
Travelers$2,598
Allstate$3,493
Nationwide$3,680
Geico$4,556

Average car insurance cost in Ashland 

The average car insurance rate in Ashland for full coverage is $1,905 per year or $159 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Ashland is $542 per year. 

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$1,905$542

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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