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The Cheapest Car Insurance for Erlanger Drivers
The Cheapest Car Insurance for Erlanger Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance in Erlanger
- Best Car Insurance Companies in Erlanger
- Best cheap car insurance quotes in Erlanger
- Average cost of car insurance in Erlanger
- Car insurance quotes in Erlanger by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Erlanger?
- Cheap car insurance quotes in Erlanger after driving violations
- Cheap car insurance quotes in Erlanger by age
- Cheap car insurance quotes in Erlanger based on insurance history
- Cheap car insurance quotes in Erlanger for popular cars
- How to lower car insurance costs in Erlanger
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Erlanger
On average, car insurance in Erlanger costs $138 per month for minimum liability coverage, or about $218 per month for full-coverage insurance. Erlanger drivers pay 10% less the
Arkansas
state average. It’s hard to find
cheap car insurance in Kentucky
, let alone in Erlanger! There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).Just ask
Jerry
to find it! Jerry captures your policy details with just a few questions and fetches quotes with the lowest rates in less than a minute. Finding cheap car insurance
has never been easier—no phone calls or research required!| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $153 | Esther, 62 Zip: 41018 | KIA Soul GT Line | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $103 | Aaron, 44 Zip: 41018 | Chevrolet Equinox LT | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $345 | Mabelle, 47 Zip: 41018 | Honda Accord EXL | • 50,000/100,000 Liability • Comp / Collision |
Kemper | $126 | Mason, 42 Zip: 41018 | GMC Envoy | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025Best Car Insurance Companies in Erlanger
There is no single best car insurance company in Erlanger 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 Erlanger 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 |
Best cheap car insurance quotes in Erlanger
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 Erlanger
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.
Mason (24 years old)
$116
per month
Safeco
Myrtie (25 years old)
$70
per month
Mable (27 years old)
$122
per month
Trexis
Hannah (26 years old)
$130
per month
Do you need more than minimum coverage in Erlanger?
Most drivers in Erlanger 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 Erlanger
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 Erlanger full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $153 | Esther, 62 Zip: 41018 | KIA Soul GT Line |
• State Minimum Liability • Comp / Collision | AAA | $426 | Jose, 22 Zip: 41018 | Mazda 3 Sport |
• 50,000/100,000 Liability • Comp / Collision | Kemper | $126 | Mason, 42 Zip: 41018 | GMC Envoy |
• State Minimum Liability • Comp / Collision | Trexis | $228 | Jose, 21 Zip: 41018 | Ford Fiesta SE |
Last Updated Jan 24, 2025The 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.Average cost of car insurance in Erlanger
Based on Jerry’s work with drivers in Erlanger, we’ve found that the average annual cost minimum liability coverage is $1,656 each year. That works out to about $138 per month. For full coverage, Erlanger drivers typically pay $2,614 per year or $218 per month.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $103 | $1,233 |
Full coverage | $219 | $2,625 |
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.
What’s the lowest you can go? Insurance premiums for minimum liability coverage in Erlanger start at $138 per month, while full coverage policies start at about $218. If you’d like your rates to look more like these, make sure to compare plenty of car insurance quotes to find the right price.
Average cost of car insurance in Erlanger by zip code
Car insurance rates within the same city vary depending on where you live. Premiums tend to be more expensive in neighborhoods with a high rate of auto theft, car accidents, and high-risk factors.
[AverageInsuranceTable]: insurance data empty
"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.
Car insurance quotes in Erlanger by rating factors
Insurance companies in Erlanger 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 Erlanger?
How Do Different Factors Impact Your Car Insurance Costs in Erlanger?
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 Erlanger:
Cheap car insurance quotes in Erlanger 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 Erlanger after speeding ticket
In Erlanger, 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.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $76 | Johnny, 37 Zip: 41025 | Tesla Model Y | • 100,000/300,000 Liability • Comp / Collision |
Speeding 6-10 | Travelers | $72 | Terry, 40 Zip: 41025 | Cadillac Escalade | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 26, 2025Cheapest car insurance in Erlanger after DUI
In Erlanger,
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 Erlanger drivers find affordable auto insurance rates after a DUI.
Dean (37 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Erlanger, KY (Zip Code: 41025)
$69
per month
Cheapest car insurance in Erlanger after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. For Erlanger 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 Erlanger drivers save on car insurance after accidents.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $152 | Sophia, 32 Zip: 41018 | Honda Accord Sport | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $101 | Christopher, 44 Zip: 41018 | Chevrolet Equinox LT | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | National General | $234 | Sallie, 26 Zip: 41018 | Honda Accord LX | • State Minimum Liability |
At Fault With No Injury | Travelers | $240 | Madge, 27 Zip: 41018 | RAM 1500 SLT | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance in Erlanger 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 Erlanger—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.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $149 | Jackson, 51 Zip: 41018 | Hyundai Santa FE GLS | • State Minimum Liability |
Failure to Obey Signal | Progressive | $149 | Susie, 51 Zip: 41018 | Hyundai Santa FE GLS | • State Minimum Liability |
Last Updated Jan 25, 2025Cheap car insurance quotes in Erlanger 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 Erlanger for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Erlanger. 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.Mason (24 years old)
$116
per month
Clearcover
Troy (23 years old)
$147
per month
Cheapest car insurance in Erlanger 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.
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Absolutely perfect! Great pricing and great workers.
Haven
Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
Andrew
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
They will take care of you
Ibrahim
Cheap car insurance quotes in Erlanger 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.Minnie (62 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Erlanger, KY (Zip Code: 41018)
$153
per month
Safeco
Nell (25 years old)
$70
per month
James (44 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Erlanger, KY (Zip Code: 41018)
$101
per month
Todd (44 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Erlanger, KY (Zip Code: 41018)
$103
per month
National General
Rosetta (26 years old)
$234
per month
Cheap car insurance quotes in Erlanger for drivers with poor credit
Unfortunately, having low credit can stop you from finding the best rates.
Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face.
While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums.
On average, Kentucky drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, the degree to which your credit score affects premiums varies between auto insurance companies.
Cheap car insurance quotes in Erlanger 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 Erlanger include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| KIA Soul GT Line | Progressive | $153 | Minnie, 62 Zip: 41018 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance in Erlanger for new vs. old car
New cars are typically more expensive to insure than older ones. We have found that the average insurance cost for a car older than 10 years is $132 per month in Erlanger.
Alternatively, the average cost of insuring a car that’s less than four years old increases to $218 per month in Erlanger.
Mason (24 years old)
$116
per month
Safeco
Myrtie (25 years old)
$70
per month
State Auto
Ian (42 years old)
2004 GMC Envoy
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Erlanger, KY (Zip Code: 41018)
$168
per month
Bristol West
Ray (26 years old)
$230
per month
Clearcover
Mabelle (47 years old)
2018 Honda Accord EXL
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Erlanger, KY (Zip Code: 41018)
$345
per month
How to lower car insurance costs in Erlanger
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 Erlanger?
People living in Erlanger pay on average $138 per month – or $1,656 per year – on state-minimum liability coverage. Full coverage in Erlanger costs on average $218 per month of $2,614 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 Erlanger?
Based on thousands of Erlanger drivers Jerry has worked with, car insurance in Erlanger costs an average of $138 per month for state-minimum coverage and $218 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 Erlanger?
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 Erlanger 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 Erlanger, Kentucky?
The state-minimum car insurance in Erlanger, 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
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like 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.