One of the many factors that are used to help calculate the cost of insurance is where you keep your car. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with less crime or weather claims can boast about having cheaper rates.
The illustration below shows the most expensive areas in Kentucky for postal workers in which to buy car insurance. Lexington comes in at #15 with an annual premium of $1,514 for the average insurance policy, which is about $126 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Louisville | $2,090 |
| 2 | Frankfort | $1,778 |
| 3 | Jeffersontown | $1,719 |
| 4 | Saint Matthews | $1,711 |
| 5 | Ashland | $1,656 |
| 6 | Radcliff | $1,654 |
| 7 | Paducah | $1,599 |
| 8 | Elizabethtown | $1,563 |
| 9 | Madisonville | $1,552 |
| 10 | Danville | $1,549 |
| 11 | Murray | $1,549 |
| 12 | Henderson | $1,541 |
| 13 | Hopkinsville | $1,538 |
| 14 | Winchester | $1,517 |
| 15 | Lexington | $1,514 |
| 16 | Georgetown | $1,491 |
| 17 | Richmond | $1,490 |
| 18 | Covington | $1,487 |
| 19 | Bowling Green | $1,476 |
| 20 | Nicholasville | $1,459 |
| Find the Best Rates Go | ||
Premium amounts are comparative as specific location information can alter insurance rates greatly.
Establishing which company has the cheapest auto insurance rates for postal workers will require more work in order to find a policy that fits your budget.
Each insurance company has a unique approach for determining prices, so let’s rank the auto insurance companies with the overall cheapest rates in Kentucky. It’s important that you understand Kentucky auto insurance rates are impacted by many things that control your annual premium. Improving your credit score, increasing liability limits, or getting a DUI may generate price changes that may make certain companies more affordable than before.
Cheapest Insurance Rates for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Cincinnati Insurance | $1,082 |
| 2 | Kentucky Farm Bureau | $1,128 |
| 3 | USAA | $1,223 |
| 4 | Auto-Owners | $1,399 |
| 5 | Grange Mutual | $1,577 |
| 6 | Motorists Mutual | $1,601 |
| 7 | Travelers | $1,631 |
| 8 | State Farm | $1,812 |
| 9 | Westfield | $1,870 |
| 10 | Safe Auto | $1,972 |
| 11 | Nationwide | $2,024 |
| 12 | Progressive | $2,056 |
| 13 | Electric | $2,160 |
| 14 | State Auto | $2,188 |
| 15 | Encompass | $2,358 |
| 16 | GEICO | $2,437 |
| 17 | Safeco | $2,709 |
| 18 | Shelter | $3,135 |
| 19 | MetLife | $3,177 |
| 20 | Liberty Mutual | $3,744 |
| Find Your Rate Go | ||
Cincinnati Insurance may offer some of the best car insurance rates in Lexington at around $1,082 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also make the cut as some of the more affordable Lexington, KY insurance companies.
As the rates illustrate above, if you currently have coverage with Auto-Owners and switched to Cincinnati Insurance, you may see a yearly savings of approximately $317. Drivers with Grange Mutual might save as much as $495 a year, and Motorists Mutual insureds might lower prices by up to $519 a year.
Be aware that those premiums are averaged across all drivers and vehicles in Kentucky and and are not calculated with an exact zip code location for postal workers. So the auto insurance company that is best suited for you may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own specific driver information and vehicle.
The example below shows how choosing a deductible can change insurance costs when searching for cheap insurance for postal workers. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
A 40-year-old driver could lower rates by $310 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $468 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices as much as $788 annually just by choosing larger deductibles. If you do raise deductibles, it is important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Insuring your vehicle with a good quality car insurance company can be a challenge considering how many companies provide coverage in Kentucky. The ranking information displayed below could help you analyze which auto insurers to look at comparing prices from. The rankings below are for companies who write in the majority of U.S. states, so companies without a large exposure will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How violations and accidents impact rates
In a perfect world, the best way to find cheap auto insurance rates in Kentucky for postal employees is to be a careful driver and not receive tickets or have accidents. The illustration below demonstrates how speeding tickets and at-fault claims influence insurance prices for different age groups of insureds. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of auto insurance in Kentucky per year with a clean driving record and no accidents is $1,633. Factor in one speeding ticket and the average cost increases to $1,849, an increase of $216 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for postal workers increases to an average of $3,722. That’s an increase of $2,089, or $174 per month, just for not being a responsible driver!
The auto insurance agents in Lexington shown below can aid you in deciding which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when shopping for the best coverage for postal employees. It can be difficult to find the best coverage on your own, so using a licensed agent can give you peace of mind knowing your coverage gives you decent coverage if you have a claim. To find an agent using an interactive map, click the button following the list.
Dawn Stice – State Farm Insurance Agent
121 Prosperous Pl Ste 11A – Lexington, KY 40509 – (859) 271-2277
Strong Insurance Agency, LLC
80 Codell Dr #120 – Lexington, KY 40509 – (859) 263-5840
Neely Taylor-Wade Insurance
133 Walton Ave – Lexington, KY 40508 – (859) 233-7855
Howard Shelton State Farm
2614 Richmond Road – Lexington, KY 40509 – (859) 266-6640
Keith Renfro – State Farm Insurance Agent
3101 Clays Mill Rd Suite 402 – Lexington, KY 40503 – (859) 278-8415
Find a Lexington, KY insurance agent near you
How to find the cheapest car insurance for postal workers
It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help Kentucky drivers find cheaper coverage.
- Discounts for being claim-free can be substantial
- If your vehicles are older, consider dropping full coverage
- Maintain a safe distance and avoid accidents
- Higher physical damage deductibles lower rates
- Avoid speeding and other traffic citations and pay less
- Keep rates low by comparing prices once a year
The last item on the list is certainly crucial, as was emphasized in this article. Car insurance rates can be modified anytime, so don’t be tentative to change insurance companies if a lower-cost policy is available.
Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing thousands of dollars over the life of your policy. In less than five minutes you could shop around and find cheaper insurance for postal workers in Lexington.