Ashland, KY Car Insurance

Ashland drivers pay, on average, around $96 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Ashland measure up compared to neighboring areas, including Kentucky as a whole? How much can residents of Ashland expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ashland?

Area Average Monthly Car Insurance Premium
Ashland$96
KY$132
United States$80

The cost of coverage in Ashland is about $36 a month cheaper than it is for the rest of Kentucky.

That being said Ashland residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $16 more expensive to insure your vehicle in Ashland compared to the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Ashland, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Ashland so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$135
25-34$100
35-44$88
45-54Not Enough Data
55-64$82
65+$95

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up in Ashland.

Average Car Insurance Rates by Gender

Gender Average
Male$98
Female$95

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Ashland, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$102
Multiple Accidents$112
1 Ticket$90
Multiple Tickets$144

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. Drivers in Ashland with one accident will pay around $102 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $90.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$110
4-5 Years$110
6-7 Years$95
8-10 Years$99
11-14 Years$98
15 Years or Older$91

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Ashland, with drivers paying around $90 per month for insurance.

Car owners can expect to pay an average of around $96 a month for their policy, while SUVs usually cost around $100 a month to insure.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Ashland, the most expensive vehicles to insure are vehicles two-to-three years old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$101
Married$85
Divorced$85
Widowed$95

Overall, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

The cost of auto insurance in Ashland reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$92
Rent$97
Live with parents$102

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than homeowners in Ashland. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Ashland, KY

Recent trends in car insurance for Ashland drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The rates for car insurance in Ashland have been mixed as of late. They did, however, turn downward from $87 in 2020 to $86 in 2021.

How does Ashland compare to neighboring areas?

Why are car insurance rates in Ashland different from other areas?

Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Number of drivers in the region
  • Area laws
  • Local crime rates
  • Road safety
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Ashland?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in Ashland.

Compare the cheapest quotes from dozens of insurance companies

Ashland Insurance FAQs

What factors affect car insurance quotes in Ashland?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Ashland different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Ashland?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Ashland?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Ashland or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes