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How much is car insurance in Bardstown?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $13 a month cheaper to insure your vehicle in Bardstown than it is in the rest of Kentucky.
If you're considering relocating to Bardstown from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Bardstown is about $38 more expensive than the national average.
Keep in mind that these are the average auto insurance rates for Bardstown, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Bardstown residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
|65+||Not Enough Data|
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Bardstown.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, Bardstown actually bucks this trend. While female drivers pay $124 per month for insurance coverage, males only pay about $107.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Bardstown, drivers with one accident on their record will experience rates around $195 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $117 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$125|
The most affordable vehicles to insure in Bardstown are by and large SUVs, which run about $105 per month.
Truck and van drivers will see rates of about $134 for auto insurance coverage, while SUV owners typically pay around $105 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Bardstown are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$123|
Overall, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Bardstown is about $21 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$265|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Bardstown, expect to pay around $13 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Bardstown, KY
Recent trends in car insurance for Bardstown drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for car insurance in Bardstown had been increasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $97 per month
How does Bardstown compare to neighboring areas?
Why are car insurance rates in Bardstown different from other areas?
There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Availability of off-street parking
- Area laws
- Road Safety (frequency of car accidents)
- Total number of drivers
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Bardstown?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Bardstown.
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Bardstown Insurance FAQs
What factors affect car insurance quotes in Bardstown?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bardstown different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bardstown?
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 Bardstown?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bardstown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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