Bardstown, KY Car Insurance

On average, Bardstown drivers pay a monthly average rate of around $119 for their car insurance. Learn more in our handy guide below.
What should residents of Bardstown expect to pay for their car insurance? How does Bardstown stack up to the rest of the area, or even Kentucky as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Bardstown?

Area Average Monthly Car Insurance Premium
Bardstown$119
KY$132
United States$80

Based on the above chart, auto insurance policies in Bardstown are about $13 a month cheaper than in the rest of Kentucky.

That being said Bardstown residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Bardstown is about $39 more expensive than it is for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Bardstown, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

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 below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$232
25-34$111
35-44$123
45-54$91
55-64$89
65+Not Enough Data

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up a bit in Bardstown.

Average Car Insurance Rates by Gender

Gender Average
Male$110
Female$125

Despite the national trend of women paying less than men for auto insurance, in Bardstown men actually pay $110 per month for coverage while women pay $125.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$204
Multiple Accidents$133
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Bardstown, a driving record with a single accident will usually get you a rate around $204 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$119
4-5 Years$118
6-7 Years$89
8-10 Years$120
11-14 Years$120
15 Years or Older$123

The most affordable vehicles to insure in Bardstown are typically trucks and vans, which run about $110 per month.

Car owners can expect to pay an average of around $123 a month for their policy, while SUVs usually cost around $116 a month to insure.

Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. 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
Married$115
Divorced$97
Widowed$85

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Bardstown follows that pattern, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$105
Rent$116
Live with parents$265

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Bardstown. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Bardstown, KY

Recent trends in car insurance for Bardstown drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Bardstown, auto insurance rates went up from 2018-2019, when they reached a high of $139. This trend leveled out in 2020, when they began to decrease, and have continued on that path through the present -- when car insurance rates hit a low of $103 a month.

How does Bardstown compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Local crime rates
  • Off-street parking availability
  • Community regulations
  • Road Safety (frequency of car accidents)
  • Total amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Bardstown?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage 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 like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Bardstown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes