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How much is car insurance in Campbellsville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $23 a month cheaper to insure your vehicle in Campbellsville than it is in the rest of Kentucky.
Compared to the national average cost of auto coverage, Campbellsville has higher rates. The average monthly payment in Campbellsville is about $28 more expensive than the rate for the rest of the U.S.
Although these are the average car insurance rates in Campbellsville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down average rates for Campbellsville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up in Campbellsville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Campbellsville, the difference comes out to about $19 per month. As you can see in the table above, female drivers in the area typically pay $102 on average, while female drivers typically pay $121 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Campbellsville, a driving record with one accident will usually get you a rate around $176 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $151.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$104|
The most affordable vehicles to insure in Campbellsville are by and large trucks and vans, which run about $81 per month.
SUV drivers will see rates of about $94 to insure their vehicle, while car owners usually pay around $117 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Campbellsville, the most expensive vehicles to insure are vehicles eight-to-ten years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Campbellsville is no exception, with the difference totaling to around $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$239|
Another factor taken into consideration is your housing situation. Homeowners in Campbellsville can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Campbellsville, KY
Recent trends in car insurance for Campbellsville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Campbellsville, auto insurance rates declined from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $93.
How does Campbellsville compare to neighboring areas?
Why are car insurance rates in Campbellsville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Community laws
- Total amount of drivers in the area
- Number of car accidents
- Local crime rates
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Campbellsville?
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.
But wait! Compare.com does all of that work for you. Just punch in 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 providing policies in Campbellsville.
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Campbellsville Insurance FAQs
What factors affect car insurance quotes in Campbellsville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Campbellsville 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 Campbellsville?
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 Campbellsville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Campbellsville 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?
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