Campbellsville, KY Car Insurance

The average cost for car insurance in Campbellsville is about $111 a month. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Campbellsville stack up? What about against the rest of Kentucky? What rates can residents of Campbellsville expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Campbellsville?

Area Average Monthly Car Insurance Premium
Campbellsville$111
KY$132
United States$80

As you can see in the chart above, it is around $21 a month cheaper to insure your vehicle in Campbellsville than it is in the rest of Kentucky.

The average cost of insuring your vehicle in Campbellsville is above the national rate. It's about $31 more for coverage in Campbellsville than in the rest of the U.S.

Although these are the average rates for auto insurance in Campbellsville, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.

But don't worry, we've broken down the average rate for Campbellsville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$190
25-34$97
35-44$96
45-54$87
55-64$89
65+$110

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Campbellsville drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$122
Female$102

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Campbellsville, this difference shakes out to about $20 a month. Based on the chart above, you can see that male drivers pay $122 on average, while female drivers typically pay $102 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$182
Multiple Accidents$160
1 Ticket$172
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Campbellsville, a driving record with one accident will usually get you a rate around $182 a month. Similarly, drivers with one ticket will typically pay around $172 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$76
4-5 Years$122
6-7 YearsNot Enough Data
8-10 Years$122
11-14 Years$115
15 Years or Older$106

According to the first table above, the cheapest vehicles to insure in Campbellsville are by and large trucks and vans, at $79 per month.

Car owners can expect to pay an average of around $117 a month for their policy, while SUVs usually cost around $101 a month to insure.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Campbellsville are vehicles four-to-five years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$123
Married$86
Divorced$99
Widowed$92

On average, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

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 $37 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$98
Rent$108
Live with parents$239

Another factor that comes into play is your housing status. Renters can expect to pay around $10 a month more than those who own their own home in Campbellsville. But if you live with your parents, you can expect to pay a lot more.

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 average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Campbellsville, the rates for auto insurance have been mixed over the past few years. They increased in 2016, declined in 2018, and rose again in 2020, before finishing at $106 in 2021.

How does Campbellsville compare to neighboring areas?

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

Car insurance companies look at numerous 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:

  • Amount of drivers in the region
  • Access to off-street parking
  • Road safety
  • Rate of crime
  • Regional laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Campbellsville?

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.

Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Campbellsville.

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Campbellsville Insurance FAQs

What factors affect car insurance quotes in Campbellsville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Campbellsville different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Campbellsville 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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