Corbin, KY Car Insurance

On average, Corbin drivers pay around $125 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What can Corbin residents expect to pay for their car insurance? Are rates in Corbin higher or lower than those in neighboring areas? How do they compare to the rest of Kentucky? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Corbin?

Area Average Monthly Car Insurance Premium
Corbin$125
KY$132
United States$80

Based on the chart above, you can see that coverage in Corbin typically costs about $7 a month less than it does in the rest of Kentucky.

On the flip side, the expected monthly payments for an auto insurance policy in Corbin are above the national average. It's about $45 more for coverage in Corbin than in the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Corbin, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down average rates for Corbin residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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 18Not Enough Data
18-24$177
25-34$136
35-44$119
45-54Not Enough Data
55-64$99
65+$117

The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may rise again in Corbin.

Average Car Insurance Rates by Gender

Gender Average
Male$132
Female$122

Car insurance rates for women are generally cheaper than they are for men. In Corbin, male drivers pay about $10 more per month. As you can see in the table above, male drivers in the area typically pay $132 on average, while female drivers typically pay $122 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$135
Multiple Accidents$150
1 Ticket$157
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Corbin with a single accident on their record is about $135 a month. In addition, drivers with one ticket can expect to pay around $157 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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 YearNot Enough Data
2-3 Years$131
4-5 Years$71
6-7 Years$116
8-10 Years$144
11-14 Years$126
15 Years or Older$122

If you look at the first table above, you'll see that cars are usually the cheapest vehicles to insure in Corbin, with drivers paying around $124 per month for insurance coverage.

SUV owners, on the other hand, typically pay around $127 a month, while truck and van drivers can expect to pay about $130 per month for car insurance coverage.

Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Corbin, the most expensive vehicles to insure are vehicles eight-to-ten years old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$125
Married$127
Divorced$125
Widowed$115

Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

While married drivers normally pay less than single drivers, in Corbin both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$114
Rent$133
Live with parents$94

One other element taken into consideration is your living accommodations. In Corbin, homeowners can expect to pay around $19 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in Corbin, KY

Recent trends in car insurance for Corbin drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Corbin, car insurance rates had been decreasing from 2018-2019, before steadying out in 2020. Car insurance rates finished down in 2021, at $114 a month

How does Corbin compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area laws
  • Road Safety (frequency of local car accidents)
  • Number of drivers in the region
  • Amount of off-street parking
  • Local crime rates

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 learn more.

How can I find the cheapest car insurance in Corbin?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

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 offering policies in Corbin.

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Corbin Insurance FAQs

What factors affect car insurance quotes in Corbin?

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, credit score, marital status, and address.

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

Local laws, crime rates, and parking situations -- 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 Corbin?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Corbin?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Corbin 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.

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