Elizabethtown, KY Car Insurance

What can Elizabethtown residents expect to pay for their car insurance? How do rates in Elizabethtown measure up compared to neighboring areas, including Kentucky as a whole? 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 Elizabethtown?

Auto insurance coverage in Elizabethtown is about $14 cheaper than it is in the rest of Kentucky.

The average cost of insuring your vehicle in Elizabethtown is above the national rate. It's around $37 more expensive for coverage in Elizabethtown than the average rates seen in the rest of the U.S.

Although these are the average car insurance rates in Elizabethtown, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Elizabethtown residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

---

---

Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Elizabethtown.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. This rings true in Elizabethtown, where women pay around $8 less per month than men. Based on the chart above, you can see that female drivers pay around $115 on average, while male drivers typically pay $123 each month.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Elizabethtown, a driving record with one accident will usually get you a rate around $152 a month. In addition, drivers with a single ticket on their record can expect to pay around $155 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Elizabethtown are usually trucks and vans, with each type typically costing about $105 per month.

Car owners can expect to pay an average of around $123 a month for their policy, while SUVs usually cost around $113 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Elizabethtown, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

On average, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Elizabethtown is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another factor that affects your monthly rate. In Elizabethtown, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, 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 Elizabethtown, KY

Recent trends in car insurance for Elizabethtown drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Car insurance rates in Elizabethtown decreased from 2017-2020, before steadying out in 2021. They finished down in 2022, at $102 per month

How does Elizabethtown compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review numerous factors. Many factors affecting your policy are based around where you call home. These factors include things like:

• Off-street parking accessibility
• Laws
• Total drivers
• Crime levels
• Road Safety (frequency of car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Elizabethtown?

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.

Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Elizabethtown.

---

---

Elizabethtown Insurance FAQs

What factors affect car insurance quotes in Elizabethtown?

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 credit score, address, marital status and driving record.

Why is the cost of car insurance in Elizabethtown 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, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Elizabethtown?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Elizabethtown 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.