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How much is car insurance in Elizabethtown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Elizabethtown than it is in the rest of Kentucky.
Compared to the national average cost of auto coverage, Elizabethtown has higher rates. The cost of auto coverage in Elizabethtown is about $41 more expensive than the national average.
Bear in mind that while these rates represent the expected monthly payments for residents of Elizabethtown, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Elizabethtown and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Elizabethtown drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Elizabethtown, the difference is around $8 a month. As you can see in the table above, male drivers in the area typically pay $127 on average, while female drivers typically pay $119 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay less than those with accidents or violations. In Elizabethtown, drivers with one accident on their record will experience rates around $153 a month. In addition, drivers with a single ticket on their record can expect to pay around $127 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$119|
As you can see in the first table above, the cheapest vehicles to insure in Elizabethtown are usually trucks and vans, which run about $114 per month.
Car owners, on the other hand, typically pay around $124 per month, while SUV drivers can expect to pay about $118 a month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Elizabethtown, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Overall, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Elizabethtown is about $19 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Elizabethtown, expect to pay around $6 a month more than if you own property. But those who live at home with their parents can expect to pay significantly 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
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 Elizabethtown, auto insurance rates increased from 2016-2017, but began to decrease from 2018-2020, when they reached a low of $107. Rates finished up in 2021, at $119 per month.
How does Elizabethtown compare to neighboring areas?
Why are car insurance rates in Elizabethtown different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the region
- Local crime rates
- Road safety
- Off-street parking access
- Community laws
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. Knowing 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 Elizabethtown?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Elizabethtown.
Elizabethtown Insurance FAQs
What factors affect car insurance quotes in Elizabethtown?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Elizabethtown different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Elizabethtown?
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 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Elizabethtown 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.