Erlanger, KY Car Insurance

Drivers in Erlanger pay, on average, $102 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What can Erlanger residents expect to pay for their car insurance? How does Erlanger stack up to the rest of the area, or even Kentucky as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Erlanger?

Area Average Monthly Car Insurance Premium
Erlanger$102
KY$132
United States$80

Looking at the chart above, you can see it's around $30 a month cheaper to insure your vehicle in Erlanger than it is in the rest of Kentucky.

If you're considering relocating to Erlanger from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Erlanger is about $22 more expensive than the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Erlanger to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$197
18-24$147
25-34$96
35-44$91
45-54Not Enough Data
55-64$71
65+$87

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $60 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Erlanger.

Average Car Insurance Rates by Gender

Gender Average
Male$97
Female$106

Although women typically pay less than men do for auto insurance, this is not the case in Erlanger, where female drivers pay around $106 per month while male drivers pay about $97.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$111
Multiple Accidents$86
1 Ticket$116
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Erlanger with a single accident on their record is about $111 a month. In addition, drivers with one ticket can expect to pay around $116 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$72
4-5 Years$90
6-7 Years$100
8-10 Years$127
11-14 Years$105
15 Years or Older$96

The most affordable vehicles to insure in Erlanger are by and large trucks and vans, which run about $90 per month.

Car owners can expect to pay an average of around $102 a month for their policy, while SUVs usually cost around $108 a month to insure.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Erlanger, the most expensive vehicles to insure are vehicles eight-to-ten years old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$117
Divorced$86
Widowed$101

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Erlanger is about $17 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$87
Rent$100
Live with parents$177

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Erlanger. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Erlanger, KY

Recent trends in car insurance for Erlanger drivers

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

In Erlanger, the rates for car insurance had been increasing from 2016-2017, before declining from 2018-2019. They finished down in 2021, at $83.

How does Erlanger compare to neighboring areas?

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

There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Road Safety (how many accidents each locality has)
  • Amount of drivers in the area
  • Prevalence of crime
  • Area regulations
  • Off-street parking availability

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Erlanger?

While getting familiar with 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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Erlanger.

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Erlanger Insurance FAQs

What factors affect car insurance quotes in Erlanger?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Erlanger 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, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

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 Erlanger?

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 Erlanger 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?

Find your best rate in just a few minutes