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How much is car insurance in Erlanger?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Erlanger is about $19 cheaper than it is in the rest of Kentucky.
On the other hand, residents of Erlanger might expect to pay higher rates for coverage than the rest of the country. It's around $32 more expensive to insure your vehicle in Erlanger compared to 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. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 don't worry, we've broken down the average rate for Erlanger residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Erlanger.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Erlanger, where female drivers pay around $119 per month while male drivers pay about $104.
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 will pay much lower rates than those with accidents or violations. Drivers in Erlanger with a single accident will pay around $121 a month. In addition, drivers with a single ticket on their record can expect to pay around $335 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$115|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Erlanger, with drivers paying around $102 per month for insurance coverage.
Car owners, on the other hand, typically pay around $116 per month, while SUV drivers can expect to pay about $107 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Erlanger, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Generally, those who are currently married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Erlanger are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$168|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $18 less than homeowners in Erlanger. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Erlanger, KY
Recent trends in car insurance for Erlanger drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Erlanger, auto insurance rates declined from 2017-2019, but began to rise in 2020. This pattern has continued through 2022 when rates have most recently hit $217 per month.
How does Erlanger compare to neighboring areas?
Why are car insurance rates in Erlanger different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Amount of off-street parking
- Total number of drivers
- Rate of crime
- Rate of car accidents
- Area regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way 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.
But wait! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Erlanger in no time.
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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 year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Erlanger 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 Erlanger?
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 Erlanger?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Erlanger or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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