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How much is car insurance in Fort Campbell?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Fort Campbell is about $8 cheaper than it is in the rest of Kentucky.
That being said the expected monthly payments for an auto insurance policy in Fort Campbell are above the national average. It's around $44 more expensive to insure your vehicle in Fort Campbell compared to the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Fort Campbell, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down average rates for Fort Campbell 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, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
|65+||Not Enough Data|
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Fort Campbell.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Fort Campbell, where male drivers pay about $29 more a month. Based on the chart above, you can see that male drivers pay $129 on average, while female drivers typically pay $100 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Fort Campbell with one accident will pay around $119 a month. In addition, drivers with one ticket can expect to pay around $163 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$104|
|15 Years or Older||$125|
If you look at the first table above, the cheapest vehicles to insure in Fort Campbell are typically SUVs, at $91 per month.
Car owners can expect to pay an average of around $133 a month for their policy, while truck and van drivers are usually around $118 to insure each month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Fort Campbell, 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)||$131|
On average, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Fort Campbell, with married couples paying about $23 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $33 a month less than those who own their own home in Fort Campbell. 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 Fort Campbell, KY
Recent trends in car insurance for Fort Campbell drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Fort Campbell, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Car insurance rates finished up in 2021, at $163 per month
How does Fort Campbell compare to neighboring areas?
Why are car insurance rates in Fort Campbell different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Rate of crime
- Area laws
- Off-street parking access
- Total number of drivers in the community
- Road Safety (total number of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Fort Campbell?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Fort Campbell.
Fort Campbell Insurance FAQs
What factors affect car insurance quotes in Fort Campbell?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Fort Campbell different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Fort Campbell?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Fort Campbell?
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 Fort Campbell 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.