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How much is car insurance in Fort Campbell?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $6 a month more expensive to insure your vehicle in Fort Campbell than it is in the rest of Kentucky.
If you're considering relocating to Fort Campbell from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Fort Campbell is about $57 more expensive than the average rate for the rest of the U.S.
These may be the average auto insurance rates for Fort Campbell, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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.
But don't worry, we've broken down the average rate 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 for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
|65+||Not Enough Data|
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Fort Campbell.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Fort Campbell is about $16 a month. As you can see in the chart above, car insurance for women in the area typically costs around $125 each month, while men pay $141 on average.
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 significantly lower rates than those with accidents or violations. Drivers in Fort Campbell with a single accident will pay around $124 a month. In addition, drivers with one ticket can expect to pay around $137 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$114|
|15 Years or Older||$150|
According to the first table above, the cheapest vehicles to insure in Fort Campbell are by and large SUVs, at $102 per month.
Truck and van drivers will see rates of about $155, while the rates for car owners average out to about $143 per month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Fort Campbell are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$149|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The cost of auto insurance in Fort Campbell reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $42 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Fort Campbell. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Fort Campbell, KY
Recent trends in car insurance for Fort Campbell drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Auto insurance rates in Fort Campbell dropped from 2017-2018, but began to increase in 2021. This trend has continued through the present, where they reached a high of $211 a 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 numerous factors when they're deciding how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Access to off-street parking
- Rate of car accidents
- Regional laws
- Total amount of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Fort Campbell?
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.
Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Fort Campbell.
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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 like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fort Campbell 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 local laws, parking situations, 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 Fort Campbell?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Fort Campbell?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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.
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