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How much is car insurance in Harrodsburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Harrodsburg typically costs about $24 a month less than it does in the rest of Kentucky.
Compared to the national average cost of auto coverage, Harrodsburg has higher rates. It's about $27 more expensive than the national average to insure your vehicle in Harrodsburg.
While these are the average costs to insure your vehicle in Harrodsburg, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Harrodsburg 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 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|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Harrodsburg.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Harrodsburg, where women pay around $12 less per month than men. Looking at the table above, you can see that female drivers pay around $102 on average, while male drivers typically pay $114 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Harrodsburg with a single accident will pay around $167 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $137.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$90|
|15 Years or Older||$114|
If you look at the first table above, the cheapest vehicles to insure in Harrodsburg are typically trucks and vans, at $103 per month.
SUV drivers will see rates of about $106, while the rates for car owners average out to about $111 a month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Harrodsburg are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
On a national scale, single drivers typically pay more than married couples do for auto insurance. Harrodsburg is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Harrodsburg, expect to pay around $22 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Harrodsburg, KY
Recent trends in car insurance for Harrodsburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for car insurance in Harrodsburg had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $90 per month.
How does Harrodsburg compare to neighboring areas?
Why are car insurance rates in Harrodsburg different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Community laws
- Total amount of drivers in the community
- Prevalence of crime
- Road Safety (total number of local car accidents)
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Harrodsburg?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Harrodsburg in no time.
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Harrodsburg Insurance FAQs
What factors affect car insurance quotes in Harrodsburg?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Harrodsburg different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Harrodsburg?
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 Harrodsburg?
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. 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 Harrodsburg 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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