Harrodsburg, KY Car Insurance

The average monthly cost for car insurance in Harrodsburg is about $108. To learn more about what you're likely to pay in the Harrodsburg area, read our guide below.
Compared to their surrounding area, how do rates in Harrodsburg stack up? What about against the rest of Kentucky? What should residents of Harrodsburg expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Harrodsburg?

Area Average Monthly Car Insurance Premium
Harrodsburg$108
KY$132
United States$80

Based on the chart above, you can see that it's about $24 a month cheaper to insure your vehicle in Harrodsburg than it is in the rest of Kentucky.

If you're considering relocating to Harrodsburg from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $28 cheaper than it is in Harrodsburg.

Although these are the average car insurance rates in Harrodsburg, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

But don't worry, we've broken down the average rates for Harrodsburg residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$161
25-34$101
35-44$109
45-54Not Enough Data
55-64$77
65+$68

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. Harrodsburg drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$108

In general, car insurance rates for women are usually cheaper than they are for men. In Harrodsburg, however, male and female drivers both pay about the same rate for car insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$177
Multiple Accidents$149
1 Ticket$149
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Harrodsburg, a driving record with one accident will usually get you a rate around $177 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $149.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$90
2-3 Years$110
4-5 YearsNot Enough Data
6-7 Years$142
8-10 Years$104
11-14 Years$103
15 Years or Older$108

According to the first table above, the cheapest vehicles to insure in Harrodsburg are typically trucks and vans, at $98 per month.

Car owners will see a monthly rate of about $109, while SUV owners usually pay around $112 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Harrodsburg, vehicles six-to-seven years old and two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$116
Married$96
Divorced$94
Widowed$70

Generally, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

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 $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$95
Rent$108
Live with parents$160

Your living situation is another factor that affects your monthly rate. Drivers who own property in Harrodsburg can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Harrodsburg, KY

Recent trends in car insurance for Harrodsburg 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 policy.

The cost of insurance in Harrodsburg went up from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $96 a month

How does Harrodsburg compare to neighboring areas?

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

Car insurance companies will take into account 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 and drive. These include things like:

  • Crime rates
  • Rate of car accidents
  • Community regulations
  • Number of drivers in the area
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Harrodsburg?

While knowing 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.

Fortunately, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Harrodsburg.

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Harrodsburg Insurance FAQs

What factors affect car insurance quotes in Harrodsburg?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Harrodsburg different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 Harrodsburg?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Harrodsburg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes