Hazard, KY Car Insurance

Residents of Hazard pay around $146 monthly for their car insurance coverage. Learn more in our handy guide below.
Are rates in Hazard higher or lower than those in neighboring areas? How do they compare to the rest of Kentucky? What rates should residents of Hazard expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Hazard?

Area Average Monthly Car Insurance Premium
Hazard$146
KY$132
United States$80

You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Hazard than it is in the rest of Kentucky.

Similarly, the expected monthly payments for an auto insurance policy in Hazard are above the national average. Coverage in Hazard is about $66 more expensive than it is for the rest of the U.S.

These may be the average auto insurance rates for Hazard, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Hazard residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$246
25-34$143
35-44$128
45-54$121
55-64$113
65+$142

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Hazard.

Average Car Insurance Rates by Gender

Gender Average
Male$154
Female$138

On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Hazard, where women pay around $16 less per month than men. Based on the chart above, you can see that male drivers pay $154 on average, while female drivers typically pay $138 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$177
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the key 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. The rate for drivers in Hazard with a single accident on their record is about $177 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$143
4-5 Years$133
6-7 Years$99
8-10 Years$134
11-14 Years$157
15 Years or Older$154

If you look at the first table above, the cheapest vehicles to insure in Hazard are by and large trucks and vans, at $141 per month.

SUV drivers will see rates of about $144, while the rates for car owners average out to about $149 a month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Hazard, vehicles eleven-to-fourteen years old and fifteen years and older are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$153
Married$131
Divorced$150
Widowed$101

On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Hazard can be as much as $22 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$129
Rent$153
Live with parents$191

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Hazard, expect to pay around $24 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

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 Hazard, KY

Recent trends in car insurance for Hazard drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Hazard had been increasing from 2016-2017, but changed in 2018. They decreased until 2020, when they reached a low of $119, and finished at $138 in 2021.

How does Hazard compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Regional regulations
  • Rate of car accidents
  • Rate of crime
  • Total number of drivers in the region
  • Amount of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Hazard?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Hazard.

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Hazard Insurance FAQs

What factors affect car insurance quotes in Hazard?

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 marital status, credit score, address, and driving record.

Why is the cost of car insurance in Hazard 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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

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 Hazard?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hazard or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes