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How much is car insurance in Hopkinsville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $29 a month cheaper to insure your vehicle in Hopkinsville than it is in the rest of Kentucky.
If you're considering relocating to Hopkinsville from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Hopkinsville is about $23 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Hopkinsville, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Hopkinsville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $77 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may begin to increase again in Hopkinsville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Hopkinsville, this difference shakes out to about $10 a month. Looking at the table above, you can see that female drivers pay around $99 on average, while male drivers typically pay $109 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Hopkinsville, a driving record with one accident will usually get you a rate around $133 a month.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||Not Enough Data|
|15 Years or Older||$108|
If you look at the first table above, the cheapest vehicles to insure in Hopkinsville are usually cars, at $99 per month.
SUV owners will see rates of about $110, while truck and van owners by and large pay around $112 per month.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Hopkinsville, the most expensive vehicles to insure are vehicles two-to-three years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Overall, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Hopkinsville can be as much as $26 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Hopkinsville, expect to pay around $30 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Hopkinsville, KY
Recent trends in car insurance for Hopkinsville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Hopkinsville, auto insurance rates went up from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $87 a month.
How does Hopkinsville compare to neighboring areas?
Why are car insurance rates in Hopkinsville different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Crime rates
- Number of drivers
- Road Safety (frequency of car accidents)
- Regional regulations
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Hopkinsville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Hopkinsville.
Hopkinsville Insurance FAQs
What factors affect car insurance quotes in Hopkinsville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Hopkinsville different from other neighboring cities?
Local laws, crime rates, 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 Hopkinsville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hopkinsville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Hopkinsville 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.