Hopkinsville, KY Car Insurance

How does Hopkinsville stack up to the rest of the area, or even Kentucky as a whole? What should residents of Hopkinsville expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Hopkinsville?

According to the chart above, the average cost of auto insurance in Kentucky is about $29 a month more expensive than it is in Hopkinsville.

Drivers relocating the Hopkinsville should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $22 cheaper than it is in Hopkinsville.

Keep in mind that these are the average auto insurance rates for Hopkinsville, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Hopkinsville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

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 rise again in Hopkinsville.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. This is true in Hopkinsville, where male drivers pay about $11 more a month. As you can see in the table above, female drivers in the area typically pay $98 on average, while female drivers typically pay $109 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Hopkinsville, drivers with one accident on their record will experience rates around $131 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $99.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Hopkinsville are by and large trucks and vans, which run about $97 per month.

Car owners, on the other hand, usually pay around $101 per month, while SUV drivers can expect to pay about $113 a month for insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Hopkinsville, the most expensive vehicles to insure are vehicles eight-to-ten years old and fifteen years and older.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Hopkinsville is about $27 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Drivers who own property in Hopkinsville can expect to pay around $29 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 Hopkinsville, KY

Recent trends in car insurance for Hopkinsville drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

Auto insurance rates in Hopkinsville have been mixed as of late, they fell in 2017, increased in 2019, and decreased again in 2021, before finishing at $89 in 2022.

How does Hopkinsville compare to neighboring areas?

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

Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

• Off-street parking availability
• Regional laws
• Local crime rates
• Rate of car accidents
• Total number of drivers in the area

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

But hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Hopkinsville.

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Hopkinsville Insurance FAQs

What factors affect car insurance quotes in Hopkinsville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, 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?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 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?

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 Hopkinsville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?