Latonia, KY Car Insurance

On average, drivers in Latonia pay around $102 per month for their car insurance. For more information refer to our guide below.
How much can residents of Latonia expect to pay for their car insurance? Compared to their surrounding area, how do rates in Latonia stack up? What about against the rest of Kentucky? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Latonia?

Area Average Monthly Car Insurance Premium
Latonia$102
KY$132
United States$80

The cost of coverage in Latonia is about $30 a month cheaper than it is for the rest of Kentucky.

Conversely, Latonia residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $22 more expensive for coverage in Latonia than the average rates for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Latonia, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Latonia and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$159
25-34$94
35-44$89
45-54Not Enough Data
55-64$73
65+$54

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Latonia.

Average Car Insurance Rates by Gender

Gender Average
Male$92
Female$105

Although women typically pay less than men do for auto insurance coverage, this is not the case in Latonia, where female drivers pay around $105 per month while male drivers pay about $92.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$110
Multiple Accidents$128
1 Ticket$107
Multiple Tickets$117

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Latonia, drivers with one accident on their record will experience rates around $110 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $107.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$43
4-5 Years$154
6-7 Years$101
8-10 Years$106
11-14 Years$102
15 Years or Older$88

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Latonia, with drivers paying around $92 per month to insure their vehicle.

Car owners will see rates of about $105, while truck and van owners usually pay around $101 per month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Latonia, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$105
Married$78
Divorced$103
Widowed$62

Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Latonia, the difference in rates based on relationship status can be as much as $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$99
Live with parents$111

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 less than drivers who own property in Latonia. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Latonia, KY

Recent trends in car insurance for Latonia drivers

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

Car insurance rates in Latonia decreased from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $130 a month.

How does Latonia compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Regional crime rates
  • Number of drivers in the area
  • Amount of off-street parking
  • Road safety
  • Area regulations

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 Latonia?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Latonia.

Compare the cheapest quotes from dozens of insurance companies

Latonia Insurance FAQs

What factors affect car insurance quotes in Latonia?

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 Latonia different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Latonia?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Latonia or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes