Mount Washington, KY Car Insurance

The average cost for car insurance in Mount Washington is about $167 a month. To learn more about what you're likely to pay in the Mount Washington area, read our guide below.
What rates can residents of Mount Washington expect to pay for their car insurance? How does Mount Washington stack up to the rest of the area, or even Kentucky as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Mount Washington?

Area Average Monthly Car Insurance Premium
Mount Washington$167
KY$132
United States$80

As you can see, car insurance policies across the rest of Kentucky are about $35 a month cheaper than the rates drivers pay in Mount Washington.

The average cost of insuring your vehicle in Mount Washington is above the national rate. Coverage in Mount Washington is about $87 more expensive than it is for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Mount Washington, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Mount Washington and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP 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$240
25-34$126
35-44$122
45-54$117
55-64$70
65+$80

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up a bit in Mount Washington.

Average Car Insurance Rates by Gender

Gender Average
Male$177
Female$155

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Mount Washington, where women pay around $22 less per month than men. As you can see in the table above, female drivers in the area typically pay $155 on average, while female drivers typically pay $177 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$270
Multiple Accidents$101
1 Ticket$159
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. The rate for drivers in Mount Washington with a single accident on their record is about $270 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $159.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$159
4-5 Years$280
6-7 Years$107
8-10 Years$219
11-14 Years$160
15 Years or Older$164

As you can see in the first table above, the cheapest vehicles to insure in Mount Washington are typically SUVs, which run about $164 per month.

Truck and van drivers will see rates of about $190, while the rates for car owners average out to about $168 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Mount Washington, 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)$173
Married$107
Divorced$161
Widowed$116

On average, people who are married 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.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Mount Washington is no exception, with the difference totaling to around $66 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$169
Rent$163
Live with parents$251

Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month less than homeowners in Mount Washington. 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 Mount Washington, KY

Recent trends in car insurance for Mount Washington drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Mount Washington, auto insurance rates rose from 2016-2017, when they reached a high of $205. This changed in 2018, when car insurance rates began to decrease. They hit a low of $134 in 2019, and finished at $149 in 2021.

How does Mount Washington compare to neighboring areas?

Why are car insurance rates in Mount Washington different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Local regulations
  • Regional crime rates
  • Road Safety (frequency of car accidents)
  • Off-street parking availability
  • Number of drivers in the region

Having an awareness of these factors is critical 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 Mount Washington?

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.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code 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 offering plans in Mount Washington.

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Mount Washington Insurance FAQs

What factors affect car insurance quotes in Mount Washington?

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

Why is the cost of car insurance in Mount Washington different from other neighboring cities?

Crime rates, local laws, 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 Mount Washington?

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 Mount Washington?

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 Mount Washington 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.

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