Paducah, KY Car Insurance

On average, Paducah drivers pay a monthly average rate of around $115 for their car insurance. To find out more check out our guide below.
What rates should residents of Paducah expect to pay for their car insurance? How does Paducah compare to the surrounding area and 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 Paducah?

Area Average Monthly Car Insurance Premium
Paducah$115
KY$132
United States$81

According to the chart above, the average cost of auto insurance in Kentucky is about $17 a month more expensive than it is in Paducah.

On the flip side, Paducah residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of insuring a vehicle in Paducah is about $34 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Paducah, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Paducah residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply 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$172
25-34$100
35-44$97
45-54$84
55-64$77
65+$81

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Paducah.

Average Car Insurance Rates by Gender

Gender Average
Male$125
Female$105

Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Paducah, where women pay around $20 less per month than men. Based on the chart above, you can see that male drivers pay $125 on average, while female drivers typically pay $105 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$165
Multiple Accidents$146
1 Ticket$132
Multiple Tickets$202

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Paducah with a single accident on their record is about $165 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $132 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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 Year$71
2-3 Years$135
4-5 Years$114
6-7 Years$157
8-10 Years$124
11-14 Years$106
15 Years or Older$106

In Paducah, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $111 per month for insurance coverage.

SUV drivers will see rates of about $122, while the rates for car owners average out to about $113 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Paducah, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$115
Married$125
Divorced$88
Widowed$79

On average, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

In Paducah, the difference in rates based on relationship status can be as much as $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$95
Rent$119
Live with parents$168

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $24 a month more than drivers who own property in Paducah. 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 Paducah, KY

Recent trends in car insurance for Paducah drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for auto insurance in Paducah had been decreasing from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $120.

How does Paducah compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Local laws
  • Crime levels
  • Road Safety (how many accidents each locality has)
  • Total amount of drivers in the community
  • Access to off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Paducah?

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

But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Paducah.

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Paducah Insurance FAQs

What factors affect car insurance quotes in Paducah?

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

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

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 Paducah?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Paducah 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.

Find your best rate in just a few minutes