Paducah, KY Car Insurance

Residents of Paducah pay, on average, about $100 per month for car insurance. To learn more about policy rates and coverage in the Paducah area, continue reading our guide below.
How does Paducah compare to the surrounding area and the rest of Kentucky? What rates should residents of Paducah expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Paducah?

Area Average Monthly Car Insurance Premium
Paducah$100
KY$132
United States$80

Car insurance coverage in Paducah is about $32 cheaper than it is in the rest of Kentucky.

The average cost of insuring your vehicle in Paducah is above the national rate. It's about $20 more expensive for coverage in Paducah than the average rates for the U.S. as a whole.

While these are the average car insurance rates for Paducah, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down the average rates for Paducah to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$155
25-34$100
35-44$94
45-54Not Enough Data
55-64$73
65+$80

The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may start to rise again in Paducah.

Average Car Insurance Rates by Gender

Gender Average
Male$100
Female$100

Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Paducah, however, both pay around $100 per month to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$149
1 Ticket$156
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Paducah, a driving record with a single accident will usually get you a rate around $128 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $156.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$75
4-5 Years$113
6-7 Years$118
8-10 Years$111
11-14 Years$101
15 Years or Older$93

The most affordable vehicles to insure in Paducah are typically SUVs, which run about $95 per month.

Car owners can expect to pay an average of around $102 a month for their policy, while truck and van drivers are usually around $103 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Paducah are vehicles six-to-seven years old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$95
Divorced$87
Widowed$88

Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Paducah is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$92
Rent$102
Live with parents$119

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Paducah, expect to pay around $10 a month more than if you own property. 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 premiums, depending on your insurance company.

Car Insurance Companies in Paducah, KY

Recent trends in car insurance for Paducah drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The cost of auto insurance coverage in Paducah have been mixed as of late, it rose in 2016, declined in 2018, and increased again in 2020, before finishing at $120 in 2021.

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 numerous factors when figuring out how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Community laws
  • Number of drivers in the region
  • Road Safety (frequency of local car accidents)
  • Off-street parking access
  • Local crime rates

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Paducah?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies 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 gender and age, as well as your address, credit score, driving record, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Paducah or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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