Pikeville, KY Car Insurance

The average monthly cost for car insurance in Pikeville is about $133. To learn more about what you're likely to pay in the Pikeville area, read our guide below.
What rates should residents of Pikeville expect to pay for their car insurance? How does Pikeville stack up to the rest of the area, or even Kentucky as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Pikeville?

Area Average Monthly Car Insurance Premium
Pikeville$133
KY$132
United States$80

Based on the chart above, you can see that car insurance rates in Pikeville are in line with rates across the rest of Kentucky.

Similarly, residents of Pikeville might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $53 more for your policy in Pikeville.

While these are the average costs to insure your vehicle in Pikeville, 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. 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 the average rate for Pikeville residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, 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$175
25-34$140
35-44$133
45-54$111
55-64$110
65+$117

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Pikeville.

Average Car Insurance Rates by Gender

Gender Average
Male$138
Female$129

Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Pikeville, where women pay around $9 less a month. As you can see in the table above, female drivers in the area typically pay $129 on average, while female drivers typically pay $138 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$173
Multiple Accidents$163
1 Ticket$158
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Pikeville with a single accident will pay around $173 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $158.

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$114
2-3 Years$97
4-5 Years$134
6-7 Years$126
8-10 Years$142
11-14 Years$148
15 Years or Older$125

If you look at the first table above, you'll see that cars are usually the cheapest vehicles to insure in Pikeville, with drivers paying around $129 per month for auto insurance.

SUV owners, on the other hand, by and large pay around $146 per month, while truck and van drivers can expect to pay about $134 a month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Pikeville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$135
Married$136
Divorced$134
Widowed$98

Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Pikeville are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$135
Rent$127
Live with parents$170

Another factor that comes into play is your living accommodations. Renters can expect to pay around $8 a month less than those who own their own home in Pikeville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Pikeville, KY

Recent trends in car insurance for Pikeville 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.

The rates for car insurance in Pikeville rose from 2016-2017, when they reached a high of $180. This shifted in 2018, when they began to decrease again. They finished up in 2021, at $118 per month

How does Pikeville compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Road Safety (total number of local car accidents)
  • Total number of drivers in the community
  • Regional laws
  • Crime rates
  • Off-street parking access

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Pikeville?

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 hold on! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Pikeville in no time.

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Pikeville Insurance FAQs

What factors affect car insurance quotes in Pikeville?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Things like local laws, crime rates, and parking situations, 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 Pikeville?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Pikeville?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Pikeville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes