Radcliff, KY Car Insurance

On average, drivers in Radcliff pay around $119 per month for their car insurance. For more information refer to our guide below.
Are rates in Radcliff higher or lower than those in neighboring areas? How do they compare to the rest of Kentucky? What should residents of Radcliff expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Radcliff?

Area Average Monthly Car Insurance Premium
Radcliff$119
KY$132
United States$80

According to the chart above, the average cost of auto insurance in Kentucky is about $13 a month more expensive than it is in Radcliff.

On the flip side, Radcliff residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Radcliff is about $39 more expensive than the rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Radcliff, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But don't worry, we've broken down the average rates for Radcliff residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP 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$199
25-34$117
35-44$108
45-54$104
55-64$91
65+$112

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Radcliff.

Average Car Insurance Rates by Gender

Gender Average
Male$123
Female$118

Car insurance rates for women are generally cheaper than they are for men. In Radcliff, the difference is around $5 a month. Based on the chart above, you can see that female drivers pay around $118 on average, while male drivers typically pay $123 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$172
Multiple Accidents$136
1 Ticket$127
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Radcliff with a single accident will pay around $172 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $127 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$110
2-3 Years$144
4-5 Years$133
6-7 Years$130
8-10 Years$130
11-14 Years$115
15 Years or Older$116

According to the first table above, the cheapest vehicles to insure in Radcliff are typically trucks and vans, at $98 per month.

Car owners will see a monthly premium of about $120, while SUV owners usually pay around $134 per month.

Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Radcliff, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$121
Married$126
Divorced$100

Overall, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Radcliff follows that pattern, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$119
Rent$119
Live with parents$129

One other element taken into consideration is your housing status. Homeowners and renters alike can expect to pay about $119 per month for coverage in Radcliff.

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

Car Insurance Companies in Radcliff, KY

Recent trends in car insurance for Radcliff drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of insurance in Radcliff declined from 2016-2018, before leveling out in 2019. Rates finished up in 2021, at $120 a month

How does Radcliff compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Rate of crime
  • Road safety
  • Off-street parking accessibility
  • Local laws
  • Total drivers

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Radcliff?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Radcliff.

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Radcliff Insurance FAQs

What factors affect car insurance quotes in Radcliff?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

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

Things like parking situations, local laws, 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 Radcliff?

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 Radcliff?

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 Radcliff 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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