Radcliff, KY Car Insurance

The average monthly cost for car insurance in Radcliff is about $124. For more information refer to our guide below.
Compared to their surrounding area, how do rates in Radcliff stack up? What about against the rest of Kentucky? What can Radcliff residents 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 Radcliff?

Area Average Monthly Car Insurance Premium
Radcliff$124
KY$132
United States$81

Auto insurance coverage in Radcliff is about $8 cheaper than it is in the rest of Kentucky.

That being said residents of Radcliff might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Radcliff is about $43 more expensive than the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 worry, we've done the work for you and broken down the average rates for Radcliff to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, 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$234
25-34$117
35-44$116
45-54Not Enough Data
55-64$93
65+$109

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $125 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Radcliff may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$121
Female$126

Although women typically pay less than men do for auto insurance, this is not the case in Radcliff, where female drivers pay around $5 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$164
Multiple Accidents$135
1 Ticket$122
Multiple Tickets$139

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Radcliff with a single accident will pay around $164 a month. In addition, drivers with one ticket can expect to pay around $122 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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 Year$118
2-3 Years$144
4-5 Years$121
6-7 Years$117
8-10 Years$128
11-14 Years$118
15 Years or Older$129

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Radcliff, with drivers paying around $102 per month for insurance.

SUV drivers will see rates of about $129 for car insurance coverage, while car owners by and large pay around $127 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Radcliff are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$126
Married$123
Divorced$100

More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

Despite the national trend of married drivers saving more than single drivers, the rates for both in Radcliff are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$115
Rent$127
Live with parents$129

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $12 a month more than homeowners in Radcliff. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Radcliff, KY

Recent trends in car insurance for Radcliff drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Auto insurance rates in Radcliff decreased from 2017-2018, when they hit a low of $108. This pattern changed in 2021, when they began to rise, and have continued to do so through 2022, when policy premiums reached a high of $162 per month.

How does Radcliff compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Off-street parking availability
  • Local regulations
  • Crime rates
  • Road Safety (how many accidents each locality has)
  • Amount of drivers

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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Radcliff?

While knowing 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.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Radcliff.

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Radcliff Insurance FAQs

What factors affect car insurance quotes in Radcliff?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Radcliff 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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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