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How much is car insurance in Scottsville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Scottsville is about $42 cheaper than it is in the rest of Kentucky.
Drivers relocating the Scottsville should take note of the differences in average rates. It's about $10 more for coverage in Scottsville than in the rest of the U.S.
While these are the average car insurance rates for Scottsville, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Scottsville residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
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 age in Scottsville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Scottsville is around $9 per month. As you can see in the chart above, car insurance for women in the area typically costs around $86 each month, while men pay $95 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Scottsville with a single accident on their record will usually see rates around $82 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $191.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|4-5 Years||Not Enough Data|
|15 Years or Older||$82|
As you can see in the first table above, the cheapest vehicles to insure in Scottsville are usually trucks and vans, which run about $84 per month.
Car owners can expect to pay an average of around $89 a month for their policy, while SUVs usually cost around $96 a month to insure.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Scottsville are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Scottsville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $27 a month more than if you own your own home in Scottsville. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Scottsville, KY
Recent trends in car insurance for Scottsville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Scottsville, car insurance rates increased from 2015-2018, before declining from 2019-2020. They finished up in 2021, at $88.
How does Scottsville compare to neighboring areas?
Why are car insurance rates in Scottsville different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Local laws
- Road safety
- Total amount of drivers in the community
- Crime levels
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Scottsville?
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.
But wait! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Scottsville in no time.
Scottsville Insurance FAQs
What factors affect car insurance quotes in Scottsville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Scottsville 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 Scottsville?
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 Scottsville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Scottsville 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.