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How much is car insurance in Scottsville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $34 a month cheaper to insure your vehicle in Scottsville than it is in the rest of Kentucky.
On the flip side, residents of Scottsville might expect to pay higher rates for coverage than the rest of the country. It's around $17 more expensive for coverage in Scottsville than the average rates seen in the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Scottsville, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But worry not, we've done the heavy lifting and broken down the average rate for Scottsville 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 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Scottsville.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance coverage, in Scottsville men actually pay $93 per month for coverage while women pay $101.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Scottsville, drivers with one accident on their record will experience rates around $148 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $169.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$92|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Scottsville, with drivers paying around $90 per month to insure their vehicle.
SUV drivers will see rates of about $113 for insurance coverage, while car owners typically pay around $96 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Scottsville are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Scottsville, the difference in rates based on relationship status can be as much as $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Another factor taken into consideration is your housing status. Renters can expect to pay around $31 a month more than drivers who own property in Scottsville. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Scottsville, KY
Recent trends in car insurance for Scottsville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Scottsville, auto insurance rates increased from 2017-2018, before trending downward from 2019-2020. They finished down in 2022, at $94.
How does Scottsville compare to neighboring areas?
Why are car insurance rates in Scottsville different from other areas?
Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total number of drivers in the community
- Community laws
- Off-street parking accessibility
- Crime rates
- Road Safety (how many accidents each locality has)
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Scottsville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Scottsville in no time.
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Scottsville Insurance FAQs
What factors affect car insurance quotes in Scottsville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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?
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 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.
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