Shepherdsville, KY Car Insurance

On average, Shepherdsville drivers pay a monthly average rate of around $124 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How do rates in Shepherdsville measure up compared to neighboring areas, including Kentucky as a whole? What rates should residents of Shepherdsville 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 Shepherdsville?

Area Average Monthly Car Insurance Premium
Shepherdsville$124
KY$132
United States$80

Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Shepherdsville than it is in the rest of Kentucky.

On the other hand, Shepherdsville residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $44 more expensive than the national average to insure your vehicle in Shepherdsville.

While these are the average monthly costs for auto insurance coverage in Shepherdsville, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium 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 Shepherdsville 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 Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$195
25-34$127
35-44$108
45-54Not Enough Data
55-64$96
65+$105

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

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

Average Car Insurance Rates by Gender

Gender Average
Male$124
Female$125

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Shepherdsville, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$147
Multiple Accidents$155
1 Ticket$157
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Shepherdsville, a driving record with a single accident will usually get you a rate around $147 a month. In addition, drivers with a single ticket on their record can expect to pay around $157 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$69
2-3 Years$121
4-5 Years$133
6-7 Years$116
8-10 Years$127
11-14 Years$144
15 Years or Older$111

The cheapest vehicles to insure in Shepherdsville are by and large SUVs, with each type typically costing about $114 per month.

Car owners, on the other hand, usually pay around $129 per month, while truck and van drivers can expect to pay about $117 a month for insurance coverage.

The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Shepherdsville, 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)$130
Married$114
Divorced$113
Widowed$104

Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Shepherdsville follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$119
Rent$118
Live with parents$204

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Shepherdsville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 car insurance premiums.

Car Insurance Companies in Shepherdsville, KY

Recent trends in car insurance for Shepherdsville 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.

The cost of car insurance coverage in Shepherdsville declined from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $137.

How does Shepherdsville compare to neighboring areas?

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

Car insurance companies take in several factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking availability
  • Road Safety (frequency of local car accidents)
  • Number of drivers in the community
  • Crime levels
  • Laws

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. With the knowledge 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 Shepherdsville?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Shepherdsville.

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Shepherdsville Insurance FAQs

What factors affect car insurance quotes in Shepherdsville?

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 Shepherdsville different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Shepherdsville?

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 Shepherdsville?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Shepherdsville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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