Shepherdsville, KY Car Insurance

Residents of Shepherdsville pay, on average, about $132 per month for car insurance. For more information refer to our guide below.
How does Shepherdsville stack up to the rest of the area, or even Kentucky as a whole? What rates should residents of Shepherdsville expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Shepherdsville?

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

Looking at the chart above, you can see that the average monthly price in Shepherdsville is in line with pricing for the rest of Kentucky.

Residents of Shepherdsville might expect to pay higher rates for coverage than the rest of the country. It's around $51 more expensive to insure your vehicle in Shepherdsville compared to the average rate for the rest of the U.S.

Bear in mind that while these rates are the average costs for Shepherdsville residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 even your credit score depending on the circumstances.

We've analyzed the average rate for Shepherdsville and broken down the different factors to help you understand what your policy's monthly premium will be. 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$217
25-34$129
35-44$121
45-54$109
55-64$94
65+$105

Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

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

Average Car Insurance Rates by Gender

Gender Average
Male$127
Female$137

Although women typically pay less than men do for auto insurance, this is not the case in Shepherdsville, where female drivers pay around $10 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$163
Multiple Accidents$148
1 Ticket$179
Multiple Tickets$335

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Shepherdsville with a single accident on their record will usually see rates around $163 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $179.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$69
2-3 Years$126
4-5 Years$143
6-7 Years$115
8-10 Years$147
11-14 Years$146
15 Years or Older$121

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Shepherdsville, with drivers paying around $118 per month for auto insurance.

Car owners, on the other hand, usually pay around $137 per month, while truck and van drivers can expect to pay about $130 a month to insure their vehicle.

Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Shepherdsville, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$140
Married$113
Divorced$111
Widowed$104

On average, people who are married 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 Shepherdsville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$117
Rent$132
Live with parents$200

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Shepherdsville, expect to pay around $15 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Shepherdsville, KY

Recent trends in car insurance for Shepherdsville drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Auto insurance rates in Shepherdsville went up from 2017-2018, before leveling out in 2019. Insurance rates had been increasing again recently, reaching a high of $208 in 2022.

How does Shepherdsville compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you live. These factors include things like:

  • Regional regulations
  • Road safety
  • Rate of crime
  • Off-street parking access
  • Number of drivers in the region

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 Shepherdsville?

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

Luckily, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Shepherdsville in no time.

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Shepherdsville Insurance FAQs

What factors affect car insurance quotes in Shepherdsville?

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

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

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Shepherdsville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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