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Cheap Auto Insurance Quotes in Elizabethtown, KY (January 2022)
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Last Updated: January 2022
Car Insurance in Elizabethtown, KY
The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Elizabethtown, KY to find you the cheapest quotes in the area.
$41
$85
$124
$167
$245
ProgressiveState FarmAllstateTravelersThe General
See More: Cheap Car Insurance Kentucky
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Cheapest Car Insurance in Elizabethtown, KY
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Elizabethtown | |
|---|---|
Progressive | $41/mo |
 State Farm | $85/mo |
 Allstate | $124/mo |
 Travelers | $167/mo |
 The General | $245/mo |
Average Car Insurance Cost
| Louisville | $273/mo |
| Bowling Green | $155/mo |
| Owensboro | $137/mo |
| Covington | $148/mo |
| Elizabethtown | $132/mo |
| Kentucky | $169/mo |
$169
$273
$155
$137
$148
$132
KentuckyLouisvilleBowling GreenOwensboroCovingtonElizabethtown
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Elizabethtown, KY Driving Facts
Minimum Car Insurance Requirements in KY
All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $10,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Find local Elizabethtown agents
Curneal & Hignite Insurance
410 Ring Road, Elizabethtown, KY 42701
Skees & Shipp Insurance
1793 Leitchfield Road, Elizabethtown, KY 42701
Burris Insurance Agency, Inc.
240 W. Dixie Ave - Suite 101, Elizabethtown, KY 42701-1586
Chris Grinstead: Allstate Insurance
4000 N Dixie Hwy Ste 4, Elizabethtown, KY 42701
Olsommer Clarke Insurance Group, Inc
1609 N Dixie Hwy #116, Elizabethtown, KY 42701
Duff Insurance Agency - Jacob Hazle, Agent
620 Westport Rd, Elizabethtown, KY 42701
Bluegrass Insurance Services
620 Westport Rd STE C, Elizabethtown, KY 42701
Jones Insurance
910 W Dixie Ave, Elizabethtown, KY 42701
Mike Wyman - State Farm Insurance Agent
2801 Ring Rd, Elizabethtown, KY 42701
Kentucky Farm Bureau Insurance Hardin County - Elizabethtown
2915 Ring Rd, Elizabethtown, KY 42701
Insurify Insights: How Elizabethtown Drivers Measure Up
Elizabethtown, KY
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Elizabethtown drivers measure up to their fellow Kentucky motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Elizabethtown
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Elizabethtown drivers rank 26 in the number of car accidents per driver across all cities in Kentucky.
- Rank within state: #26
- Percent of drivers in Elizabethtown with an accident: 7.3%
- Drivers in Elizabethtown, KY with an accident in their driving history paid on average 35.94% more than drivers with a clean record
Speeding in Elizabethtown
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Elizabethtown drivers rank 21 in the number of speeding infractions per driver.
- Rank within state: #21
- Percent of drivers in Elizabethtown with a speeding ticket: 7.47%
- Drivers in Elizabethtown, KY with a speeding ticket in their driving history paid on average 54.17% more than drivers with a clean record
DUI/DWIs in Elizabethtown
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Elizabethtown drivers rank 35 in the number of DUI’s per driver across all cities in Kentucky.
- Rank within state: #35
- Percent of drivers in Elizabethtown with a DUI: 1.7%
- Drivers in Elizabethtown, KY with a DUI in their driving history paid on average -98.44% more than drivers with a clean record
Most Popular Vehicle in Elizabethtown
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Elizabethtown is the Ford Fusion.
Rude Drivers in Elizabethtown
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Elizabethtown drivers rank 13 in rude driving infractions.
- Rank within state: #13
- Percent of drivers in Elizabethtown with a reckless driving violation: 0.85%
- Drivers in Elizabethtown, KY with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.
Safest Drivers in Elizabethtown
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Elizabethtown drivers rank 4 in clean driving records across all cities in Kentucky.
- Rank within state: #4
- Percent of drivers in Elizabethtown with clean record: 85.23%
Failure to Yield the Right of Way in Elizabethtown
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Elizabethtown drivers rank 12 in failure to yield violations per driver across all cities in Kentucky.
- Rank within state: #12
- Percent of drivers in Elizabethtown with a failure to yield violation: --%
- Drivers in Elizabethtown, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Elizabethtown
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Elizabethtown drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Elizabethtown with a reckless driving offense: 0.17%
Hybrid/Electric Vehicle Ownership in Elizabethtown
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Elizabethtown drivers rank 26 in hybrid and electric vehicle ownership across all cities in Kentucky.
- Rank within state: #26
- Percent of drivers in Elizabethtown with a hybrid/electric vehicle: 0.23%
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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