Cheapest Auto Insurance in Elizabethtown, Kentucky (2024)

With monthly liability rates of $68, Auto-Owners is the cheapest car insurance company in Elizabethtown.

Emily Guy Birken
Emily Guy Birken
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Ashley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

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Updated May 23, 2024

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Cheapest recent rates near Elizabethtown, Kentucky

Drivers using Insurify have found quotes as cheap as $62/mo for liability only and $99/mo for full coverage in Elizabethtown and other Kentucky cities.

*Quotes generated for Insurify users in and around Elizabethtown, Kentucky within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Elizabethtown, Kentucky within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Getting car insurance in Elizabethtown, Kentucky, may cost more than you expect. The overall average cost of insurance in Elizabethtown is $248 per month, which is on par with the Kentucky state average of $225 but higher than the national average of $160.

Drivers in the Bluegrass State pay more than the national average in part because of the high number of uninsured motorists — nearly 14% of Kentucky drivers are uninsured.[1]

Here’s what you need to know about comparing car insurance rates and finding the cheapest policy in Elizabethtown for your needs.

Quick Facts
  • Elizabethtown drivers pay an average of $186 per month for liability coverage and $311 per month for full-coverage insurance.

  • Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Elizabethtown.

  • Full-coverage policies in Elizabethtown cost an average of $2,230 per year.

3 of the cheapest car insurance companies in Elizabethtown 

Since insurance companies use factors like gender, marital status, ZIP code, driving record, and credit history to set your premium prices, the cost of insurance varies between drivers. The level of coverage you choose also affects your rates.

Elizabethtown drivers may want to start their search with the insurers below. You can generally request a quote over the phone, by email, online, or by calling a local agent.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.3$99$62Optional coverages
State Farm4.6$103$65Customer satisfaction
National General3.4$119$76High-risk drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for optional coverages: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo

Founded in 1916, Auto-Owners has been offering affordable policies and generous discounts to its customers for more than 100 years. The company works entirely through independent insurance agents, which means Kentucky drivers interested in Auto-Owners coverage will work with a professional to find the right level of coverage.

Auto-Owners has an array of optional coverages, including additional expense coverage that helps you pay for incidentals if your car is damaged in an accident, loan or lease gap coverage, diminished value coverage, and rental car coverage.

Pros
  • Many discounts

  • Offers at-fault accident forgiveness

Cons
  • Quotes not available online; must work with an agent

  • Lower mobile app rating than some other insurers

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo

As one of the largest auto insurance companies by market share, State Farm is a well-known insurer that drivers in the Bluegrass State might choose for affordable rates and a variety of discounts and coverages. State Farm is highly ranked for customer satisfaction in the Southeast region by J.D. Power, with a score higher than the regional average for 2023.

This insurer also relies on insurance agents, which means you must contact a local State Farm agent to purchase a policy — although you can start a quote online.

Pros
  • High J.D. Power customer satisfaction ratings for the insurance-shopping process

  • Plenty of discounts

Cons
  • Can’t get a policy online

  • Doesn’t offer gap insurance

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for high-risk drivers: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$83/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$131/mo

For more than 100 years, National General has specialized in non-standard auto insurance for high-risk drivers. Insurance giant Allstate acquired National General in 2021, and the company now offers both standard and non-standard insurance, but it may still be a good option for Kentucky drivers with spotty records, a DUI, speeding tickets, or other traffic violations.

The insurer offers the opportunity to improve your rates by downloading DynamicDrive, a usage-based app that tracks your driving behavior and rewards safe driving. National General works through a network of local independent agents.

Pros
  • Offers insurance to drivers with a DUI

  • Up to $500 in emergency expenses, such as food and lodging, for a covered claim

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast region

  • Policies not available online

Read our National General review
Brandon - May 22, 2024
Verified

Expensive

I feel they are good but expensive.

Brian - May 20, 2024
Verified

Constantly Raising My Insurance Without Reason

The downside is that they raise my insurance every six months instead of decreasing it, and I'm tired of it. I'm considering switching insurance.

Roderick - May 20, 2024
Verified

Just Checking Prices

Just checking prices.

How to get the cheapest car insurance in Elizabethtown

The cost of your insurance policy will depend on a number of different factors, including the type of vehicle you drive, your driving history, and which coverage options you choose. While these factors are generally under your control, insurance companies also use factors to set rates that are out of your control, like your age, marital status, gender, and ZIP code.

This means the best price for you may not be the cheapest option for another driver. To find the best car insurance policies at lower rates, follow these strategies:[2]

  • Bundle insurance products. The cheapest car insurance companies may also offer home, life, business, and umbrella insurance, in addition to other insurance products. Many will offer you money-saving discounts when you bundle all your insurance coverage through the same company.

  • Increase your deductible. Raising your deductible means paying lower premiums. Just be aware that you’ll need enough money to cover the higher deductible cost if you get into a car accident and need to file a claim for property damage. 

  • Stay safe on the road. Not only is safe driving the best policy for keeping your insurance premiums low, but it also offers peace of mind.

  • Shop around. The same insurance coverage doesn’t cost the same amount from one insurer to the next. Getting auto insurance quotes from multiple companies can ensure you find the best coverage and savings for your situation.

Find Cheap Car Insurance in Elizabethtown

Liability rates start as low as $68 per month

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Cheapest liability-only car insurance in Elizabethtown: Auto-Owners

Liability-only car insurance covers the cost to repair or replace another party’s vehicle and their associated medical bills if you’re at fault in an accident. It doesn’t pay for damage to your car or for your medical costs if you cause an accident.

The average cost of liability-only coverage in Elizabethtown is $186 per month.

To find cheap liability-only options, consider the following insurers:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners68
State Farm70
GEICO80
National General83
USAA87
Safeco89
Allstate103
State Auto104
Travelers114
Progressive116
Clearcover122
Liberty Mutual125
Midvale Home & Auto129
Nationwide150
CSAA171
Shelter184
Bristol West192
The General277
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Elizabethtown: Auto-Owners

Drivers who want additional coverage on top of their liability policy may want to check out full-coverage car insurance. This kind of policy includes collision coverage, which pays for property damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for damage to your vehicle from things other than a collision, such as weather, vandalism, animal damage, or theft.

Elizabethtown drivers pay a monthly average of $311 for full-coverage insurance.

While full-coverage insurance isn’t required by law, your lender will probably require you to get this coverage if you finance or lease a car. To find an inexpensive full-coverage policy, consider one of these insurance companies:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners109
State Farm113
GEICO127
National General131
USAA138
Safeco148
Allstate164
State Auto179
Travelers182
Progressive185
Clearcover190
Nationwide212
Midvale Home & Auto216
Liberty Mutual239
CSAA258
Shelter294
Bristol West382
The General469
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Kentucky

Kentucky is an at-fault state, which means the person responsible for causing an accident is the one whose insurance will pay for the damages. Additionally, Kentucky is a pure comparative fault state. This rule specifies that if multiple people share fault in an accident — even if one person is 99% at fault and the other is 1% at fault — either party can sue the other for damages.

Here are the minimum liability insurance requirements in Kentucky:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Kentucky drivers aren’t required to carry more than the above coverages, but making policy changes to increase coverage limits for bodily injury and property damage liability can help drivers and their families protect themselves.

You may also want to consider adding these types of insurance to your auto insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage will pay for your damages if you’re in a collision with an uninsured driver.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection coverage

    PIP insurance will pay for your medical costs after an accident, no matter who’s at fault. This may be especially important if you don’t have sufficient health insurance.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Collision insurance pays for damages to your vehicle if you cause an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If anything other than an accident damages your vehicle — such as weather, fire, or vandalism — comprehensive insurance will pay for the repairs.

Cheapest car insurance for drivers with an incident

Insurers consider incidents like speeding tickets, at-fault accidents, and DUIs to be negative marks on your driving record, which can make it more difficult to find affordable insurance. Knowledge of these kinds of incidents is one of the tools insurers use to set your premium rates since data has shown that drivers with an incident on their record are more likely to make a future insurance claim.

But even though drivers with an incident may pay more than people with a clean driving record, it’s still possible to find cheap insurance after a ticket, an accident, or a DUI. Consider calling a licensed representative from one of the following insurance companies to get a quote:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners688788111
State Farm708991114
GEICO80102105130
National General83117108135
USAA87111113141
Safeco89116112145
Allstate103131134167
State Auto104145150169
Travelers114147150185
Progressive116149154189
Clearcover122157169198
Liberty Mutual125176178203
Midvale Home & Auto129170178210
Nationwide150193197244
CSAA171225234278
Shelter184245250299
Bristol West192243246312
The General277358368450
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Young drivers pay the highest insurance rates, with premium costs going down around age 35. That’s partially because teen and young adult drivers have less experience behind the wheel, but younger drivers are also more likely to engage in risky behavior, like checking text messages while driving, compared to older drivers.

While rates generally go down after age 35 and continue trending downward, insurers may increase prices for senior drivers after age 70. Older drivers often have delayed reaction times compared to younger adults, and they may spend more money on insurance.

Here’s how much each age range pays per month for auto insurance in Elizabethtown, on average.

AgeAverage Monthly Quote
Teens$431
20s$295
30s$216
40s$201
50s$193
60s$189
70s$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Elizabethtown, KY

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Elizabethtown car insurance quotes by credit tier

Auto and home insurance companies in Kentucky are allowed to use your credit history to help set your premium rate. Such rating based on credit score can’t legally be the sole basis of the insurance company’s pricing, but people with poor credit scores generally have higher monthly premium rates than people with good or excellent credit.

The chart below shows average monthly quotes per credit tier in Elizabethtown:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Elizabethtown car insurance FAQs

Check out the additional information below as you shop for car insurance coverage in Elizabethtown, Kentucky.

  • How much is car insurance in Elizabethtown?

    Car insurance in Elizabethtown costs an average of $186 per month for liability coverage and $311 per month for full-coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Elizabethtown?

    Auto-Owners has the cheapest car insurance in Elizabethtown, with monthly liability-only rates of $68. State Farm and GEICO also have affordable coverage, with respective liability-only rates of $70 and $80 per month.

    But the cheapest car insurance company for you will depend on multiple factors, including your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Elizabethtown?

    State Farm is the best car insurance company in Elizabethtown. It has an IQ Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and affordable rates.

    Other top insurers in the city include Auto-Owners and National General.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. Insurance Information Institute. "https://www.iii.org/article/how-can-i-save-money-auto-insurance."
  3. Kentucky Transportation Cabinet. "Mandatory Insurance."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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