Cheap Auto Insurance Quotes in Hopkinsville, KY (2021)

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Car Insurance in Hopkinsville, 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 Hopkinsville, KY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$40
$110
$128
$162
$212
ProgressiveAllstateState FarmTravelersThe General
Monthly $

Cheapest Car Insurance in Hopkinsville, KY

Here are the cheapest carriers in Hopkinsville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$175
$273
$155
$137
$148
$160
KentuckyLouisvilleBowling GreenOwensboroCovingtonHopkinsville
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Hopkinsville, KY Driving Facts

kentucky

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 Hopkinsville agents

Harbor Insurance Agency, LLC
307 North Drive, Hopkinsville, KY 42240
Tatum-Hester & Burkhead Ins Inc
108 N. Main Street, Hopkinsville, KY 42240
Raymond Nelson Insurance Agency, Inc
3205 Lafayette Road, Hopkinsville, KY 42240-3815
Center of Insurance - Hopkinsville
1300 Liberty St, Hopkinsville, KY 42240-3571
Higgins Insurance, Inc.
4057 Lafayette Road, Hopkinsville, KY 42240
Pollock-Christian County Insurance
710 W 15th St, Hopkinsville, KY 42240
Kentucky Farm Bureau Insurance Christian County - Central
215 E 21st St, Hopkinsville, KY 42241
Shelter Insurance - Scott Leuckel
809 Country Club Ln Ste B, Hopkinsville, KY 42240
Steve Crisp - State Farm Insurance Agent
3247 Lafayette Rd, Hopkinsville, KY 42240
Northtrust Insurance
305 North Dr, Hopkinsville, KY 42240

Insurify Insights: How Hopkinsville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Hopkinsville, KY
suspended licenses
#42
Cities with Most
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 Hopkinsville 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 Hopkinsville

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. Hopkinsville drivers rank 22 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #22
  • Percent of drivers in Hopkinsville with an accident: 7.53%
  • Drivers in Hopkinsville, KY with an accident in their driving history paid on average 31.52% more than drivers with a clean record

Speeding Hopkinsville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Hopkinsville drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Hopkinsville with a speeding ticket: 8.24%
  • Drivers in Hopkinsville, KY with a speeding ticket in their driving history paid on average 23.91% more than drivers with a clean record

DUI/DWIs Hopkinsville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hopkinsville drivers rank 24 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #24
  • Percent of drivers in Hopkinsville with a DUI: 2.33%
  • Drivers in Hopkinsville, KY with a DUI in their driving history paid on average 34.24% more than drivers with a clean record

Most Popular Vehicle Hopkinsville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hopkinsville is the Nissan Altima.

Rude Hopkinsville

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, Hopkinsville drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Hopkinsville with a reckless driving violation: 0.9%
  • Drivers in Hopkinsville, KY with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Hopkinsville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hopkinsville drivers rank 6 in clean driving records across all cities in Kentucky.

  • Rank within state: #6
  • Percent of drivers in Hopkinsville with clean record: 84.59%

Failure to Yield the Right of Way Hopkinsville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hopkinsville drivers rank 7 in failure to yield violations per driver across all cities in Kentucky.

  • Rank within state: #7
  • Percent of drivers in Hopkinsville with a failure to yield violation: 0.18%
  • Drivers in Hopkinsville, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Hopkinsville

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, Hopkinsville drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Hopkinsville with a reckless driving offense: 0.18%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.