Cheapest Auto Insurance in Elizabethtown, Kentucky (2024)

Getting car insurance in Elizabethtown, Kentucky, may cost more than you expect. The overall average cost of insurance in Elizabethtown is $232 per month, which is on par with the Kentucky state average of $221 but higher than the national average of $159.

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.

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.

Best insurer for optional coverages: Auto-Owners

Best insurer for customer satisfaction: State Farm

Best insurer for high-risk drivers: National General

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.

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Liability rates start as low as $73 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:

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 $278 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:

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]

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:

• 

  Uninsured/underinsured motorist coverage

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

• 

  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.

• 

  Collision coverage

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

• 

  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:

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.

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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:

Elizabethtown car insurance FAQs