Buy Cheap Elizabethtown, KY Auto Insurance in 2024
Elizabethtown, KY auto insurance rates average $343 a month. Minimum auto insurance requirements in Elizabethtown, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Elizabethtown, KY, compare Elizabethtown auto insurance quotes from top companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Elizabethtown is Allstate
- Average auto insurance rates in Elizabethtown, KY are $343/month
- The most expensive auto insurance company in Elizabethtown after a DUI is Geico
Finding affordable Elizabethtown, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Elizabethtown, KY auto insurance with confidence is right here. Auto insurance rates in Elizabethtown are affected by local factors as well as personal ones like your driving record.
See how Elizabethtown, KY car insurance rates compare to Richmond auto insurance rates, Henderson auto insurance rates, and Florence auto insurance rates before you read more about the cost of auto insurance in Elizabethtown.
Don’t buy Elizabethtown, KY auto insurance until you’ve compared rates. Get free Elizabethtown, Kentucky auto insurance quotes when you enter your ZIP code above.
Elizabethtown, KY Minimum Auto Insurance Requirements
The required auto insurance in Elizabethtown, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Elizabethtown, Kentucky is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Elizabethtown, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Elizabethtown, KY. Take a look at Elizabethtown, Kentucky auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,202 | $4,975 | $4,142 |
| Geico | $6,740 | $3,365 | $2,191 |
| Liberty Mutual | $7,322 | $4,502 | $3,555 |
| Nationwide | $5,136 | $4,037 | $3,508 |
| Progressive | $4,714 | $4,114 | $3,838 |
| State Farm | $3,557 | $2,159 | $1,691 |
| Travelers | $5,352 | $4,533 | $4,516 |
| USAA | $3,822 | $2,158 | $1,764 |
Buy Cheap Elizabethtown, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Elizabethtown, Kentucky auto insurance rates? Find out how car insurance rates in Elizabethtown, KY are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,099 | $3,060 | $2,812 | $2,996 | $11,562 | $12,983 | $3,411 | $3,594 |
| Geico | $3,245 | $3,002 | $3,407 | $3,086 | $6,937 | $8,194 | $2,647 | $2,272 |
| Liberty Mutual | $2,795 | $3,029 | $2,379 | $2,659 | $11,486 | $12,704 | $2,922 | $3,036 |
| Nationwide | $3,035 | $3,029 | $2,745 | $2,862 | $6,743 | $8,373 | $3,436 | $3,593 |
| Progressive | $2,035 | $1,939 | $1,826 | $1,835 | $9,871 | $11,166 | $2,523 | $2,579 |
| State Farm | $1,549 | $1,549 | $1,387 | $1,387 | $4,515 | $5,722 | $1,726 | $1,917 |
| Travelers | $2,065 | $2,102 | $2,023 | $2,030 | $9,796 | $15,747 | $2,154 | $2,487 |
| USAA | $1,732 | $1,730 | $1,576 | $1,596 | $4,620 | $4,855 | $2,173 | $2,370 |
Buy Cheap Elizabethtown, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Elizabethtown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elizabethtown, KY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,562 | $12,983 |
| Geico | $6,937 | $8,194 |
| Liberty Mutual | $11,486 | $12,704 |
| Nationwide | $6,743 | $8,373 |
| Progressive | $9,871 | $11,166 |
| State Farm | $4,515 | $5,722 |
| Travelers | $9,796 | $15,747 |
| USAA | $4,620 | $4,855 |
Buy Cheap Elizabethtown, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Elizabethtown, Kentucky by comparing Elizabethtown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elizabethtown, KY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,812 | $2,996 |
| Geico | $3,407 | $3,086 |
| Liberty Mutual | $2,379 | $2,659 |
| Nationwide | $2,745 | $2,862 |
| Progressive | $1,826 | $1,835 |
| State Farm | $1,387 | $1,387 |
| Travelers | $2,023 | $2,030 |
| USAA | $1,576 | $1,596 |
Find Cheap Auto Insurance Rates in Elizabethtown, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Elizabethtown, Kentucky auto insurance. Compare Elizabethtown, KY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,036 | $5,417 | $5,866 |
| Geico | $3,836 | $4,094 | $4,367 |
| Liberty Mutual | $4,888 | $5,095 | $5,396 |
| Nationwide | $4,276 | $4,178 | $4,227 |
| Progressive | $3,889 | $4,170 | $4,606 |
| State Farm | $2,304 | $2,464 | $2,639 |
| Travelers | $4,547 | $4,821 | $5,032 |
| USAA | $2,442 | $2,575 | $2,728 |
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Find Cheap Elizabethtown, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Elizabethtown. Compare auto insurance rates in Elizabethtown, KY by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,440 | $5,440 |
| Geico | $4,060 | $4,137 |
| Liberty Mutual | $5,126 | $5,126 |
| Nationwide | $4,227 | $4,227 |
| Progressive | $4,222 | $4,222 |
| State Farm | $2,408 | $2,530 |
| Travelers | $4,800 | $4,800 |
| USAA | $2,485 | $2,678 |
Find Cheap Elizabethtown, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Elizabethtown, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elizabethtown, KY, take a look at the average cost for various violations versus rates for a clean driving record in Elizabethtown.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,504 | $5,882 | $6,286 | $5,087 |
| Geico | $2,442 | $4,345 | $6,617 | $2,992 |
| Liberty Mutual | $4,278 | $6,573 | $5,111 | $4,543 |
| Nationwide | $3,361 | $4,347 | $5,499 | $3,701 |
| Progressive | $3,494 | $5,167 | $3,983 | $4,243 |
| State Farm | $2,262 | $2,676 | $2,469 | $2,469 |
| Travelers | $4,192 | $4,312 | $6,208 | $4,490 |
| USAA | $1,951 | $2,749 | $3,277 | $2,349 |
Find Cheap Elizabethtown, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Elizabethtown, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Elizabethtown for less when you shop around and compare rates from multiple Elizabethtown, KY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,286 |
| Geico | $6,617 |
| Liberty Mutual | $5,111 |
| Nationwide | $5,499 |
| Progressive | $3,983 |
| State Farm | $2,469 |
| Travelers | $6,208 |
| USAA | $3,277 |
Winners by Category: Where to Buy Cheap Auto Insurance in Elizabethtown, KY
Compare rates from the cheapest auto insurance companies in Elizabethtown, KY for your needs. Take a look at how Elizabethtown, Kentucky auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Elizabethtown, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Elizabethtown, KY auto insurance companies overall, you can compare them here. Find the best price for Elizabethtown, Kentucky car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,440 |
| Geico | $4,099 |
| Liberty Mutual | $5,126 |
| Nationwide | $4,227 |
| Progressive | $4,222 |
| State Farm | $2,469 |
| Travelers | $4,800 |
| USAA | $2,582 |
What affects Elizabethtown, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Elizabethtown, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Elizabethtown auto insurance rates.
Commute Times in Elizabethtown
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elizabethtown, KY is 18.6 minutes according to City-Data.
Compare Auto Insurance Quotes in Elizabethtown, KY
You can buy cheap Elizabethtown, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elizabethtown, Kentucky auto insurance quotes from top companies.
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Frequently Asked Questions
Can I find cheap auto insurance in Elizabethtown, KY?
Yes, it is possible to find cheap auto insurance in Elizabethtown, KY. Insurance rates can vary among different providers, so it’s important to compare quotes from multiple companies to find the most affordable options. Factors such as your driving record, the type of vehicle you drive, your age, and your coverage needs can influence the cost of your auto insurance premium.
What factors affect the cost of auto insurance in Elizabethtown, KY?
Several factors can affect the cost of auto insurance in Elizabethtown, KY. These include:
- Your driving record: Drivers with a clean driving history generally pay lower premiums.
- Vehicle make and model: The type of vehicle you drive can impact your insurance rates, as some vehicles are more expensive to repair or are considered higher risk.
- Age and gender: Younger drivers, especially teenagers, and male drivers often face higher insurance rates due to statistical risk factors.
- Coverage limits and deductibles: The level of coverage and deductible you choose can affect your premium. Higher coverage limits and lower deductibles generally result in higher premiums.
- Location: Where you live can impact insurance rates. Factors such as the frequency of accidents and vehicle thefts in your area can affect your premium.
What types of coverage should I consider for my auto insurance in Elizabethtown, KY?
When purchasing auto insurance in Elizabethtown, KY, it’s important to consider the following types of coverage:
- Liability coverage: This covers bodily injury and property damage you may cause to others in an accident.
- Collision coverage: This covers damage to your own vehicle in the event of a collision.
- Comprehensive coverage: This covers damage to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This provides protection if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Medical payments coverage: This covers medical expenses for you and your passengers regardless of who is at fault.
- Personal injury protection (PIP): This provides coverage for medical expenses, lost wages, and other related costs resulting from an accident.
Are there any discounts available to help lower the cost of auto insurance in Elizabethtown, KY?
Yes, many insurance companies offer discounts that can help lower the cost of auto insurance in Elizabethtown, KY. Common discounts include:
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good driver discount: If you have a clean driving record without any accidents or violations, you may qualify for a discount.
- Good student discount: Full-time students with good grades can often receive a discount on their auto insurance.
- Safety features discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a discount.
- Low mileage discount: If you drive fewer miles than the average driver, you may qualify for a discount.
How can I get a cheap auto insurance quote in Elizabethtown, KY?
To get a cheap auto insurance quote in Elizabethtown, KY, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Provide accurate information: When requesting quotes, ensure that the information you provide is accurate and complete.
- Adjust coverage limits and deductibles: Consider adjusting your coverage limits and deductibles to find a balance between affordability and adequate protection.
- Inquire about discounts: Ask insurance providers about available discounts that you may qualify for.
- Consider usage-based insurance: Some insurance companies offer usage-based insurance programs that use telematics devices or mobile apps to track your driving habits. If you have safe driving habits, you may be eligible for discounted rates.
- Maintain a good driving record: Practice safe driving habits to maintain a clean driving record, which can help lower your insurance premiums over time.
- Review your policy annually: Regularly review your auto insurance policy and compare rates from different providers to ensure you’re still getting the best price.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.