Elizabethtown Auto Insurance Rates, Quotes, Agents & Reviews in KY

Elizabethtown, KY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elizabethtown, KY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Elizabethtown, KY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Elizabethtown, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Elizabethtown, KY with that of other cities in and around Elizabethtown.

Elizabethtown Hodgenville Vine Grove Radcliff Sonora Cecilia
Average Insurance Rates $1,491 $1,914 $1,947 $1,506 $1,910 $2,008

Elizabethtown, KY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Elizabethtown, KY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Elizabethtown $1,479 $1,249
Hardin County $1,522 $1,286
Cecilia $1,834 $1,549
Vine Grove $1,706 $1,441
Radcliff $1,225 $1,034
Hodgenville $1,609 $1,359
Sonora $1,691 $1,429
Fort Knox $1,622 $1,370

Elizabethtown, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Elizabethtown, KY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,838
20 Years $1,916
30 Years $1,476
40 Years $1,420
50 Years $1,315
60 Years $1,333
70 Years $1,552

Elizabethtown, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Elizabethtown, KY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,565 $417
3 Vehicles $3,847 $626
4 Vehicles $5,129 $835

Savings on 2 Vehicles bundle:$417

Savings on 3 Vehicles bundle:$626

Savings on 4 Vehicles bundle:$835


Elizabethtown, KY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elizabethtown, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Elizabethtown $1,271 $2,116
Hardin County $1,502 $2,501
Cecilia $2,008 $3,343
Vine Grove $1,947 $3,242
Radcliff $1,506 $2,507
Hodgenville $1,914 $3,187
Sonora $1,910 $3,180
Fort Knox $1,575 $2,622

Elizabethtown, KY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,279
Excellent (740-799) $1,460
Good (670-739) $1,554
Average (580-669) $2,027
Poor (300-579) $2,432

Elizabethtown, KY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$66 $1,557
Driver's Failure In Showing Documents +$145 $1,636
Driving With An Expired Registration +$154 $1,645
Driving At A Considerably Slow Pace +$324 $1,815
Using A Cellphone While Driving +$341 $1,832
Running A Red Light +$347 $1,838
Speeding +$365 $1,856
Driving A Vehicle Without The Required Permission +$464 $1,955
Driving With An Expired/Suspended License +$1,005 $2,496

Elizabethtown, KY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,431
Active Disabling Device $1,431
Tracking Device $1,402
Passive Disabling Device $1,387