Cheapest Auto Insurance in Elizabethtown, Kentucky (2024)
With monthly liability rates of $65, Auto-Owners is the cheapest car insurance company in Elizabethtown.
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Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Updated October 30, 2024
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Table of contents
Getting car insurance in Elizabethtown, Kentucky, may cost more than you expect. The overall average cost of insurance in Elizabethtown is $254 per month, which is on par with the Kentucky state average of $250 but higher than the national average of $158.
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 $190 per month for liability coverage and $318 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 $2,275 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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $104 | $59 | Optional coverages |
| State Farm | 9.3 | $109 | $61 | Customer satisfaction |
| National General | 6.8 | $122 | $76 | High-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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for optional coverages: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| 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. | $65/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. | $105/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 more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for customer satisfaction: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| 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 |
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 more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for high-risk drivers: National General
National GeneralCompare personalized, real-time quotes
| User Reviews | 2.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8/10 |
| 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. | $81/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. | $125/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 more driver reviews of National General
Hungwah - October 29, 2024
Verified
Try a few other companies, but the prices quoted were not competitive
If I can find a cheaper rate, I will switch.
Tasha - October 28, 2024
Verified
Review of Current Insurance
They are not a good company to get insurance with. I've never heard of a company not including towing in their insurance and still charging a lot for liability insurance.
Jean - October 28, 2024
Verified
Information Provided Upon Disaster
There is no transparency. NG is layered in different companies that do not provide answers, but point to each other. It is a shell game. Very disappointed.
…
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 $65 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 $190 per month.
To find cheap liability-only options, consider the following insurers:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $65 |
| State Farm | $68 |
| GEICO | $78 |
| National General | $81 |
| USAA | $84 |
| Safeco | $95 |
| Allstate | $99 |
| State Auto | $100 |
| Travelers | $109 |
| Progressive | $112 |
| Clearcover | $121 |
| Liberty Mutual | $124 |
| Midvale Home & Auto | $126 |
| Nationwide | $145 |
| CSAA | $160 |
| Shelter | $176 |
| Bristol West | $188 |
| The General | $265 |
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 $318 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $105 |
| State Farm | $109 |
| GEICO | $124 |
| National General | $125 |
| USAA | $135 |
| Safeco | $153 |
| Allstate | $159 |
| State Auto | $175 |
| Travelers | $177 |
| Progressive | $180 |
| Clearcover | $204 |
| Midvale Home & Auto | $209 |
| Nationwide | $233 |
| Liberty Mutual | $238 |
| CSAA | $241 |
| Shelter | $286 |
| Bristol West | $378 |
| The General | $437 |
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 recent rates near Elizabethtown, Kentucky
Recent Elizabethtown, Kentucky car insurance prices for Toyota, KIA, Jeep , and more.
*Quotes generated for Insurify users in and around Elizabethtown, Kentucky within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum 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:
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:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $65 | $83 | $87 | $106 |
| State Farm | $68 | $86 | $90 | $110 |
| GEICO | $78 | $99 | $104 | $127 |
| National General | $81 | $104 | $108 | $132 |
| USAA | $84 | $107 | $112 | $136 |
| Safeco | $95 | $123 | $123 | $154 |
| Allstate | $99 | $126 | $132 | $161 |
| State Auto | $100 | $138 | $146 | $162 |
| Travelers | $109 | $140 | $146 | $177 |
| Progressive | $112 | $142 | $151 | $182 |
| Clearcover | $121 | $156 | $173 | $197 |
| Liberty Mutual | $124 | $171 | $177 | $201 |
| Nationwide | $145 | $186 | $195 | $236 |
| CSAA | $160 | $208 | $221 | $260 |
| Shelter | $176 | $233 | $244 | $286 |
| Bristol West | $188 | $239 | $248 | $305 |
| The General | $265 | $341 | $358 | $431 |
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.
Age ▲▼ | Average 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 $190 per month for liability coverage and $318 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 $65. State Farm and GEICO also have affordable coverage, with respective liability-only rates of $68 and $78 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 9.3 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
- 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.
Related articles
More cities in Kentucky
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "https://www.iii.org/article/how-can-i-save-money-auto-insurance."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
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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.
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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