Car Insurance in Elizabethtown, Kentucky
Estimated full coverage in Elizabethtown runs about $1,390 a year ($116/month) — ▲ +4% versus the Kentucky average, ranking 8th most expensive of the 8 Kentucky cities we cover.
- Per month
- $116
- vs. Kentucky average ($1,340)
- +4%
- vs. U.S. average ($1,590)
- −13%
- State-minimum coverage
- $550/yr
- Minimum liability
- 25/50/25
- Insurance offices nearby
- 13
Why car insurance in Elizabethtown costs more than the Kentucky average
Insurers price by territory, and Elizabethtown's numbers explain most of the gap. With 34,565 residents on 28.0 square miles, the city's density (1,234 people per square mile) is 4.0 times the density where the typical Kentucky resident lives (310). The average commute is 20.0 minutes (Kentucky: 24.0), and 78% of workers drive alone. Together these put our location factor at 1.04× the state baseline for liability and collision, and 1.03× for comprehensive once FEMA weather risk for Hardin County is included.
| Factor | Elizabethtown | Kentucky ref. | Why it matters |
|---|---|---|---|
| Population density | 1,234 / sq mi | 310 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 20.0 min | 24.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 78.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.1% | — | Transit use lowers how much residents drive. |
| Work from home | 6.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 12.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.8 | 82.2 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Minimum car insurance in Elizabethtown
Elizabethtown drivers follow Kentucky's rules: at least 25/50/25 liability coverage, personal injury protection. Kentucky is choice no-fault. We estimate state-minimum coverage in Elizabethtown at $550 a year, and $795 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident or $60,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $10,000 Basic reparations benefits (PIP) of $10,000 per person are required, except for motorcycles. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage equal to the minimum bodily injury limits is included unless rejected on a separate written form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Drivers may keep full tort rights by filing a No-Fault Rejection Form with the Department of Insurance.
Risk factors that shape Elizabethtown premiums
Accidents
Kentucky recorded 707 traffic deaths, or 1.44 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Kentucky's vehicle theft rate is 192 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Hardin County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
5.1% of Elizabethtown commuters spend an hour or more getting to work, and there are 1.58 vehicles per household. 6.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 90.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 84.2 | Comprehensive; dwelling | |
| Hurricane | 40.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 73.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.4 | Comprehensive; dwelling | |
| Winter weather | 80.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Elizabethtown by driver profile
A clean-record driver in their 50s pays the least in our Elizabethtown model (about $1,280 for full coverage); an 18-year-old on their own policy pays about $3,825, and a DUI pushes a 30-something to $2,575.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,510 | $2,185 | $3,825 | $319 |
| Young adult (22) | $875 | $1,270 | $2,225 | $185 |
| Adult in their 30s | $550 | $795 | $1,390 | $116 |
| Adult in their 50s | $505 | $730 | $1,280 | $107 |
| Senior (72) | $615 | $890 | $1,560 | $130 |
| 30s, one at-fault accident | $795 | $1,155 | $2,015 | $168 |
| 30s, DUI on record | $1,015 | $1,470 | $2,575 | $215 |
Minimum vs. standard vs. full coverage in Elizabethtown
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $550 | $46 | $450–$645 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $795 | $66 | $650–$940 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,390 | $116 | $1,140–$1,640 |
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Cheap car insurance in Elizabethtown: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Elizabethtown's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $85 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $95 | You're among the 6.5% of Elizabethtown workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $330 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $595 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $305 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Elizabethtown
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 13 offices listed below.
- Check complaint records with the Kentucky Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Elizabethtown, our estimates differ by up to $0 a year between neighborhoods.
Car insurance agents near Elizabethtown, KY
We found 13 insurance offices within about 4 miles of central Elizabethtown, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Erie Insurance
620 Westport Road, Suite C, Elizabethtown, KY 42701 -
Erie Insurance
240 W Dixie Avenue, Suite 1, Elizabethtown, KY 42701 -
Chris Grinstead - Allstate
112 N Mulberry St, Elizabethtown, KY 42701 -
Jacob Willett - State Farm
513 N Mulberry Street, Elizabethtown, KY 42701 -
Travis Thomas - State Farm
113 E Dixie Avenue, Elizabethtown, KY 42701 -
Neil Atcher - State Farm
230 Buford Ln, Ste 104, Elizabethtown, KY 42701 -
Erie Insurance
1507 N Dixie Avenue, Suite 116, Elizabethtown, KY 42701 -
Shelter Insurance
950 North Mulberry Street, #210A, Elizabethtown, KY 42701 -
Kelly Ryan Cleaver - State Farm Insurance Agent
3100 Ring Road, Elizabethtown, KY 42701 -
Hardin County Farm Bureau
2915 Ring Road, Elizabethtown, KY 42701 -
Mike Wyman - State Farm Insurance Agent
2801 Ring Road, Elizabethtown, KY 42701 -
Lance Taylor - State Farm
2600 Ring Road, Suite 101A, Elizabethtown, KY 42701 -
Rick Skeeters - State Farm
5003 N Dixie Hwy, Elizabethtown, KY 42701
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Elizabethtown
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,050 | −24% |
| Subaru Outback | Wagon | $1,040 | −25% |
| Tesla Model 3 | Midsize car | $1,445 | +4% |
| Subaru Forester | Small SUV | $1,015 | −27% |
| Honda Civic | Compact car | $1,590 | +14% |
| Toyota Corolla | Compact car | $1,490 | +7% |
| Jeep Wrangler | Midsize SUV | $1,190 | −14% |
| Mazda CX-5 | Small SUV | $1,180 | −15% |
| MINI Cooper | Subcompact car | $1,055 | −24% |
| Tesla Model Y | Midsize SUV | $1,300 | −6% |
Car insurance in nearby Kentucky cities
- Louisville $1,480/yr · 34 mi
- Bowling Green $1,395/yr · 59 mi
- Owensboro $1,420/yr · 68 mi
- Georgetown $1,450/yr · 80 mi
- Lexington $1,405/yr · 81 mi
- Richmond $1,460/yr · 86 mi
- Covington $1,480/yr · 121 mi
All Kentucky cities and state rules · Homeowners insurance in Elizabethtown
Frequently asked questions
How much is car insurance in Elizabethtown, KY?
We estimate full coverage in Elizabethtown at about $1,390 a year ($116 a month) for a driver in their 30s with a clean record, and about $550 for Kentucky's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Elizabethtown more expensive than the Kentucky average?
Our Elizabethtown estimate is 4% higher than the statewide figure. The model reflects a population density of 1,234 people per square mile (the typical Kentucky resident lives at about 310) and an average commute of 20.0 minutes versus 24.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Elizabethtown?
Drivers in Elizabethtown follow Kentucky law: at least 25/50/25 liability coverage plus PIP.
How much is car insurance for a teenager in Elizabethtown?
An 18-year-old with their own full-coverage policy would pay around $3,825 a year in Elizabethtown by our estimate ($1,510 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Elizabethtown?
FEMA's National Risk Index does not rate Hardin County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Elizabethtown?
We list 13 insurance offices in and around Elizabethtown, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Kentucky Transportation Cabinet (DRIVE): Mandatory Insurance
- KRS 304.39-060 (acceptance or rejection of partial abolition of tort liability)
- Kentucky Department of Insurance: No Fault Rejection/Verification (PIP)
- Kentucky Department of Insurance: Personal auto guide
- Kentucky Department of Insurance: Consumer Protection
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Elizabethtown and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places