Cost of Car Insurance in Hopkinsville, KY (2025 Rates + Cheapest)

What is the cheapest auto insurance in Hopkinsville? We compare the cost to insure over 700 vehicles to find the models with cheapest car insurance quotes in Hopkinsville, Kentucky.

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What is average car insurance cost in Hopkinsville?

In Hopkinsville, the average cost of car insurance is $2,544 per year, which is 13.6% more than the overall U.S. national average rate of $2,221. Per month, Hopkinsville car insurance costs around $212 for a full-coverage car insurance policy.

In the state of Kentucky, the average cost of car insurance is $2,600 per year, so the average cost in Hopkinsville is $56 less per year. When compared to other larger cities in Kentucky, the average cost of insurance in Hopkinsville is approximately $790 per year cheaper than in Louisville, $12 per year more expensive than in Covington, and $58 per year more than in Bowling Green.

Driver age is one of the largest influencers on the price you pay for auto insurance. The list below illustrates these differences by breaking down average car insurance rates depending on driver age.

Hopkinsville car insurance cost by driver age

  • 16 year old – $9,053 per year or $754 per month
  • 17 year old – $8,772 per year or $731 per month
  • 18 year old – $7,862 per year or $655 per month
  • 19 year old – $7,159 per year or $597 per month
  • 20 year old – $5,114 per year or $426 per month
  • 30 year old – $2,712 per year or $226 per month
  • 40 year old – $2,544 per year or $212 per month
  • 50 year old – $2,250 per year or $188 per month
  • 60 year old – $2,110 per year or $176 per month

The next chart shows average Hopkinsville auto insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different policy deductible amounts.

Average full-coverage car insurance premium in Hopkinsville, KY for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Hopkinsville, KY for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Hopkinsville, KY Zip Codes.

Average Car Insurance Cost in Hopkinsville, KY
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,330$361
$500$5,114$426
$250$5,948$496
30$1,000$2,272$189
$500$2,712$226
$250$3,170$264
40$1,000$2,138$178
$500$2,544$212
$250$2,964$247
50$1,000$1,902$159
$500$2,250$188
$250$2,614$218
60$1,000$1,782$149
$500$2,110$176
$250$2,448$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Average rates in the chart above range from $1,782 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $5,948 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparison purposes is a 40-year-old driver with $500 policy deductibles, which is an average cost of $2,544 per year in Hopkinsville.

As a monthly amount, car insurance in Hopkinsville ranges from $149 to $496 for the same driver risk profiles shown in the prior chart.

Car insurance rates can have a very wide price range and can also be very different depending on the company. Since there can be such a large difference in rates, it emphasizes the need for multiple auto insurance quotes when shopping around for cheaper coverage.

Which vehicles have cheap insurance in Hopkinsville?

When all makes and models are compared, the vehicles with the cheapest car insurance rates in Hopkinsville, KY, tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average auto insurance rates for those small SUVs cost $2,062 or less per year, or $172 per month, for a policy with full coverage.

Examples of other models that have low-cost auto insurance prices in our auto insurance cost comparison are the Subaru Outback, Honda CR-V, Nissan Murano, and Acura RDX. Rates are slightly higher for those models than the cheapest crossover SUVs that rank at the top, but they still have average rates of $184 or less per month.

The next table lists the 25 cars, trucks, and SUVs with the cheapest insurance rates in Hopkinsville, ordered starting with the cheapest.

Cheapest Auto Insurance Rates in Hopkinsville
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,876$156
2Chevrolet Trailblazer$1,908$159
3Kia Soul$1,982$165
4Nissan Kicks$2,000$167
5Honda Passport$2,026$169
6Buick Envision$2,038$170
7Toyota Corolla Cross$2,048$171
8Hyundai Venue$2,062$172
9Mazda CX-5$2,074$173
10Ford Bronco Sport$2,082$174
11Volkswagen Tiguan$2,102$175
12Acura RDX$2,126$177
13Nissan Murano$2,134$178
14Buick Encore$2,156$180
15Subaru Outback$2,164$180
16Honda CR-V$2,166$181
17Buick Envista$2,170$181
18Volkswagen Taos$2,176$181
19Kia Niro$2,188$182
20Honda HR-V$2,208$184
21Toyota GR Corolla$2,210$184
22Subaru Ascent$2,212$184
23Nissan Leaf$2,222$185
24Chevrolet Colorado$2,238$187
25Honda Civic$2,250$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 26, 2025

Top 25 cheapest vehicles to insure in Hopkinsville, KY with the Subaru Crosstrek ranking first at $1,876 per year
Top 25 cheapest vehicles to insure in Hopkinsville, KY with the Subaru Crosstrek ranking first at $1,876 per year

The above table containing 25 ranked vehicles is not really the best way to show a complete view of Hopkinsville car insurance cost. A better way to group and analyze rates for many more vehicles is to organize them by segment.

This next article section discusses the cost of car insurance based on automotive segment. The rates shown will give you a better idea of which segments have the overall best Hopkinsville auto insurance rates. The six sections following the chart break out the cheapest rates for individual vehicles for each automotive segment.

Average auto insurance rates by segment

If you’re looking to buy a different vehicle, it’s in your best interest to know which kinds of vehicles have more affordable car insurance rates.

To illustrate this, maybe you’re curious if midsize SUVs have cheaper insurance than full-size SUVs or if sports cars have more expensive insurance than regular cars.

The next chart shows the average car insurance cost in Hopkinsville for each automotive segment. As a general rule, small SUVs, vans, and midsize pickups have the most affordable rates, while exotic performance cars have the most expensive overall rates.

Car insurance average cost by automotive segment in Hopkinsville, KY.
Figure 2: Car insurance average cost by automotive segment in Hopkinsville, KY. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Hopkinsville Zip Codes.

Car Insurance Rates by Automotive Segment in Hopkinsville, KY
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,334$195
Midsize SUV$2,508$209
Compact Car$2,510$209
Minivan$2,514$210
Midsize Pickup$2,566$214
Midsize Car$2,592$216
Compact Luxury SUV$2,754$230
Compact Luxury Car$2,796$233
Large SUV$2,806$234
Half-ton Pickup$2,816$235
Heavy Duty Pickup$2,924$244
Midsize Luxury SUV$3,018$252
Midsize Luxury Car$3,118$260
Sports Car$3,494$291
Large Car$3,656$305
Large Luxury SUV$3,936$328
Large Luxury Car$4,066$339

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Average insurance rates by segment are useful for blanket comparisons, but rates vary quite a lot within each vehicle segment listed in the previous chart.

For example, in the small luxury car segment, rates range from the Acura Integra at $2,258 per year for full coverage insurance up to the BMW M340i at $3,102 per year, a difference of $844 within that segment. For another example, in the large luxury SUV segment, insurance rates range from the Infiniti QX80 costing $2,848 per year to the Mercedes-Benz G63 AMG at $5,462 per year, a difference of $2,614 within that segment.

In these next sections, we eliminate a lot of this variability by looking at average car insurance cost from a model perspective rather than by segment.

Cars with affordable auto insurance rates in Hopkinsville, KY

Taking the top spot in Hopkinsville for cheapest insurance in the non-luxury car segment is the Toyota GR Corolla, with a cost of $2,210 per year. Second place is the Nissan Leaf at $2,222 per year, the third most affordable is the Honda Civic, costing an average of $2,250 per year, and coming in fourth is the Nissan Sentra, costing an average of $2,328 per year.

Not the cheapest, but still very affordable, are models like the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Honda Accord, with average rates of $2,480 per year or less.

Ranked in the lower half of the top 20, cars like the Hyundai Sonata, Volkswagen Jetta, Toyota Crown, Hyundai Ioniq 6, and Mazda 3 average between $2,480 and $2,626 to insure per year in Hopkinsville.

From a monthly standpoint, full-coverage auto insurance on this segment in Hopkinsville for an average middle-age driver starts at an average of $184 per month, depending on your location and insurance company.

The next table ranks the twenty cars with the lowest-cost average car insurance rates in Hopkinsville, starting with the Toyota GR Corolla at $2,210 per year ($184 per month) and ending with the Mazda 3 at $2,626 per year ($219 per month).

Cheapest Insurance for Cars in Hopkinsville, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,210$184
Nissan LeafCompact$2,222$185
Honda CivicCompact$2,250$188
Nissan SentraCompact$2,328$194
Subaru ImprezaCompact$2,334$195
Toyota PriusCompact$2,376$198
Kia K5Midsize$2,446$204
Honda AccordMidsize$2,454$205
Chevrolet MalibuMidsize$2,464$205
Kia ForteCompact$2,480$207
Toyota CorollaCompact$2,480$207
Volkswagen ArteonMidsize$2,498$208
Nissan VersaCompact$2,504$209
Subaru LegacyMidsize$2,506$209
Hyundai Ioniq 6Midsize$2,528$211
Mitsubishi Mirage G4Compact$2,564$214
Volkswagen JettaCompact$2,570$214
Toyota CrownMidsize$2,572$214
Hyundai SonataMidsize$2,578$215
Mazda 3Compact$2,626$219

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Hopkinsville, KY, with the Toyota GR Corolla ranking first at $2,210 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Hopkinsville, KY, with the Toyota GR Corolla ranking first at $2,210 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Kentucky.

Non-luxury SUVs with cheaper car insurance rates

The four top-ranked SUVs with the most affordable insurance in Hopkinsville are the Subaru Crosstrek at $1,876 per year, Chevrolet Trailblazer at $1,908 per year, Kia Soul at $1,982 per year, and Nissan Kicks at $2,000 per year.

Not the cheapest, but still very affordable, are SUVs like the Mazda CX-5, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average rates of $2,082 per year or less.

Additional SUVs that rank well include the Honda HR-V, Kia Niro, Subaru Ascent, Subaru Outback, and Volkswagen Taos, which average between $2,082 and $2,212 per year for full-coverage insurance in Hopkinsville.

Full-coverage auto insurance in Hopkinsville for this segment starts at an average of $156 per month, depending on your location and insurance company.

When rates are compared by vehicle size, the most budget-friendly non-luxury compact SUV to insure in Hopkinsville is the Subaru Crosstrek at $1,876 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $2,026 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,386 per year.

The next table ranks the twenty SUVs with the cheapest insurance rates in Hopkinsville, starting with the Subaru Crosstrek at $1,876 per year and ending with the Subaru Ascent at $2,212 per year.

Cheapest Insurance for SUVs in Hopkinsville, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,876$156
Chevrolet TrailblazerCompact$1,908$159
Kia SoulCompact$1,982$165
Nissan KicksCompact$2,000$167
Honda PassportMidsize$2,026$169
Buick EnvisionCompact$2,038$170
Toyota Corolla CrossCompact$2,048$171
Hyundai VenueCompact$2,062$172
Mazda CX-5Compact$2,074$173
Ford Bronco SportCompact$2,082$174
Volkswagen TiguanCompact$2,102$175
Nissan MuranoMidsize$2,134$178
Buick EncoreCompact$2,156$180
Subaru OutbackMidsize$2,164$180
Honda CR-VCompact$2,166$181
Buick EnvistaMidsize$2,170$181
Volkswagen TaosCompact$2,176$181
Kia NiroCompact$2,188$182
Honda HR-VCompact$2,208$184
Subaru AscentMidsize$2,212$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Hopkinsville, KY, with the Subaru Crosstrek ranking first at $1,876 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Hopkinsville, KY, with the Subaru Crosstrek ranking first at $1,876 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see rates for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hopkinsville car insurance quotes from the best companies in Kentucky.

Cheap pickup trucks to insure in Hopkinsville

The four most affordable pickup trucks to insure in Hopkinsville are the Chevrolet Colorado at $2,238 per year, Nissan Titan at $2,378 per year, Nissan Frontier at $2,406 per year, and Ford Ranger at $2,426 per year.

Not the cheapest pickups to insure, but still affordable, are models like the Hyundai Santa Cruz, GMC Sierra 2500 HD, Toyota Tacoma, and Honda Ridgeline, with an average car insurance cost of $2,614 per year or less.

Auto insurance rates for this segment in Hopkinsville for a middle-age safe driver can cost as low as $187 per month, depending on your company and location.

The rate comparison table below ranks the pickups with the cheapest insurance rates in Hopkinsville, starting with the Chevrolet Colorado at $187 per month and ending with the Ram Truck at $245 per month.

Cheapest Insurance for Pickups in Hopkinsville, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,238$187
Nissan TitanFull-size$2,378$198
Nissan FrontierMidsize$2,406$201
Ford RangerMidsize$2,426$202
Ford MaverickMidsize$2,466$206
Honda RidgelineMidsize$2,520$210
Hyundai Santa CruzMidsize$2,562$214
Toyota TacomaMidsize$2,574$215
GMC Sierra 2500 HDHeavy Duty$2,584$215
GMC CanyonMidsize$2,614$218
Jeep GladiatorMidsize$2,678$223
GMC Sierra 3500Heavy Duty$2,694$225
Chevrolet Silverado HD 3500Heavy Duty$2,716$226
Chevrolet Silverado HD 2500Heavy Duty$2,792$233
GMC SierraFull-size$2,806$234
Nissan Titan XDHeavy Duty$2,808$234
Chevrolet SilveradoFull-size$2,812$234
Ford F150Full-size$2,844$237
GMC Hummer EV PickupFull-size$2,918$243
Ram TruckFull-size$2,940$245

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Hopkinsville, KY, with the Chevrolet Colorado ranking first at $2,238 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Hopkinsville, KY, with the Chevrolet Colorado ranking first at $2,238 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Hopkinsville car insurance quotes from top auto insurance companies in Kentucky.

Cheap luxury car insurance rates in Hopkinsville, KY

Taking the top ranking in Hopkinsville for cheapest average insurance rates in the luxury sedan segment is the Acura Integra, with a cost of $2,258 per year. Second place is the BMW 330i costing $2,586 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $2,614 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,620 per year.

Other luxury cars that have good average insurance rates include the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Mercedes-Benz AMG CLA35, with an average cost of $2,670 per year or less.

Auto insurance in this segment for a middle-age safe driver starts at around $188 per month, depending on the company.

When the luxury car segment is analyzed by vehicle size, the most affordable compact luxury car to insure in Hopkinsville is the Acura Integra at $2,258 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,614 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $3,020 per year.

The next table ranks the luxury cars with the cheapest average insurance rates in Hopkinsville.

Cheapest Insurance for Luxury Cars in Hopkinsville, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,258$188
BMW 330iCompact$2,586$216
Mercedes-Benz CLA250Midsize$2,614$218
Lexus IS 300Midsize$2,620$218
Acura TLXCompact$2,628$219
Lexus ES 350Midsize$2,652$221
Cadillac CT4Compact$2,654$221
Genesis G70Compact$2,660$222
Mercedes-Benz AMG CLA35Midsize$2,664$222
Lexus RC 300Midsize$2,670$223
Lexus IS 350Compact$2,682$224
Jaguar XFMidsize$2,688$224
Cadillac CT5Midsize$2,736$228
Lexus ES 250Midsize$2,748$229
Lexus RC 350Compact$2,756$230
BMW 330eCompact$2,760$230
BMW 228iCompact$2,762$230
BMW 230iCompact$2,782$232
Lexus ES 300hMidsize$2,788$232
Audi S3Compact$2,848$237

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Hopkinsville, KY, with the Acura Integra ranking first at $2,258 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Hopkinsville, KY, with the Acura Integra ranking first at $2,258 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kentucky.

Cheapest luxury SUV insurance rates

The three highest ranking luxury SUVs with the most affordable auto insurance rates in Hopkinsville are the Acura RDX at $2,126 per year, the Lexus NX 250 at $2,250 per year, and the Cadillac XT4 at $2,294 per year.

Also ranking well in our comparison are SUVs like the Mercedes-Benz GLB 250, Lexus NX 450h, Lincoln Corsair, and Lexus UX 250h, with average cost of $2,452 per year or less.

Ranking between positions 10 and 20, SUVs like the Cadillac XT6, Mercedes-Benz GLA35 AMG, Lexus NX 350, Acura MDX, Land Rover Evoque, and Infiniti QX50 cost between $2,452 and $2,550 per year for insurance in Hopkinsville.

From a cost per month standpoint, full-coverage insurance on this segment in Hopkinsville for an average middle-age driver starts at around $177 per month, depending on where you live and the company you use. The table below ranks the luxury SUVs with the lowest-cost average car insurance rates in Hopkinsville, starting with the Acura RDX at $2,126 per year and ending with the Lexus RX 350 at $2,550 per year.

Cheapest Insurance for Luxury SUVs in Hopkinsville, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,126$177
Lexus NX 250Compact$2,250$188
Cadillac XT4Compact$2,294$191
Jaguar E-PaceMidsize$2,376$198
Cadillac XT5Midsize$2,398$200
Lexus NX 350hCompact$2,398$200
Lincoln CorsairCompact$2,426$202
Mercedes-Benz GLB 250Compact$2,432$203
Lexus UX 250hCompact$2,436$203
Lexus NX 450hCompact$2,452$204
Infiniti QX50Midsize$2,470$206
Mercedes-Benz GLA250Compact$2,476$206
Cadillac XT6Midsize$2,486$207
Mercedes-Benz GLA35 AMGCompact$2,486$207
Infiniti QX60Midsize$2,500$208
Mercedes-Benz AMG GLB35Midsize$2,502$209
Land Rover EvoqueCompact$2,536$211
Acura MDXMidsize$2,540$212
Lexus NX 350Compact$2,548$212
Lexus RX 350Midsize$2,550$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Hopkinsville, KY, with the Acura RDX ranking first at $2,126 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Hopkinsville, KY, with the Acura RDX ranking first at $2,126 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Hopkinsville car insurance quotes from top auto insurance companies in Kentucky.

Most affordable sports cars to insure

The four cheapest sports cars to insure in Hopkinsville are the Mazda MX-5 Miata at $2,350 per year, Toyota GR86 at $2,676 per year, Ford Mustang at $2,794 per year, and BMW Z4 at $2,806 per year.

Not the cheapest, but still in the top 10, are models like the BMW M2, Subaru BRZ, Toyota GR Supra, and Nissan Z, with average cost of $3,040 per year or less.

On a monthly basis, full-coverage insurance in this segment for a safe driver can cost as low as $196 per month, depending on where you live. The comparison table below ranks the twenty sports cars with the cheapest average auto insurance rates in Hopkinsville, starting with the Mazda MX-5 Miata at $2,350 per year ($196 per month) and ending with the Porsche Taycan at $4,304 per year ($359 per month).

Cheapest Insurance for Sports Cars in Hopkinsville, KY
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,350$196
Toyota GR86Sports Car$2,676$223
Ford MustangSports Car$2,794$233
BMW Z4Sports Car$2,806$234
Subaru WRXSports Car$2,850$238
Toyota GR SupraSports Car$2,854$238
BMW M2Sports Car$2,938$245
Nissan ZSports Car$2,942$245
Lexus RC FSports Car$3,004$250
Subaru BRZSports Car$3,040$253
BMW M3Sports Car$3,208$267
Porsche 718Sports Car$3,274$273
Chevrolet CamaroSports Car$3,304$275
Chevrolet CorvetteSports Car$3,520$293
Porsche 911Sports Car$3,642$304
BMW M4Sports Car$3,794$316
Lexus LC 500Sports Car$3,814$318
Jaguar F-TypeSports Car$4,010$334
Mercedes-Benz AMG GT53Sports Car$4,206$351
Porsche TaycanSports Car$4,304$359

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hopkinsville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Hopkinsville, KY, with the Mazda MX-5 Miata ranking first at $2,350 per year.
Ranking of the cheapest sports cars to insure in Hopkinsville, KY, with the Mazda MX-5 Miata ranking first at $2,350 per year.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Hopkinsville.

Prices vary based on driver risk

To help clarify how much auto insurance premiums can vary for different applicants (and also emphasize the importance of accurate rate quotes), the charts below show detailed rates for five popular vehicles in Hopkinsville: the Ford F150, Honda Civic, Nissan Rogue, Toyota Highlander, and Honda Accord.

Each chart displays average rates for different driver profiles to show the possible cost variation based on changes in the type of driver rated on the policy.

Ford F150 insurance rates

Auto insurance for a Ford F150 in Hopkinsville costs an average of $2,844 per year, or about $237 per month, and has a range of $2,360 to $6,570 per year.

Average 2024 Ford F150 insurance premiums in Hopkinsville for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Hopkinsville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Hopkinsville includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Hopkinsville, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,570$548
Safe Driver Age 20$5,750$479
At-fault Accidents Age 40$4,036$336
Low Deductibles Age 40$3,726$311
Safe Driver Age 30$3,034$253
Safe Driver Age 40$2,844$237
Safe Driver Age 50$2,522$210
High Deductibles Age 40$2,392$199
Discount Rate Age 40$2,360$197
Safe Driver Age 60$2,356$196

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 is a full-size truck, and other models from that segment that are popular in Hopkinsville include the GMC Sierra, Chevrolet Silverado, and Nissan Titan.

Honda Civic insurance rates

Insurance for a Honda Civic in Hopkinsville costs an average of $2,250 per year, or around $188 per month, and varies from $1,872 to $5,110 for the sample risk profiles in the chart shown below.

Average 2024 Honda Civic insurance premiums in Hopkinsville for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda Civic insurance premiums in Hopkinsville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Hopkinsville includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Hopkinsville, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,110$426
Safe Driver Age 20$4,466$372
At-fault Accidents Age 40$3,158$263
Low Deductibles Age 40$2,950$246
Safe Driver Age 30$2,402$200
Safe Driver Age 40$2,250$188
Safe Driver Age 50$1,998$167
High Deductibles Age 40$1,886$157
Discount Rate Age 40$1,872$156
Safe Driver Age 60$1,868$156

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

The Honda Civic is a compact car, and other popular models include the Chevrolet Cruze, Hyundai Elantra, and Volkswagen Jetta.

Nissan Rogue insurance rates

Auto insurance for a Nissan Rogue in Hopkinsville averages $2,282 per year, or about $190 per month, and varies from $1,898 to $5,220 per year.

Average 2024 Nissan Rogue insurance premiums in Hopkinsville for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Hopkinsville for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Hopkinsville includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Hopkinsville, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,220$435
Safe Driver Age 20$4,554$380
At-fault Accidents Age 40$3,234$270
Low Deductibles Age 40$2,936$245
Safe Driver Age 30$2,430$203
Safe Driver Age 40$2,282$190
Safe Driver Age 50$2,034$170
High Deductibles Age 40$1,942$162
Safe Driver Age 60$1,902$159
Discount Rate Age 40$1,898$158

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue belongs to the compact SUV segment, and other models in that segment include the Toyota RAV4, Subaru Forester, Ford Escape, and Honda CR-V.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Hopkinsville costs an average of $2,314 per year (about $193 per month) and ranges from $1,922 to $5,288 annually.

Average 2024 Toyota Highlander insurance premiums in Hopkinsville for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Hopkinsville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Hopkinsville includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Hopkinsville, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,288$441
Safe Driver Age 20$4,632$386
At-fault Accidents Age 40$3,246$271
Low Deductibles Age 40$3,078$257
Safe Driver Age 30$2,474$206
Safe Driver Age 40$2,314$193
Safe Driver Age 50$2,042$170
Discount Rate Age 40$1,922$160
High Deductibles Age 40$1,920$160
Safe Driver Age 60$1,912$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander belongs to the midsize SUV segment, and other top-selling models from the same segment include the Ford Edge, Kia Sorento, Jeep Grand Cherokee, and Honda Pilot.

Honda Accord insurance rates

Auto insurance for a Honda Accord in Hopkinsville averages $2,454 per year (about $205 per month) and varies from $2,040 to $5,642 annually.

Average 2024 Honda Accord insurance premiums in Hopkinsville for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in Hopkinsville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Hopkinsville includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Hopkinsville, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,642$470
Safe Driver Age 20$4,942$412
At-fault Accidents Age 40$3,470$289
Low Deductibles Age 40$3,234$270
Safe Driver Age 30$2,622$219
Safe Driver Age 40$2,454$205
Safe Driver Age 50$2,172$181
High Deductibles Age 40$2,054$171
Discount Rate Age 40$2,040$170
Safe Driver Age 60$2,034$170

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is classified as a midsize car, and other top-selling models from the same segment include the Nissan Altima, Hyundai Sonata, Toyota Camry, and Kia K5.

Tips for getting cheaper Hopkinsville auto insurance quotes

Hopkinsville drivers should always be searching for ways to reduce the monthly expense for insurance So review the tips in the list below and it’s very possible you can save a few bucks on your next policy purchase.

  • Remain claim free. Most insurers reduce rates a little if you have no claims. Car insurance should only be used in the case of larger claims, not minor claims that should be paid out-of-pocket.
  • Choose a vehicle with cheaper car insurance rates. Vehicle performance is an important factor in the price you pay for car insurance. For example, a Volkswagen Atlas costs $1,264 less per year to insure in Hopkinsville than a Chevrolet Corvette. Lower performance vehicles save money.
  • Remove unneeded coverage on older cars. Removing physical damage coverage (comprehensive and collision) from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of auto insurance considerably.
  • Raising physical damage deductibles lowers cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • A good driving record means cheaper rates. In order to get the cheapest car insurance in Hopkinsville, it’s necessary to to be a conservative driver. Just a few traffic citations have the consequences of increasing policy rates as much as $674 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,362 or more.