- Average Hopkinsville car insurance cost is $1,978 per year, or around $165 per month.
- The Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Mazda CX-5 are some of the best options for cheap car insurance in Hopkinsville.
- Models with the most affordable auto insurance in their automotive segment include the Subaru Crosstrek ($1,460 per year), Toyota GR Corolla ($1,718 per year), Mercedes-Benz CLA250 ($2,034 per year), and Hyundai Ioniq 6 ($1,816 per year).
What is average car insurance cost in Hopkinsville?
In Hopkinsville, the average cost of car insurance is $1,978 per year, which is 4.9% more than the overall U.S. national average rate of $1,883. Per month, Hopkinsville car insurance costs around $165 for a full-coverage car insurance policy.
In the state of Kentucky, the average cost of car insurance is $2,034 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 $792 per year cheaper than in Louisville, $14 per year more expensive than in Covington, and $60 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 – $7,037 per year or $586 per month
- 17 year old – $6,816 per year or $568 per month
- 18 year old – $6,112 per year or $509 per month
- 19 year old – $5,566 per year or $464 per month
- 20 year old – $3,976 per year or $331 per month
- 30 year old – $2,106 per year or $176 per month
- 40 year old – $1,978 per year or $165 per month
- 50 year old – $1,752 per year or $146 per month
- 60 year old – $1,640 per year or $137 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 rates in the chart above range from $1,386 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $4,622 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 $1,978 per year in Hopkinsville.
As a monthly amount, car insurance in Hopkinsville ranges from $116 to $385 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 $1,604 or less per year, or $134 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 $142 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.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,460 | $122 |
| 2 | Chevrolet Trailblazer | $1,486 | $124 |
| 3 | Kia Soul | $1,546 | $129 |
| 4 | Nissan Kicks | $1,556 | $130 |
| 5 | Honda Passport | $1,574 | $131 |
| 6 | Buick Envision | $1,584 | $132 |
| 7 | Toyota Corolla Cross | $1,592 | $133 |
| 8 | Hyundai Venue | $1,604 | $134 |
| 9 | Mazda CX-5 | $1,612 | $134 |
| 10 | Ford Bronco Sport | $1,622 | $135 |
| 11 | Volkswagen Tiguan | $1,636 | $136 |
| 12 | Acura RDX | $1,654 | $138 |
| 13 | Nissan Murano | $1,662 | $139 |
| 14 | Buick Encore | $1,680 | $140 |
| 15 | Subaru Outback | $1,684 | $140 |
| 16 | Honda CR-V | $1,686 | $141 |
| 17 | Buick Envista | $1,688 | $141 |
| 18 | Volkswagen Taos | $1,690 | $141 |
| 19 | Chevrolet Colorado | $1,692 | $141 |
| 20 | Kia Niro | $1,698 | $142 |
| 21 | Honda HR-V | $1,718 | $143 |
| 22 | Toyota GR Corolla | $1,718 | $143 |
| 23 | Subaru Ascent | $1,720 | $143 |
| 24 | Nissan Leaf | $1,730 | $144 |
| 25 | Lexus NX 250 | $1,748 | $146 |
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 February 23, 2024
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.
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 $1,760 per year for full coverage insurance up to the BMW M340i at $2,412 per year, a difference of $652 within that segment. For another example, in the large luxury SUV segment, insurance rates range from the Infiniti QX80 costing $2,218 per year to the Mercedes-Benz G63 AMG at $4,246 per year, a difference of $2,028 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 $1,718 per year. Second place is the Nissan Leaf at $1,730 per year, the third most affordable is the Honda Civic, costing an average of $1,750 per year, and coming in fourth is the Nissan Sentra, costing an average of $1,812 per year.
Not the cheapest, but still very affordable, are models like the Chevrolet Malibu, Hyundai Ioniq 6, Honda Accord, and Kia K5, with average rates of $1,918 per year or less.
Ranked in the lower half of the top 20, cars like the Hyundai Sonata, Volkswagen Jetta, Toyota Crown, Subaru Legacy, and Mazda 3 average between $1,918 and $2,042 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 $143 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 $1,718 per year ($143 per month) and ending with the Mazda 3 at $2,042 per year ($170 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,718 | $143 |
| Nissan Leaf | Compact | $1,730 | $144 |
| Honda Civic | Compact | $1,750 | $146 |
| Nissan Sentra | Compact | $1,812 | $151 |
| Hyundai Ioniq 6 | Midsize | $1,816 | $151 |
| Subaru Impreza | Compact | $1,816 | $151 |
| Toyota Prius | Compact | $1,850 | $154 |
| Kia K5 | Midsize | $1,902 | $159 |
| Honda Accord | Midsize | $1,910 | $159 |
| Chevrolet Malibu | Midsize | $1,918 | $160 |
| Toyota Corolla | Compact | $1,926 | $161 |
| Kia Forte | Compact | $1,930 | $161 |
| Volkswagen Arteon | Midsize | $1,942 | $162 |
| Nissan Versa | Compact | $1,948 | $162 |
| Subaru Legacy | Midsize | $1,948 | $162 |
| Mitsubishi Mirage G4 | Compact | $1,996 | $166 |
| Volkswagen Jetta | Compact | $1,998 | $167 |
| Toyota Crown | Midsize | $2,002 | $167 |
| Hyundai Sonata | Midsize | $2,004 | $167 |
| Mazda 3 | Compact | $2,042 | $170 |
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 February 23, 2024
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 $1,460 per year, Chevrolet Trailblazer at $1,486 per year, Kia Soul at $1,546 per year, and Nissan Kicks at $1,556 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 $1,622 per year or less.
Additional SUVs that rank well include the Subaru Ascent, Kia Niro, Honda HR-V, Subaru Outback, and Volkswagen Taos, which average between $1,622 and $1,718 per year for full-coverage insurance in Hopkinsville.
Full-coverage auto insurance in Hopkinsville for this segment starts at an average of $122 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 $1,460 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,574 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,858 per year.
The next table ranks the twenty SUVs with the cheapest insurance rates in Hopkinsville, starting with the Subaru Crosstrek at $1,460 per year and ending with the Honda HR-V at $1,718 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,460 | $122 |
| Chevrolet Trailblazer | Compact | $1,486 | $124 |
| Kia Soul | Compact | $1,546 | $129 |
| Nissan Kicks | Compact | $1,556 | $130 |
| Honda Passport | Midsize | $1,574 | $131 |
| Buick Envision | Compact | $1,584 | $132 |
| Toyota Corolla Cross | Compact | $1,592 | $133 |
| Hyundai Venue | Compact | $1,604 | $134 |
| Mazda CX-5 | Compact | $1,612 | $134 |
| Ford Bronco Sport | Compact | $1,622 | $135 |
| Volkswagen Tiguan | Compact | $1,636 | $136 |
| Nissan Murano | Midsize | $1,662 | $139 |
| Buick Encore | Compact | $1,680 | $140 |
| Subaru Outback | Midsize | $1,684 | $140 |
| Honda CR-V | Compact | $1,686 | $141 |
| Buick Envista | Midsize | $1,688 | $141 |
| Volkswagen Taos | Compact | $1,690 | $141 |
| Kia Niro | Compact | $1,698 | $142 |
| Honda HR-V | Compact | $1,718 | $143 |
| Subaru Ascent | Midsize | $1,720 | $143 |
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 February 23, 2024
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 $1,692 per year, Nissan Titan at $1,850 per year, Nissan Frontier at $1,868 per year, and Ford Ranger at $1,886 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 $2,032 per year or less.
Auto insurance rates for this segment in Hopkinsville for a middle-age safe driver can cost as low as $141 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 $141 per month and ending with the Ram Truck at $190 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,692 | $141 |
| Nissan Titan | Full-size | $1,850 | $154 |
| Nissan Frontier | Midsize | $1,868 | $156 |
| Ford Ranger | Midsize | $1,886 | $157 |
| Ford Maverick | Midsize | $1,918 | $160 |
| Honda Ridgeline | Midsize | $1,960 | $163 |
| Hyundai Santa Cruz | Midsize | $1,994 | $166 |
| Toyota Tacoma | Midsize | $2,002 | $167 |
| GMC Sierra 2500 HD | Heavy Duty | $2,010 | $168 |
| GMC Canyon | Midsize | $2,032 | $169 |
| Jeep Gladiator | Midsize | $2,082 | $174 |
| GMC Sierra 3500 | Heavy Duty | $2,092 | $174 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,114 | $176 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,168 | $181 |
| GMC Sierra | Full-size | $2,180 | $182 |
| Nissan Titan XD | Heavy Duty | $2,184 | $182 |
| Chevrolet Silverado | Full-size | $2,186 | $182 |
| Ford F150 | Full-size | $2,210 | $184 |
| GMC Hummer EV Pickup | Full-size | $2,266 | $189 |
| Ram Truck | Full-size | $2,284 | $190 |
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 February 23, 2024
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 $1,760 per year. Second place is the BMW 330i costing $2,014 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $2,034 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,038 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 $2,080 per year or less.
Auto insurance in this segment for a middle-age safe driver starts at around $147 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 $1,760 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,034 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,340 per year.
The next table ranks the luxury cars with the cheapest average insurance rates in Hopkinsville.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,760 | $147 |
| BMW 330i | Compact | $2,014 | $168 |
| Mercedes-Benz CLA250 | Midsize | $2,034 | $170 |
| Lexus IS 300 | Midsize | $2,038 | $170 |
| Acura TLX | Compact | $2,046 | $171 |
| Cadillac CT4 | Compact | $2,066 | $172 |
| Lexus ES 350 | Midsize | $2,066 | $172 |
| Genesis G70 | Compact | $2,070 | $173 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,074 | $173 |
| Lexus RC 300 | Midsize | $2,080 | $173 |
| Lexus IS 350 | Compact | $2,082 | $174 |
| Jaguar XF | Midsize | $2,092 | $174 |
| Cadillac CT5 | Midsize | $2,128 | $177 |
| Lexus ES 250 | Midsize | $2,140 | $178 |
| BMW 330e | Compact | $2,146 | $179 |
| Lexus RC 350 | Compact | $2,146 | $179 |
| BMW 228i | Compact | $2,148 | $179 |
| BMW 230i | Compact | $2,164 | $180 |
| Lexus ES 300h | Midsize | $2,168 | $181 |
| Audi S3 | Compact | $2,218 | $185 |
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 February 23, 2024
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 $1,654 per year, the Lexus NX 250 at $1,748 per year, and the Cadillac XT4 at $1,788 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 $1,904 per year or less.
Ranking between positions 10 and 20, SUVs like the Mercedes-Benz GLA35 AMG, Cadillac XT6, Lexus RX 350, Land Rover Evoque, Acura MDX, and Infiniti QX50 cost between $1,904 and $1,984 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 $138 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 $1,654 per year and ending with the Lexus NX 350 at $1,984 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,654 | $138 |
| Lexus NX 250 | Compact | $1,748 | $146 |
| Cadillac XT4 | Compact | $1,788 | $149 |
| Jaguar E-Pace | Midsize | $1,848 | $154 |
| Lexus NX 350h | Compact | $1,866 | $156 |
| Cadillac XT5 | Midsize | $1,868 | $156 |
| Lincoln Corsair | Compact | $1,890 | $158 |
| Lexus UX 250h | Compact | $1,892 | $158 |
| Mercedes-Benz GLB 250 | Compact | $1,892 | $158 |
| Lexus NX 450h | Compact | $1,904 | $159 |
| Infiniti QX50 | Midsize | $1,920 | $160 |
| Mercedes-Benz GLA250 | Compact | $1,924 | $160 |
| Cadillac XT6 | Midsize | $1,934 | $161 |
| Mercedes-Benz GLA35 AMG | Compact | $1,936 | $161 |
| Infiniti QX60 | Midsize | $1,944 | $162 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,950 | $163 |
| Acura MDX | Midsize | $1,974 | $165 |
| Land Rover Evoque | Compact | $1,976 | $165 |
| Lexus RX 350 | Midsize | $1,976 | $165 |
| Lexus NX 350 | Compact | $1,984 | $165 |
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 February 23, 2024
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 $1,830 per year, Toyota GR86 at $2,084 per year, Ford Mustang at $2,170 per year, and BMW Z4 at $2,182 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 $2,364 per year or less.
On a monthly basis, full-coverage insurance in this segment for a safe driver can cost as low as $153 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 $1,830 per year ($153 per month) and ending with the Porsche Taycan at $3,346 per year ($279 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,830 | $153 |
| Toyota GR86 | Sports Car | $2,084 | $174 |
| Ford Mustang | Sports Car | $2,170 | $181 |
| BMW Z4 | Sports Car | $2,182 | $182 |
| Subaru WRX | Sports Car | $2,216 | $185 |
| Toyota GR Supra | Sports Car | $2,218 | $185 |
| BMW M2 | Sports Car | $2,284 | $190 |
| Nissan Z | Sports Car | $2,288 | $191 |
| Lexus RC F | Sports Car | $2,338 | $195 |
| Subaru BRZ | Sports Car | $2,364 | $197 |
| BMW M3 | Sports Car | $2,494 | $208 |
| Porsche 718 | Sports Car | $2,544 | $212 |
| Chevrolet Camaro | Sports Car | $2,568 | $214 |
| Chevrolet Corvette | Sports Car | $2,738 | $228 |
| Porsche 911 | Sports Car | $2,830 | $236 |
| BMW M4 | Sports Car | $2,948 | $246 |
| Lexus LC 500 | Sports Car | $2,964 | $247 |
| Jaguar F-Type | Sports Car | $3,118 | $260 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,272 | $273 |
| Porsche Taycan | Sports Car | $3,346 | $279 |
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 February 23, 2024
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 $2,210 per year, or about $184 per month, and has a range of $1,836 to $5,106 per year.
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 $1,750 per year, or around $146 per month, and varies from $1,458 to $3,970 for the sample risk profiles in the chart shown below.
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 $1,774 per year, or about $148 per month, and varies from $1,478 to $4,058 per year.
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 $1,798 per year (about $150 per month) and ranges from $1,496 to $4,108 annually.
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 $1,910 per year (about $159 per month) and varies from $1,590 to $4,388 annually.
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 $986 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 $300 per year for a 40-year-old driver and $588 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 $524 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,834 or more.