Car Insurance in Hopkinsville

Jump into your car knowing you are protected with car insurance in Hopkinsville.
Compare, shop and customize quotes from top-rated insurance carriers.

Auto Insurance for Drivers in Hopkinsville

Hopkinsville may be a relatively small town with a population of about 31,000 people. Still, car accidents happen, and people need insurance to protect themselves and others and for peace of mind.

Public transit is available in the area, but it is limited. Many people use vehicles for commuting and adventuring, and the average household has two cars.

Thankfully, whether you're commuting to work or taking a day trip to enjoy the great outdoors, the weather in Hopkinsville should not pose too many issues. Temperatures usually stay between 29 degrees and 88 degrees Fahrenheit. Snow, sleet and wintry mixes can cause some problems in the winter.

Average Cost of Car Insurance in Hopkinsville

Car insurance in Hopkinsville averages $1,681 per year. However, many drivers pay more or less depending on factors such as these:

  • Driving record
  • The make and model of their car
  • Their age and gender
  • Credit score
  • Whether they qualify for discounts such as pay in full, advance payment, good student or claims-free

Teenagers typically pay more for car insurance than their older counterparts do. Married drivers, on average, pay a bit less than single people, and people with recent at-fault accidents or higher mileage totals pay more. Comparing quotes is still important, though.

For instance, teen drivers or drivers recently in accidents can get vastly different quotes from various insurers and save money. Each insurer uses a different formula to calculate risk. Discounts can be very helpful, too, and insurers usually have many of them. Compare quotes from various insurers with VIU by HUB to ensure you have the right car insurance in Hopkinsville in case an accident occurs.

Types of Insurance You Need

Kentucky requires motorists to carry at least a minimum amount of auto insurance. They can choose a policy with a single $60,000 limit or explore 25/50/25 coverage. These numbers refer to $25,000 worth of coverage for claims linked to bodily injuries one person sustains, $50,000 worth of coverage for claims linked to all bodily injuries all people in an accident sustain and $25,000 for property damage claims relating to one accident.

Motorists must also have $10,000 worth of personal injury protection coverage. It can help pay for medical expenses and lost income.

Optional Insurance for More Coverage and Peace of Mind

Many drivers get covered beyond the 25/50/25 minimums. They can also get coverage such as collision and comprehensive. If you have a loan on your car, chances are that the lender requires these types of insurance as well.

Collision coverage can help repair or replace your car regardless of fault. It can also apply if your car hits a tree or fence. Comprehensive coverage relates to cases of vandalism, fire, theft and falling objects. In Hopkinsville, you may have a one in 331 chance of being the victim of a vehicle theft. Some types of insurance can get you rental car coverage in such cases.

Motorists can also opt for coverage that protects them in case they're involved in an accident with someone at fault who is uninsured or underinsured. Despite legal requirements, not everyone is insured or fully insured, and medical bills or property damage could exceed coverage limits. Uninsured/underinsured car insurance in Hopkinsville helps with that. Use VIU by HUB to simplify the process of comparing quotes from various insurers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau


Weather Spark


Kentucky Transportation Cabinet


Auto insurance in Kentucky by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.