Best Car Insurance in Radcliff 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Radcliff.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 20, 2021Chevrolet Malibu LS4016035Bristol West$187/mo.$68/mo.
September 30, 2021Honda Pilot Touring4016026Progressive$150/mo.$70/mo.
April 15, 2021Volkswagen Golf Gl4016028Progressive$141/mo.$89/mo.
January 26, 2021Hyundai Elantra SE4016024Progressive$195/mo.$128/mo.
February 21, 2021Chevrolet Impala Limited LTZ4016021Progressive$227/mo.$163/mo.
Here’s more information about what impacts the insurance rates in your Radcliff.

How much does car insurance cost in Radcliff?

Car insurance in Radcliff, Kentucky costs single-car drivers an average of $3,540 annually, or about $295 per month. Compared to the state annual average of $2,960, auto insurance in Radcliff is $580 higher lower.
Bordering the Fort Knox military base, Radcliff is home to many military families, veterans, and Fort Knox employees. Off the base, Radcliff residents enjoy taking advantage of several local hiking trails, exploring the Saunders Springs Nature Preserve, and paying their respects at the Kentucky Veterans Cemetery.
Because of the strong military affiliation in this city, Radcliff drivers can qualify for car insurance discounts for military members and their families.
To help you figure out everything else you need to know about car insurance in Radcliff, the car insurance comparison super app Jerry has compiled this helpful guide.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Radcliff$3,479$1,911$2,859$1,632$4,632$1,950
National Average$3,223$2,143$3,086$1,764$3,423$2,486
RadcliffNational Average
All Coverage Before Jerry
$3,479$3,223
All Coverage After Jerry
$1,911$2,143
Minimum Coverage Before Jerry
$2,859$3,086
Minimum Coverage After Jerry
$1,632$1,764
Full Coverage Before Jerry
$4,632$3,423
Full Coverage After Jerry
$1,950$2,486
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Choosing a carrier in Radcliff

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
USAA is one of the most popular insurance carriers in Radcliff for drivers who are affiliated with the military. Other great options include State Farm, GEICO, and Nationwide.
Of course, the best choice for you will depend on your demographics, driving history, and more.
Here’s what drivers pay with some of the most popular insurance providers in Radcliff before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$2,886$984Compare Prices
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What kind of car insurance you need in Radcliff

In Radcliff, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Kentucky, drivers are required to carry liability insurance with at least the following coverage levels:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Although liability coverage will protect others if you get into an at-fault accident, it won’t protect your vehicle. That’s why it’s usually beneficial to buy more than the minimum required insurance.
Here are some additional types of coverage that would benefit Radcliff drivers:
FactorRecommended coverageDescription
TrafficCollision insuranceCollision insurance covers damages sustained due to a collision with another vehicle or a stationary object, like a tree or a telephone pole.
Severe weatherComprehensive insuranceComprehensive insurance covers damage to your car from extreme weather events, like tornadoes or vicious storms, as well as other unexpected events like vandalism or theft.
Uninsured driversUninsured motorist coverageAround 14% of Kentucky drivers lack car insurance. Uninsured motorist insurance helps protect you financially if you get into an accident with a driver whose coverage levels don’t meet the state minimums.
Rural roadsRoadside assistanceThis coverage will pay for towing, tire changes, battery jumpstarts, and more. If your car breaks down on the outskirts of town, this would be a great coverage to have.

What determines your car insurance cost in Radcliff

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Radcliff, you could be paying as much as $57 more per month than an adult driver. These are average rates for Jerry customers in Radcliff broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$2,862$597
25-34$2,648$953
35-44$3,114$1,257
45-54$4,592$2,504
55-64$912$42
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Radcliff with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,691$1,721
DUI$4,800$1,948
Speeding under 15$2,280$779
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Where in Radcliff you live

It may seem like insurance rates in Radcliff should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Radcliff, residents of -- will have the most expensive car insurance rates, while people who live in 40160 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Radcliff:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 30, 202140160Honda Pilot TouringKY26Progressive$150/mo.$70/mo.
September 21, 202140160Mercury Mountaineer LuxuryKY34Bristol West$190/mo.$88/mo.
September 2, 202140160Dodge Avenger R/TKY35Progressive$263/mo.$115/mo.
October 13, 202140160Honda Odyssey LXKY28Progressive$279/mo.$204/mo.
August 21, 202140160Chevrolet Tahoe C1500KY24Progressive$312/mo.$211/mo.
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Why is car insurance in Radcliff so expensive?

A variety of considerations determine baseline car insurance rates in Radcliff. Insurance companies often consider the following:
Insurance companies consider all kinds of factors when setting your car insurance rates, but here are some factors that may specifically affect Radcliff drivers.

Shorter commute time

Many Radcliff residents work at neighboring Fort Knox, so their commute time is practically negligible. Drivers with higher average commute times often pay more on car insurance because their likelihood of getting into an accident goes up the longer they sit in traffic every day.
Radcliff drivers, on the other hand, tend to spend much less time in their cars on their way to work. In the eyes of an insurance company, those drivers are at a lower risk of getting into an accident.

High number of uninsured drivers

Around 14% of Kentucky drivers hit the road without car insurance. When the number of uninsured motorist claims goes up, many insurance companies raise their rates for insured drivers in order to account for the heightened risk.

How can you save money on car insurance in Radcliff?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Be sure to ask your provider about any available insurance discounts for which you may qualify. Many companies offer discounts based on the driver, the vehicle, or the policy, and you may even be eligible for multiple discounts.
Here are some common discounts to ask about:
DiscountDescription
Military discountSeveral insurance companies offer discounts for active military members, military families, veterans, and sometimes inactive military members.
Vehicle storageUSAA offers discounted premiums to military members who store their vehicles while deployed.
Multi-policyBundling multiple insurance policies with the same provider (home and auto, for example) could get you a discounted rate on each one.
Defensive drivingTaking a state-approved defensive driving course makes you a safer driver and can result in reduced premiums.
Good studentFull-time students who maintain at least a B average can often earn insurance discounts.
Accident-freeIf you’ve driven without getting into an accident for at least three years, you may be eligible for a discount on your policy.
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