For a 40-year-old driver with a clean record, car insurance in Elizabethtown, KY, averages about $221 a month ($2,654 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 3% under Kentucky’s $229 monthly average. Travelers has the lowest full-coverage average in our Elizabethtown table, at about $124 a month.
Elizabethtown, on Interstate 65 about 40 miles south of Louisville, costs slightly less to insure than the Kentucky average. Our benchmark driver pays about $8 a month less here. If you’re comparing car insurance quotes in Elizabethtown, KY, start with the insurers below.
Our data has one Elizabethtown ZIP code, 42701, so the city average is that ZIP code’s average. For statewide prices, see our Kentucky car insurance quotes guide, which also compares the car insurance companies in Kentucky we price.
Cost data comes from the auto rates insurers file with state regulators, priced in Elizabethtown’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, car insurance in Elizabethtown, KY, runs about $221 a month ($2,654 a year) for full coverage, or $71 for liability-only coverage at 25/50/10 limits, using rates insurers had filed with state regulators as of Aug. 31, 2026. The Kentucky average is $229 a month, so that figure is 3% lower.
Looking for cheap car insurance in Elizabethtown, KY? Travelers has the lowest full-coverage average in our Elizabethtown table, about $124 a month, and among the five major insurers we compared (Allstate, Kentucky Farm Bureau, Progressive, Safeco and State Farm), Progressive is lowest, at $147. For the statewide picture, see cheap auto insurance in Kentucky.
Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among these five insurers, at about $52 a month, followed by Progressive at $60.
Full-coverage averages by insurer in Elizabethtown
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $717 | $60 | $1,769 | $147 |
| State Farm | $622 | $52 | $1,894 | $158 |
| Safeco | $793 | $66 | $3,019 | $252 |
| Kentucky Farm Bureau | $764 | $64 | $3,020 | $252 |
| Allstate | $1,336 | $111 | $3,568 | $297 |
| Travelers* | $564 | $47 | $1,493 | $124 |
| Shelter Insurance* | $750 | $63 | $1,742 | $145 |
| GEICO* | $638 | $53 | $1,897 | $158 |
| Auto-Owners* | $710 | $59 | $2,082 | $174 |
| Elizabethtown average | $846 | $71 | $2,654 | $221 |
This table uses Elizabethtown’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $43 a year on average in our Elizabethtown data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Safeco charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Elizabethtown ZIP code, full coverage averaged $2,855 a year nine months earlier and $2,654 in rates as of Aug. 31, 2026, a 7.0% drop. Progressive cut its Elizabethtown average 23.2%, Kentucky Farm Bureau 8.9% and State Farm 8.6%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.0%, led by Progressive, which cut its liability-only average 16.1%, while Kentucky Farm Bureau raised its 1.7%.
Hardin County, which also includes Radcliff and part of the Fort Knox Army post, averages $2,710 a year for full coverage in our data, close to the middle of the 99 Kentucky counties we price. Nearby Cecilia averages about $223 a month and Hodgenville $229. Military families may also want to compare USAA, which sells only to military members, veterans and their families. These prices are for a personal car; a vehicle used for business needs commercial auto insurance, which insurers price separately.
Kentucky cities and counties can tax insurance premiums, and Elizabethtown charges 8% on car insurance for 2026-27, according to the state’s 2026-27 tax schedule. Your insurer must list the tax and the city or county it goes to on your bill. Compare other places in our Kentucky car insurance tax by city guide.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Radcliff, about 11 miles northwest, averages $227 a month, and Louisville averages $259. Jeffersontown, about 38 miles northeast, averages $223.
Drivers in Elizabethtown follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Elizabethtown, KY, costs about $221 a month ($2,654 a year) for full coverage and $71 for liability-only coverage at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Elizabethtown table, at about $124 a month, followed by Shelter Insurance at $145. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $147 a month, with State Farm close behind at $158. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among the five major insurers we compared, at about $52 a month. Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. Kentucky lets cities and counties tax insurance premiums, and Elizabethtown’s rate on car insurance is 8% for 2026-27, according to the Kentucky Department of Insurance’s schedule, or about $80 on a $1,000 premium. Your insurer must show the tax and the taxing jurisdiction on your bill.
Yes, for our benchmark driver. Elizabethtown full coverage averages about $221 a month and Louisville about $259, a difference of about $38 a month for the same driver and car.
In our Elizabethtown data, full coverage (100/300/100 with $500 deductibles) averages about $221 a month and liability-only coverage at 25/50/10 limits about $71, a difference of about $150 a month ($1,808 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kentucky law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Elizabethtown must carry Kentucky’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (or a single $60,000 limit), $10,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per crash unless you reject it in writing. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Elizabethtown full coverage fell 7.0% over the past nine months, from about $2,855 to $2,654 a year. Progressive cut its Elizabethtown average 23.2%, Kentucky Farm Bureau 8.9% and State Farm 8.6%. Liability-only coverage at 25/50/10 limits fell 4.0%.
For our benchmark driver, full coverage in Elizabethtown averages about $221 a month. Nearby, Radcliff averages about $227, Jeffersontown about $223 and Louisville about $259. Elizabethtown is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
