Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Kentucky Average car insurance cost in Kentucky A full-coverage car insurance policy in Kentucky costs an average of $2,976 a year or $248 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,976 a year or $248 per month for Kentucky drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $708 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,976 Average per month cost $248 Average cost for state minimum coverage $957 / Year Cheapest car insurance company Travelers($1,813 / Year) Average cost for young drivers $4,796 / Year Average cost for Senior drivers $2,844 / Year Average car insurance cost in Kentucky If you’re a resident of Kentucky, full coverage car insurance typically costs about $248 per month, adding up to $2,976 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $59, or $708 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in KentuckyTravelers has the cheapest rates, at an average annual cost of $1,813 or $151 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $188 per month or $2,259 annually.While these insurance companies have some of the lowest average rates in Kentucky, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Kentucky Graph Table Company nameAverage per month costAverage annual costTravelers$151$1,813GEICO$188$2,259Shelter Insurance$211$2,538Auto-Owners$212$2,549Progressive$255$3,063Kentucky Farm Bureau$289$3,473State Farm$319$3,827Allstate$381$4,571Farmers$496$5,954USAA*$135$1,619*USAA is only available to military community members and their families.Powered by: Kentucky car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Kentucky Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Kentucky Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,206/year Full Coverage$3,223/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in KentuckyThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $59 per month, or $708 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Kentucky, the average cost for full coverage is $248 per month, or $2,976 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$708Liability only$957Full coverage$2,976Non-owner state minimum liability$399Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Kentucky by cityGeorgetown Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Kentucky by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Louisville, Jeffersonville or Covington, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Owensboro or Richmond pay significantly low insurance rates, on average between $2,303 and $2,339 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costOwensboro$2,303Richmond$2,339Elizabethtown$2,369Florence$2,392Nicholasville$2,408Lexington$2,420Bowling Green$2,433Georgetown$2,435Jeffersontown$2,471Covington$2,524Jeffersonville$2,668Louisville$3,177Powered by:Average car insurance cost in Kentucky by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Kentucky for a full coverage policy based on your age and gender.Average car insurance cost in Kentucky for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Kentucky pay an average of $6,799 per year for car insurance, while females of the same age pay $5,505.But by the time you turn 25, insurance premiums drop to $3,689 a year on average for male drivers and $3,373 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,799$5,50521$5,266$4,46722$4,953$4,34723$4,505$4,01724$4,262$3,820Powered by:Average car insurance cost in Kentucky for adult driversOn average, an adult male driver in Kentucky pays $3,006 a year for full coverage or $250 per month. Women pay $2,953 a year or $246 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,689$3,37330$3,115$3,12235$3,025$3,03840$2,972$2,98045$2,949$2,95150$2,837$2,79255$2,755$2,72060$2,721$2,677Powered by:Average car insurance cost in Kentucky for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,713 per year, while women pay $2,675. But by age 70, average premiums rise to $2,831 for men and $2,731 annually for women. At 75, rates increase even further – $3,140 for male drivers and $2,976 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,713$2,67570$2,831$2,73175$3,140$2,976Powered by:Minimum car insurance requirements in KentuckyWhether you’re buying your first insurance policy or just moved to Kentucky, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Kentucky must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in KentuckyInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Chrysler Voyager has the lowest premium, at an average of $2,354 a year, closely followed by Hyundai Venue, with an average annual car insurance cost of $2,380.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumChrysler Voyager$2,354Hyundai Venue$2,380Volkswagen Tiguan$2,396Chevrolet Express$2,444Honda CR-V$2,445Subaru Forester$2,453Honda HR-V$2,470Volkswagen Taos$2,503Ford Maverick$2,514Hyundai Kona$2,516Powered by:Most expensive cars to insure in KentuckyMercedes-AMG EQS stands out as the most expensive car to insure in Kentucky, with an average annual cost of $9,134.The table below shows the most expensive vehicles to insure in Kentucky along with their average annual insurance costs.Make ModelAverage annual premiumMercedes-AMG EQS$9,134BMW M8 Gran Coupe$7,882Maserati Quattroporte$7,838Audi e-tron GT$7,804Audi RS7$7,599BMW M8$7,510Nissan GT-R$7,485Mercedes-AMG G63$7,439Porsche 911 Turbo$7,380BMW i7$7,371Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in KentuckyCheapest car insurance companies in KentuckyAverage cost of car insurance by coverage levels in KentuckyAverage car insurance cost in Kentucky by cityAverage car insurance cost in Kentucky by ageMinimum car insurance requirements in KentuckyCheapest cars to insure in KentuckyMost expensive cars to insure in KentuckyMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330