quality icon

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 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 Kentucky

If you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,813 per year or $151 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also provides affordable insurance rates in Kentucky for a full coverage policy at an average annual insurance cost of $2,259 or $188 monthly.

While these companies offer some of the lowest average premiums in Kentucky, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in Kentucky

Graph
Table
Company nameAverage per month costAverage annual cost
Travelers$151$1,813
GEICO$188$2,259
Shelter Insurance$211$2,538
Auto-Owners$212$2,549
Progressive$255$3,063
Kentucky Farm Bureau$289$3,473
State Farm$319$3,827
Allstate$381$4,571
Farmers$496$5,954
USAA*$135$1,619
*USAA is only available to military community members and their families.
Powered by:

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 2023 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.

Average cost of car insurance by coverage levels in Kentucky

The 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 year

While 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 cost
State minimum liability-only$708
Liability only$957
Full coverage$2,976
Non-owner state minimum liability$399
Powered 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 city

Average car insurance cost in Kentucky by city

Where you live in Kentucky can have a big impact on your car insurance rates.

If you’re located in cities like Louisville, Jeffersonville, or Covington, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.

On the other hand, drivers in cities like Owensboro and Richmond tend to pay much lower insurance premiums, between $2,303 and $2,339 per year.

These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.

CityAverage annual cost
Owensboro$2,303
Richmond$2,339
Elizabethtown$2,369
Florence$2,392
Nicholasville$2,408
Lexington$2,420
Bowling Green$2,433
Georgetown$2,435
Jeffersontown$2,471
Covington$2,524
Jeffersonville$2,668
Louisville$3,177
Powered by:

Average car insurance cost in Kentucky by age

Age plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.

Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.

Let’s break down what you can expect to pay in Kentucky for full coverage, depending on your age and gender.

Average car insurance cost in Kentucky for young drivers

As a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.

In Kentucky, 20-year-old male drivers pay an average of $6,799 per year for car insurance, while their female counterparts pay $5,505 for the same coverage.

However, by age 25, average car insurance costs drop to about $3,689 per year for male drivers and $3,373 for female drivers.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$6,799$5,505
21$5,266$4,467
22$4,953$4,347
23$4,505$4,017
24$4,262$3,820
Powered by:

Average car insurance cost in Kentucky for adult drivers

An adult driver aged 25-60 in Kentucky pays $3,006 per year for full coverage, or $250 each month. Female drivers of the same age pay $2,953 annually or $246 monthly.

Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$3,689$3,373
30$3,115$3,122
35$3,025$3,038
40$2,972$2,980
45$2,949$2,951
50$2,837$2,792
55$2,755$2,720
60$2,721$2,677
Powered by:

Average car insurance cost in Kentucky for senior drivers

As a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,713 per year, and women pay $2,675.

By age 70, those averages increase to $2,831 for men and $2,731 for women. At 75, premiums rise again, reaching $3,140 for male drivers and $2,976 for female drivers.

Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.

Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$2,713$2,675
70$2,831$2,731
75$3,140$2,976
Powered by:

Minimum car insurance requirements in Kentucky

Whether you’re purchasing a policy for the first time or relocating to Kentucky, it’s important to understand the state’s liability coverage requirements.

Drivers in Kentucky must carry at least the following minimum coverage limits to stay compliant with the law:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000

Cheapest cars to insure in Kentucky

Insurance 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 premium
Chrysler Voyager$2,354
Hyundai Venue$2,380
Volkswagen Tiguan$2,396
Chevrolet Express$2,444
Honda CR-V$2,445
Subaru Forester$2,453
Honda HR-V$2,470
Volkswagen Taos$2,503
Ford Maverick$2,514
Hyundai Kona$2,516
Powered by:

Most expensive cars to insure in Kentucky

Mercedes-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 premium
Mercedes-AMG EQS$9,134
BMW M8 Gran Coupe$7,882
Maserati Quattroporte$7,838
Audi e-tron GT$7,804
Audi RS7$7,599
BMW M8$7,510
Nissan GT-R$7,485
Mercedes-AMG G63$7,439
Porsche 911 Turbo$7,380
BMW i7$7,371
Powered 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.

Methodology

Insure.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, including

  • Full 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 limits
  • Liability-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 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
Show more
author image
Shivani Gite
Contributing Writer

 
|
  

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.

ZIP Code Please enter valid ZIP