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: September 30, 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 If you’re in Kentucky, your monthly cost for full coverage car insurance is $248, which adds up to $2,976 per year. For minimum coverage, expect to pay an average of $59 monthly, or $708 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 KentuckyIf 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 provides the lowest full coverage rates, for an average cost of $1,813 per year or $151 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Kentucky drivers at an average cost of $2,259 a year or $188 per month.Although these insurers offer some of the most affordable average rates in Kentucky, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: Updated with latest data Kentucky car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Kentucky Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $1,206/Year OR $101/month Full Coverage $3,223/Year OR $269/month Kentucky Get Quote Get Quote 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 - + *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 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 KentuckyYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $59 a month, or about $708 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Kentucky pay around $248 per month, or roughly $2,976 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 cityCar insurance rates can vary widely depending on where you live, even within Kentucky.Cities like Louisville, Jeffersonville, or Covington tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Owensboro or Richmond, with average annual premiums between $2,303 and $2,339.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageAge 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 driversAs 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 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 driversAn 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 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 driversAs 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 drivers65$2,713$2,67570$2,831$2,73175$3,140$2,976Powered by:Minimum car insurance requirements in KentuckyWhether 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: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in KentuckyThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Chrysler Voyager is one of the cheapest cars to insure in Kentucky, with an average premium of $2,354 per year. Hyundai Venue has an average annual cost of $2,380.The table below shows the cars with the lowest average insurance 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 tops the list as the most expensive car to insure in Kentucky, at an average annual cost of $9,134. Below is a list of the most expensive vehicles to insure in Kentucky and their average annual premiums.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 costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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 25-26Senior 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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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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