Average Car Insurance Cost in Kentucky (2024 Rates)

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34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Kentucky, the average annual premium is $2,228, per year or $186 monthly. This contrasts with the national average of $1,895, highlighting a variation of $333. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Kentucky, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Average annual cost
$2,228

Average per month cost
$186

Average cost for state minimum coverage
$606 / Year

Cheapest car insurance company
Travelers($1,804 / Year)

Average cost for young drivers
$3,592 / Year

Average cost for Senior drivers
$2,220 / Year

Key Takeaways

The average car insurance cost in Kentucky is $2,228 per year, based on Insure.com’s analysis.
In Kentucky, the average premium for car insurance is $186 per month.
Travelers has the cheapest car insurance rates in Kentucky, at an average annual rate of $1,804 a year.

Average car insurance cost in Kentucky per month

In Kentucky, car insurance costs around $186 per month on average.

It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Kentucky, it’s wise to obtain quotes from multiple firms.

Cheapest car insurance companies in Kentucky

The table below lists the other available car insurance companies which offer car insurance in Kentucky, along with their average cost per month and average annual cost.

Affordable car insurance providers in Kentucky

Graph

Table

Company name	Average per month cost	Average annual cost
Travelers	$150	$1,804
Auto-Owners	$159	$1,911
Shelter Insurance	$160	$1,917
GEICO	$175	$2,106
Kentucky Farm Bureau	$176	$2,113
Progressive	$226	$2,714
State Farm	$229	$2,753
Allstate	$261	$3,127
Farmers	$296	$3,548
USAA*	$152	$1,820

*USAA is only available to military community members and their families.

Read our guide to cheap car insurance companies

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*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 Kentucky

The extent of coverage you select determines car insurance costs in Kentucky. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.

Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Kentucky amounts to $810.

Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Kentucky stands at $2,228.

Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Kentucky, the average annual cost for non-owner state minimum liability coverage stands at $375.

Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $606 in Kentucky.

1State minimum:$606

2Liability only:$810

3Full coverage:$2,228

4Non-owners:$375

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

Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.

The table below depicts the top popular cities in Kentucky:

City	Average annual cost
Bowling Green	$1,987
Covington	$2,038
Elizabethtown	$1,910
Florence	$1,928
Georgetown	$2,001
Jeffersontown	$2,175
Jeffersonville	$2,176
Lexington	$1,945
Louisville	$2,359
Nicholasville	$1,992
Owensboro	$1,863
Richmond	$1,919

Average car insurance cost in Kentucky by age of the driver

Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Kentucky, the average annual rate for young drivers is $3,592, whereas for seniors, it’s $2,220. Notably, the rate for young drivers surpasses that of senior drivers by $1,372.

Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.

Average car insurance cost in Kentucky for young drivers

In Kentucky, female young drivers typically pay an average annual car insurance cost of $3,354 and $280 per month.

Conversely, male young drivers pay an average annual rate of $3,831, or $319 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$4,856	$4,072
21	$3,999	$3,448
22	$3,701	$3,286
23	$3,414	$3,062
24	$3,192	$2,911

Average car insurance cost in Kentucky for senior drivers

In Kentucky, senior female drivers pay an annual car insurance cost of $2,183, equating to $182 per month. Similarly, male senior drivers face an average yearly expense of $2,257, or $188 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$2,117	$2,051
70	$2,210	$2,155
75	$2,448	$2,346

Minimum car insurance requirements in Kentucky

Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Kentucky Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Kentucky:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $25,000

Cheapest cars to insure in Kentucky

According to Insure.com data study, Ford Maverick has the lowest premium of $1,924. Chevrolet TrailBlazer is followed closely at $1,982 per year. The difference in the cost of insuring these two models is $58 annually.

Make	Model	Average annual premium
Ford	Maverick	$1,924
Chevrolet	TrailBlazer	$1,982
Mazda	CX-30	$2,004
Kia	Seltos	$2,024
Honda	HR-V	$2,030
Hyundai	Venue	$2,052
Volkswagen	Taos	$2,062
Toyota	Corolla Cross	$2,106
Buick	Encore GX	$2,107
Honda	CR-V	$2,141

Most expensive cars to insure in Kentucky

Topping the list as the most expensive car to insure is the BMW I7, at an average annual premium of $7,440. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,516.

Make	Model	Average annual premium
BMW	I7	$7,440
BMW	Alpina B8	$7,391
Mercedes	EQS	$7,290
Audi	RS E-tron GT	$7,203
Land Rover	Range Rover P530 Autobiography	$7,111
Porsche	Panamera Turbo S E-Hybrid	$7,084
Porsche	911 Carrera GT3 RS	$6,954
Audi	R8	$6,796
Porsche	911 Sport Classic	$6,750
Genesis	G90	$6,636

Methodology

The Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits:

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

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed