If you are looking for auto insurance in Kentucky, knowing how much it will cost is a promising idea. The average premium for car insurance in Kentucky is $2,104 per year or $175 per month. While the national average is $1,682. There is a difference of $422 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Kentucky, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Kentucky per month

In Kentucky, the average premium for car insurance is $175 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Kentucky, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Kentucky is GEICO General Ins Co. The average annual cost is $1,514 while the average cost per month is $126. The second-best option available is, USAA, offering insurance at an average per month cost of $127.

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.

Company nameAverage per month costAverage annual cost
GEICO General Ins Co$126$1,514
USAA$127$1,525
State Farm Mutl Automobile Ins$134$1,609
Standard Fire Ins Co$135$1,614
Auto-Owners Ins Co$146$1,748
Nationwide Ins Co of Am$148$1,770
Progressive Direct Ins Co$183$2,199
KY Farm Bureau Mutual Ins Co$184$2,204
Allstate P&C Ins Co$220$2,639
Metropolitan P&C Ins Co$351$4,213

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Kentucky

The amount of coverage you purchase has an impact on how much car insurance costs in Kentucky. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Kentucky is $946.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Kentucky is $2,104 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Kentucky, the average annual cost for non-owner state minimum liability only is $541.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $738 per year in Kentucky.

Coverage limitsAverage annual cost
50/100/50 Liability Only$946
100/300/100 Liability with $500 Comp/Coll Deductible$2,104
Non-Owner State Minimum Liability Only$541
State Minimum Liability Only$738

Average car insurance cost in Kentucky by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Kentucky:

CityAverage annual cost
Louisville$2,234
Lexington$1,613
Bowling Green$1,547
Owensboro$1,435
Covington$1,566
Richmond$1,506
Georgetown$1,552
Florence$1,481
Nicholasville$1,555
Hopkinsville$1,674

Average car insurance cost in Kentucky by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Kentucky is $3,960 while for seniors is $2,112. Here, the rate for young drivers is $1,848 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Kentucky for young drivers

The average car insurance cost for female young drivers in Kentucky is $3,725 per year or $310 per month and rate for a male young driver is $4,196 per year or $350 per month.

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

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$7,094$6,147
19$5,379$4,606
20$4,967$4,275
21$3,890$3,457
22$3,439$3,134
23$3,200$2,932
24$2,992$2,770
25$2,608$2,477

Average car insurance cost in Kentucky for senior drivers

In Kentucky, the cost of car insurance for senior female driver is $2,108 per year or $176 per month and cost of car insurance for male senior driver is $2,116 per year or $176 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,936$1,934
70$2,086$2,094
75$2,326$2,297

Read more about senior car insurance

Summary of average car insurance cost in Kentucky
Average annual cost
$2,104
Average per month cost
$175
Average cost for state minimum coverage
$738 / Year
Cheapest car insurance company
GEICO General Ins Co
($1,514/ Year)
Average cost for young drivers
$3,960 / Year
Average cost for Senior drivers
$2,112 / Year
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