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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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 012345 1 of 6 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: *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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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 Minimum$876/year Liability coverage$1,353/year Full Coverage$3,237/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in KentuckyYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $59 per month or $708 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Kentucky, drivers typically pay $248 per month or $2,976 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 citySee rates in your 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 is one of the most expensive vehicles to insure in Kentucky, with an average annual cost of $9,134.Below is a list of the costliest vehicles to insure in Kentucky and their average 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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young 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 states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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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