Kentucky car insurance calculator

Why you can trust Insure.com

Quality Verified

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.

If you drive in Kentucky, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Kentucky car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Kentucky, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Kentucky

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

• Step 1: Choose the model year of your car.
• Step 2: Choose the make and model of your car.
• Step 3: Choose your state.
• Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
• Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Kentucky car insurance calculator

Tell us about your car to get an estimate.

Vehicle year Vehicle year2024202320222021202020192018201720162015

State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide

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

Vehicle already present. Please select a different vehicle.

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/year

Recommended

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.

How much does your vehicle model affect car insurance rates in Kentucky?

Car insurance rates in Kentucky vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.

A full coverage car insurance policy in Kentucky for a Honda Accord LX costs $2,904 annually, whereas a Honda CR-V costs $2,445 to insure in Kentucky – a difference of $459.

Does your car’s model year affect insurance rates in Kentucky?

In Kentucky, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $4,922 per year, while the 2024 model costs $2,763 annually to insure.

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.

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

How your car’s trim affects insurance rates in Kentucky

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Kentucky, full coverage car insurance for a 2023 Honda Accord LX costs $4,922 a year, while the higher-end Accord EX-L trim costs $4,046 annually – a difference of $876 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

You might find interesting

Explore related topics

• Average car insurance cost in Kentucky
• Car insurance calculator for teens in Kentucky
• Do you need insurance to register a car in Kentucky?
• How much is gap insurance in Kentucky
• Kentucky car insurance: Rates, state minimum requirements and best companies
• Low-cost car insurance in Kentucky
• Non-owner car insurance in Kentucky: Which company has the cheapest rates?
• The best and cheapest car insurance in Kentucky
• Best and cheapest companies for home and auto bundles in Kentucky

See more

What drivers pay for car insurance in Kentucky

In Kentucky, the average cost of full coverage car insurance is $2,976 per year, or $248 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in Kentucky, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

Car insurance costs in Kentucky by city

Car insurance rates in Kentucky vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Lookout pay $4,441 annually for full coverage, while those in Adairville pay closer to $2,234 per year.

Top 20 cities with cheapest car insurance rates in Kentucky

Top 20 cities with most expensive car insurance in rates Kentucky

Want to know what you’ll pay? Try our Kentucky car insurance calculator

Our Kentucky car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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.