Home Car insurance Car insurance calculator Kentucky car insurance calculator Kentucky car insurance calculator 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: November 13, 2025 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. Car insurance is essential in Kentucky, but finding the right plan at the right price isn’t always easy. That’s where our Kentucky car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in Kentucky. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in Kentucky: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 year20242023202220212020201920182017201620152014 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 MinimumNA* Liability coverage$1,206/year Full Coverage$3,223/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? 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by: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 – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $4,922, while insuring the 2024 model costs $2,763. Quick tip: Check your state’s minimum coverage rulesEvery state sets its own minimum car insurance requirements, and Kentucky is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Kentucky can lead to fines, license suspension and even vehicle impoundment. 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 How your car’s trim affects insurance rates in KentuckyInsurance 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 KentuckyCar insurance calculator for teens in KentuckyDo you need insurance to register a car in Kentucky?How much is gap insurance in KentuckyKentucky car insurance: Rates, state minimum requirements and best companiesLow-cost car insurance in KentuckyNon-owner car insurance in Kentucky: Which company has the cheapest rates?The best, cheapest car insurance in KentuckyBest and cheapest companies for home and auto bundles in KentuckySee more How much drivers pay for car insurance in KentuckyIn Kentucky, the average cost of full-coverage car insurance is $2,976 per year or $248 per month. Your premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Kentucky, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,976$248Liability Only – 50/100/50 BI/PD$957$80State Minimum BI/PD$708$59Non-Owners$399$33Powered by:Car insurance costs in Kentucky by cityCar 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 KentuckyCityAvg. Annual PremiumAvg. Monthly PremiumAdairville$2,234$186Franklin$2,241$187Paint Lick$2,254$188Rockfield$2,261$188St. Matthews$2,271$189Auburn$2,295$191Owensboro$2,303$192Olmstead$2,308$192Glasgow$2,310$193Salvisa$2,310$192Danville$2,313$193Oakland$2,323$194Cave City$2,327$194Junction City$2,328$194Reed$2,334$194Perryville$2,335$195Versailles$2,337$195Richmond$2,339$195Park City$2,340$195Fort Thomas$2,343$195Powered by:Top 20 cities with most expensive car insurance in rates KentuckyCityAvg. Annual PremiumAvg. Monthly PremiumLookout$4,441$370Goose Rock$4,398$366Saul$4,292$358Hoskinston$4,207$351Gray Hawk$4,203$350Busy$4,165$347Oneida$4,137$345Manchester$4,131$344Bulan$4,121$343Buckhorn$4,120$343Happy$4,119$343Bear Branch$4,116$343Bonnyman$4,101$342Slemp$4,094$341Cornettsville$4,091$341Vicco$4,090$341Viper$4,077$340Hyden$4,067$339Waneta$4,063$339Thousandsticks$4,061$338Powered by:Estimate your Kentucky car insurance cost with our calculatorOur Kentucky car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in Kentucky:How much does your vehicle model affect car insurance rates in Kentucky?Does your car's model year affect insurance rates in Kentucky?How your car's trim affects insurance rates in KentuckyHow much drivers pay for car insurance in KentuckyCar insurance costs in Kentucky by cityEstimate your Kentucky car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330