Kentucky Car insurance calculator

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If you drive in Kentucky, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Kentucky car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Kentucky, making it easier to compare options and choose the coverage that’s right for you.

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.

Updated with latest data

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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.

Does your vehicle model affect car insurance rates in Kentucky?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Kentucky is $2,904, while the average premium for a Honda CR-V is $2,445 – that’s a difference of $459 annually.

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

In Kentucky, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $4,922, compared to $2,763 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Kentucky, you must have at least the minimum liability coverage to drive legally. This typically includes:

Bodily injury liability per person and per accident
Property damage liability

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Kentucky can result in fines, license suspension or 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 city

Georgetown

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How your car’s trim affects insurance rates in Kentucky

Your car’s trim is one of the factors insurers use to calculate premiums in Kentucky. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in Kentucky is about $4,922 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $4,046, which is $876 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

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Average car insurance costs in Kentucky

The average annual premium for a full coverage car insurance policy in Kentucky is $2,976 or $248 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Kentucky, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,976	$248
Liability Only – 50/100/50 BI/PD	$957	$80
State Minimum BI/PD	$708	$59
Non-Owners	$399	$33

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

City	Avg. Annual Premium	Avg. Monthly Premium
Adairville	$2,234	$186
Franklin	$2,241	$187
Paint Lick	$2,254	$188
Rockfield	$2,261	$188
St. Matthews	$2,271	$189
Auburn	$2,295	$191
Owensboro	$2,303	$192
Olmstead	$2,308	$192
Glasgow	$2,310	$193
Salvisa	$2,310	$192
Danville	$2,313	$193
Oakland	$2,323	$194
Cave City	$2,327	$194
Junction City	$2,328	$194
Reed	$2,334	$194
Perryville	$2,335	$195
Versailles	$2,337	$195
Richmond	$2,339	$195
Park City	$2,340	$195
Fort Thomas	$2,343	$195

Top 20 cities with most expensive car insurance in rates Kentucky

City	Avg. Annual Premium	Avg. Monthly Premium
Lookout	$4,441	$370
Goose Rock	$4,398	$366
Saul	$4,292	$358
Hoskinston	$4,207	$351
Gray Hawk	$4,203	$350
Busy	$4,165	$347
Oneida	$4,137	$345
Manchester	$4,131	$344
Bulan	$4,121	$343
Buckhorn	$4,120	$343
Happy	$4,119	$343
Bear Branch	$4,116	$343
Bonnyman	$4,101	$342
Slemp	$4,094	$341
Cornettsville	$4,091	$341
Vicco	$4,090	$341
Viper	$4,077	$340
Hyden	$4,067	$339
Waneta	$4,063	$339
Thousandsticks	$4,061	$338

Want to know what you’ll pay? Use the Kentucky car insurance calculator

Use the Kentucky car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

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.

On this page

How to use our car insurance calculator to estimate your rates in Kentucky:
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 Kentucky
Average car insurance costs in Kentucky
Car insurance costs in Kentucky by city
Want to know what you'll pay? Use the Kentucky car insurance calculator

Kentucky car insurance calculator