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As a motorist in Kentucky, understanding the significance of securing car insurance that complies with the state’s minimum requirements is crucial. Yet, discovering the optimal coverage that aligns with your budget can be a challenging endeavor. This is where our Kentucky car insurance calculator proves invaluable.

Utilize our auto insurance calculator to approximate your annual and monthly car insurance expenses in Kentucky, taking into account your vehicle’s make and model. This empowers you to make well-informed decisions about your coverage. 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.

How much is vehicle model important in calculating car insurance in Kentucky

Car insurance rates in Kentucky can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $1,701 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in Kentucky, the yearly insurance might be $1,561. So, it’s $140 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Kentucky using car model year

In Kentucky and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $1,129 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $1,660 per year.

Does the cost of car insurance in Kentucky decrease as a vehicle gets older?

Usually, in Kentucky, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Kentucky.

People driving a 2020 Honda Accord LX in Kentucky usually pay $144 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $133 each month in Kentucky, which is $11 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Kentucky by city

Car insurance cost estimate in Kentucky

The average premium for car insurance in Kentucky is $2,105 per year or $175 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Kentucky for different coverage levels.

Car insurance in Kentucky usually costs about $2,105 per year or $175 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in Kentucky for different coverage levels.

50/100/50 Liability OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only
$927 $2,105 $522 $717

The bottom line: Kentucky car insurance calculator

The Kentucky car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.

How much is car insurance in other states

Washington D.C.$1,858/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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