Car insurance calculator for teens in Kentucky

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 for teens in Kentucky is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Kentucky. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Kentucky

AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$10,505 Average rate

$16,302 Highest
rate

$6,937 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Farmers	$16,302
Allstate	$16,254
Progressive	$14,816

Least expensive companies for auto insurance in ()

Company	Average annual rate
Shelter Insurance	$6,937
Kentucky Farm Bureau	$7,109
Auto-Owners	$7,115

Average car insurance costs for teens in Kentucky

Car insurance costs an average of $6,573 per year for teen drivers in Kentucky with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in Kentucky also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. Kentucky families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance rates in Kentucky, broken down by age

Car insurance costs for teens in Kentucky vary depending on age. For instance, a full coverage car insurance policy for a 16-year-old in Kentucky costs $8,200 per year. Once teens reach 19, the average cost falls to $4,894 annually.

Although these premiums are still much higher than those for adult drivers, the steady decline shows that coverage becomes more affordable as teens gain more experience driving.

Below you’ll find car insurance rates for teen drivers by age in Kentucky.

Teen car insurance in Kentucky, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Kentucky, a 16-year-old male driver pays about $9,230 annually, while a female of the same age pays $7,102 – a difference of $2,128.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Kentucky by gender.

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

Cheapest teen car insurance companies in Kentucky

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Kentucky, Shelter Insurance offers the cheapest coverage for drivers ages 16-19, averaging $5,244 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Auto-Owners at $5,272.

The table below lists the cheapest insurers for teen drivers in Kentucky.

Minimum coverage requirements for teens in Kentucky

In Kentucky, teen drivers must meet the same minimum liability requirements as adults:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Smart ways to save on car insurance for your teen

From choosing the right car to asking about discounts, taking a few smart steps can make coverage more affordable while keeping your teen safe on the road.

• Estimate the cost of coverage. Look up what families typically pay for teen drivers in your state. Having that ballpark figure helps you budget ahead of time and spot whether the quotes you receive are higher or lower than average.
• Buy a safer vehicle. A safe, reliable sedan will cost much less to insure than a flashy sports car or a luxury vehicle.
• Buy a full coverage policy. Basic liability is cheaper, but many families choose higher coverage for teens to protect against the bigger risks of accidents, costly vehicle repairs, or injuries to others.
• Ask about discounts. Many insurers offer savings if your teen gets good grades, takes a defensive driving course, or drives fewer miles.
• Talk to your teen about the responsibility that comes with driving. Bring your teen into the insurance conversation so they see that driving isn’t just about freedom-it’s about responsibility. Talking openly about risks and safety can help them make better choices behind the wheel that could protect their life and others on the road.
• Review your rates each year: As your teen gains experience and maintains a clean driving record, insurance costs often go down-making it worth checking your policy annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

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.

You might find interesting

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