Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Kentucky Average car insurance cost in Kentucky The average premium for car insurance in Kentucky is $2,228 per year or $186 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 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 want to secure auto insurance coverage in Kentucky, know the associated costs. On average, premiums for car insurance in Kentucky cost $2,228 per year or $186 monthly. While the national average is $1,682, highlighting a difference of $333.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Kentucky, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.Summary of average car insurance cost in KentuckyAverage annual cost $2,228Average per month cost $186Average cost for state minimum coverage $606 / YearCheapest car insurance company Travelers($1,804 / Year)Average cost for young drivers $3,592 / YearAverage cost for Senior drivers $2,220 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in Kentucky costs $2,228 per year.Car insurance in Kentucky costs $186 per month.Travelers has the cheapest car insurance rates in Kentucky, at an average annual rate of $1,804 a year. Average car insurance cost in Kentucky per monthIn Kentucky, the average monthly rate for car insurance is $186.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Kentucky, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in KentuckyThe table below lists the other available car insurance companies which offer car insurance in Kentucky, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costTravelers$150$1,804Auto-Owners$159$1,911Shelter Insurance$160$1,917Geico$175$2,106Kentucky Farm Bureau$176$2,113Progressive$226$2,714State Farm$229$2,753Allstate$261$3,127Farmers$296$3,548USAA$152$1,820Read our guide to cheap car insurance companies Kentucky car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Kentucky Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $3,013/Year OR $251/month Kentucky Get Quote Get Quote 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 - + *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. Average cost of car insurance by coverage levels in KentuckyThe extent of coverage you select determines car insurance costs in Kentucky. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Kentucky amounts to $810.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Kentucky stands at $2,228.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Kentucky, the average annual cost for non-owner state minimum liability coverage stands at $375.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $606 in Kentucky.Coverage limitsAverage annual costState Minimum BI/PD$606Liability Only – 50/100/50 BI/PD$810Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,228Non-Owners$375Auto 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 cityBowling GreenCovingtonGeorgetownOwensboroRichmondAverage car insurance cost in Kentucky by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Kentucky:CityAverage annual costBowling Green$1,987Covington$2,038Elizabethtown$1,910Florence$1,928Georgetown$2,001Jeffersontown$2,175Jeffersonville$2,176Lexington$1,945Louisville$2,359Nicholasville$1,992Owensboro$1,863Richmond$1,919Average car insurance cost in Kentucky by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Kentucky, the average annual rate for young drivers is $3,592, whereas for seniors, it’s $2,220. Notably, the rate for young drivers surpasses that of senior drivers by $1,372.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Kentucky for young driversIn Kentucky, female young drivers typically pay an average annual car insurance cost of $3,354 and $280 per month.Conversely, male young drivers pay an average annual rate of $3,831, or $319 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,856$4,07221$3,999$3,44822$3,701$3,28623$3,414$3,06224$3,192$2,911Average car insurance cost in Kentucky for senior driversIn Kentucky, senior female drivers pay an annual car insurance cost of $2,183, equating to $182 per month. Similarly, male senior drivers face an average yearly expense of $2,257, or $188 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,117$2,05170$2,210$2,15575$2,448$2,346Read more about senior car insurance.Minimum car insurance requirements in KentuckyEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Kentucky Department of Insurance, the required coverages and minimum coverage limits in Kentucky are as follows:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in KentuckyThe Ford Maverick has the most affordable average annual insurance premium, standing at $1,924. The Chevrolet TrailBlazer is followed closely at $1,982 per year. The difference in the cost of insuring these two models is $58 annually.MakeModelAverage annual premiumFordMaverick$1,924ChevroletTrailBlazer$1,982MazdaCX-30$2,004KiaSeltos$2,024HondaHR-V$2,030HyundaiVenue$2,052VolkswagenTaos$2,062ToyotaCorolla Cross$2,106BuickEncore GX$2,107HondaCR-V$2,141Most expensive cars to insure in KentuckyThe BMW I7, at an average annual premium of $7,440, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $5,516 annually.MakeModelAverage annual premiumBMWI7$7,440BMWAlpina B8$7,391MercedesEQS$7,290AudiRS E-tron GT$7,203Land RoverRange Rover P530 Autobiography$7,111PorschePanamera Turbo S E-Hybrid$7,084Porsche911 Carrera GT3 RS$6,954AudiR8$6,796Porsche911 Sport Classic$6,750GenesisG90$6,636MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Kentucky Non-owner car insurance in Kentucky Average renters insurance cost in Kentucky Average homeowners insurance cost in Kentucky Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Kentucky per monthCheapest car insurance companies in KentuckyAverage cost of car insurance by coverage levels in KentuckyAverage car insurance cost in Kentucky by cityAverage car insurance cost in Kentucky by age of the driverMinimum car insurance requirements in KentuckyCheapest cars to insure in KentuckyMost expensive cars to insure in KentuckyMethodology ZIP Code Please enter valid ZIP See rates