In Kentucky, the average annual cost of car insurance is $1,291 for full coverage and $577 for minimum coverage. Full coverage costs $5 less, while minimum coverage costs $18 less than the national average.
Average Cost of Car Insurance in Kentucky
Updated: December 29, 2024
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Key Takeaways
Drivers in Kentucky pay about 0.41% less for full coverage insurance than the national average.
Kentucky drivers spend 3% less than the national average for minimum coverage.
Kentucky’s average annual car insurance cost is $1,291 for full coverage and $577 for minimum coverage, making it a moderately priced state for drivers.
How Much Is Car Insurance in Kentucky?
| Full Coverage | $1,291 | $1,296 | -0% |
| State Minimum Liability Only | $577 | $595 | -3% |
Kentucky Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while opting for a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Kentucky based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,575 | $500 |
| 300/500/300 | Full Coverage | $1,435 | $1,000 |
| 100/300/100 | Full Coverage | $1,431 | $0 |
| 300/500/300 | Full Coverage | $1,333 | $1,500 |
| State Minimum | Full Coverage | $1,311 | $500 |
| 100/300/100 | Full Coverage | $1,291 | $1,000 |
| 100/300/100 | Full Coverage | $1,189 | $1,500 |
| State Minimum | Full Coverage | $1,171 | $1,000 |
| State Minimum | Full Coverage | $1,069 | $1,500 |
| 300/500/300 | Liability Only | $839 | $0 |
| 100/300/100 | Liability Only | $695 | $0 |
| State Minimum | Liability Only | $577 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Kentucky Car Insurance Cost by City
Car insurance costs in Kentucky vary from city to city due to crime rates, traffic conditions and repair costs. For example, Lexington-Fayette's annual full coverage rate is $934, while Louisville/Jefferson's is $1,281. Check the table below to see how these cities compare to the state averages.
| Lexington-Fayette | $934 | -51% | $499 | -54% |
| Louisville/Jefferson | $1,281 | -33% | $711 | -35% |
Average Kentucky Car Insurance Cost by Age
In Kentucky, age affects car insurance costs. Young drivers, considered high-risk, typically pay more. On average, 25-year-olds pay about $280 more for full coverage and $110 more for minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay roughly $353 more for full coverage and $104 more for state minimum.
| 25 | $1,570 | $688 |
| 40 | $1,291 | $577 |
| 65 | $1,218 | $584 |
While age affects car insurance costs in most U.S. states, California, Massachusetts and Hawaii don't allow age as a rating factor.
Car Insurance Costs in Kentucky for Young Drivers by Gender
In Kentucky, young drivers face higher car insurance costs due to increased risk from higher accident rates. Drivers aged 18 to 25 pay about $1,720 per year when added to a family policy, which is 26% less than an individual policy at $2,164.
Gender also influences car insurance rates for young Kentucky drivers. On average, females aged 18 to 25 pay $2,042 annually, which is 11% less than the $2,285 male drivers pay. Below are the average premiums for individual and family policies for young drivers in the state, broken down by gender.
Car Insurance Costs in Kentucky for Young Females
Adding an 18-year-old female to a family car insurance policy averages $1,741 annually in Kentucky. Choosing an individual policy instead can nearly double the cost, highlighting the value of a family plan.
| 18 | $3,405 | $1,741 | -49% |
| 19 | $2,414 | $1,976 | -18% |
| 20 | $2,169 | $1,779 | -18% |
| 21 | $1,804 | $1,490 | -17% |
| 22 | $1,708 | $1,649 | -3% |
| 23 | $1,825 | $1,728 | -5% |
| 24 | $1,718 | $1,626 | -5% |
| 25 | $1,295 | $1,251 | -3% |
Car Insurance Costs in Kentucky for Young Males
In Kentucky, an 18-year-old male pays about $4,031 annually for full coverage on his own policy. By joining a family policy, he could save roughly 51%, bringing the cost down to $1,991.
| 18 | $4,031 | $1,991 | -51% |
| 19 | $2,825 | $2,219 | -21% |
| 20 | $2,444 | $1,919 | -21% |
| 21 | $2,021 | $1,597 | -21% |
| 22 | $1,846 | $1,757 | -5% |
| 23 | $1,981 | $1,849 | -7% |
| 24 | $1,813 | $1,692 | -7% |
| 25 | $1,321 | $1,258 | -5% |
Average Kentucky Car Insurance Cost by Driving Record
In Kentucky, driving offenses like DUIs can raise your car insurance by up to 27%. The table below compares costs for drivers with accidents, DUIs or tickets to those with clean records.
| At-Fault Accident | $1,926 | 1% | $868 | -21% |
| DUI | $2,417 | 27% | $1,089 | -1% |
| Ticket | $1,538 | -19% | $687 | -37% |
Read More: High-Risk Car Insurance in Kentucky
Average Kentucky Car Insurance Cost by Credit Score
Credit-based insurance scores impact car insurance costs. On average, drivers with excellent credit may pay about $1,010 a year for full coverage, while those with poor credit could see rates around $2,107.
| Excellent | $1,010 | -47% | $398 | -64% |
| Good | $1,133 | -41% | $439 | -60% |
| Fair | $1,438 | -25% | $549 | -50% |
| Below Fair | $1,815 | -5% | $680 | -38% |
| Poor | $2,107 | 10% | $747 | -32% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 shows financial trustworthiness and may lower insurance costs for Kentucky residents. However, insurers in Hawaii, Massachusetts, Maryland, California and Michigan cannot use credit scores for pricing. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only under specific conditions.
Average Kentucky Car Insurance Cost by Company
Car insurance costs vary a lot from one company to another. In Kentucky, Auto-Owners and Travelers have the cheapest auto insurance at around $916 yearly for full coverage. Westfield's average is the highest at $1,778, costing 46% more than the state's average.
| Auto-Owners Insurance Co | $916 | $438 |
| Travelers | $916 | $423 |
| Cincinnati Insurance | $962 | $296 |
| GEICO | $1,159 | $566 |
| Shelter | $1,161 | $565 |
| Nationwide | $1,199 | $570 |
| Kentucky Farm Bureau | $1,231 | $428 |
| Progressive | $1,410 | $527 |
| Allstate | $1,503 | $832 |
| State Farm | $1,611 | $609 |
| Grange Insurance | $1,640 | $1,045 |
| Westfield | $1,778 | $627 |
Average Kentucky Car Insurance Cost by Vehicle Age
In Kentucky, newer cars often cost more to insure, with full coverage averaging $1,105 a year. That's higher than the $922 average for insuring a 10-year-old car.
| 10-Year-Old Vehicle | $922 | $448 |
| New Model Vehicle | $1,105 | $406 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's worth just before any damage. Insurers rely on ACV to establish the maximum amount they'll pay for repairs or replacement after deducting any applicable deductible. This ensures the payout reflects the vehicle's fair market value.
Read More: Used Car Insurance
Kentucky Car Insurance Rates Explained
We discuss how Kentucky's car insurance rates compare to the national average. Whether the state's premiums are higher or more affordable, we'll consider factors like full coverage and state minimum costs.
Is Car Insurance Expensive in Kentucky?
Car insurance in Kentucky costs an average of $1,291 annually for full coverage, nearly matching the national average with just a 0.41% difference.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Kentucky vs. National Average
National Average Cost
Full Coverage Car Insurance
$1,296
Kentucky Average Cost
Full Coverage Car Insurance
$1,291KY Car Insurance Is Affordable:$5 saved
This is 0% less expensive.
Why Are Car Insurance Rates Expensive in Kentucky?
Kentucky's frequent storms and legal rules can raise claim numbers and costs, leading to higher minimum coverage for residents.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Kentucky
While average rates show how factors like demographics affect car insurance in Kentucky, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
Safe driving can lead to lower insurance rates. Avoid traffic violations and accidents to show insurers you're a low-risk driver.
Age and Gender
Younger drivers and males typically face higher rates. Drivers may find more affordable premiums and maintain a good driving history as they age.
Credit History
Insurers in Kentucky consider credit scores when setting rates. Drivers can lower their premiums by improving their credit through timely payments and debt management.
Vehicle Type
Choosing a car with safety features and a low theft rate may lower premiums.
Location
Living in areas with less traffic or lower crime rates can affect insurance costs. Consider your location when searching for affordable rates.
Coverage Level
Customizing your coverage level can save you money. Consider balancing your need for protection with the cost of higher coverage amounts.
Marital Status
Married drivers often receive lower rates due to perceived stability. Informing your insurer of your marital status could be beneficial.
State Law
Know Kentucky's minimum insurance requirements to ensure you're not overpaying for unnecessary additional coverage.
Read More: Kentucky Car Insurance Calculator
Minimum Car Insurance in Kentucky
Kentucky's average minimum car insurance is $577, just below the national average of $595. Below is a table of the minimum coverage requirements for Kentucky drivers.
Kentucky Car Insurance Requirements
Kentucky drivers must have minimum coverage auto insurance. This includes $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability per accident and $10,000 in personal injury protection (PIP) per person.
Liability Limits | What It Covers |
|---|---|
$25,000 bodily injury liability per person | Medical expenses for injuries if you cause an accident |
$50,000 bodily injury liability per accident | Multiple injured parties |
$25,000 property damage liability per accident | Repairs or replacements of damaged property |
$10,000 PIP per person | Medical expenses, regardless of fault |
How to Lower Car Insurance Costs in Kentucky
Save on Kentucky car insurance by comparing rates, raising your deductible and using eligible discounts.
- 1
Compare Multiple Quotes
Research multiple insurance providers to find the most affordable car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Improve your credit score or maintain a clean driving record free of at-fault accidents and moving violations to reduce your premium.
- 3
Adjust Your Coverage
Assess your coverage needs. If you can afford it, consider increasing your deductible, or opt for usage-based policies to lower costs if you drive less.
- 4
Ask About Discounts
Check for discounts like safe driver, good student, anti-theft devices, defensive driving course, or bundling multiple policies to cut your premium significantly.
- 5
Consider the Car You Drive
Choose a vehicle with excellent safety ratings and lower insurance costs to save on car insurance premiums.
Auto Insurance Rates in Kentucky: Bottom Line
The Bluegrass State's average annual cost of full coverage car insurance is $1,291, slightly below the national average. This makes Kentucky a relatively affordable state for car insurance. Rates vary based on coverage level, driving history and vehicle type.
Kentucky Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Kentucky and how to find affordable rates.
What are the minimum car insurance requirements in Kentucky?
Kentucky’s minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $25,000 per accident. Personal injury protection coverage of $10,000 is also mandatory to cover medical expenses and lost wages, regardless of who’s at fault in an accident.
What is the average cost of full coverage and minimum coverage auto insurance in Kentucky?
The average annual cost of full coverage auto insurance in Kentucky is $1,291, while minimum coverage averages $577.
What is the average cost of car insurance for a 25-year-old in Kentucky?
On average, a 25-year-old in Kentucky pays $1,570 for full coverage car insurance and $688 for minimum coverage per year. Both are slightly below the state averages.
What are the cheapest car insurance companies in Kentucky?
Auto-Owners and Travelers provide the most affordable car insurance in Kentucky, with an average annual rate of $916 for full coverage. For minimum coverage, Auto-Owners is the cheapest option at $438.
Kentucky Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Kentucky:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum coverage limits as mandated by Kentucky:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $10,000 in personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.