Kentucky drivers pay an annual average of $1,291 for full coverage car insurance or $577 for minimum coverage. Finding an affordable plan depends on several factors. Your premium can change based on age, chosen coverage level, location, driving history and credit history.
How Much Is Car Insurance in Kentucky? (November 2024)
Updated: December 1, 2024
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Why Trust MoneyGeek? MoneyGeek analyzed Kentucky auto insurance rates using data and information from the Kentucky Department of Insurance and Quadrant Information Services.
These rates reflect the average cost of car insurance in Kentucky as of November 2024.
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Average Car Insurance Costs in Kentucky
Kentucky's average full coverage car insurance cost is around $1,291 annually. Knowing your state's average car insurance cost can help determine if you're receiving a fair quote. Start comparing car insurance quotes today to save.
Here are Kentucky's average auto insurance costs, whether you require minimum or full coverage.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,291 | $108 |
| 100/300/100 Liability Only | $695 | $58 |
| State Minimum Liability Only | $577 | $48 |
Why Are Car Insurance Rates Moderate in Kentucky?
Car insurance in Kentucky is moderately priced. The state’s average annual full coverage premium with a $1,000 deductible is $1,291, slightly below the national average of $1,358. For minimum coverage, Kentucky’s average annual cost is $577, compared to the national average of $628.
Factors like the number of uninsured drivers, traffic congestion, vehicle repair costs, state insurance laws and competition among insurers affect rates in Kentucky.
Average Car Insurance Costs in Kentucky by Company
Car insurance premiums can differ widely from one company to another, even within the same state. In Kentucky, Auto-Owners and Travelers offer the cheapest full coverage at an average annual rate of $916, while Westfield is the most expensive at $1,778.
Comparing car insurance quotes is key to understanding price differences. By reviewing options from different companies, drivers can find the cheapest car insurance in Kentucky that matches their budget and needs.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| Auto-Owners Insurance Co | $916 | $76 |
| Travelers | $916 | $76 |
| Cincinnati Insurance | $962 | $80 |
| GEICO | $1,159 | $97 |
| Shelter | $1,161 | $97 |
| Nationwide | $1,199 | $100 |
| Kentucky Farm Bureau | $1,231 | $103 |
| Progressive | $1,410 | $118 |
| Allstate | $1,503 | $125 |
| State Farm | $1,611 | $134 |
| Grange Insurance | $1,640 | $137 |
| Westfield | $1,778 | $148 |
Average Car Insurance Costs in Kentucky by Coverage Level
The coverage level also affects car insurance costs in Kentucky. Minimum coverage averages $48 per month, while full coverage with a $1,000 deductible costs about $108. Though more expensive, full coverage insurance provides broader protection.
Adding comprehensive and collision coverage raises your premium. Opting for higher deductibles can help lower this increase. Note that deductibles apply separately to each comprehensive or collision claim you file.
| State Minimum Liability Only | $577 | $48 |
| 100/300/100 Liability Only | $695 | $58 |
| 300/500/300 Liability Only | $839 | $70 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,069 | $89 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,171 | $98 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,189 | $99 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,291 | $108 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,311 | $109 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,333 | $111 |
| 100/300/1000,000 - 500 comp_coll | $1,431 | $119 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,435 | $120 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,575 | $131 |
Minimum Car Insurance Requirements in Kentucky
In Kentucky, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident, $25,000 for property damage liability per accident and personal injury protection (PIP) of $10,000.
$25,000 for bodily injury liability per person
This is the amount covered for injuries to one person in an accident where you're at fault in Kentucky.
$50,000 for bodily injury liability per accident
This coverage applies to all persons injured in a single accident in Kentucky when you're deemed responsible.
$25,000 for property damage liability per accident
Kentucky requires this amount for the damage you cause to someone else's property in an accident.
$10,000 personal injury protection (PIP) per person
Kentucky's no-fault insurance includes this minimum PIP coverage for medical expenses, lost wages and similar losses.
Average Car Insurance Costs in Kentucky by City
Your location can greatly influence car insurance premiums. Comparing Kentucky's cities, Lexington-Fayette's full coverage costs around $934 per year, while Louisville/Jefferson's is about $1,281.
Rates depend on driving history, vehicle type, selected coverage level, age, credit history and the area's accident rates.
| Lexington-Fayette | $934 | $499 |
| Louisville/Jefferson | $1,281 | $711 |
Average Car Insurance Costs in Kentucky by Age
Age significantly influences car insurance premiums in Kentucky. Young drivers, especially those aged 22 to 29, often pay higher rates, with an average annual premium of $1,570.
As motorists age and gain experience, premiums tend to decrease progressively, making policies more affordable for mature and experienced drivers. Drivers aged 30 to 59 pay around $1,291 annually. The trend continues, with those over 60 enjoying the lowest average costs at around $1,218 annually. This decline reflects insurers' assessment that risk decreases with age and experience.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
| 22-29 | $1,570 | $131 |
| 30-59 | $1,291 | $108 |
| 60 + | $1,218 | $101 |
Average Car Insurance Costs in Kentucky for Teens
In Kentucky, age and gender play critical roles in setting car insurance rates. For instance, 16-year-old male drivers added to a family policy typically face an average annual cost of $2,985, the highest premium among all age groups. Teens under 18 often cannot legally purchase their own car insurance without a guardian co-signer. An individual policy for these young males would run about $6,149 annually.
Average Car Insurance Costs in Kentucky for New Cars
The average annual cost of full coverage car insurance for a 2012 car model is $922, while the cost rises to $1,105 for a 2022 model. Newer car models' higher actual cash value, pricier repairs and increased theft risk contribute to higher premiums. For those driving newer vehicles, experts suggest getting comprehensive and collision coverages, which cover theft, vandalism and accidents and provide broader financial protection.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| 2012 Vehicle | $922 | $77 |
| 2022 Vehicle | $1,105 | $92 |
MONEYGEEK EXPERT TIP
Your vehicle's actual cash value (ACV) is the basis for how much your insurance company will reimburse you following a comprehensive or collision claim. ACV represents your vehicle's market value, taking depreciation into account. Insurance providers use ACV to calculate the payout amount to cover the loss or damage to your car.
Average Car Insurance Costs in Kentucky by Driving Record
In Kentucky, the average cost of car insurance varies significantly depending on a driver's record.
- With a ticket: $1,538 per year; $128 per month
- With an at-fault accident: $1,926 per year; $161 per month
- With a DUI: $2,417 per year; $201 per month
A driving violation can raise your insurance rates, with more serious offenses leading to higher premiums. This increase lasts as long as the violation stays on your record, which varies by state.
In Kentucky, for example, a DUI stays on your record for five years, impacting your insurance costs the entire time. Other violations like speeding tickets and at-fault accidents also raise rates, though the duration depends on the offense and the insurer’s policies. The table below shows the average costs in Kentucky based on different driving records.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
| Clean | $1,291 | $108 |
| Ticket | $1,538 | $128 |
| At-fault Accident | $1,926 | $161 |
| DUI | $2,417 | $201 |
Average Car Insurance Costs in Kentucky by Credit Score
Car insurance costs for Kentucky drivers vary by credit score, with average annual premiums ranging from $820 for excellent credit to $1,674 for poor credit.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 w/ $1000 Deductible
Age Group:
Age Group:30-59
| Excellent | $820 | $68 |
| Good | $901 | $75 |
| Fair | $1,139 | $95 |
| Below Fair | $1,405 | $117 |
| Poor | $1,674 | $139 |
Factors Affecting Car Insurance Rates in Kentucky
Discover the key factors influencing your car insurance rates in Kentucky, which are essential for any driver seeking affordable and appropriate coverage.
- Driving record: A clean record can lead to lower premiums, while tickets and accidents typically increase the cost of your car insurance.
- Credit score: Kentucky drivers with higher credit scores may receive more favorable rates, as insurers associate these scores with responsible financial and driving behavior.
- Age and gender: Young drivers, especially males, may face higher rates due to a perceived risk of inexperience, whereas mature drivers often enjoy reduced rates.
- Vehicle type: The make and model of your vehicle affect your premium, with sports cars generally costing more to insure than family-oriented models.
- Coverage type: Choosing comprehensive insurance or collision insurance will impact your rates differently than state minimum coverage.
- Location: Living in areas with high traffic congestion or theft rates can increase Kentucky's insurance costs.
- Insurance history: A continuous insurance history without lapses can contribute to lower car insurance rates, showing insurers reliability and consistent coverage.
Finding the right balance between coverage and cost is crucial when finding the best car insurance.
How to Save Money on Car Insurance in Kentucky
Understanding the average cost of car insurance in Kentucky is essential for ensuring you're getting a fair deal. Many factors contribute to these costs, including your driving record, vehicle type, coverage level and more.
Compare car insurance quotes
Exploring multiple quotes allows drivers to find the most affordable car insurance options tailored to their needs.
Maintain a clean driving record
A clean driving record can significantly lower insurance rates, as it indicates responsible driving behavior to insurers.
Increase your deductibles
Choosing higher deductibles can reduce premiums but ensure you can afford the out-of-pocket expense in case of a claim.
Bundle policies
Bundling car insurance with other policies like home insurance can lead to discounts and cheaper costs overall.
Look for discounts
Kentucky drivers should inquire about discounts for safe driving, good grades and anti-theft devices in their vehicles.
Choose the right car
The car model impacts insurance rates; vehicles with safety features and low theft rates often come with more affordable premiums.
Review coverage annually
Regularly reviewing and adjusting your coverage helps ensure you’re not overpaying for unnecessary protection.
FAQ: Car Insurance Costs in Kentucky
Find answers to questions about what impacts the average cost of car insurance in Kentucky and how you can find affordable rates.
What are the minimum car insurance requirements in Kentucky?
Kentucky's minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident, $25,000 for property damage per accident, and $10,000 in personal injury protection per person. These are the minimums required by the state for all drivers.
What is the average cost of full coverage and minimum coverage auto insurance in Kentucky?
In Kentucky, full coverage car insurance with a $1,000 deductible costs an average of $1,291 annually, or $108 monthly. Minimum coverage averages $577 per year, or about $48 each month.
What is the average cost of car insurance for a 22-year-old in Kentucky?
A 22-year-old in Kentucky typically pays about $1,570 per year, or $131 monthly, for full coverage with a $1,000 deductible. Choosing 100/300/100 liability-only coverage can lower the average annual premium to $839, or $70 per month. Minimum coverage is around $688 yearly, or $57 monthly.
What are the cheapest car insurance companies in Kentucky?
Cincinnati Insurance offers the least expensive rates for minimum coverage at $296 annually, while Auto-Owners provides the most affordable full coverage option at approximately $916 per year.
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.