Car insurance rates in Kentucky are marginally cheaper than the average national rate of $1,424 per year. However, costs can still be high depending on your profile and local factors.
Kentucky is a no-fault state where all drivers must have personal injury protection (PIP), which makes car insurance more costly. Factors such as high traffic density and high rates of car thefts also make car insurance in Kentucky expensive.
MoneyGeek broke down why car insurance is costly in Kentucky to help you understand why your insurance premiums may be high. Our analysis is based on a 40-year-old driver with a clean driving record and a full coverage policy.