The cost of car insurance in Kentucky varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,804 a year for full coverage.
This guide makes buying car insurance in Kentucky easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Kentucky works and how much coverage you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Kentucky, costing $1,804 per year.
- In Kentucky, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Kentucky costs around $606 annually for limits of 25/50/25, while liability-only coverage costs $810 per year for limits of 50/100/50.
- In Kentucky, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 72%, and an at-fault accident by up to 50%.
How much is car insurance in Kentucky?
In Kentucky, drivers pay an average of $186 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Kentucky by coverage level
Car insurance costs in Kentucky can differ based on the coverage limit. To legally drive, Kentucky residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Kentucky, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Kentucky car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $51 | $606 |
| Liability Only – 50/100/50 BI/PD | $67 | $810 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $186 | $2,228 |
State minimum car insurance in Kentucky
Kentucky laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum coverage in Kentucky costs $606 a year but doesn’t provide much protection for drivers. Kentucky drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Kentucky must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Kentucky
The average cost of liability-only insurance in Kentucky is $810 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Kentucky
On average, premiums for full coverage car insurance in Kentucky cost $2,228 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Kentucky
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in Kentucky have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Kentucky car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Kentucky by car model
In Kentucky, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Kentucky.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Kentucky
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Kentucky, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $2,173 annually.
Drivers aged 16-19 pay $4,400 more for car insurance than Kentucky drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,573 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,443 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,173 annually in Kentucky.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,220 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Kentucky
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Kentucky can increase your premiums by up to 72% because insurers see you as a risky driver.
If you receive a speeding ticket in Kentucky, be prepared for your car insurance rates to rise by up to 30% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 72% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Kentucky for high-risk drivers
In Kentucky, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $2,629 |
| Travelers | $2,702 |
| Kentucky Farm Bureau | $2,816 |
| USAA | $2,871 |
| State Farm | $3,131 |
| Geico | $3,526 |
| Progressive | $4,173 |
| Allstate | $5,787 |
| Farmers | $7,311 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Kentucky
Drivers in Kentucky can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Compare the best car insurance options in Kentucky by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Kentucky and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $609 | $732 | $1,804 |
| Auto-Owners | $588 | $713 | $1,911 |
| Shelter Insurance | $633 | $802 | $1,917 |
| Geico | $508 | $798 | $2,106 |
| Kentucky Farm Bureau | $326 | $522 | $2,113 |
| Progressive | $758 | $1,043 | $2,714 |
| State Farm | $715 | $953 | $2,753 |
| Allstate | $890 | $1,161 | $3,127 |
| Farmers | $1,039 | $1,355 | $3,548 |
| USAA | $533 | $668 | $1,820 |
Car insurance rates by city in Kentucky
Freeburn is the most expensive city in Kentucky, with an average car insurance rate of $2,808 a year. Adairville is the cheapest city for Kentucky drivers at an average rate of $1,805 annually.
Car insurance premiums differ across cities in Kentucky and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Kentucky.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,436 |
| Shelter Insurance | $1,506 |
| Travelers | $1,509 |
| USAA | $1,583 |
| Kentucky Farm Bureau | $1,669 |
| Progressive | $1,914 |
| Geico | $2,000 |
| State Farm | $2,188 |
| Allstate | $3,339 |
How much does car insurance cost in Kentucky per month?
In Kentucky, a full coverage car insurance policy with 100/300/100 limits typically costs about $186 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $51 |
| Liability Only – 50/100/50 BI/PD | $67 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $186 |
Final thoughts on choosing car insurance in Kentucky
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Kentucky.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Kentucky. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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