When it comes to estimating the cost of car insurance in Kentucky, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Kentucky at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Kentucky.
- The average annual cost of a full coverage policy in Kentucky with liability limits of 100/300/100 is $2,228 or $186 per month.
- Minimum liability coverage in Kentucky costs around $606 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Kentucky: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in Kentucky?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Kentucky by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,261 |
| Electric | $3,677 |
| Hatchback | $2,343 |
| Hybrid | $3,016 |
| Luxury Car | $3,765 |
| Luxury SUV | $3,487 |
| Minivan | $2,464 |
| Performance SUV | $3,979 |
| Sedan | $2,576 |
| Sports Car | $3,977 |
| Station Wagon | $3,387 |
| SUV | $2,439 |
| Truck | $2,573 |
| Van | $2,134 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Kentucky by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Kentucky car insurance estimates for used cars
In Kentucky, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in Kentucky using the calculator below based on your car’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in Kentucky
How much auto insurance do I need in Kentucky?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including Kentucky. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Kentucky per month?
In Kentucky, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $186 a month. On the other hand, state minimum coverage costs $51 and liability policy with limits 50/100/50 is $67 monthly.
Does your age impact how much you pay for insurance in Kentucky?
In Kentucky, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
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CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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