Car insurance costs in Kentucky vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Travelers offers the cheapest annual rates for full coverage car insurance in Kentucky at $1,804 annually.
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 learn how auto insurance in Kentucky works and how much insurance you need.
- The average cost of car insurance in Kentucky is $2,228 a year or $186 per month, based on our data analysis.
- 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.
- Travelers provides the most affordable annual rates for full coverage car insurance in Kentucky, costing $1,804 per year.
- 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?
According to CarInsurance.com data, drivers in Kentucky pay about $186 per month for full coverage car insurance.
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.
See how rates change in Kentucky based on driver profile:
- Teen drivers in Kentucky pay the most — about $548 a month or $6,573 a year.
- Young drivers in their 20s pay an average of $299 monthly or $3,592 annually, for car insurance.
- Senior drivers pay around $185 monthly or $2,220 a year.
- A speeding ticket can increase your rates to $272 monthly or $3,268 annually.
- An at-fault accident increases car insurance rates to $300 a month or $3,597 a year.
- Poor credit drivers usually see their car insurance costs increase to $436 monthly or $5,231 annually.
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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
In Kentucky, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of 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.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Kentucky
The average annual premium in Kentucky is $2,228 for a full coverage policy with 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
As a result, people living in higher-risk neighborhoods of Kentucky have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Kentucky
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
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 instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Kentucky drivers aged 30 to 60 have the lowest average auto insurance rates at $2,173 annually.
Kentucky drivers aged 16-19 pay $4,400 more for insurance premiums than drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,173 per year in Kentucky.
- For senior drivers: Drivers age 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.
Similarly, if you get a speeding ticket in Kentucky, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
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 rates vary by city in Kentucky for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
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.
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.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
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 September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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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