In Kentucky, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Kentucky by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Kentucky
In Kentucky, Chrysler Voyager and Hyundai Venue have the cheapest car insurance rates, followed by Volkswagen Tiguan and Chevrolet Express, based on our research.
The table below highlights the most affordable vehicles to insure in Kentucky, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chrysler Voyager | $1,177 |
| Hyundai Venue | $1,190 |
| Volkswagen Tiguan | $1,198 |
| Chevrolet Express | $1,222 |
| Honda CR-V | $1,222 |
| Subaru Forester | $1,227 |
| Honda HR-V | $1,235 |
| Volkswagen Taos | $1,251 |
| Ford Maverick | $1,257 |
| Hyundai Kona | $1,258 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Kentucky
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Kentucky
Based on our data analysis, the Nissan Versa is the cheapest sedan to insure, with an average cost of $1,316 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Subaru Legacy, which costs $1,328, and the Mazda 3 Sedan, which costs $1,355 to insure.
Below, you’ll find the most affordable sedans to insure in Kentucky and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $1,316 |
| Subaru Legacy | $1,328 |
| Mazda 3 Sedan | $1,355 |
| Honda Civic Sedan | $1,357 |
| Nissan Sentra | $1,371 |
| Kia Forte | $1,389 |
| Volkswagen Jetta | $1,409 |
| Honda Accord | $1,452 |
| Hyundai Elantra | $1,461 |
| Chevrolet Malibu | $1,469 |
| Toyota Camry | $1,480 |
| Toyota Corolla | $1,483 |
| Mitsubishi Mirage G4 | $1,493 |
| Nissan Altima | $1,503 |
| Volkswagen Jetta GLI | $1,571 |
| Hyundai Sonata | $1,628 |
| Kia K5 | $1,636 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Kentucky
The Volkswagen Tiguan and Honda CR-V are the cheapest SUVs to insure in Kentucky, with an average cost of $1,198 and $1,222 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $1,198 |
| Honda CR-V | $1,222 |
| Subaru Forester | $1,227 |
| Honda HR-V | $1,235 |
| Volkswagen Taos | $1,251 |
| Hyundai Kona | $1,258 |
| Mazda CX-5 | $1,263 |
| Toyota Corolla Cross | $1,267 |
| Toyota RAV4 | $1,280 |
| Hyundai Tucson | $1,290 |
| Kia Seltos | $1,297 |
| Subaru Crosstrek | $1,300 |
| Kia Sportage | $1,300 |
| Volkswagen Atlas | $1,305 |
| Honda Passport | $1,308 |
| Jeep Wrangler | $1,309 |
| Chevrolet Equinox | $1,309 |
| Mazda CX-30 | $1,310 |
| Volkswagen Atlas Cross Sport | $1,311 |
| Chevrolet TrailBlazer | $1,312 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Kentucky
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,344.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,344 |
| Chevrolet Camaro | $1,602 |
| Honda Civic Si | $1,627 |
| Subaru WRX | $1,630 |
| Ford Mustang | $1,731 |
| Toyota GR86 | $1,860 |
| Honda Civic Type R | $1,890 |
| Subaru BRZ | $1,902 |
| Toyota GR Supra | $1,904 |
| Toyota GR Corolla | $1,958 |
| BMW Z4 | $1,976 |
| Porsche 718 Boxster | $2,018 |
| Chevrolet Corvette | $2,080 |
| Porsche 718 Cayman | $2,317 |
| Chevrolet Camaro ZL1 | $2,405 |
| Nissan Z | $2,568 |
| Chevrolet Corvette Z06 | $2,865 |
| Porsche 911 | $3,243 |
| Porsche 911 GT3 | $3,364 |
| Jaguar F-Type | $3,377 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Kentucky
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,474, the Mercedes-Benz GLA-Class ranks as the most affordable luxury car to insure, followed closely by Acura RDX at $1,485 and the Lincoln Corsair at $1,488.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Mercedes-Benz GLA-Class | $1,474 |
| Acura RDX | $1,485 |
| Lincoln Corsair | $1,488 |
| Volvo XC40 | $1,490 |
| Mercedes-Benz GLB-Class | $1,543 |
| Cadillac XT4 | $1,546 |
| Audi Q3 | $1,547 |
| Land Rover Discovery Sport | $1,548 |
| Alfa-Romeo Tonale | $1,555 |
| Mercedes-Benz GLC-Class Coupe | $1,561 |
| BMW X1 | $1,581 |
| Cadillac XT5 | $1,582 |
| BMW X2 | $1,586 |
| Acura MDX | $1,592 |
| Volvo XC60 | $1,592 |
| Lexus RX | $1,602 |
| Lexus NX | $1,629 |
| Jaguar E-Pace | $1,635 |
| Lincoln Aviator | $1,652 |
| Lincoln Nautilus | $1,653 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Kentucky
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $4,039 annually, which breaks down to $337 monthly.
The table below highlights the most affordable EVs to insure in Kentucky, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $1,278 |
| Nissan Leaf | $1,445 |
| Volkswagen ID.4 | $1,446 |
| Mini Cooper Electric | $1,449 |
| Kia Niro EV | $1,456 |
| Chevrolet Silverado EV | $1,519 |
| Toyota bZ4X | $1,609 |
| Volvo XC40 Recharge | $1,611 |
| Hyundai Ioniq 5 | $1,625 |
| Ford Mustang Mach-E | $1,655 |
| Volvo C40 Recharge | $1,662 |
| Toyota Mirai | $1,706 |
| Ford F-150 Lightning | $1,707 |
| Kia EV6 | $1,734 |
| Kia EV9 | $1,750 |
| Genesis Electrified GV70 | $1,773 |
| Nissan Ariya | $1,782 |
| Mercedes-Benz EQB | $1,802 |
| Audi Q4 e-tron | $1,810 |
| Hyundai Ioniq 6 | $1,821 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Kentucky
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chrysler Voyager is $4,496, while insuring a Hyundai Venue costs $4,824 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Kentucky?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,278 for a six-month full coverage policy to insure the Hyundai Kona Electric, and you can expect to pay an average of $1,445 for the Nissan Leaf for the same coverage.
Which SUVs are the cheapest to insure in Kentucky?
In Kentucky, insuring a Volkswagen Tiguan SUV costs about $1,198 for six months, making it one of the most affordable options. The Honda CR-V and Subaru Forester also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Kentucky?
The Chrysler Voyager, Hyundai Venue, Subaru Forester and Chevrolet Express are some of the cheapest cars to insure for 18-year-olds in Kentucky. However, insuring models such as the Mercedes-AMG EQS, Maserati Quattroporte and Audi e-tron GT can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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