Average Car Insurance Cost in Kentucky (2025)
Drivers in Kentucky pay an average of $182 per month for car insurance.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Drivers in Kentucky pay an average rate of $135 per month for liability insurance and $230 per month for full coverage, according to Insurify data. Compared to national averages, these figures are higher, potentially due to the high number of uninsured motorists in the Bluegrass State.[1]
While car insurance premiums in Kentucky have risen over the past two years, you can still lock in cheap car insurance.
Here’s what you need to know about car insurance costs in Kentucky and how to find good coverage.
Quick Facts
Auto-Owners, State Farm, and GEICO offer some of the lowest premiums in Kentucky.
Louisville has the highest average car insurance rates, at $229 per month for liability policies and $349 per month for full coverage.
A few of the most affordable vehicles to insure in Kentucky include the Ford Escape, Subaru Outback, and Toyota Prius.
How much is car insurance in Kentucky?
On average, Kentucky drivers pay $182 per month for car insurance. Drivers pay $135 per month for minimum coverage and $230 per month for full coverage.
Your exact monthly rate will depend on a number of factors, such as your ZIP code, driving history, gender, and credit history.
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How Kentucky car insurance rates have changed over the past two years
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To find car insurance rates in Kentucky and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Kentucky rose to $2,200 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Kentucky.
See how Kentucky car insurance prices have changed over the past two years below.
Average Kentucky Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Kentucky car insurance rates by city
Car insurance quotes in Kentucky vary by city and ZIP code. Local factors, such as weather conditions, crime rates, and traffic congestion, all play a role in premiums. While state-minimum liability-only policies have an average rate of $229 per month in an urban area like Louisville, they’re much less expensive in a smaller city. For example, in Bowling Green, liability rates are $132 per month, on average.
Here’s a look at the average monthly car insurance rates in different Kentucky cities.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
City ▲▼ | Average Monthly Liability-Only Quote ▲▼ | Average Monthly Full-Coverage Quote ▲▼ |
|---|---|---|
| Elizabethtown | $124 | $278 |
| Richmond | $128 | $223 |
| Bowling Green | $132 | $220 |
| Lexington | $141 | $233 |
| Louisville | $229 | $349 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Read More: Kentucky Car Insurance Laws and Requirements (2025)
Average Kentucky car insurance rates by age and gender
Car insurance premiums in Kentucky vary based on factors like your age and gender. Since teens and young adults are less experienced on the road, they typically face more expensive car insurance costs. Fortunately, rates tend to drop around 25 years old as drivers gain confidence on the road. Also, young males usually pay higher rates for auto insurance, as statistics show they pose a greater risk for accidents.[2]
Older drivers have the lowest monthly rates, but due to reduced faculties, they may see their rates increase around age 70.
The tables below show the average car insurance premiums in Kentucky, broken down by age and gender.
Age ▲▼ | Average Monthly Liability-Only Quote: Male ▲▼ | Average Monthly Full-Coverage Quote: Male ▲▼ |
|---|---|---|
| 16 | $349 | $594 |
| 18 | $303 | $516 |
| 20 | $202 | $345 |
| 25 | $174 | $296 |
| 30 | $146 | $248 |
| 40 | $138 | $234 |
| 50 | $133 | $226 |
| 60 | $127 | $216 |
| 70+ | $134 | $227 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age ▲▼ | Average Monthly Liability-Only Quote: Female ▲▼ | Average Monthly Full-Coverage Quote: Female ▲▼ |
|---|---|---|
| 16 | $312 | $532 |
| 18 | $272 | $463 |
| 20 | $181 | $309 |
| 25 | $156 | $266 |
| 30 | $131 | $222 |
| 40 | $124 | $210 |
| 50 | $119 | $202 |
| 60 | $114 | $194 |
| 70+ | $120 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Kentucky
The most popular vehicles in Kentucky include the Chevrolet Silverado, Ford F-Series, Toyota RAV4, Ram 1500/2500/3500, and the Honda CR-V, according to Edmunds. While the Silverado, F-Series, and Ram trucks are durable options for the terrain of Kentucky’s rural towns, the RAV4 and CR-V are versatile, reliable, and fuel-efficient SUVs.
The table below shows the average monthly rate for these popular vehicles.
Vehicle ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Chevrolet Silverado | $253 |
| Ford F-Series | $238 |
| Toyota RAV4 | $233 |
| Ram 1500/2500/3500 | $283 |
| Honda CR-V | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Kentucky
When you apply for coverage, car insurance companies look at your driving record, as it can help them gauge your likelihood of filing claims. If you have a clean driving record free of traffic violations, you’ll pay lower premiums than someone with a history of speeding tickets, at-fault accidents, and DUI convictions.
For example, drivers with an incident on their record pay an average rate of $228 per month for car insurance. To secure the best deal on auto insurance, make every effort to drive safely and follow all the rules of the road.
Below is a table showing rates for Kentucky drivers with incidents on their records.
Driver Record ▲▼ | Average Monthly Quote ▲▼ | % Increase Compared to Good Drivers ▲▼ |
|---|---|---|
| With accident | $275 | 91% |
| With speeding ticket | $273 | 90% |
| With DUI | $314 | 118% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Like many other states, Kentucky allows auto insurance companies to consider your credit history when determining your car insurance quotes. Studies show a correlation between credit history and driver risk. In general, drivers with excellent or good credit are less likely to file claims and, in turn, pay cheap car insurance premiums.[3]
Here’s a look at average monthly car insurance rates in Kentucky by credit tier.
Credit Tier▲▼Average Monthly Liability-Only Quote▲▼Average Monthly Full-Coverage Quote▲▼Excellent $126 $214 Good $140 $238 Fair $139 $237 Poor $167 $284 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Kentucky
You can’t control some factors that influence your car insurance rates — such as your age and ZIP code — but it’s still possible to find cheap car insurance. These strategies can help you save money on your coverage:
Shop around
It’s a good idea to get auto insurance quotes from at least three different insurers. Once you do, compare premiums, coverage options, and customer service ratings to zero in on the ideal policy for your budget and needs.
Choose a higher deductible
Depending on your situation, it may make sense to opt for a higher deductible. You’ll pay more out of pocket when you file a claim but pay lower premiums month to month.
Look for discounts
Most car insurance companies offer various discounts for policyholders, such as an auto-pay discount, military discount, and defensive driving course discount. Take advantage of any discounts that apply to you.
Bundle
If you need another type of insurance, such as home insurance or renters insurance, you might lower your rates if you secure them from the same insurance company. Many insurers offer bundling discounts.
Drive safely
People with clean driving records typically receive cheaper car insurance quotes. That’s why it’s in your best interest to become a safe driver who adheres to speed limits and road rules.
Kentucky average car insurance cost FAQs
If you’re a Kentucky driver looking for more information about car insurance rates, check out the additional information below.
What is the average annual cost of car insurance in Kentucky?
The average annual cost of auto insurance policies in Kentucky is $1,620 for minimum coverage and $2,758 for full coverage. Your rates will depend on factors such as your ZIP code, age, gender, and driving history.
What is the cheapest car insurance company in Kentucky?
Auto-Owners offers the lowest car insurance rates in Kentucky. The insurer’s average rate is $59 per month for liability-only coverage.
How much is car insurance per month in Kentucky?
On average, car insurance for Kentucky drivers costs $135 per month for liability coverage and $230 for full coverage.
What are the best auto insurance companies in Kentucky?
Some of the top car insurance companies are Allstate, Auto-Owners, Bristol West, Progressive, Root, and GEICO. To determine the right company for your unique situation, be sure to shop around and get multiple quotes from different car insurers.
What are the car insurance requirements in Kentucky?
Per Kentucky state law, drivers must carry $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. Kentucky also requires $10,000 in personal injury protection (PIP) per person.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.