Average Car Insurance Cost in Kentucky (2024)
Drivers in Kentucky pay an overall average of $227 per month for car insurance.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
The average cost of car insurance in Kentucky is $227 per month, which is more than the national average of $154. Where you live, down to your ZIP code, can greatly influence how much you spend on car insurance. The rate of uninsured motorists in a given area can affect car insurance rates, too. For example, Kentucky has an estimated 13.9% of uninsured motorists on its road, ranking 17th in the country.[1]
Here’s what you need to know about how much car insurance costs in the Bluegrass State.
Quick Facts
The average cost of minimum-coverage car insurance in Kentucky is $104 per month.
Full-coverage car insurance costs an average of $204 per month.
Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Kentucky.
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What’s the average cost of car insurance in Kentucky?
How much you spend on car insurance in Kentucky depends heavily on whether you choose a liability-only or full-coverage policy.
In Kentucky, the average full-coverage policy costs $204 per month, whereas a liability-only policy is $104 per month. Full-coverage insurance provides more protection in exchange for a higher price point.
The table below shows the average cost of car insurance among different insurers in Kentucky.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $59 | $104 |
| State Farm | $61 | $109 |
| GEICO | $70 | $123 |
| USAA | $75 | $134 |
| National General | $87 | $144 |
| Allstate | $89 | $158 |
| State Auto | $91 | $161 |
| Travelers | $99 | $175 |
| Safeco | $99 | $156 |
| Progressive | $101 | $178 |
| Clearcover | $112 | $196 |
| Nationwide | $130 | $231 |
| CSAA | $134 | $201 |
| Liberty Mutual | $140 | $254 |
| Bristol West | $159 | $329 |
| Shelter | $160 | $283 |
| The General | $241 | $394 |
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.
Average Kentucky car insurance rates by city
When determining rates, car insurance companies take your location into account. Local factors like traffic congestion, crime rates, weather, and accident frequency can all affect how likely you are to file an insurance claim in the future.[2]
For example, in Louisville, drivers spend an average of $265 per month for liability insurance, but Florence’s average monthly premiums are $105.
The following table outlines average monthly car insurance quotes in various Kentucky cities.
City ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Bowling Green | $197 |
| Elizabethtown | $238 |
| Florence | $144 |
| Henderson | $225 |
| Lexington | $215 |
| Louisville | $328 |
| Madisonville | $203 |
| Owensboro | $152 |
| Paducah | $214 |
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.
Average Kentucky car insurance rates by age
Your age also influences car insurance rates, and young drivers tend to spend the most. Insurance companies charge them more because teens and young drivers pose higher risks due to inexperience behind the wheel.
But as you age, you can expect rates to drop until you reach your 70s. Older drivers, although experienced, might face higher rates due to declining driving abilities.[3]
Insurance companies assess age-related risk factors that affect the likelihood of accidents to help determine the cost of coverage. In Kentucky, drivers in their 60s pay the lowest rates.
Here’s how age affects car insurance premiums in Kentucky.
Rates by Age
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 gender affects car insurance rates in Kentucky
Gender also plays a role in car insurance rates, with young males often paying higher premiums due to statistically higher accident rates.
However, younger drivers of both genders face higher rates due to inexperience. As drivers age and gain experience, rates typically decrease, though at different rates for men and women.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $472 | $386 |
| 35 | $225 | $204 |
| 50 | $173 | $166 |
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
Insurance companies assess your history of accidents, traffic violations, and claims to gauge how much risk you pose when it comes to filing claims. The riskier your driver profile is, the higher your premiums will be.[2]
A clean driving record with no accidents or violations generally leads to lower premiums, as it indicates responsible driving behavior. However, accidents, speeding tickets, or driving under the influence (DUI) convictions can increase rates substantially, as they suggest higher risk. Maintaining a clean driving record can help you find the best deal on insurance products.
Check out this next table to get an idea of how your driving record will influence your average car insurance rate in Kentucky.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $171 | $283 |
| With accident | $241 | $399 |
| With speeding ticket | $239 | $396 |
| With DUI | $275 | $455 |
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.
Average Kentucky car insurance rates by marital status
Auto insurance companies may take your relationship status into account when setting rates. Married couples tend to bundle home and auto insurance together and insure multiple cars under one policy for discounts, which can reduce their rates.
Single drivers can still find affordable car insurance rates in Kentucky with other discounts, but they tend to pay a little bit more than married couples, according to Insurify data.
Here’s how your marital status affects average Kentucky car insurance rates.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $152 | $221 |
| Single | $158 | $231 |
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.
Recent Insurify quotes for Kentucky drivers
Drivers in and around Kentucky have found policies from Nationwide, Clearcover, Travelers, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Kentucky car insurance rates by credit tier
Drivers with good or excellent credit scores generally pay cheaper car insurance premiums. A poor credit score leads insurance companies to believe you’re more likely to file a claim in the future.
While it isn’t legal in every state to take credit scores into consideration during insurance pricing, it’s legal in Kentucky.[4] Do your best to maintain a good credit history to save on financial products like auto insurance.
Here’s the average monthly cost of car insurance in Kentucky for different credit tiers.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $140 | $203 |
| Good | $155 | $226 |
| Fair | $171 | $249 |
| Poor | $248 | $362 |
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.
Kentucky car insurance FAQs
Read Insurify’s guide on how to lower your car insurance rates. Plus, check out the answers to common questions about Kentucky car insurance costs below.
What is the average cost of car insurance in Kentucky?
The average cost of car insurance in Kentucky is $104 per month for liability insurance and $204 per month for full coverage.
What is the cheapest car insurance in Kentucky?
The cheapest car insurance companies in Kentucky are Auto-Owners, State Farm, and GEICO, with liability rates of $59, $61, and $70 per month, respectively.
However, the cheapest insurance for you won’t be the cheapest for someone else, so it’s important to compare quotes before buying coverage. Get quotes from at least three different auto insurers at the same coverage level to find one that offers you the best price for the coverage you need.
Do car insurance rates vary by county in Kentucky?
Yes. Car insurance rates can vary by county in Kentucky. Auto insurance companies consider local factors such as population density, weather, crime rates, and traffic patterns when determining how much risk a potential customer poses. As a result, premiums can differ between counties based on these variables and individual insurers’ policies.
What are the best auto insurance companies in Kentucky?
State Farm, USAA, and Auto-Owners are some of the best Kentucky car insurance companies. These companies offer relatively cheap car insurance rates on average and earned high ratings in the J.D. Power 2023 U.S. Auto Insurance Study.[5]
It’s always best to research a few different auto insurers before you choose one. Don’t forget to ask any potential car insurance companies about discounts to find even better rates with top companies.
What are the car insurance requirements in Kentucky?
Kentucky requires 25/50/25 minimum car insurance coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[6]
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
- III. "Facts + Statistics: Uninsured motorists."
- III. "What determines the price of an auto insurance policy?."
- III. "Senior driving safety and insurance tips."
- Kentucky Department of Insurance. "Credit Scoring: How Does it Affect You?."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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