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Kentucky Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Kentucky?

On average, car insurance rates for drivers in Kentucky are $261 per month, and $3137 per year. The average rates make Kentucky the 15th most expensive state in the country for car insurance rates and 15% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $26150%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Kentucky Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Kentucky and has selected the following providers and quotes as the best rates for drivers in Kentucky.

Cheapest CompaniesQuotes
Progressive$38
State Farm$85
Allstate$110
Travelers$143
The General$186

Kentucky Car Insurance Rates by City

For drivers in Kentucky, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Kentucky.

CityAvg. Monthly Rate
Bowling Green$214
Covington$194
Elizabethtown$213
Florence$194
Hopkinsville$199
Lexington$215
Louisville$334
Owensboro$178
Paducah$209
Richmond$215

What Is the Average Cost of Car Insurance in Kentucky by Age?

Prices go down from there, with every other age group paying comfortably below the state average on car insurance. Rates hit their lowest for drivers in their 60s, who only pay $208 per month on average, which is $53 below the state average.

AgeAvg. Monthly Rate
Teens$545
20s$293
30s$223
40s$225
50s$210
60s$208
70s$218
>80s$255

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What Is the Average Cost of Car Insurance in Kentucky by Gender?

Men pay a bit more than women for car insurance in Kentucky, on average. At $269 per month, men sit above the state average, while women are below the state average at $255 per month.

GenderAvg. Monthly Rate
Male$269
Female$255

Does Marital Status Influence the Average Cost of Car Insurance in Kentucky?

In Kentucky, marital status certainly influences car insurance rates, with married drivers paying $31 less for car insurance per month. At $238 per month on average, married drivers pay $23 below the state average for car insurance.

Marital StatusAvg. Monthly Rate
Married$238
Single$269

What Are the Minimum Car Insurance Requirements in Kentucky?

In Kentucky, all registered motor vehicles must be insured. But how much insurance should each driver purchase? Kentucky lays out some basic minimum requirements that all drivers must meet. First, a driver must purchase at least $25,000 per person/$50,000 per accident of bodily injury (BI) insurance. This protects drivers who are involved in an accident that harms another individual. Additionally, Kentucky drivers must purchase at least $25,000 per accident in property damage liability coverage and $10,000 per person in personal injury protection (PIP).

kentucky

How Does Credit History Affect Kentucky Car Insurance Rates?

Kentucky allows car insurance companies to consider your credit score when determining your car insurance rates. So as you can imagine, drivers with a poor credit history pay the most for car insurance on average ($271 per month), while those with an excellent credit history pay the least ($228 per month). Those with an average or good credit history hover in the middle of these ranges, paying a little less than the state average for car insurance.

Credit HistoryAvg. Monthly Rate
Poor$271
Average$252
Good$255
Excellent$228

What Is the Average Cost of Car Insurance in Kentucky for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Kentucky will pay $16 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $62. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$250
At-Fault Accident$312
Speeding$266

Tips for Researching Kentucky Car Insurance Rates

Car insurance premiums can vary dramatically between car insurance companies. And with several carriers offering their services in Kentucky, drivers in the Bluegrass State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Kentucky Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kentucky. Insurify analyzed the latest data for the five most populous cities in Kentucky to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Kentucky and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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