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 then 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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
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.
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.
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.
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.
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.
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 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.
"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.
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.
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.
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The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.