How Much Does Car Insurance Cost In Kentucky?

On average, drivers pay $261 per month for car insurance in Kentucky, according to 2021 rates.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

Average Cost of Car Insurance in Kentucky

With the Ohio River to the north and the scenic Appalachian Mountains to the east, Kentucky has plenty of gorgeous geography to get out and experience. And if you’re like most of the nearly 4.5 million people who call Kentucky home, you’ll be getting out and about by car.

Whether you’re experiencing Kentucky in a pickup truck or a family-friendly minivan, you’ll want to make sure you’re investing in great car insurance. On average, Kentucky drivers pay $261 per month, which ranks among the 15 most expensive rates in the United States.

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.

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

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.

FAQs - Kentucky Car Insurance

Why is car insurance so expensive in Kentucky?

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.

Do car insurance rates vary by county in Kentucky?

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.

Which providers have the best auto insurance ratings in Kentucky?

'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.'

How much do annual auto insurance rates increase in Kentucky?

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.