Kentucky Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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.

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.

Compare Top Auto Insurance Companies

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