Kentucky car insurance costs $1,580 annually for full coverage and $914 for minimum coverage, based on a 40-year-old driver with good credit and a clean record. The state ranks 36th for full coverage and 42nd for minimum coverage among all states, with rates 8% and 33% above national averages respectively.
Average Cost of Car Insurance in Kentucky
Updated: October 24, 2025
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Key Takeaways
Kentucky car insurance costs range from $914 to $4,869 per year depending on your driver profile, coverage and location.
Kentucky ranks among the most expensive states, placing 42nd for minimum coverage and 36th for full coverage affordability.
Secure the cheapest car insurance in Kentucky by deciding your coverage needs first, then researching companies and comparing quotes extensively.
Average Car Insurance Cost In Kentucky
| Full Coverage | $132 | $1,580 |
| Minimum Coverage | $76 | $914 |
Upgrading from minimum to comprehensive coverage costs an additional $666 per year, or about $56 monthly. Your premiums will vary based on personal factors, driving record and coverage choices.
Have auto insurance questions?Chat with Charlie now.
Average Kentucky Car Insurance Cost By Category
Young drivers pay the highest premiums in Kentucky at $320 monthly for full coverage, while drivers with older vehicles enjoy the lowest rates at $127 monthly. Your characteristics play a major role in determining costs.
Drivers with bad credit pay substantial premiums at $275 monthly for full coverage and $133 for minimum, as insurers use credit scores to predict claim frequency. Adult drivers with clean records benefit from affordable baseline rates at $130 monthly for full coverage and $74 for minimum coverage.
| Young Drivers | $175 | $320 |
| Adult Drivers | $74 | $130 |
| Senior Drivers | $100 | $168 |
| Drivers With An Accident | $113 | $193 |
| Drivers With A DUI | $134 | $233 |
| Drivers With A Speeding Ticket | $92 | $159 |
| Drivers With Bad Credit | $133 | $275 |
| Drivers With Low Income | $82 | $168 |
| Drivers With Newer Cars | $92 | $160 |
| Drivers With Old Cars | $74 | $127 |
Rate variations reflect Kentucky's moderate insurance market, where demographic factors create substantial premium differences across driver categories.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Kentucky Car Insurance Cost by Company
Travelers offers the most affordable rates in Kentucky at $94 monthly for full coverage, while GEICO charges the highest at $118 monthly. Car insurance rates show moderate variation between companies in Kentucky, with full coverage premiums spanning from $94 to $118 monthly among major insurers.
Kentucky drivers can save approximately $286 annually by choosing the most cost-effective option over the most expensive carrier.
| Travelers | $47 | $94 |
| State Farm | $49 | $115 |
| Shelter Insurance | $51 | $117 |
| Geico | $52 | $118 |
| Auto Owners | $59 | $109 |
Average Kentucky Car Insurance Cost By City
Full coverage rates vary from $90 monthly in Fort Thomas to $204 in Fairdale, showing how urban density and regional factors impact premiums. Location affects Kentucky car insurance costs across the state's cities.
The $114 monthly difference between the most and least expensive cities demonstrates why comparing rates for your specific location matters. Compare rates for your city below.
Data filtered by:
Aberdeen
| Full Coverage | $114 | $1,368 |
| Minimum Coverage | $64 | $767 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is Kentucky Car Insurance Expensive?
Kentucky ranks 36th for full coverage and 42nd for minimum coverage affordability, making it one of the more expensive states for car insurance. Your actual costs may vary based on your specific city.
Why Is Car Insurance More Expensive In Kentucky?
Here's what drives Kentucky's high car insurance costs:
Choice No-Fault Insurance System
Kentucky operates as a "choice no-fault" state, meaning drivers can opt out of personal injury protection coverage by filing a rejection form with the Kentucky Department of Insurance.
By default, all Kentucky drivers have PIP coverage that pays up to $10,000 per person for medical expenses, lost wages and related costs regardless of who caused the accident.
Drivers can reject PIP coverage to save money, though this also removes the lawsuit protections that come with no-fault coverage.
High Rate of Uninsured Drivers
Kentucky has one of the highest rates of uninsured drivers in the nation, with a substantial percentage of drivers operating without insurance.
About one in seven drivers on Kentucky roads lacks proper insurance coverage, much higher than states with effective enforcement mechanisms.
The high number of uninsured motorists makes optional uninsured motorist coverage valuable for Kentucky drivers, as it provides financial protection when hit by someone without insurance.
Severe Weather and Natural Disasters
Since 2020, FEMA has issued disaster declarations for Kentucky, with the state experiencing a relentless string of billion-dollar weather disasters including tornadoes, floods and ice storms.
Wind and hail have the most impact on insurance claims in Kentucky, with the last two years seeing an unprecedented number of catastrophic weather events.
Frequent extreme weather in Kentucky, like tornadoes, contributes to variations in policy pricing as insurers deal with increased claim payouts.
Rising Repair and Health Care Costs
Auto repairs in Kentucky cost more due to added technology and features in modern cars, contributing to higher insurance premiums.
The cost of providing insurance continues to rise both in Kentucky and nationwide, with all insured drivers sharing the increasing cost through higher premiums at renewal time.
Insurance companies lose money due to frequent catastrophic events, making it difficult to keep rates stable.
Car Theft and Crime Issues
Motor vehicle theft occurs frequently in Kentucky, with the Kentucky State Police reporting increases in recent years. Louisville, Kentucky's largest city, has higher car theft rates, with the busy streets becoming even more crowded when out-of-state visitors arrive for attractions like Churchill Downs. Higher population density in Louisville leads to heavier traffic and more claims, while theft and vandalism occur more often in large cities than rural areas.
Limited Insurance Options for High-Risk Drivers
Kentucky has a state-sponsored auto insurance plan for high-risk drivers who may find it difficult to get coverage on the voluntary market. If you have trouble getting insured through the voluntary market, you can get coverage via the Kentucky Automobile Insurance Plan, provided you meet eligibility requirements including proof that you attempted and couldn't get insurance in the last 60 days. Drivers who've been denied car insurance on the voluntary market due to a checkered driving record or other factors can seek coverage through the Kentucky Automobile Insurance Plan.
Inflation Effects
Drivers in cities like Louisville, Lexington and Bowling Green often pay more due to heavier traffic, higher accident rates and increased risk of car theft.
Kentucky presents a unique set of risks that can impact insurance costs, from icy winter roads to long rural commutes. People in Kentucky drive more, resulting in an increase in accidents, claims and payouts.
How To Lower Car Insurance Costs In Kentucky
Want to cut your car insurance costs? Here's how to lower your rates:
- 1Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value, and risk tolerance.
- 2Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies to compare. Use industry studies, review forums, and public forums like Reddit for research.
- 4Compare quotes through multiple means
Compare quotes from multiple companies side by side to find the best deal. Use different methods like online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Kentucky: Bottom Line
Kentucky car insurance costs are among the higher in the United States. Decide on your coverage needs first, research companies thoroughly and compare quotes from multiple insurers to get the best rates.
Cost of Car Insurance in Kentucky: FAQ
We answer common questions about Kentucky car insurance costs:
How much is Kentucky car insurance per month?
Kentucky car insurance costs $76 monthly for minimum coverage and $132 for full coverage. Rates range from $74 to $320 monthly depending on your driver profile and coverage choice.
What factors affect Kentucky car insurance costs?
Your driving record, age, and location affect your rates, with accidents, violations, and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Kentucky car insurance so expensive?
Kentucky operates a choice no-fault system where drivers can opt out of PIP coverage by filing rejection forms. The state has an uninsured driver rate of 13.9% and experiences severe weather including tornadoes, floods, and ice storms. Insurance costs at $1,580 annually reflect weather risks, accident rates, and vehicle theft rates, particularly in urban areas like Louisville.
How expensive is Kentucky car insurance?
Kentucky ranks 42nd in affordability for minimum coverage and 36th overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Kentucky Car Insurance Costs
To calculate car insurance costs in Kentucky, we used the following driver profile and applied variations of it across all ZIP codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
For coverage levels, minimum coverage refers to the state’s required liability limits, while full coverage includes 100/300/100 liability limits with a $1,000 deductible for both comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
