Updated: July 8, 2026
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Kentucky car insurance costs $76 per month for minimum coverage and $132 per month for full coverage. Minimum coverage is $16 above the national average of $60, and full coverage is $8 above the national average of $124.
In Kentucky, drivers with the same profile can pay $33 or more apart depending on the insurer they choose. Where you live, your age and your driving record also affect your quote, though none of them affect it as much as the company you pick.
Minimum Coverage | $76 | $60 | $914 | $726 |
Full Coverage | $132 | $124 | $1,580 | $1,493 |
Deductible choice changes your Kentucky rate more than your liability limits do. Take the $0-deductible minimum policy: it costs $159 a month, $21 more than full 100/300/100 coverage at $138, even though that $138 policy protects you better. Minimum liability alone costs $79 a month. Add comprehensive and collision with a $1,000 deductible and it's $90, and that's what covers your own car, not just the other driver's
Minimum Liability Only | $79 | $944 |
Min. liab. + comp/coll ($1,000 ded.) | $90 | $1,077 |
Min. liab. + comp/coll ($2,000 ded.) | $110 | $1,321 |
50/100/50 liability + comp/coll ($500 ded.) | $138 | $1,660 |
100/300/100 liability + comp/coll ($1,000 ded.) | $138 | $1,652 |
Min. liab. + comp/coll ($250 ded.) | $140 | $1,685 |
300/500/300 liability + comp/coll ($1,500 ded.) | $156 | $1,867 |
Min. liab. + comp/coll ($0 ded.) | $159 | $1,907 |
Louisville drivers pay $153 per month for full coverage, $51 more than Owensboro at $90. That's $612 a year between Kentucky's priciest and cheapest cities, and the $51 monthly is more than the $11 it costs to add comprehensive and collision to a minimum policy anywhere in the state. Louisville's rate comes from Jefferson County's uninsured drivers and heavy commuter traffic on its main routes. Georgetown follows at $141 because of I-75 commuter volume through the Lexington corridor, and Owensboro's lower rate is from the lighter traffic and fewer interstate connections in western Kentucky.
$153 | $88 | |
Georgetown | $141 | $83 |
$109 | $62 | |
Bowling Green | $108 | $61 |
Hopkinsville | $103 | $59 |
Nicholasville | $99 | $55 |
Covington | $97 | $54 |
Richmond | $97 | $54 |
Florence | $93 | $52 |
Owensboro | $90 | $50 |
In Kentucky, a 16-year-old male driver on a family plan pays $4,070 per year, $297 more than a 16-year-old female at $3,773 as Kentucky allows insurers to price by gender. The difference gets smaller through the early 20s and almost evens out by the mid-20s. To see your own estimate, try our free Kentucky car insurance calculator.
A not-at-fault accident in Kentucky raises full coverage from $138 to $150 per month ($144 more a year), even if the other driver caused it. Speeding costs more at $167 a month, or $349 more a year than a clean record. A DUI in Kentucky costs the most with $242 a month or about $1,250 a year, and can limit you to the state's high-risk insurers.
Clean Record | $138 | $1,652 | - |
Accident (not at fault) | $150 | $1,805 | 9% |
Texting While Driving | $163 | $1,958 | 18% |
Speeding | $167 | $2,001 | 21% |
Accident (at fault) | $202 | $2,423 | 46% |
DUI | $242 | $2,907 | 75% |
Kentucky insurers calculate rates based on credit score, and the difference is large: $130 a month for good credit versus $275 for bad ($1,740 a year). Two drivers with the same car and driving record can be quoted differently simply because their credit scores are different. Nothing else here is as easy to change as your credit score, and drivers with low income or a lower score can find insurers with lower rates.
Good Credit | $74 | $130 |
Bad Credit | $133 | $275 |
Difference | $59 | $145 |
The Ford F-150 costs $170 per month for full coverage in Kentucky, while the Tesla Model Y costs $244, a $74 monthly (or $888 a year) difference. The Model Y costs more because its repairs need specialized technicians. Kentucky's tornado and hail season also affects your rate beyond what you paid for the car, since insurance costs by vehicle are based on how expensive a car is to fix after storm damage.
$100 | $1,199 | $170 | $2,037 | |
$102 | $1,227 | $173 | $2,078 | |
$106 | $1,270 | $179 | $2,152 | |
$108 | $1,301 | $184 | $2,208 | |
$109 | $1,307 | $184 | $2,211 | |
$112 | $1,348 | $191 | $2,287 | |
$122 | $1,468 | $209 | $2,505 | |
$143 | $1,711 | $244 | $2,922 |
Credit score changes Kentucky rates by $145 a month, from $130 for good credit to $275 for poor credit. The company you choose adds another $33 a month, from Travelers at $94 to Progressive at $127, for the same driver on the same policy.
Travelers charges $94 per month for full coverage in Kentucky, the lowest rate for a clean-record driver on the standard profile. If you have a DUI or credit issues, another insurer that may quote you lower, since each insurer considers violations and credit differently. To see your options, compare the cheapest and best car insurance companies in Kentucky.
$47 | $94 | $560 | $1,132 | |
$49 | $115 | $582 | $1,382 | |
$59 | $109 | $712 | $1,304 | |
$51 | $117 | $618 | $1,398 | |
$52 | $118 | $621 | $1,419 | |
$89 | $127 | $1,065 | $1,530 |
Kentucky car insurance averages $76 per month for minimum coverage and $132 for full coverage. Your actual rate depends on your driving record, age, credit score and the coverage you choose.
Kentucky's uninsured driver rate of 15.4% is above the national average of 13%, and that raises rates for everyone who is insured. Frequent tornadoes and flooding also raise repair costs across the state, generating over $150 million in vehicle damage claims a year.
Drivers with good credit pay $130 per month for full coverage in Kentucky, while those with poor credit pay $275, a $145 monthly difference that totals $1,740 a year.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
