What is the monthly cost of car insurance in Kentucky?

The average car insurance cost in Kentucky per month is $238 for full coverage and $64 for minimum coverage. You may see higher or lower rates based on your age, gender, driving history, credit tier, ZIP code and other personal rating factors.

How much car insurance do I need in Kentucky?

Like almost all states, Kentucky requires drivers to have at least a minimum amount of car insurance to drive on public roads legally. For drivers in the Bluegrass State, those minimums include liability coverage as follows: $25,000 in bodily injury liability per person per accident, $50,000 in bodily injury liability total per accident and $25,000 in property damage liability per accident. Insurance experts recommend that you purchase higher limits if you can afford to in order to avoid out-of-pocket costs if you cause an accident. If you have a car loan or lease, you may also be required by the lender to carry a full coverage policy.

What is the cheapest car insurance company in Kentucky?

Car insurance companies use more than a dozen factors to determine your rate. In Kentucky, these could include your age, gender, credit tier, claims history, ZIP code, vehicle type and more. As a result, the cheapest insurance company is different for every driver. However, based on our research and average premium data provided by Quadrant Information Services, you may want to request quotes from USAA and Kentucky Farm Bureau if you’re looking for cheap Kentucky car insurance.

What is the best car insurance company in Kentucky?

Every driver brings their own unique needs and underwriting profile to the table, which means that the best car insurance company is different for everyone. For example, some companies give less weight to credit than others, leading them to offer more favorable rates to those with poor credit. Perhaps you have a newly-licensed teen in the house, making it essential to find a company that offers young driver discounts. When shopping for new insurance, you might find it helpful to consider your priorities and then seek out carriers that can meet them. You may also find it worth your while to speak with a licensed agent for guidance and advice.

Is car insurance expensive in Kentucky?

Kentucky drivers pay average car insurance premiums close to the national averages of $799 for minimum coverage and $2,678 for full coverage, which includes collision and comprehensive coverage. In Kentucky, the averages are $773 and $2,855. Note, however, that your own rate is based on a handful of characteristics that are unique to you and your situation, including your credit history, driving record and the make and model of your car, so your own rate is likely to differ from state and national averages.

For credit based-based insurance scores:

These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

For incident-based insurance rates:

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

For age-based insurance rates:

Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

For teen insurance rates:

Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

For model-based insurance rates:

To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.

For gender-based insurance rates:

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

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Average cost of car insurance in Kentucky in 2025

Written by

Natalie Todoroff

Edited by

Amelia Buckley

Edited by

Amelia Buckley

Updated Mar 01, 2025

According to our proprietary data, the average annual cost for a full coverage car insurance policy in Kentucky is $2,855, with minimum coverage averaging $773.

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How much is car insurance in Kentucky?

Understanding average Kentucky car insurance rates can help you know whether or not you’re getting a good deal. Bankrate analyzed rate data from Quadrant Information Services and found that, on average, car insurance in Kentucky costs $2,855 per year for a full coverage policy and $773 for minimum coverage. Car insurance in the Bluegrass State is slightly more expensive than the national average, which currently sits at $2,678 for full coverage and $799 for minimum. That said, car insurance costs vary widely from driver to driver: your age, gender, vehicle, ZIP code, driving history and other personal rating factors all influence what you pay for your policy.

Finding the right policy can feel overwhelming, but Bankrate can help. We took a careful look at how much car insurance is in Kentucky and put together some information to help drivers find the coverage they need. We’ll take an in-depth look at insurance costs for different driving profiles and give you our best tips on how to save on your premium.

Key takeaways

The average cost of car insurance in Kentucky is $238 per month for full coverage and $64 per month for minimum coverage.
According to our average rate data research, Kentucky car insurance is the most expensive for 18-year-old males. On average, 18-year-old male drivers insured on their own policies pay $8,796 per year for full coverage.
Average rates indicate that Goose Rock is one of the priciest cities in Kentucky for car insurance.
In Kentucky, 40-year-old men pay an average of 2 percent more per year than 40-year-old women for a full coverage policy.

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Kentucky car insurance rates by city

Insurance providers often look at your ZIP code to help determine your rate. A higher population density usually leads to heavier traffic, and heavier traffic usually leads to more claims. Additionally, theft and vandalism may occur more often in large cities than in rural areas.

Both of these risk factors inflate insurance prices in Louisville, Kentucky’s biggest city. The already busy streets become even more crowded when influxes of out-of-state drivers visit the city’s popular tourist attractions, including Churchill Downs (home of the Kentucky Derby). Louisville Metro Police also reported that 770 vehicles were stolen in 2024 alone, a problem they are actively addressing with Operation HEAT (Help Eliminate Car Theft).

Although these risks don't necessarily mean that car insurance is always more expensive in bigger cities, it does illustrate how where you live within a state can impact how much you pay for coverage.

The table below shows how rates may differ between various cities in Kentucky:

City	Avg. monthly full coverage premium	Avg. annual full coverage premium	Avg. savings vs. state average
Louisville	$268	$3,216	+12%
La Grange	$239	$2,863	+0%
Lockport	$231	$2,775	-3%
Saint Catharine	$242	$2,898	+1%
Shelbyville	$235	$2,819	-1%
Cloverport	$250	$3,003	+5%
Mc Quady	$249	$2,982	+4%
Rineyville	$234	$2,810	-2%
Maysville	$233	$2,794	-2%
Verona	$197	$2,369	-19%
Walton	$193	$2,320	-21%
Worthville	$241	$2,890	+1%
Ashland	$219	$2,623	-8%
Garrison	$221	$2,652	-7%
Quincy	$236	$2,834	-1%
South Shore	$233	$2,800	-2%
East Point	$329	$3,943	+32%
Meally	$322	$3,866	+30%
Elliottville	$264	$3,167	+10%
Irvine	$259	$3,102	+8%
Paris	$217	$2,610	-9%
Salt Lick	$225	$2,695	-6%
Versailles	$207	$2,489	-14%
Wilmore	$194	$2,323	-21%
Annville	$302	$3,621	+24%
Brodhead	$249	$2,992	+5%
Bloomfield	$243	$2,916	+2%
Finchville	$226	$2,716	-5%
Fisherville	$249	$2,982	+4%
Pendleton	$230	$2,762	-3%
Sulphur	$234	$2,807	-2%
Guston	$232	$2,790	-2%
Payneville	$254	$3,051	+7%
Radcliff	$218	$2,621	-9%
Sedalia	$243	$2,918	+2%
Bowling Green	$205	$2,458	-15%
Adolphus	$231	$2,776	-3%
Cave City	$227	$2,726	-5%
Lucas	$210	$2,520	-12%
Clifty	$238	$2,859	+0%
Elkton	$231	$2,770	-3%
Roundhill	$225	$2,696	-6%
Russellville	$226	$2,716	-5%
Sharon Grove	$237	$2,844	-0%
Hickman	$233	$2,796	-2%
Glasgow	$208	$2,491	-14%
Allensville	$229	$2,744	-4%
Cerulean	$241	$2,893	+1%
Olmstead	$206	$2,470	-14%
Buckner	$223	$2,681	-6%
Campbellsburg	$233	$2,796	-2%
Bradfordsville	$245	$2,940	+3%
Pine Knot	$263	$3,155	+10%
Burkesville	$230	$2,764	-3%
Greensburg	$248	$2,976	+4%
Horse Cave	$235	$2,822	-1%
Mount Sherman	$228	$2,736	-4%
Upton	$251	$3,008	+5%
Elizabethtown	$230	$2,758	-3%
Elk Horn	$244	$2,933	+3%
Rhodelia	$237	$2,838	-1%
Loretto	$262	$3,141	+10%
Pewee Valley	$219	$2,627	-8%
Fairdale	$258	$3,101	+8%
Garfield	$251	$3,009	+5%
Muldraugh	$244	$2,922	+2%
West Point	$223	$2,676	-6%
Bremen	$226	$2,706	-5%
Browder	$222	$2,668	-7%
Dundee	$223	$2,671	-7%
Sacramento	$243	$2,915	+2%
South Carrollton	$220	$2,642	-8%
Nortonville	$240	$2,881	+1%
Sturgis	$243	$2,913	+2%
Somerset	$259	$3,108	+8%
Bronston	$234	$2,806	-2%
Dunnville	$250	$3,005	+5%
Fairfield	$256	$3,072	+7%
Harrods Creek	$268	$3,213	+12%
Battletown	$260	$3,120	+9%
Custer	$250	$2,999	+5%
Ekron	$245	$2,936	+3%
Falls Of Rough	$253	$3,033	+6%
Hardinsburg	$235	$2,823	-1%
Hudson	$236	$2,827	-1%
Irvington	$256	$3,070	+7%
Shepherdsville	$238	$2,861	+0%
Union Star	$253	$3,041	+6%
Westview	$246	$2,951	+3%
Mount Washington	$227	$2,724	-5%
New Haven	$239	$2,868	+0%
Clermont	$231	$2,766	-3%
Harned	$235	$2,826	-1%
Revelo	$254	$3,053	+7%
Goshen	$246	$2,948	+3%
Mackville	$238	$2,858	+0%
Nerinx	$243	$2,921	+2%
Prospect	$228	$2,730	-4%
Taylorsville	$261	$3,136	+9%
Turners Station	$234	$2,809	-2%
Vine Grove	$222	$2,666	-7%
Cub Run	$251	$3,007	+5%
Eastview	$225	$2,696	-6%
Knifley	$223	$2,675	-7%
Leitchfield	$249	$2,984	+4%
White Mills	$242	$2,909	+2%
Pine Ridge	$257	$3,087	+8%
Vancleve	$305	$3,658	+25%
Pikeville	$315	$3,778	+28%
Mc Andrews	$329	$3,946	+32%
Majestic	$317	$3,802	+28%
David	$335	$4,022	+34%
Gunlock	$322	$3,858	+30%
Melvin	$314	$3,763	+27%
Lexington	$197	$2,358	-19%
Woodbine	$297	$3,561	+22%
Ages Brookside	$303	$3,636	+24%
Bledsoe	$314	$3,771	+28%
Burna	$238	$2,855	+0%
Clinton	$234	$2,809	-2%
Farmington	$224	$2,683	-6%
Breeding	$221	$2,647	-8%
Gradyville	$219	$2,624	-8%
Sonora	$241	$2,887	+1%
Whitley City	$263	$3,158	+10%
Big Clifty	$233	$2,799	-2%
Glens Fork	$224	$2,687	-6%
Bonnieville	$250	$2,997	+5%
Campbellsville	$226	$2,711	-5%
Canmer	$249	$2,991	+5%
Dubre	$248	$2,978	+4%
Munfordville	$250	$2,999	+5%
Jonesville	$242	$2,899	+2%
Milford	$275	$3,295	+14%
Williamstown	$229	$2,744	-4%
West Van Lear	$327	$3,921	+31%
Marshes Siding	$257	$3,084	+8%
Cecilia	$232	$2,784	-3%
Glendale	$225	$2,699	-6%
Parkers Lake	$246	$2,956	+3%
Stearns	$260	$3,123	+9%
Hazel	$218	$2,616	-9%
Milburn	$246	$2,949	+3%
Austin	$212	$2,543	-12%
Etoile	$228	$2,734	-4%
Glenview	$225	$2,702	-6%
Lebanon	$261	$3,137	+9%
Raywick	$245	$2,937	+3%
Stephensport	$238	$2,852	-0%
Bonnyman	$336	$4,027	+34%
Cornettsville	$333	$3,991	+33%
Fisty	$327	$3,925	+32%
Cromona	$326	$3,912	+31%
Mousie	$307	$3,684	+25%
Almo	$217	$2,602	-9%
Gulston	$284	$3,405	+18%
Helton	$318	$3,814	+29%
Hoskinston	$330	$3,963	+32%
Eastwood	$256	$3,075	+7%
Sandgap	$311	$3,730	+27%
Keavy	$276	$3,311	+15%
London	$276	$3,314	+15%
Williamsburg	$277	$3,326	+15%
Big Laurel	$314	$3,771	+28%
Mayslick	$218	$2,613	-9%
Morning View	$198	$2,373	-18%
Argillite	$234	$2,812	-2%
Catlettsburg	$229	$2,749	-4%
Flatwoods	$228	$2,741	-4%
Greenup	$235	$2,816	-1%
Olive Hill	$248	$2,977	+4%
Sitka	$319	$3,827	+29%
Stambaugh	$323	$3,879	+30%
Williamsport	$320	$3,846	+30%
Beattyville	$305	$3,663	+25%
Booneville	$317	$3,799	+28%
Gravel Switch	$241	$2,897	+1%
Means	$222	$2,667	-7%
Berea	$196	$2,348	-19%
Grand Rivers	$255	$3,061	+7%
La Center	$246	$2,955	+3%
Kuttawa	$228	$2,734	-4%
Lowes	$268	$3,215	+12%
Mayfield	$242	$2,898	+1%
Murray	$230	$2,764	-3%
Kevil	$220	$2,644	-8%
Lovelaceville	$242	$2,907	+2%
Wickliffe	$231	$2,770	-3%
Alvaton	$194	$2,327	-20%
Fort Campbell	$234	$2,813	-1%
Lewisburg	$233	$2,802	-2%
Morgantown	$227	$2,728	-5%
Oak Grove	$233	$2,799	-2%
Rochester	$228	$2,733	-4%
Denniston	$283	$3,402	+17%
New Liberty	$234	$2,805	-2%
Winchester	$215	$2,585	-10%
Farmers	$264	$3,164	+10%
Preston	$261	$3,137	+9%
Richmond	$190	$2,281	-22%
Junction City	$231	$2,770	-3%
Orlando	$269	$3,225	+12%
Wildie	$307	$3,689	+25%
Russell Springs	$239	$2,864	+0%
Buffalo	$226	$2,713	-5%
Hodgenville	$223	$2,681	-6%
Millwood	$246	$2,954	+3%
Kirksey	$219	$2,631	-8%
Ledbetter	$252	$3,021	+6%
Beaumont	$236	$2,838	-1%
Smiths Grove	$233	$2,793	-2%
Auburn	$208	$2,499	-13%
Bee Spring	$247	$2,963	+4%
Center	$221	$2,652	-7%
Rockfield	$198	$2,380	-18%
Trenton	$214	$2,566	-11%
Wingo	$244	$2,922	+2%
Edmonton	$221	$2,651	-7%
Franklin	$221	$2,652	-7%
Woodburn	$201	$2,410	-17%
Jetson	$237	$2,839	-1%
New Castle	$233	$2,797	-2%
Smithfield	$228	$2,738	-4%
Willisburg	$257	$3,087	+8%
Fort Knox	$234	$2,807	-2%
Lebanon Junction	$248	$2,971	+4%
Mc Daniels	$231	$2,770	-3%
Asher	$320	$3,839	+29%
Hardyville	$248	$2,971	+4%
Marrowbone	$240	$2,885	+1%
Knob Lick	$233	$2,798	-2%
Crofton	$240	$2,885	+1%
Kettle Island	$302	$3,629	+24%
Strunk	$262	$3,142	+10%
Caneyville	$234	$2,813	-1%
Magnolia	$251	$3,007	+5%
West Paducah	$217	$2,599	-9%
Eighty Eight	$210	$2,518	-13%
Oakland	$204	$2,444	-16%
Tompkinsville	$234	$2,808	-2%
Cadiz	$244	$2,931	+3%
Jamestown	$237	$2,844	-0%
Monticello	$232	$2,781	-3%
Clarkson	$253	$3,032	+6%
Columbia	$222	$2,661	-7%
Summersville	$248	$2,978	+4%
Beechmont	$223	$2,681	-6%
Central City	$240	$2,878	+1%
Hawesville	$220	$2,638	-8%
Olaton	$239	$2,870	+1%
Philpot	$193	$2,317	-21%
Ferguson	$262	$3,148	+10%
Rousseau	$298	$3,579	+23%
Malone	$322	$3,867	+30%
Canada	$317	$3,807	+29%
Fedscreek	$328	$3,931	+32%
Phelps	$331	$3,977	+33%
Blue River	$320	$3,837	+29%
Garrett	$318	$3,812	+29%
Grethel	$318	$3,816	+29%
Hueysville	$325	$3,902	+31%
Salem	$246	$2,957	+4%
Smithland	$243	$2,916	+2%
Drake	$229	$2,744	-4%
Summer Shade	$218	$2,613	-9%
Midway	$195	$2,340	-20%
Nicholasville	$193	$2,314	-21%
Hardin	$219	$2,624	-8%
Melber	$252	$3,030	+6%
Symsonia	$219	$2,633	-8%
Mount Hermon	$232	$2,788	-2%
Rocky Hill	$217	$2,603	-9%
Fairview	$257	$3,087	+8%
Mount Eden	$242	$2,909	+2%
Nazareth	$247	$2,966	+4%
Pleasureville	$231	$2,770	-3%
Port Royal	$236	$2,827	-1%
Simpsonville	$221	$2,649	-7%
Brooks	$231	$2,772	-3%
Gamaliel	$215	$2,576	-10%
Holland	$213	$2,555	-11%
Aberdeen	$223	$2,680	-6%
Brownsville	$226	$2,710	-5%
Dunbar	$225	$2,694	-6%
Gracey	$237	$2,838	-1%
Herndon	$236	$2,828	-1%
La Fayette	$235	$2,825	-1%
Pembroke	$235	$2,819	-1%
Bedford	$246	$2,951	+3%
Chaplin	$232	$2,790	-2%
Eminence	$233	$2,791	-2%
Drakesboro	$225	$2,705	-5%
Lewisport	$212	$2,549	-11%
Hanson	$236	$2,833	-1%
Manitou	$216	$2,598	-9%
Spottsville	$208	$2,501	-13%
Georgetown	$214	$2,562	-11%
Harrodsburg	$231	$2,778	-3%
Olympia	$222	$2,666	-7%
Sadieville	$213	$2,554	-11%
Bighill	$244	$2,932	+3%
Gray Hawk	$344	$4,127	+36%
Mc Kinney	$244	$2,933	+3%
Ravenna	$281	$3,368	+16%
Frankfort	$224	$2,688	-6%
Corbin	$273	$3,279	+14%
East Bernstadt	$268	$3,217	+12%
Cawood	$292	$3,509	+21%
Lily	$260	$3,120	+9%
Salvisa	$226	$2,715	-5%
Sharpsburg	$239	$2,870	+1%
Hustonville	$252	$3,019	+6%
Frenchburg	$275	$3,297	+14%
Millersburg	$219	$2,634	-8%
Stamping Ground	$207	$2,486	-14%
Danville	$230	$2,764	-3%
Chappell	$325	$3,901	+31%
Dayhoit	$302	$3,627	+24%
Harlan	$304	$3,651	+24%
Pathfork	$310	$3,726	+26%
Roark	$319	$3,833	+29%
Sextons Creek	$328	$3,935	+32%
Dover	$222	$2,664	-7%
Foster	$244	$2,930	+3%
Lawrenceburg	$227	$2,723	-5%
Waco	$214	$2,564	-11%
Wellington	$285	$3,418	+18%
Coalgood	$288	$3,454	+19%
Totz	$301	$3,613	+23%
Brooksville	$241	$2,894	+1%
Corinth	$215	$2,575	-10%
Dry Ridge	$241	$2,896	+1%
Ewing	$220	$2,637	-8%
Mize	$295	$3,546	+22%
Rowdy	$317	$3,808	+29%
Saint Helens	$318	$3,818	+29%
Burdine	$304	$3,643	+24%
Phyllis	$330	$3,965	+33%
Allen	$307	$3,688	+25%
Betsy Layne	$319	$3,826	+29%
Eastern	$317	$3,805	+29%
Essie	$305	$3,661	+25%
Evarts	$291	$3,495	+20%
Hulen	$303	$3,634	+24%
Lejunior	$323	$3,872	+30%
Shelbiana	$313	$3,762	+27%
Dana	$315	$3,777	+28%
Drift	$327	$3,920	+31%
Hi Hat	$334	$4,010	+34%
Minnie	$323	$3,875	+30%
Stanford	$245	$2,943	+3%
Waynesburg	$247	$2,962	+4%
Rockholds	$272	$3,268	+13%
Dexter	$234	$2,810	-2%
Eddyville	$225	$2,704	-5%
Kenton	$242	$2,899	+2%
Bellevue	$187	$2,242	-24%
Isonville	$304	$3,654	+25%
Rush	$213	$2,558	-11%
Soldier	$251	$3,006	+5%
Beauty	$314	$3,766	+28%
Hagerhill	$327	$3,920	+31%
Keaton	$321	$3,849	+30%
Paintsville	$327	$3,922	+31%
River	$307	$3,688	+25%
Campton	$311	$3,735	+27%
Bardstown	$255	$3,060	+7%
Independence	$196	$2,348	-20%
Silver Grove	$194	$2,322	-21%
Washington	$241	$2,887	+1%
Denton	$246	$2,956	+3%
Warfield	$319	$3,826	+29%
Bethlehem	$232	$2,779	-3%
Coxs Creek	$238	$2,858	+0%
Lancaster	$218	$2,619	-9%
Paint Lick	$226	$2,711	-5%
Calvin	$304	$3,643	+24%
Teaberry	$327	$3,920	+31%
Busy	$345	$4,137	+37%
Delphia	$312	$3,743	+27%
Wooton	$319	$3,823	+29%
Deane	$305	$3,656	+25%
Ermine	$308	$3,702	+26%
Littcarr	$306	$3,667	+25%
Pine Top	$304	$3,650	+24%
Redfox	$304	$3,649	+24%
Printer	$328	$3,936	+32%
Carrie	$319	$3,830	+29%
Dayton	$185	$2,217	-25%
Fort Thomas	$180	$2,161	-28%
Sanders	$259	$3,111	+9%
Sparta	$253	$3,035	+6%
Blaine	$308	$3,693	+26%
Grayson	$231	$2,772	-3%
Hitchins	$245	$2,938	+3%
Russell	$229	$2,753	-4%
Adams	$304	$3,648	+24%
Thelma	$331	$3,967	+33%
Ulysses	$292	$3,505	+20%
Masonic Home	$250	$2,994	+5%
New Hope	$261	$3,132	+9%
Springfield	$244	$2,927	+2%
Waddy	$219	$2,625	-8%
Boston	$238	$2,857	+0%
Webster	$238	$2,855	+0%
Melbourne	$206	$2,475	-14%
Minerva	$250	$2,995	+5%
Mount Olivet	$230	$2,761	-3%
Petersburg	$209	$2,507	-13%
Union	$192	$2,305	-21%
Wallingford	$219	$2,626	-8%
Martha	$286	$3,436	+18%
Flatgap	$334	$4,005	+34%
Pilgrim	$332	$3,982	+33%
Tutor Key	$315	$3,779	+28%
Newport	$207	$2,480	-14%
Emerson	$232	$2,787	-2%
Mazie	$298	$3,575	+22%
South Portsmouth	$216	$2,596	-10%
Wittensville	$324	$3,888	+31%
Rockport	$221	$2,650	-7%
Saint Charles	$241	$2,892	+1%
Wheatcroft	$231	$2,774	-3%
Burnside	$265	$3,175	+11%
Warsaw	$245	$2,936	+3%
Sandy Hook	$299	$3,582	+23%
Debord	$327	$3,922	+31%
Lovely	$311	$3,737	+27%
Van Lear	$328	$3,935	+32%
Cromwell	$240	$2,883	+1%
Livermore	$238	$2,852	-0%
Princeton	$246	$2,955	+3%
Uniontown	$219	$2,628	-8%
Liberty	$253	$3,031	+6%
Windsor	$233	$2,798	-2%
Muses Mills	$234	$2,808	-2%
Plummers Landing	$260	$3,118	+9%
Worthington	$231	$2,773	-3%
Louisa	$291	$3,487	+20%
Tomahawk	$321	$3,848	+30%
Graham	$229	$2,744	-4%
Hartford	$222	$2,662	-7%
Horse Branch	$224	$2,688	-6%
Clay	$256	$3,068	+7%
Dixon	$234	$2,811	-2%
Earlington	$222	$2,669	-7%
Morganfield	$240	$2,879	+1%
Providence	$232	$2,785	-2%
Nancy	$242	$2,905	+2%
Stanville	$308	$3,701	+26%
Hazard	$312	$3,748	+27%
Vicco	$319	$3,824	+29%
Yerkes	$341	$4,097	+36%
Isom	$292	$3,503	+20%
Leburn	$299	$3,583	+23%
Paducah	$218	$2,615	-9%
Columbus	$229	$2,743	-4%
Fulton	$248	$2,971	+4%
Woodbury	$268	$3,221	+12%
West Louisville	$223	$2,677	-6%
Robards	$210	$2,521	-12%
Sullivan	$245	$2,936	+3%
White Plains	$242	$2,903	+2%
Yosemite	$230	$2,764	-3%
Eubank	$246	$2,949	+3%
Albany	$228	$2,735	-4%
Beech Creek	$241	$2,891	+1%
Cleaton	$223	$2,679	-6%
Curdsville	$238	$2,853	-0%
Fredonia	$250	$3,000	+5%
Slaughters	$229	$2,752	-4%
Mason	$247	$2,963	+4%
Vanceburg	$223	$2,680	-6%
Tollesboro	$234	$2,810	-2%
Boons Camp	$330	$3,965	+33%
Lowmansville	$302	$3,623	+24%
Staffordsville	$314	$3,766	+28%
Bays	$301	$3,611	+23%
Clayhole	$314	$3,768	+28%
Mc Kee	$297	$3,563	+22%
Mount Vernon	$281	$3,367	+16%
Gray	$304	$3,650	+24%
Baxter	$288	$3,453	+19%
Benham	$280	$3,366	+16%
Crestwood	$236	$2,831	-1%
Rumsey	$223	$2,676	-6%
Mortons Gap	$221	$2,657	-7%
New Concord	$235	$2,823	-1%
Fountain Run	$213	$2,550	-11%
Hopkinsville	$216	$2,592	-10%
Sweeden	$226	$2,718	-5%
Bagdad	$219	$2,625	-8%
Maceo	$191	$2,287	-22%
Utica	$214	$2,564	-11%
Baskett	$255	$3,056	+7%
Corydon	$230	$2,760	-3%
Henderson	$227	$2,718	-5%
Madisonville	$240	$2,880	+1%
Prestonsburg	$325	$3,900	+31%
Avawam	$316	$3,789	+28%
Buckhorn	$324	$3,882	+30%
Hyden	$337	$4,041	+34%
Sassafras	$309	$3,706	+26%
Thousandsticks	$336	$4,028	+34%
Millstone	$301	$3,608	+23%
Neon	$301	$3,611	+23%
Dema	$315	$3,776	+28%
Topmost	$320	$3,843	+30%
Barlow	$229	$2,752	-4%
Ary	$314	$3,763	+27%
Bear Branch	$341	$4,087	+35%
Chavies	$336	$4,027	+34%
Happy	$323	$3,877	+30%
Sizerock	$316	$3,786	+28%
Slemp	$319	$3,826	+29%
Garner	$308	$3,690	+26%
Linefork	$294	$3,531	+21%
Whitesburg	$304	$3,648	+24%
Raven	$302	$3,627	+24%
Arlington	$228	$2,737	-4%
Carlisle	$226	$2,710	-5%
Clearfield	$250	$2,999	+5%
Hope	$237	$2,847	-0%
Moorefield	$220	$2,641	-8%
Owenton	$243	$2,912	+2%
Owingsville	$219	$2,623	-8%
Perry Park	$255	$3,059	+7%
Owensboro	$203	$2,431	-16%
Beaver Dam	$220	$2,643	-8%
Calhoun	$223	$2,682	-6%
Fordsville	$226	$2,708	-5%
Greenville	$240	$2,881	+1%
Reynolds Station	$224	$2,691	-6%
Dawson Springs	$230	$2,764	-3%
Science Hill	$245	$2,945	+3%
Alpha	$240	$2,885	+1%
Burgin	$214	$2,566	-11%
Clay City	$229	$2,752	-4%
Jeffersonville	$229	$2,751	-4%
Slade	$250	$2,999	+5%
Stanton	$248	$2,979	+4%
Webbville	$294	$3,525	+21%
Inez	$331	$3,973	+33%
Oil Springs	$324	$3,886	+31%
Cranks	$304	$3,652	+24%
Kenvir	$304	$3,649	+24%
Lynch	$290	$3,479	+20%
Mary Alice	$293	$3,511	+21%
Pineville	$307	$3,688	+25%
Covington	$207	$2,490	-14%
Ghent	$239	$2,871	+1%
Nebo	$226	$2,709	-5%
Poole	$223	$2,675	-6%
Smith Mills	$211	$2,533	-12%
Middleburg	$252	$3,020	+6%
West Somerset	$257	$3,083	+8%
Jackson	$323	$3,880	+30%
Vincent	$311	$3,728	+27%
Gilbertsville	$221	$2,648	-8%
Hampton	$246	$2,951	+3%
Hickory	$241	$2,892	+1%
Lynnville	$248	$2,975	+4%
Marion	$261	$3,134	+9%
Tiline	$236	$2,829	-1%
Water Valley	$230	$2,761	-3%
Hestand	$212	$2,547	-11%
Park City	$236	$2,831	-1%
Scottsville	$232	$2,779	-3%
Adairville	$218	$2,620	-9%
Guthrie	$227	$2,723	-5%
Mammoth Cave	$245	$2,936	+3%
Island	$219	$2,627	-8%
Maple Mount	$223	$2,680	-6%
Powderly	$223	$2,676	-6%
Rosine	$221	$2,656	-7%
Rogers	$284	$3,411	+18%
Elkfork	$298	$3,573	+22%
Forest Hills	$317	$3,807	+29%
Mc Carr	$337	$4,038	+34%
Robinson Creek	$315	$3,778	+28%
Virgie	$322	$3,866	+30%
Milton	$245	$2,942	+3%
Saint Francis	$260	$3,120	+9%
Westport	$227	$2,726	-5%
Brandenburg	$238	$2,862	+0%
Siler	$277	$3,324	+15%
Yeaddiss	$322	$3,860	+30%
Morehead	$241	$2,889	+1%
Mount Sterling	$226	$2,712	-5%
Crab Orchard	$246	$2,946	+3%
Centertown	$238	$2,854	-0%
Dunmor	$239	$2,868	+0%
Whitesville	$221	$2,647	-8%
Reed	$205	$2,463	-15%
Sebree	$230	$2,755	-4%
Waverly	$219	$2,626	-8%
Bethelridge	$249	$2,984	+4%
Tateville	$260	$3,118	+9%
Livingston	$294	$3,532	+21%
Parksville	$231	$2,775	-3%
Perryville	$232	$2,782	-3%
Renfro Valley	$307	$3,689	+25%
Tyner	$316	$3,796	+28%
Pittsburg	$300	$3,598	+23%
Freeburn	$336	$4,032	+34%
Jenkins	$303	$3,630	+24%
Lookout	$330	$3,963	+33%
Regina	$307	$3,689	+25%
Stone	$328	$3,938	+32%
Stopover	$337	$4,045	+34%
Ashcamp	$313	$3,755	+27%
Fords Branch	$312	$3,746	+27%
Steele	$327	$3,925	+32%
Banner	$317	$3,803	+28%
Ivel	$313	$3,751	+27%
Lackey	$316	$3,787	+28%
Langley	$326	$3,910	+31%
Martin	$313	$3,760	+27%
Whick	$310	$3,721	+26%
Royalton	$326	$3,906	+31%
Elkhorn City	$324	$3,891	+31%
Mouthcard	$313	$3,753	+27%
Myra	$319	$3,823	+29%
Ransom	$326	$3,915	+31%
Harold	$319	$3,823	+29%
Wayland	$315	$3,783	+28%
Scuddy	$330	$3,961	+32%
Vest	$302	$3,628	+24%
Hindman	$321	$3,858	+30%
Premium	$312	$3,744	+27%
Crayne	$251	$3,017	+6%
Cunningham	$225	$2,695	-6%
Kings Mountain	$247	$2,968	+4%
Mitchellsburg	$258	$3,091	+8%
Waneta	$319	$3,825	+29%
Mozelle	$325	$3,902	+31%
Bimble	$306	$3,673	+25%
Fall Rock	$326	$3,908	+31%
Oneida	$335	$4,017	+34%
Saul	$328	$3,935	+32%
Flemingsburg	$216	$2,597	-9%
Germantown	$241	$2,891	+1%
Hillsboro	$237	$2,847	-0%
Cumberland	$285	$3,416	+18%
Holmes Mill	$306	$3,676	+25%
Loyall	$292	$3,501	+20%
Arjay	$292	$3,503	+20%
Barbourville	$305	$3,659	+25%
Bryants Store	$279	$3,348	+16%
Flat Lick	$306	$3,671	+25%
Girdler	$308	$3,698	+26%
Goose Rock	$346	$4,157	+37%
Hinkle	$307	$3,681	+25%
Lone	$304	$3,651	+24%
Lost Creek	$323	$3,871	+30%
Salyersville	$342	$4,104	+36%
Belfry	$326	$3,907	+31%
Hardy	$333	$3,997	+33%
Jonancy	$309	$3,706	+26%
Shelby Gap	$307	$3,681	+25%
Sidney	$323	$3,879	+30%
Beaver	$316	$3,795	+28%
Dwale	$310	$3,715	+26%
Mc Dowell	$330	$3,959	+32%
Stinnett	$322	$3,865	+30%
Warbranch	$329	$3,951	+32%
Beverly	$291	$3,493	+20%
Closplint	$303	$3,641	+24%
Frakes	$268	$3,215	+12%
Garrard	$329	$3,943	+32%
Scalf	$288	$3,453	+19%
Hebron	$191	$2,289	-22%
Emmalena	$320	$3,845	+30%
Jeff	$331	$3,976	+33%
Kite	$316	$3,796	+28%
Roxana	$293	$3,515	+21%
Calvert City	$236	$2,828	-1%
Dycusburg	$263	$3,151	+10%
Tram	$322	$3,862	+30%
Combs	$332	$3,982	+33%
Krypton	$336	$4,035	+34%
Viper	$318	$3,811	+29%
Mistletoe	$299	$3,587	+23%
Ezel	$297	$3,570	+22%
West Liberty	$304	$3,647	+24%
Huddy	$325	$3,904	+31%
Rockhouse	$309	$3,704	+26%
Auxier	$308	$3,699	+26%
Smilax	$331	$3,976	+33%
Blackey	$313	$3,755	+27%
Mallie	$293	$3,510	+21%
Bardwell	$227	$2,724	-5%
Benton	$236	$2,830	-1%
Boaz	$228	$2,731	-4%
Zoe	$294	$3,523	+21%
Cannel City	$308	$3,695	+26%
Crockett	$322	$3,867	+30%
South Williamson	$326	$3,914	+31%
Kimper	$318	$3,815	+29%
Raccoon	$319	$3,828	+29%
Walker	$306	$3,670	+25%
Butler	$235	$2,826	-1%
Latonia	$193	$2,321	-21%
Elizaville	$259	$3,111	+9%
Putney	$304	$3,653	+25%
Cannon	$302	$3,623	+24%
Heidrick	$305	$3,662	+25%
Ingram	$304	$3,647	+24%
Middlesboro	$301	$3,613	+23%
Trosper	$306	$3,671	+25%
Augusta	$244	$2,925	+2%
Falmouth	$240	$2,875	+1%
Glencoe	$248	$2,971	+4%
Eolia	$299	$3,594	+23%
Partridge	$297	$3,559	+22%
Wallins Creek	$292	$3,505	+20%
Big Creek	$315	$3,783	+28%
Green Road	$304	$3,653	+25%
Hima	$328	$3,938	+32%
Manchester	$337	$4,038	+34%
Berry	$227	$2,724	-5%
Coldiron	$288	$3,453	+19%
Grays Knob	$288	$3,459	+19%
Artemus	$301	$3,616	+24%
Erlanger	$206	$2,468	-15%
Miracle	$306	$3,671	+25%
Fourmile	$289	$3,468	+19%
California	$192	$2,305	-21%
Ft Mitchell	$191	$2,293	-22%
Crittenden	$216	$2,592	-10%
De Mossville	$234	$2,804	-2%
Stoney Fork	$306	$3,674	+25%
Alexandria	$192	$2,300	-22%
Burlington	$190	$2,284	-22%
Florence	$191	$2,291	-22%
Ricetown	$291	$3,487	+20%
Falcon	$335	$4,017	+34%
Belcher	$315	$3,781	+28%
Hellier	$313	$3,752	+27%
Lick Creek	$319	$3,828	+29%
Pinsonfork	$336	$4,036	+34%
Varney	$316	$3,791	+28%
Bevinsville	$322	$3,860	+30%
Bypro	$325	$3,898	+31%
Hazel Green	$314	$3,766	+28%
Carrollton	$256	$3,072	+7%
Cynthiana	$234	$2,803	-2%
Wendover	$320	$3,842	+29%
Letcher	$299	$3,594	+23%
Seco	$310	$3,722	+26%
Belton	$225	$2,698	-6%
Mc Henry	$217	$2,601	-9%
Weeksbury	$328	$3,935	+32%
Jackhorn	$296	$3,546	+22%
Jeremiah	$314	$3,764	+27%
Wheelwright	$334	$4,010	+34%
Bulan	$315	$3,784	+28%
Dwarf	$317	$3,799	+28%
Gays Creek	$318	$3,818	+29%
Gordon	$318	$3,817	+29%
Hallie	$300	$3,601	+23%
Mc Roberts	$296	$3,552	+22%
Mayking	$297	$3,568	+22%
Pippa Passes	$302	$3,625	+24%
Thornton	$304	$3,643	+24%
Bandana	$229	$2,744	-4%
Fancy Farm	$223	$2,670	-7%

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Average car insurance costs by age and gender in Kentucky

Car insurance rates in Kentucky can vary depending on factors like your age and gender. Teens and young adults tend to take more risks while on the road, leading to a higher rate of severe crashes. In fact, 16- to 19-year-old drivers get into almost four times as many fatal accidents per mile compared to any other age group. To compensate for this added risk, insurers charge this segment of drivers some of the highest average rates.

The tables below show full coverage breakdowns for drivers by age and gender. You may notice that 18-year-old drivers pay more than 16-year-olds, but this is because our 16-year-old premium data is based on the teen listed on their parents’ policy. 18-year-old driving data, on the other hand, is based on the driver listed on their own policy.

Age 40

Average annual full coverage premium in KY

$2,879

Average minimum coverage premium in KY

$765

Age 50

Average annual full coverage premium in KY

$2,608

Average minimum coverage premium in KY

$720

Age 60

Average annual full coverage premium in KY

$2,522

Average minimum coverage premium in KY

$704

Age 70

Average annual full coverage premium in KY

$2,696

Average minimum coverage premium in KY

$794


Age 16*	Average annual full coverage premium in KY $5,904	Average minimum coverage premium in KY $1,815
Age 18	Average annual full coverage premium in KY $8,796	Average minimum coverage premium in KY $2,469
Age 20	Average annual full coverage premium in KY $6,644	Average minimum coverage premium in KY $1,815
Age 25	Average annual full coverage premium in KY $3,793	Average minimum coverage premium in KY $970
Age 30	Average annual full coverage premium in KY $3,113	Average minimum coverage premium in KY $810
Age 40	Average annual full coverage premium in KY $2,879	Average minimum coverage premium in KY $765
Age 50	Average annual full coverage premium in KY $2,608	Average minimum coverage premium in KY $720
Age 60	Average annual full coverage premium in KY $2,522	Average minimum coverage premium in KY $704
Age 70	Average annual full coverage premium in KY $2,696	Average minimum coverage premium in KY $794

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in KY

$2,831

Average minimum coverage premium in KY

$780

Age 50

Average annual full coverage premium in KY

$2,565

Average minimum coverage premium in KY

$728

Age 60

Average annual full coverage premium in KY

$2,476

Average minimum coverage premium in KY

$704

Age 70

Average annual full coverage premium in KY

$2,649

Average minimum coverage premium in KY

$798


Age 16*	Average annual full coverage premium in KY $5,468	Average minimum coverage premium in KY $1,790
Age 18	Average annual full coverage premium in KY $7,821	Average minimum coverage premium in KY $2,338
Age 20	Average annual full coverage premium in KY $5,864	Average minimum coverage premium in KY $1,709
Age 25	Average annual full coverage premium in KY $3,450	Average minimum coverage premium in KY $963
Age 30	Average annual full coverage premium in KY $3,051	Average minimum coverage premium in KY $826
Age 40	Average annual full coverage premium in KY $2,831	Average minimum coverage premium in KY $780
Age 50	Average annual full coverage premium in KY $2,565	Average minimum coverage premium in KY $728
Age 60	Average annual full coverage premium in KY $2,476	Average minimum coverage premium in KY $704
Age 70	Average annual full coverage premium in KY $2,649	Average minimum coverage premium in KY $798

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: If you take a look at the rates listed above, you’ll notice that men almost always pay more for their car insurance compared to women. This is because men are statistically more likely to engage in dangerous driving behavior like driving while intoxicated, speeding and driving without a seatbelt. To compensate for the added risk, insurers tend to charge men higher rates than women.

Cost considerations for young drivers in Kentucky

Younger drivers usually pay cheaper rates when listed on their parents’ policy than when listed on their own. However, it’s important to mention that whether you can list your young adult child on your policy depends on several factors. For example, your insurance company may require that your young adult child still lives at home with you to be eligible. Exploring this option might bring some financial relief if you have fewer years of experience behind the wheel.

The tables below show average premiums for young drivers listed on their parents’ policy:


Age 16*	Avg. annual premium for drivers in KY $5,686
Age 17	Avg. annual premium for drivers in KY $5,389
Age 18	Avg. annual premium for drivers in KY $4,930
Age 19	Avg. annual premium for drivers in KY $4,510
Age 20	Avg. annual premium for drivers in KY $4,269

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in KY $8,309
Age 19	Avg. annual premium for drivers in KY $6,654
Age 20	Avg. annual premium for drivers in KY $6,254

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	69 percent more
Age 19	48 percent more
Age 20	47 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Kentucky?

Having just one speeding ticket, car accident or drunk driving conviction in Kentucky may raise your annual insurance premiums by hundreds of dollars. However, your average car insurance cost in Kentucky depends on the type of violation you received. Every insurance company weighs accidents and convictions differently, so shopping around may be even more important for drivers with imperfect driving records. Keep in mind that some insurance companies won’t cover you if you’ve had a DUI conviction, and you may need to seek out an insurer that specializes in high-risk policies.

Below, you’ll find average full coverage premiums in Kentucky after various types of driving activity:


Clean driving record	Avg. annual premium* in KY $2,855	Percentage increase from KY avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in KY $3,471	Percentage increase from KY avg. annual premium* 22%
At-fault accident	Avg. annual premium* in KY $4,017	Percentage increase from KY avg. annual premium* 41%
DUI conviction	Avg. annual premium* in KY $5,007	Percentage increase from KY avg. annual premium* 75%

*The rates reflected are for full coverage policies.

Car insurance rates in Kentucky by credit score

Almost every state allows car insurance companies to use your credit-based insurance score as a rating factor, Kentucky included. Car insurance rates are based on statistics, and statistically speaking, those with lower credit scores tend to file more claims than those with higher credit scores. To compensate for this additional risk, insurers typically charge higher rates for drivers with bad credit.

Below, we’ve illustrated how your credit score can impact your average full coverage premium in Kentucky. Please note that we use data from drivers with a good credit score to calculate our base average premiums, which is why no difference in average annual premium is shown.


Poor	Avg. annual premium* in KY $5,952	Percentage difference from KY avg. annual premium* 108%
Average	Avg. annual premium* in KY $3,171	Percentage difference from KY avg. annual premium* 11%
Good	Avg. annual premium* in KY $2,855	Percentage difference from KY avg. annual premium* 0%
Excellent	Avg. annual premium* in KY $2,379	Percentage difference from KY avg. annual premium* -17%

*Rates reflect full coverage policies.

Kentucky car insurance rates by vehicle type

Your vehicle’s make and model also have a significant impact on your car insurance rates. Usually, higher-end luxury vehicles and sports cars cost more to insure due to their high replacement value and powerful engines. However, even economy vehicles can be costly to insure if they have poor safety ratings or high theft rates, both of which can increase the likelihood and cost of a claim.

If you’re in the market for a new vehicle and have more than one type in mind, you may want to get quotes for each make and model you’re considering — rates can vary significantly, as shown in the table below.


Toyota Camry	Avg. annual premium* in KY $2,855
Ford F-150	Avg. annual premium* in KY $2,878
Honda Odyssey	Avg. annual premium* in KY $2,632
BMW 330i	Avg. annual premium* in KY $3,684
Toyota Prius	Avg. annual premium* in KY $3,052

*Rates reflect full coverage policies.

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If you're looking for more precise rate estimates, check out our calculator tool below. It’s not an exact quote, but estimating your insurance premium may help you better budget for coverage.

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How to save on car insurance in Kentucky

Although Kentucky car insurance rates might be slightly higher than average, there are several ways you may be able save on your car insurance premium, including:

Looking for discounts: Most car insurance providers offer a wide variety of discounts that can help reduce your overall premium. Bundling your home and auto insurance, paying your premium in full or enrolling in paperless billing are some of the easiest discounts to qualify for.
Shopping for quotes: Every car insurance company has a different way of evaluating risk and calculating premiums. This means you will likely receive a different quote from each insurer for the exact same coverage. As a result, shopping for quotes every policy period can help ensure you are paying a fair price for your specific driving profile.
Being a safe driver: Embracing safe driving habits and avoiding traffic tickets lowers your risk of filing a claim, which in turn is rewarded by providers with more affordable premiums. Some insurers offer accident forgiveness as an endorsement to be purchased or earned, which can serve to protect your safe driver status (and keep your rates low) if you’re involved in an accident. Even if you don’t have a perfect record, many insurance companies offer telematics programs that track your driving and allow you to earn discounts on your premium if you exhibit daily safe driving behaviors.
Updating your policy: Regularly reviewing and updating your policy can help you save money by adjusting your coverage to better match your needs. Dropping optional coverage on an older vehicle, raising your deductibles or reducing your coverage limits can lower your premiums. However, these policy changes can increase your financial responsibility in an accident. A licensed insurance professional can help balance your policy to optimize coverage and cost based on your situation.

Frequently asked questions

The average car insurance cost in Kentucky per month is $238 for full coverage and $64 for minimum coverage. You may see higher or lower rates based on your age, gender, driving history, credit tier, ZIP code and other personal rating factors.
Like almost all states, Kentucky requires drivers to have at least a minimum amount of car insurance to drive on public roads legally. For drivers in the Bluegrass State, those minimums include liability coverage as follows: $25,000 in bodily injury liability per person per accident, $50,000 in bodily injury liability total per accident and $25,000 in property damage liability per accident. Insurance experts recommend that you purchase higher limits if you can afford to in order to avoid out-of-pocket costs if you cause an accident. If you have a car loan or lease, you may also be required by the lender to carry a full coverage policy.
Car insurance companies use more than a dozen factors to determine your rate. In Kentucky, these could include your age, gender, credit tier, claims history, ZIP code, vehicle type and more. As a result, the cheapest insurance company is different for every driver. However, based on our research and average premium data provided by Quadrant Information Services, you may want to request quotes from USAA and Kentucky Farm Bureau if you’re looking for cheap Kentucky car insurance.
Every driver brings their own unique needs and underwriting profile to the table, which means that the best car insurance company is different for everyone. For example, some companies give less weight to credit than others, leading them to offer more favorable rates to those with poor credit. Perhaps you have a newly-licensed teen in the house, making it essential to find a company that offers young driver discounts. When shopping for new insurance, you might find it helpful to consider your priorities and then seek out carriers that can meet them. You may also find it worth your while to speak with a licensed agent for guidance and advice.
Kentucky drivers pay average car insurance premiums close to the national averages of $799 for minimum coverage and $2,678 for full coverage, which includes collision and comprehensive coverage. In Kentucky, the averages are $773 and $2,855. Note, however, that your own rate is based on a handful of characteristics that are unique to you and your situation, including your credit history, driving record and the make and model of your car, so your own rate is likely to differ from state and national averages.

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Premium

Your premium is the amount you agree to pay your insurance provider for your policy. Premiums are paid at regular intervals, either monthly, quarterly, every six months or yearly.

Deductible

Your insurance deductible is the amount you agree to pay out-of-pocket in the event your vehicle needs repairs following a covered claim. Deductibles typically range from $250-$2,000.

Full coverage

The definition of full coverage car insurance may change across providers, but it typically refers to a policy that includes comprehensive and collision coverage in addition to your state’s legally required coverage types.

Minimum coverage

Minimum coverage car insurance is the amount of coverage drivers are legally required to carry. In Kentucky, these include bodily injury and property damage coverage.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Written by

Natalie Todoroff

Writer II, Insurance

Average cost of car insurance in Kentucky in 2025

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Car insurance rates in Kentucky by credit score

Kentucky car insurance rates by vehicle type

Estimate your car insurance cost in Kentucky

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How to save on car insurance in Kentucky

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