Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The average cost of car insurance in Kentucky ranges from $761 per year for 55-year-olds to $3,736 per year for 16-year-olds. Kentucky residents with a good driving record generally see their car insurance premiums drop around age 25, and average rates continue to fall as policyholders age. However, around age 65, you will likely start to see your rates increase again.
Average Cost of Car Insurance in Kentucky by Age
| Age | Average Premium |
| 16 | $3,736 per year |
| 25 | $1,020 per year |
| 35 | $848 per year |
| 45 | $827 per year |
| 55 | $761 per year |
| 65 | $796 per year |
Note: Premiums are representative of a male driver with a minimum coverage policy and a clean driving record; individual premiums will vary.
Your car insurance premiums will generally decrease as you get older if you maintain a good driving record. However, there are other ways to lower your car insurance premiums before then, such as looking for discounts, increasing your deductible or comparing quotes from multiple companies.
To learn more, check out WalletHub’s guide to average car insurance rates by age and state.
People also ask
At what age is car insurance cheapest?
Car insurance is cheapest around age 55, on average, according to WalletHub data. Middle-aged drivers with experience on the road are the least expensive to insure because they have the lowest accident and claims rates, especially compared to senior and teenage drivers, who are the most likely to be involved in car crashes. Overall, car insurance is cheapest for drivers aged 35-65.
Cheapest Ages for Car Insurance
| Age | Average Annual Premium |
How much is full coverage insurance in Kentucky?
Full coverage insurance in Kentucky costs an average of $403 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Kentucky law. In Kentucky, liability insurance is mandatory for all drivers.
Average Cost of Full Coverage Insurance in Kentucky
Company | Full Coverage | Minimum Coverage |
$206 per month | $64 per month | |
$243 per month | $93 per month | |
$252 per month | $123 per month | |
$256 per month | $77 per month | |
$282 per month | $92 per month |
Note: Premiums are average rates for a good driver in Kentucky; individual premiums will vary.
How to Get Cheaper Full Coverage Insurance in Kentucky
- Compare quotes from several companies to make sure you're getting the best deal.
- Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
- Don't forget to make sure you're getting all the discounts you can.
To learn more, check out WalletHub's guide to full coverage car insurance.
read full answerWhat car insurance discounts are available in Kentucky?
You can get car insurance discounts in Kentucky based on how you drive, the car you own, and your relationship with your insurance company. In Kentucky, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
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