Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Kentucky costs $69 per month or $827 per year for minimum coverage, on average. The cheapest car insurance companies in Kentucky are Geico, USAA, and Cincinnati Insurance, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Kentucky is 23% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Kentucky, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Kentucky by Category
- After an at-fault accident: $273 per month
- Driver with poor credit: $131 per month
- Teen driver: $311 per month
- After a DUI: $174 per month
Average Cost of Car Insurance in Kentucky by Company
Company | Minimum Coverage | Full Coverage |
$995 per year | $2,736 per year | |
$533 per year | $1,519 per year | |
$390 per year | $1,354 per year | |
$921 per year | $2,103 per year | |
$695 per year | $1,671 per year | |
$886 per year | $1,491 per year | |
$918 per year | $2,100 per year | |
$531 per year | $1,873 per year | |
$506 per year | $1,532 per year | |
$416 per year | $1,723 per year |
Note: Rates are an approximation based on a 45-year-old man in Kentucky with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Kentucky by Age
Age | Average Premium |
$3,736 per year | |
$3,188 per year | |
$2,782 per year | |
$2,210 per year | |
$2,003 per year | |
$1,558 per year | |
$1,413 per year | |
$1,320 per year | |
$1,228 per year | |
$1,020 per year | |
$848 per year | |
$827 per year | |
$761 per year | |
$796 per year |
Note: Rates are an approximation based on a driver in Kentucky with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Kentucky
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Kentucky as well as our picks for the cheapest car insurance companies in Kentucky.
People also ask
How much car insurance do I need in Kentucky?
Drivers in Kentucky need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Kentucky is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerWhy is Kentucky car insurance so expensive?
Car insurance in Kentucky is expensive because the state has more traffic fatalities than average, with 1.36 deaths per 100 million miles driven (compared to the national average of 1.1). In Kentucky, you can expect to pay around $4,834 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Kentucky is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The...
read full answerWhat is the penalty for driving without insurance in Kentucky?
The penalties for driving without insurance in Kentucky include fines, suspension of license and registration, and imprisonment. You can avoid these consequences by meeting Kentucky’s proof of financial responsibility requirements. Kentucky requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $25,000 in liability coverage for property damage, as well as personal injury protection.
Purchasing Kentucky’s minimum liability car insurance coverage is the easiest...
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