Candace Baker, Car Insurance Writer
@candacebaker
The city in Kentucky with the least expensive auto insurance premiums is Owensboro, which has an average annual premium of $1,496 per year. By comparison, the overall average cost of car insurance in Kentucky is $1,896 per year.
Cheapest Cities for Car Insurance in Kentucky
- Owensboro: $1,496 per year
- Villa Hills: $1,582 per year
- Madisonville: $1,582 per year
- Erlanger: $1,602 per year
Some cities in Kentucky have cheaper car insurance premiums than others because insurance companies take a driver's ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they're more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
You can reduce the amount that you'll pay for car insurance by getting quotes from at least three different companies and comparing your options on a regular basis. You can start with WalletHub's picks for the cheapest car insurance companies in Kentucky.
Cheapest Car Insurance in Kentucky
To learn more, check out WalletHub's guide to the cheapest car insurance in Kentucky.
People also ask
Does ZIP code affect car insurance?
Yes, ZIP codes affect car insurance premiums. Drivers in the most expensive ZIP codes in New York and California, for example, pay an average of about $3,500 more per year for full-coverage car insurance than drivers in the least expensive areas of those states. And drivers in the most expensive states for car insurance, like New York, can expect to pay at least $700 more per year for minimum coverage than drivers in the least...
read full answer by WalletHub, Financial CompanyHow much is car insurance in Kentucky per month?
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,...
read full answer by Candace Baker, Car Insurance WriterHow much car insurance do I need in Kentucky?
Kentucky law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Kentucky also requires you to carry at least $25,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Kentucky
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
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