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Average cost of car insurance in Kentucky in 2024

According to our proprietary data, the average annual cost for a full coverage car insurance policy in Kentucky is $2,567, with minimum coverage averaging $773.

Updated Feb 19, 2024
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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 $2,567 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 $214 for full coverage and $64 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. Below, we’ve put together some information to help Kentucky 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 $214 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 $6,696 per year for full coverage.
  • Average rates indicate that Louisville is one of the priciest cities for car insurance, with drivers paying an annual average of $2,650 for full coverage and $902 for minimum.
  • 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. 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
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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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 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 16*
Average annual full coverage premium in KY
$5,731
Average minimum coverage premium in KY
$1,928
Age 18
Average annual full coverage premium in KY
$8,356
Average minimum coverage premium in KY
$2,662
Age 20
Average annual full coverage premium in KY
$6,514
Average minimum coverage premium in KY
$2,019
Age 25
Average annual full coverage premium in KY
$3,394
Average minimum coverage premium in KY
$985
Age 30
Average annual full coverage premium in KY
$2,774
Average minimum coverage premium in KY
$798
Age 40
Average annual full coverage premium in KY
$2,588
Average minimum coverage premium in KY
$761
Age 50
Average annual full coverage premium in KY
$2,372
Average minimum coverage premium in KY
$715
Age 60
Average annual full coverage premium in KY
$2,267
Average minimum coverage premium in KY
$690
Age 70
Average annual full coverage premium in KY
$2,509
Average minimum coverage premium in KY
$812
Age 40
Average annual full coverage premium in KY
$2,588
Average minimum coverage premium in KY
$761
Age 50
Average annual full coverage premium in KY
$2,372
Average minimum coverage premium in KY
$715
Age 60
Average annual full coverage premium in KY
$2,267
Average minimum coverage premium in KY
$690
Age 70
Average annual full coverage premium in KY
$2,509
Average minimum coverage premium in KY
$812
*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 16*
Average annual full coverage premium in KY
$5,059
Average minimum coverage premium in KY
$1,802
Age 18
Average annual full coverage premium in KY
$7,194
Average minimum coverage premium in KY
$2,441
Age 20
Average annual full coverage premium in KY
$5,444
Average minimum coverage premium in KY
$1,789
Age 25
Average annual full coverage premium in KY
$3,067
Average minimum coverage premium in KY
$971
Age 30
Average annual full coverage premium in KY
$2,670
Average minimum coverage premium in KY
$814
Age 40
Average annual full coverage premium in KY
$2,528
Average minimum coverage premium in KY
$782
Age 50
Average annual full coverage premium in KY
$2,324
Average minimum coverage premium in KY
$726
Age 60
Average annual full coverage premium in KY
$2,227
Average minimum coverage premium in KY
$698
Age 70
Average annual full coverage premium in KY
$2,453
Average minimum coverage premium in KY
$805
Age 40
Average annual full coverage premium in KY
$2,528
Average minimum coverage premium in KY
$782
Age 50
Average annual full coverage premium in KY
$2,324
Average minimum coverage premium in KY
$726
Age 60
Average annual full coverage premium in KY
$2,227
Average minimum coverage premium in KY
$698
Age 70
Average annual full coverage premium in KY
$2,453
Average minimum coverage premium in KY
$805
*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
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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 lives with you. Still, 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:

Caret Down
Age 16*
Avg. annual premium for drivers in KY
$5,395
Age 17
Avg. annual premium for drivers in KY
$5,149
Age 18
Avg. annual premium for drivers in KY
$4,745
Age 19
Avg. annual premium for drivers in KY
$4,116
Age 20
Avg. annual premium for drivers in KY
$3,912
*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
$7,775
Age 19
Avg. annual premium for drivers in KY
$6,455
Age 20
Avg. annual premium for drivers in KY
$5,979
*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 64 percent more
Age 19 57 percent more
Age 20 53 percent more

*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

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

Having just one speeding ticket, 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
$2,558
Percentage increase from KY avg. annual premium*
0%
Avg. annual premium* in KY
$3,163
Percentage increase from KY avg. annual premium*
24%
Avg. annual premium* in KY
$3,691
Percentage increase from KY avg. annual premium*
44%
Avg. annual premium* in KY
$4,617
Percentage increase from KY avg. annual premium*
81%
*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.

Avg. annual premium* in KY
$5,124
Percentage difference from KY avg. annual premium*
100%
Average
Avg. annual premium* in KY
$2,851
Percentage difference from KY avg. annual premium*
11%
Avg. annual premium* in KY
$2,558
Percentage difference from KY avg. annual premium*
0%
Excellent
Avg. annual premium* in KY
$2,158
Percentage difference from KY avg. annual premium*
-16%
*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 expensive parts and specialized labor needs. However, like with almost every insurance rating factor, there are exceptions to this rule. For instance, popular, mid-priced sedans may have higher rates because they’re more likely to be stolen (simply because there are more of that make and model on the road). 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.

Avg. annual premium* in KY
$2,558
Avg. annual premium* in KY
$2,407
Avg. annual premium* in KY
$2,307
BMW 330i
Avg. annual premium* in KY
$3,204
Toyota Prius
Avg. annual premium* in KY
$2,595
*Rates reflect full coverage policies.

Estimate your car insurance cost in Kentucky

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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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:

  • Accident forgiveness: Considering that your Kentucky car insurance is likely to cost at least 46 percent more after an accident claim, signing up with a carrier that will not raise your rates after one accident might save you considerable money over several years.
  • Defensive driving course: Investing in an approved safety driving course could lower your premium over three years. Most courses can be completed online in a matter of hours or over a weekend. Do note that some carriers require you to be 50 or over to qualify for this discount, so you may want to contact your agent for more information.
  • Multi-vehicle: Young adults typically face the highest rates and may want to consider insuring their car through a parent’s car insurance, if possible. In doing so, parents might also be able to take advantage of a multi-vehicle discount for having more than one car on their policy.
  • Safe driver: Embracing safe driving habits to avoid accident claims and speeding tickets may qualify you for larger discounts over time. Safe drivers are usually awarded the lowest base rates, too, since their risk of getting into a car accident is lower than that of a risky driver. Most insurance companies offer telematics programs that track your driving and allow you to earn discounts on your premium if you exhibit safe driving behaviors.

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: 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.

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

Model: 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).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (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.

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

Teens: 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 unless otherwise noted.

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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance