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Average cost of car insurance in Kentucky in 2024

Updated Jun 01, 2024
According to our proprietary data, the average annual cost for a full coverage car insurance policy in Kentucky is $2,696, with minimum coverage averaging $777.
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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 $2,696 per year for a full coverage policy and $777 for minimum coverage. Car insurance in the Bluegrass State is slightly more expensive than the national average, which currently sits at $2,311 for full coverage and $640 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 $225 per month for full coverage and $65 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 $6,230 per year for full coverage.
  • Average rates indicate that Salyersville is one of the priciest cities for car insurance.
  • In Kentucky, 40-year-old men pay an average of 3 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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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.

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
$5,550
Average minimum coverage premium in KY
$1,734
Age 18
Average annual full coverage premium in KY
$7,721
Average minimum coverage premium in KY
$2,381
Age 20
Average annual full coverage premium in KY
$5,896
Average minimum coverage premium in KY
$1,697
Age 25
Average annual full coverage premium in KY
$3,561
Average minimum coverage premium in KY
$990
Age 30
Average annual full coverage premium in KY
$2,931
Average minimum coverage premium in KY
$816
Age 40
Average annual full coverage premium in KY
$2,734
Average minimum coverage premium in KY
$772
Age 50
Average annual full coverage premium in KY
$2,522
Average minimum coverage premium in KY
$732
Age 60
Average annual full coverage premium in KY
$2,406
Average minimum coverage premium in KY
$707
Age 70
Average annual full coverage premium in KY
$2,651
Average minimum coverage premium in KY
$819
Age 40
Average annual full coverage premium in KY
$2,734
Average minimum coverage premium in KY
$772
Age 50
Average annual full coverage premium in KY
$2,522
Average minimum coverage premium in KY
$732
Age 60
Average annual full coverage premium in KY
$2,406
Average minimum coverage premium in KY
$707
Age 70
Average annual full coverage premium in KY
$2,651
Average minimum coverage premium in KY
$819
*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
$5,073
Average minimum coverage premium in KY
$1,678
Age 18
Average annual full coverage premium in KY
$6,906
Average minimum coverage premium in KY
$2,125
Age 20
Average annual full coverage premium in KY
$5,214
Average minimum coverage premium in KY
$1,601
Age 25
Average annual full coverage premium in KY
$3,195
Average minimum coverage premium in KY
$975
Age 30
Average annual full coverage premium in KY
$2,843
Average minimum coverage premium in KY
$826
Age 40
Average annual full coverage premium in KY
$2,658
Average minimum coverage premium in KY
$782
Age 50
Average annual full coverage premium in KY
$2,388
Average minimum coverage premium in KY
$747
Age 60
Average annual full coverage premium in KY
$2,378
Average minimum coverage premium in KY
$714
Age 70
Average annual full coverage premium in KY
$2,580
Average minimum coverage premium in KY
$819
Age 40
Average annual full coverage premium in KY
$2,658
Average minimum coverage premium in KY
$782
Age 50
Average annual full coverage premium in KY
$2,388
Average minimum coverage premium in KY
$747
Age 60
Average annual full coverage premium in KY
$2,378
Average minimum coverage premium in KY
$714
Age 70
Average annual full coverage premium in KY
$2,580
Average minimum coverage premium in KY
$819
*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
$5,312
Age 17
Avg. annual premium for drivers in KY
$4,957
Age 18
Avg. annual premium for drivers in KY
$4,548
Age 19
Avg. annual premium for drivers in KY
$4,195
Age 20
Avg. annual premium for drivers in KY
$3,966
*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
$7,314
Age 19
Avg. annual premium for drivers in KY
$6,043
Age 20
Avg. annual premium for drivers in KY
$5,555
*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 61 percent more
Age 19 44 percent more
Age 20 40 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, 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
$2,696
Percentage increase from KY avg. annual premium*
0%
Avg. annual premium* in KY
$3,295
Percentage increase from KY avg. annual premium*
22%
Avg. annual premium* in KY
$3,878
Percentage increase from KY avg. annual premium*
44%
Avg. annual premium* in KY
$4,135
Percentage increase from KY avg. annual premium*
53%
*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
$5,577
Percentage difference from KY avg. annual premium*
107%
Average
Avg. annual premium* in KY
$3,015
Percentage difference from KY avg. annual premium*
12%
Avg. annual premium* in KY
$2,696
Percentage difference from KY avg. annual premium*
0%
Excellent
Avg. annual premium* in KY
$2,246
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 expensive parts and specialized labor needs. However, as is true 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
$2,696
Avg. annual premium* in KY
$2,627
Avg. annual premium* in KY
$2,351
BMW 330i
Avg. annual premium* in KY
$3,268
Toyota Prius
Avg. annual premium* in KY
$2,759
*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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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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. Some insurers offer accident forgiveness as an endorsement, while others require you to earn by going accident-free for a set number of 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.

Frequently asked questions