Here's what you need to know when driving in Kentucky
The average car insurance rate in Kentucky is $1,879 per year — 23% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Kentucky car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Kentucky based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Kentucky
Erie Insurance scored an 874 on J.D. Power's 2021 auto study for the Southeast region.
Kentucky Farm Bureau rounded out the top three with a score of 866 in J.D. Power's 2021 customer satisfaction survey.
The cheapest car insurance companies in Kentucky
These companies offer the cheapest rates in the following scenarios.
The cheapest rates for full coverage are from Auto-Owners Insurance at $1,518 annually, or $126 per month.
Drivers with poor credit histories should look to USAA or State Farm for the cheapest average rates.
Those with a DUI conviction should look to State Farm for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Kentucky auto insurance laws
Car insurance is mandatory in almost every state, including Kentucky. If you choose the legal minimum coverage level in Kentucky, expect to pay an average of $662 annually. This expenditure is more expensive than the nationwide average by 23%.
For the legal minimum coverage level in Kentucky, expect to pay about $662 per year.
State minimum coverage
In Kentucky, drivers are required to maintain at least the state minimum liability insurance and personal injury protection levels:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $25,000 per accident
Optional coverage in Kentucky (varies by carrier):
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- Additional Personal Injury Protection
- Guest Personal Injury Protection
If you want higher-level car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages incurred by vehicular crashes, theft, or weather conditions. Better car insurance comes with a price: in Kentucky, a comprehensive policy with a $1,000 deductible costs $1,718, 160% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, you can expect to pay around $2,017 annually.
It's worth noting that Kentucky is a no-fault state.
Kentucky's no-fault insurance laws mandate that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own costs. As a bonus, no-fault insurance laws guarantee every driver receives immediate medical treatment in the event of an accident.
In Kentucky, a comprehensive policy with a $1,000 deductible costs $1,718, 160% more than liability-only car insurance.
Compare car insurance rates from the best companies in Kentucky.
Kentucky car insurance premiums by rating factor
Your rates are determined by a number of unique factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Kentucky.
Cheap auto insurance in Kentucky for minimum coverage
Getting the bare minimum coverage is a guaranteed way to save money, but it also leaves you and your vehicle at great risk. It's advisable to increase your coverage beyond your state's minimum requirements to stay fully protected. To get a sense of what companies charge for lower coverage levels, check out the table below.
Cheap auto insurance in Kentucky with bad credit
Your credit history plays a huge part in determining your car insurance rates. Drivers with a poor credit score are seen by most insurance carriers as being high risk, which leads to paying more for your policy. On average, Kentucky drivers with poor credit can expect to pay around $2,797 more per year than those with great credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Kentucky with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,751 per year.
Safe driver discounts
In addition to paying less overall, some insurers offer a safe driving discount. Savings can vary by company, though they can range between 5 and 10%.
Cheap auto insurance for young drivers in Kentucky
Young drivers between the ages of 16 and 25 pay much higher car insurance rates than average. Rates are particularly high for those aged 16 to 19. This is primarily due to the risk presented by their inexperience behind the wheel, meaning that teen drivers pay an average of more than three times the national average for car insurance. In Kentucky, teen drivers pay especially high rates: $6,081 per year — 224% more than the typical Kentucky driver.
Kentucky auto insurance rate by violation
If you receive a ticket or citation, your auto insurance rates will probably go up. How much your rates rise depends on the severity of the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average. In Kentucky, car insurance premiums typically increase by 99% after a DUI and 43% after an at-fault accident.
See below average auto insurance rates in Kentucky after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,590||1%||$23|
|Two Med/PIP claims||$2,700||5%||$133|
|One comp claim||$2,791||9%||$224|
|Failure to wear a seat belt||$2,820||10%||$253|
|Driving without lights||$2,820||10%||$253|
|Child safety restraint||$2,829||10%||$262|
|Failure to show documents||$2,859||11%||$292|
|Two comp claims||$2,912||13%||$345|
|Driving with expired registration||$3,031||18%||$464|
|Cell phone violation||$3,061||19%||$494|
|Texting while driving||$3,072||20%||$505|
|Speeding 6 - 10 MPH over limit||$3,077||20%||$510|
|Speeding in school zone||$3,077||20%||$510|
|Driving too slowly||$3,077||20%||$510|
|Speeding 11 - 15 MPH over limit||$3,084||20%||$516|
|Failure to yield||$3,087||20%||$520|
|Failure to stop at a red light||$3,093||20%||$526|
|Speeding 16 - 20 MPH over limit||$3,093||21%||$526|
|Wrong way/wrong lane||$3,127||22%||$559|
|Following too closely||$3,127||22%||$559|
|Speeding 21 - 25 MPH over limit||$3,141||22%||$574|
|Passing school bus||$3,229||26%||$662|
|At-fault accident - less than $1000||$3,249||27%||$682|
|In 65 MPH zone||$3,468||35%||$900|
|Operating a vehicle without permission||$3,587||40%||$1,019|
|At-fault accident - $1000-$2000||$3,667||43%||$1,100|
|At-fault accident - greater than $2000||$3,667||43%||$1,100|
|Refusal to submit to a chemical test||$5,094||98%||$2,527|
|Driving with a suspended license||$5,159||101%||$2,592|
|Leaving scene of an accident/hit and run||$5,176||102%||$2,609|
Kentucky DUI laws
In Kentucky, a DUI offense can increase your annual car insurance premium to an average of $5,111. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Kentucky
If you're convicted of a DUI or DWI violation in Kentucky, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Kentucky, State Farm has the cheapest average annual rates, a full 51% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Kentucky is USAA, while the priciest firm is Allstate, with prices just above the state average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Kentucky SR-22 insurance
Kentucky is one of the few states that does not require an SR-22 form for drivers convicted of a serious driving offense. In many states, it is required that such drivers file an SR-22 with the state's DMV to ensure that coverage is continued. While this is not required in the state of Kentucky, customers can still expect to see much higher insurance rates after being convicted of a serious driving offense.
Find an affordable policy in Kentucky in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Fort Thomas, Kentucky, and the most expensive in Saul, Kentucky.
Have a look at the table below to see average car insurance costs in some of Kentucky biggest cities.
Car insurance price trends in Kentucky
In Kentucky, average annual auto insurance costs increased by $86 in the past year. A typical Kentucky driver pays an average of $1,584 per year.
The recent pricing trend in Kentucky leans toward slightly cheaper car insurance costs. From 2018 to 2019, average annual rates in Kentucky dropped from $1,780 to $1,419. Since this significant drop, rates have increased moderately. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Kentucky||Yearly Change — Kentucky||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Kentucky car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Kentucky auto insurance.
Who has the cheapest auto insurance in Kentucky?
How much is car insurance per month in Kentucky?
Why is Kentucky car insurance so expensive?
Save money on your next car insurance policy!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.