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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

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 890 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Kentucky.

2nd place medal
Erie Insurance

Erie Insurance scored an 874 on J.D. Power's 2021 auto study for the Southeast region.

3rd place medal
Kentucky Farm Bureau

Kentucky Farm Bureau rounded out the top three with a score of 866 in J.D. Power's 2021 customer satisfaction survey.

Key takeaways
  • Kentucky drivers pay about 23% more for car insurance on average
  • The cheapest major car insurance company in Kentucky is Auto-Owners Insurance

The cheapest car insurance companies in Kentucky

These companies offer the cheapest rates in the following scenarios.

Esurance logo
Cheapest full coverage: Auto-Owners Insurance

The cheapest rates for full coverage are from Auto-Owners Insurance at $1,518 annually, or $126 per month.

USAA logo
Cheapest with bad credit: USAA

Drivers with poor credit histories should look to USAA or State Farm for the cheapest average rates.

State Farm logo
Cheapest after a DUI: State Farm

Those with a DUI conviction should look to State Farm for the cheapest average rates.

Company Avg. Annual Premium
USAA $1,590
State Farm $1,799
Kentucky Farm Bureau $1,908
Progressive $2,513
GEICO $3,130
Allstate $4,413
Updated: 09/29/22.

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:

Liability

  • 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):

  • Comprehensive
  • Collision
  • 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
car with blue windshield

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.

The Zebra's guide to Kentucky car insurance laws


Learn more about car insurance requirements in the state of Kentucky with our helpful guide.


Compare car insurance rates from the best companies in Kentucky.

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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.

Company Avg. Annual Premium
Kentucky Farm Bureau $454
USAA $491
State Farm $584
GEICO $893
Progressive $922
Allstate $1,518
Updated: 09/29/22.

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.

Company Avg. Annual Premium
USAA $3,559
State Farm $3,682
Progressive $4,006
GEICO $4,767
Kentucky Farm Bureau $5,846
Allstate $6,162
Updated: 09/29/22.

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%.

Company Avg. Annual Premium
State Farm $2,167
USAA $2,428
Kentucky Farm Bureau $2,576
Progressive $3,824
GEICO $4,112
Allstate $5,417
Updated: 09/29/22.

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.

Company Avg. Annual Premium
USAA $4,177
Kentucky Farm Bureau $5,829
State Farm $6,046
GEICO $7,155
Progressive $10,951
Allstate $11,390
Updated: 09/29/22.

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
None $2,567 0% $0
One Med/PIP claim $2,590 1% $23
Two Med/PIP claims $2,700 5% $133
Not-at-fault accident $2,746 7% $179
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
Illegal turn $3,127 22% $560
Improper passing $3,133 22% $566
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
Open container $3,495 36% $928
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
Reckless driving $4,982 94% $2,415
Refusal to submit to a chemical test $5,094 98% $2,527
DUI $5,111 99% $2,543
Racing $5,136 100% $2,569
Driving with a suspended license $5,159 101% $2,592
Leaving scene of an accident/hit and run $5,176 102% $2,609
Updated: 09/29/22.

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.

Company Avg. Annual Premium
State Farm $2,507
USAA $2,652
Progressive $2,955
Kentucky Farm Bureau $4,549
GEICO $4,627
Allstate $5,154
Updated: 09/29/22.

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.

Learn more about car insurance and DUI infractions.

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!

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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.

City Avg. Annual Premium
Owensboro $1,911
Covington $1,980
Bowling Green $1,997
Lexington $2,031
Louisville $2,775
Updated: 09/29/22.

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.

KENTUCKY CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Kentucky Yearly Change — Kentucky Avg. Annual Premium — US Yearly Change — US
2021 $1,879 $86 $1,529 $46
2020 $1,849 $79 $1,483 $61
2019 $2,206 -$361 $1,544 $23
2018 $1,898 -$16 $1,521 $84
2017 $2,055 $234 $1,437 $69
2016 $2,073 -$323 $1,368 $88
2015 $1,849 $216 $1,280 $51
2014 $1,772 $155 $1,229 $34
2013 $1,825 -$63 $1,195 -$81
2012 $2,089 $323 $1,276 -

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? Chevron down icon
Kentucky car insurance can be quite expensive. Our data shows Auto-Owners ($759) and USAA ($795) are the cheapest auto insurance companies in Kentucky.
How much is car insurance per month in Kentucky? Chevron down icon
Per month, car insurance in Kentucky costs $152. This is 20% more than what the average driver in the U.S. pays for auto insurance per month.
Why is Kentucky car insurance so expensive? Chevron down icon
Car insurance is expensive in Kentucky due to the high levels of insurance required (it's a no-fault state) and the number of uninsured drivers. You can find the cheapest possible option for you by comparing quotes with The Zebra.

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RECENT QUESTIONS

How do I get my ex-husband's accidents dropped from my policy?

Sorry to hear that this is following you. Unfortunately, some companies won't work around it if these claims show on your prior plans.
Nov 14, 2019 Edmonton, KY

How soon after Florence will I be able to add my car to my insurance

There is no exact answer. Once the insurance companies no longer see an imminent threat, they will lift the binding restrictions and you will be able to get insurance.
Sep 16, 2018 Eden, NC

What happens if I stop paying for my SR22?

If you stop paying for the SR-22, the insurance is required to notify the state that the policy is canceled. Typically, the state will suspend your license and you may have additional fines as well.
Jan 31, 2019 Miami, FL

How much will my insurance cover if I have an accident while towing my friends trailer?

Each policy is going to have different guidelines as to what they will and will not cover. You will definitely want to check with your specific company to find out if your policy will cover the damages.
Jun 20, 2018 Milwaukee, WI

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.