Are Auto Insurance Rates Going Up or Down in Kentucky?

As many drivers can attest, auto insurance prices tend to rise every year. But there's a lot that goes into setting auto insurance premiums — and not every region experiences the same trends.

Location is one of the rating factors insurance companies use to set rates. The state, city, and ZIP code within which a car is stored and driven contribute to car insurance prices — this comes down to state regulations and the risks associated with insuring cars in varying areas.

Because car insurance pricing is multi-faceted, yearly rate trends vary widely by state. Car insurance rates could be on their way up year-over-year in one state while decreasing one state over.

See below car insurance rate trends in Kentucky. If your policy isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's auto insurance comparison tool furnishes quotes based on your specific profile — enter your ZIP below to get started.

Car insurance pricing trends in Kentucky

In Kentucky, average annual auto insurance costs decreased by $157 from 2017 to 2018. A typical Kentucky driver faces an average rate of $1,898 annually.

The year-over-year trend in Kentucky points to higher car insurance. From 2015 to 2018, rates increased by $49 per year. At the same time, car insurance prices across the United States have increased steadily in recent years, rising from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Kentucky Yearly Change — Kentucky Avg. Annual Premium — USA Yearly Change — USA
2018 $1,898 -$157 $1,470 $32
2017 $2,055 -$18 $1,437 $69
2016 $2,073 $224 $1,368 $88
2015 $1,849 $77 $1,280 $51
2014 $1,772 -$53 $1,229 $34
2013 $1,825 -$264 $1,195 -$80
2012 $2,089 $308 $1,276 $82

If your rates are increasing faster than those in your state, consider shopping around for a better deal.

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How are car insurance rates changing in major cities in Kentucky?

Auto insurance policies are priced at the ZIP code level with myriad variables influencing local rates. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. For example, Henderson drivers experienced a larger premium increase (1.6%) than did drivers in Hopkinsville (1.6%) between 2018 and 2017.

See below annual rate changes in major Kentucky municipalities. If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.

City Avg. Rate Increase — 2018 vs. 2017
Henderson 1.6%
Hopkinsville 1.6%
Georgetown 1.1%
Richmond 0.9%
Covington 0.8%

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.