What's the Average Cost of Auto Insurance in Kentucky?

The Zebra
Nov. 12, 2018
$2,050 per year — more than the national average by 43.7%.

Your car insurance premiums are affected by factors other than the state in which you live. Car insurance premiums consider a number of details, such as the insured party's driving record, credit history, gender, age, and marital status.

We analyzed average Kentucky auto insurance rates by each of the primary rating factors. See below how much car insurance costs in each state — or enter your zip code to view unique prices from top insurance companies.


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Average Kentucky auto insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Auto Insurance Expenditure in Kentucky by Age

It's a common phenomenon: as you get older, your car insurance rates shift. Typically, auto insurance is more expensive for teenage drivers, as insurers see inexperienced drivers as less responsible.

In Kentucky, car insurance runs $12,054 each year for a 16-year-old driver, but just $1,824 yearly for a client in their 50s.


KENTUCKY CAR INSURANCE COSTS BY AGE
AgeAverage Annual Premium
16$12,054.12
17$9,315.52
18$7,719.77
19$4,877.81
20s$2,774.31
30s$2,043.92
40s$1,939.03
50s$1,824.37
60s$1,859.60
70s$2,271.91

If you're facing the prospect of getting a teen driver insured, it's worth noting Kentucky is the most expensive state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Costs in Kentucky by Gender

While gender doesn’t make as large an effect on car insurance prices as state or age, it is employed as a rating factor by insurance companies.


KENTUCKY AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Annual Premium
Male$2,060.48
Female$2,102.78

If you're concerned you might not be getting the best value with your current car insurance company, the best course of action is to compare rates and shop around.




Mean Car Insurance Premiums in Kentucky by Marriage Status

One benefit of getting married — in addition to the honeymoon — is the lower rates you typically receive on auto insurance. In Kentucky, married drivers save $113 per year on auto insurance policies. This is a better deal than the US average of $76.


KENTUCKY AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$2,060.48
Married$1,947.79
Divorced$2,060.48
Widowed$2,048.39

Auto insurance coverage for divorced drivers in Kentucky is the 3rd most expensive in the US. If you feel like you're being overcharged for your policy, shop around. It never hurts to see what's out there!




Average Auto Insurance Prices in Kentucky by Credit

Insurers rely on credit history as a way of determining how reliable a client will be. Data trends show drivers with solid credit are often more dependable auto insurance clients: they less frequently file claims for which insurance companies pay.

In Kentucky, a driver who holds outstanding credit saves $2,773.42 per year on auto insurance rates, contrasted with a driver who has a less-favorable credit history. Read more about how credit can impact car insurance outlays:


KENTUCKY CAR INSURANCE COSTS BY CREDIT LEVEL
Credit TierAverage Annual Premium
Very Poor (300-579)$4,558.46
Fair (580-669)$3,590.46
Good (670-739)$2,777.47
Very Good (740-799)$2,190.24
Exceptional (800-850)$1,785.04

Finding cheap auto insurance when you have poor credit is sometimes hard. But we're here to help. Check out our guide to finding auto insurance with poor credit and save!




Average Auto Insurance Prices for High-Risk Drivers in Kentucky

If you’re found to be at fault after an accident or convicted of an on-road violation, your auto insurance rates are going to rise. The more offenses you accrue, the more expensive your auto insurance gets.

In Kentucky, your first minor at-fault incident will lead to an extra $1,113.94 per year in car insurance payments. A DUI — considered among the most grave driving infractions — could grow your yearly insurance rates in Kentucky by as much as $1,084.15.


KENTUCKY CAR INSURANCE COSTS AFTER VIOLATIONS
AgeAverage Yearly Rate
DUI or DWI$3,134.46
Reckless Driving$3,126.52
At-Fault Accident (<$1,000)$3,164.24
At-Fault Accident ($1,000-$2,000)$3,149.99
At-Fault Accident (>$2,000)$3,164.24
Open Container$2,438.26
Speeding (21-25 MPH > limit)$2,603.63
Speeding (16-20 MPH > limit)$2,454.50

If you're facing above-average car insurance payments, consider getting quotes to find inexpensive coverage that fits your budget.


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