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

The Zebra
Oct. 11, 2018

Car insurance policies are expensive in Kentucky. The average auto insurance price in Kentucky is $2,050 per year — 43.7% more than the national average.

Your car insurance prices are dictated by more than just your location. Car insurance rates price based on myriad components, including your age, credit rating, driving history, gender, and marital status.

We reviewed average Kentucky car insurance premiums by all of the major rating qualifications. See below how much auto insurance costs in each state — or enter your zip to view personalized rates from top car insurers.


Average Car Insurance Prices in Kentucky by Age

It's a common phenomenon: as you get older, your car insurance expenditures shift. Generally speaking, car insurance is pricier for young drivers and teens, as car insurance companies see inexperienced drivers as more risky.

In Kentucky, car insurance runs $12,054 per year for a 16-year-old driver, compared to $1,824 yearly for a driver between 50 and 59 years of age.


KENTUCKY AUTO INSURANCE COSTS BY AGE
Age Average 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



Average Car Insurance Expenditures in Kentucky by Gender

While gender doesn’t have as sizable an effect on car insurance rates as location or age, it is used as a pricing factor. Men pay less than do women for car insurance in Kentucky, but the gap is just $42.29 per year.

KENTUCKY AUTO INSURANCE PREMIUMS FOR MEN AND WOMEN
Gender Average Yearly Premium
Male $2,060.48
Female $2,102.78



Average Car Insurance Premiums in Kentucky by Marital Status

One benefit of married life — aside from the wedding gifts — is the lower rates you may receive on your car insurance policy. In Kentucky, wedded drivers save $113 each year on auto insurance policies. This is a better deal than the national average of $76.


KENTUCKY CAR INSURANCE RATES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $2,060.48
Married $1,947.79
Divorced $2,060.48
Widowed $2,048.39



Average Car Insurance Prices in Kentucky by Credit History

Auto insurance companies use credit as a way of determining how reliable a customer will be. Data demonstrate drivers who carry superior credit are more insurable auto insurance clients: they less frequently file claims that insurance companies must repay.

In Kentucky, a car insurance client with exceptional credit saves $2,773.42 each year in insurance payments, contrasted with a driver who has a poor credit score. Read more about how credit can affect car insurance rates:


KENTUCKY AUTO INSURANCE PRICES BY CREDIT QUALITY
Credit Level Average Yearly 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



Average Car Insurance Prices for Bad Drivers in Kentucky

If you've been discovered to be at fault for a crash or convicted of a driving offense, your auto insurance rates are going to rise. The more infractions you accumulate, the more expensive your car insurance policy gets.

In Kentucky, your first minor at-fault accident will lead to an extra $1,113.94 each year in auto insurance premiums. A DUI — thought of as one of the most grievous driving infractions — can raise your annual insurance expenditure in Kentucky by an average of $1,084.15.


KENTUCKY AUTO INSURANCE COSTS AFTER VIOLATIONS
Age Average Yearly Premium
DUI/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 your policy is more costly than the state average, it's worth weighing rates to find affordable insurance coverage that covers your vehicle appropriately.


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