The average cost of car insurance in Kentucky is $2,181 per year. That's far more than average and, in fact, it makes Kentucky one of the most expensive states for car insurance in the country.
That’s why it’s all the more important for drivers in Kentucky to shop around and compare rates before buying a car insurance policy. Policygenius makes it easy to see what you’d pay for coverage from top companies, so you can choose the policy that’s right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Kentucky
Car insurance rates are determined based on details like your age, location, driving history, credit score and even the kind of car you drive. Since every insurer has its own formula for calculating your rates, getting multiple quotes is the best way to find the cheapest premiums.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $97/month | 874 |
USAA | $124/month | 890 |
Travelers | $129/month | 854 |
Auto-Owners Insurance | $131/month | 865 |
Progressive | $136/month | 861 |
Cheapest car insurance companies by age in Kentucky
Because of their inexperience behind the wheel, teenage drivers are the most likely to have an accident, which is why they pay more for car insurance than any other age group. But rates generally fall as young drivers age and gain experience.
Age | Cheapest company | Average cost |
|---|---|---|
16 | GEICO | $3,477 |
18 | GEICO | $3,273 |
21 | GEICO | $1,998 |
25 | GEICO | $1,355 |
30 | GEICO | $1,158 |
35 | GEICO | $1,149 |
45 | GEICO | $1,191 |
55 | GEICO | $1,086 |
60 | GEICO | $1,091 |
65 | GEICO | $1,115 |
70 | GEICO | $1,216 |
Choosing the right car insurance company in Kentucky
Full coverage insurance in Kentucky is already expensive, so finding the best policy at an affordable price is important. There’s no one right company for every driver, so the right company for you is the one that offers you the most protection at the lowest rates.
Policygenius can help you see options from top companies, so you can feel confident you’re getting the best deal on car insurance.
Car insurance rates for drivers with driving violations in Kentucky
Any accidents or violations on your driving record will mean higher insurance rates, but some violations raise you rates more than others. If you know you have a spotty driving record, it’s even more important that you shop around and compare quotes before picking a policy.
Violation | GEICO | USAA | Travelers | Auto-Owners Insurance | Progressive |
|---|---|---|---|---|---|
At-fault accident | $2,086 | $2,405 | $2,253 | $2,132 | $2,240 |
Suspended license | $1,243 | $2,477 | $2,484 | $3,491 | $2,173 |
Open container | $1,243 | $2,459 | $2,138 | $1,610 | $2,117 |
Expired registration | $1,181 | $2,029 | $2,138 | $1,589 | $2,051 |
Driving without lights | $1,243 | $2,029 | $2,138 | $1,610 | $2,051 |
Running a red light | $1,243 | $2,029 | $2,138 | $1,610 | $2,051 |
Following too closely | $1,243 | $2,029 | $2,138 | $1,610 | $2,051 |
Hit and run | $2,941 | $2,735 | $2,484 | $3,491 | $2,173 |
Not-at-fault accident | $1,181 | $1,574 | $1,645 | $1,589 | $1,631 |
Passing a school bus | $1,243 | $2,169 | $2,484 | $1,610 | $2,051 |
Reckless driving | $2,312 | $2,169 | $2,484 | $3,491 | $2,173 |
Cheapest car insurance for drivers with a DUI in Kentucky
Kentucky drivers with a DUI or DWI will pay more for car insurance than drivers with a clean driving history. The average annual cost for car insurance in Kentucky is among the highest in the nation at $2,181 per year, but drivers with a DUI can expect to pay even more, with an average of $4,359 per year, which is 99% higher than average.
But each company has its own system for setting your rates, which means some companies will charge less (sometimes much less) for drivers with a DUI. According to our research, the companies with the lowest rates for drivers with a DUI in Kentucky are Progressive, Travelers, and USAA.
Company | Rates for drivers with DUIs |
|---|---|
Progressive | $2,117 |
Travelers | $2,484 |
USAA | $2,626 |
GEICO | $2,941 |
Auto-Owners Insurance | $3,491 |
Cheapest car insurance for drivers with a speeding ticket in Kentucky
Kentucky drivers with a speeding ticket or other moving violation may also see an increase in their rates. The average cost of insurance for a driver with a speeding ticket in Kentucky is $2,941 per year.
But drivers with a blemish or two on their record can still find lower car insurance rates by comparing quotes from multiple insurance companies. Our research shows the companies offering the lowest rates for drivers in Kentucky with a speeding ticket are Progressive, USAA, and Auto-Owners Insurance.
Company | Rates for drivers with speeding tickets |
|---|---|
Progressive | $2,004 |
USAA | $2,029 |
Auto-Owners Insurance | $2,096 |
GEICO | $2,312 |
Travelers | $2,484 |
Cheapest car insurance for drivers with bad credit in Kentucky
Your credit score is another factor insurance companies can use to determine your rates. Generally, a low credit score means you’ll pay more for car insurance, so if you have bad credit, it may take a little more effort to find a company that will offer you affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $2,072 |
Progressive | $2,699 |
Cincinnati Insurance | $2,977 |
Grange Insurance | $3,072 |
Travelers | $3,210 |
Car insurance costs in Kentucky cities
Drivers in areas with high crime rates or more accidents and claims will pay more for car insurance, while drivers in areas with low rates of car theft and vandalism will see better rates. Here’s what drivers pay for coverage in the 10 biggest cities in Kentucky:
Louisville: $2,451
Lexington: $1,691
Bowling Green: $1,600
Owensboro: $1,515
Covington: $1,672
Richmond: $1,595
Georgetown: $1,632
Florence: $1,564
Hopkinsville: $1,794
Nicholasville: $1,645
Buying car insurance in Kentucky
All drivers in Kentucky are required to have at least a minimum amount of car insurance, although there are some types of coverage that Kentucky drivers can decline if they refuse in writing.
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Personal injury protection: $10,000 per accident, however PIP coverage can be rejected in writing
Uninsured/underinsured motorist coverage: Optional, but Kentucky specifies the insurer include UM/UMI at $25,000 per person and $50,000 per accident unless you expressly reject it in writing
However most drivers need more than the minimum amounts of coverage required by law in order to be fully protected. Too little coverage and you could be on the hook for thousands of dollars in repair costs and medical bills after an accident.
How to get cheap car insurance in Kentucky
Looking for car insurance can feel overwhelming, but there some simple tips for finding your most affordable coverage:
Ask about discounts. Most companies offer discounts for things like safe driving, paying your policy in full, going paperless, or earning good grades in school
Bundle policies. Get multiple policies from the same company and save on both
Shop around. Get quotes from multiple companies before you pick a policy to make sure you’re not missing out on cheaper coverage
Reshop yearly. Shop around for new coverage every time your policy is up for renewal in case options have changed
Find car insurance in your city:
Frequently asked questions
Is car insurance required in Kentucky?
Yes, Kentucky requires all drivers to have bodily injury and property damage liability coverage levels of at least 25/50/10, as well as personal injury protection and uninsured/underinsured motorist coverage.
Is Kentucky a no-fault state?
Kentucky is a no-fault state, which means drivers in a car accident are all responsible for their own medical costs. Drivers in Kentucky have the choice to reject no-fault coverage, but drivers who make that choice would have to cover those bills on their own or rely on their health insurance coverage.
Is car insurance high in Kentucky?
Yes, car insurance is expensive in Kentucky. In fact, we found that Kentucky is one of the five most expensive states in the country for car insurance.
How much does car insurance cost per month in Kentucky?
The average cost of car insurance in Kentucky is $182 per month, or $2,181 per year.
