- How much is car insurance in Kentucky?
- Kentucky car insurance rates by company
- Kentucky car insurance costs by coverage level
- Kentucky car insurance by driver profile
- Kentucky car insurance rates by age group
- How much does car insurance cost in Kentucky per month?
- Kentucky car insurance discounts
- Car insurance requirements in Kentucky
- Car insurance rates in Kentucky by model year
- Compare auto insurance rates by city in Kentucky
- Car insurance premium trends in Kentucky
- Methodology
- Compare Kentucky car insurance rates with other states
How much is car insurance in Kentucky?
The average cost of full coverage car insurance in Kentucky is $2,228 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Kentucky drivers who choose to carry only the minimum car insurance will pay $606 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $2,228 |
| Average monthly premium | $186 |
Kentucky car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Kentucky can differ greatly from one company to another.
On average, Kentucky Farm Bureau has the lowest car insurance rates in Kentucky. The table below shows average car insurance rates in Kentucky from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Kentucky Farm Bureau | $326 | $522 | $2,113 |
| GEICO | $508 | $798 | $2,106 |
| Auto-Owners | $588 | $713 | $1,911 |
| Travelers | $609 | $732 | $1,804 |
| Shelter Insurance | $633 | $802 | $1,917 |
| State Farm | $715 | $953 | $2,753 |
| Progressive | $758 | $1,043 | $2,714 |
| Allstate | $890 | $1,161 | $3,127 |
| Farmers | $1,039 | $1,355 | $3,548 |
| USAA | $533 | $668 | $1,820 |
Kentucky car insurance costs by coverage level
The cheapest option in Kentucky is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out Kentucky car insurance costs by coverage level below.
| State minimum car insurance | $606 |
| Liability-only car insurance | $810 |
| Full coverage car insurance | $2,228 |
Kentucky car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.
In Kentucky, drivers with Bad Credit pay the highest rates. This table shows average car insurance rates in Kentucky for other driver profiles.;
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $2,228 | $3,598 | $1,370 | 61% |
| Bad credit | $2,228 | $5,233 | $3,005 | 135% |
| Careless driving | $2,228 | $3,507 | $1,279 | 57% |
| Claims | $2,228 | $2,484 | $256 | 12% |
| DUI | $2,228 | $4,197 | $1,969 | 88% |
| Reckless driving | $2,228 | $4,097 | $1,869 | 84% |
| Speeding | $2,228 | $3,189 | $961 | 43% |
| Texting ticket | $2,228 | $2,691 | $463 | 21% |
Kentucky car insurance rates by age group
Age has a big effect on car insurance rates. In Kentucky, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Kentucky based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $6,573 |
| Young Adults (20-24) | $3,592 |
| Adults (25-60) | $2,239 |
| Seniors (65-75) | $2,220 |
How much does car insurance cost in Kentucky per month?
The average monthly cost of Kentucky car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $51 |
| Liability Only - 50/100/50 BI/PD | $67 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $186 |
Kentucky car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Kentucky.
Check out the available car insurance discounts in Kentucky below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,833 | $62 |
| Anti-Theft Device | $1,895 | $1,853 | $42 |
| Daily Commute | $1,895 | $1,791 | $104 |
| Days Advanced Purchase | $1,895 | $1,772 | $123 |
| Days Per Week Driven | $1,895 | $1,818 | $77 |
| Education | $1,895 | $1,767 | $128 |
| Electronic Funds Transfer | $1,895 | $1,781 | $114 |
| Homeowner | $1,895 | $1,762 | $133 |
| Lower Annual Mileage | $1,895 | $1,802 | $93 |
| Loyalty - Years Renewal With Company | $1,895 | $1,794 | $101 |
| Marital Status | $1,895 | $1,754 | $141 |
| Multi Policy | $1,895 | $1,725 | $170 |
| Paperless/Electornic Documents | $1,895 | $1,857 | $38 |
| Payment Type | $1,895 | $1,724 | $171 |
| Primary Use | $1,895 | $1,734 | $161 |
| Profession | $1,895 | $1,658 | $237 |
| Safety Devices | $1,895 | $1,848 | $47 |
| Telematics | $1,895 | $1,695 | $200 |
| Years Insured | $1,895 | $1,556 | $339 |
| Years Licensed | $1,895 | $1,453 | $442 |
Car insurance requirements in Kentucky
Kentucky requires a minimum amount of car insurance, including:
- 25/50/25 in liability coverage to pay for bodily injuries and property damages you cause in an accident.
Remember, the minimum coverage required by Kentucky law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.
| State minimum requirements | 25/50/25 |
| State minimum car insurance | $606 |
| Liability-only car insurance | $810 |
| Full coverage car insurance | $2,228 |
Car insurance rates in Kentucky by model year
The car you drive also impacts car insurance rates in Kentucky. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.
Take a look below to see how the car's model and age can change car insurance rates in Kentucky.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,418 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,927 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $2,014 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $2,254 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,628 |
| Farmers | 2WD 4 Door Sedan Automatic Turbo | $4,026 |
Compare auto insurance rates by city in Kentucky
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Kentucky will impact what you pay. Below, we've gathered Kentucky car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Ashland | $1,905 |
Bowling Green | $1,987 |
Louisville | $2,359 |
Car insurance premium trends in Kentucky
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Kentucky to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
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