- Average car insurance cost in Kentucky is $2,644 per year, or around $220 per month.
- Kentucky ranks 10th out of 12 Southeast region states for cheapest car insurance rates, and ranks 36th out of all 50 states.
- Rates by automotive segment range from around $2,400 for compact SUVs to over $4,200 for large luxury cars.
- Vehicles with cheap Kentucky car insurance tend to be from the compact SUV segment, like the Subaru Crosstrek, Nissan Kicks, Toyota Corolla Cross, and Chevrolet Trailblazer.
How much does car insurance cost in Kentucky?
Average car insurance rates in Kentucky cost $2,644 per year, or about $220 per month, which is 15% more than the U.S. national average rate of $2,276.
Some of the cheaper vehicles to insure in Kentucky include the Chevrolet Trailblazer at $1,986 per year, the Nissan Kicks at $2,082 per year, the Buick Envision at $2,118 per year, and the Hyundai Venue at $2,148 per year.
The most popular vehicles in Kentucky don’t always rank at the top of the cheapest car insurance charts, so the list below contains the top five selling vehicles in Kentucky and the average insurance cost for each.
- Ford F-150 pickup – $2,958 per year ($247 per month)
- Toyota RAV4 compact SUV – $2,438 per year ($203 per month)
- Chevrolet Equinox compact SUV – $2,432 per year ($203 per month)
- Honda Civic compact car – $2,342 per year ($195 per month)
- Chevrolet Silverado pickup – $2,922 per year ($244 per month)
Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $2,372 per year, the Toyota Camry at $2,838, the Toyota Corolla at $2,574, and the Ford Explorer with an average cost of $2,398 per year.
The chart below shows average auto insurance cost in Kentucky for different driver ages and policy deductible amounts. Rates are averaged for all Kentucky Zip Codes and across all 2024 vehicle models.
The average cost of car insurance per month in Kentucky is $220, and ranges from $155 to $515 for the data in the chart above.
Insuring teenagers in Kentucky is not cheap, as average rates range from $6,294 per year for a 19-year-old female driver up to $9,413 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $8,737 to $9,119 per year, and 18-year-old drivers cost $7,544 to $8,174 per year on average.
How does Kentucky car insurance compare?
Since Kentucky ranks 10th out of 12 states in the Southeast region, there are quite a few states with cheaper rates including North Carolina, Virginia, and Tennesee.
When compared to the states in the same region that share a border, average Kentucky car insurance rates are 12.7% more expensive than West Virginia, 31% more expensive than Virginia, and 8.4% more expensive than Tennessee.
The chart below shows average car insurance cost for all 12 Southeast region states. Kentucky ranks 10th for overall cheapest car insurance rates.
When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 3.6% less than Missouri, 13.7% more than Illinois, 23.9% more than Indiana, and 28.1% more than Ohio.
Even though drivers in Kentucky do pay rather expensive rates for car insurance, there are states where it costs more. Rhode Island costs 10.5% more, Florida costs 5.4% more, Louisiana costs 1.9% more, and Michigan costs 8.8% more.
Here’s a quick example that illustrates the difference in insurance cost on a Chevrolet Equinox between Kentucky and West Virginia, Virginia, and Tennessee.
The average cost to insure a Chevrolet Equinox in Kentucky is $2,432 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $2,146. In Virginia the cost would average $1,782 per year, and in Tennessee the Chevy Equinox would cost an average of $2,242 per year.
Average car insurance rates in Kentucky by segment
The chart below shows average car insurance rates in Kentucky for different vehicle segments like midsize pickups, full-size SUVs, and small luxury cars. Average rates range from just over $2,400 for the compact SUV class up to over $4,200 a year for large luxury cars.
Cheapest car insurance rates in Kentucky by segment
When shopping for a car, truck, or SUV, it’s often handy to know which vehicle has the cheapest car insurance quotes for the type of vehicle you’re shopping for.
The list below breaks out the single cheapest vehicle to insure in each of the vehicle segments and provides the average annual and monthly cost to insure that vehicle in Kentucky. Models are linked to more detailed articles that give average car insurance cost down to the different trim levels for each model.
- Toyota GR Corolla insurance – Cheapest compact car at $2,296 per year or $191 per month
- Subaru Crosstrek insurance – Cheapest compact SUV at $1,952 per year or $163 per month
- Kia K5 insurance – Cheapest midsize car at $2,544 per year or $212 per month
- Honda Passport insurance – Cheapest midsize SUV at $2,106 per year or $176 per month
- Chrysler 300 insurance – Cheapest full-size car at $2,516 per year or $210 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,482 per year or $207 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $2,328 per year or $194 per month
- Nissan Titan insurance – Cheapest full-size pickup at $2,472 per year or $206 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,690 per year or $224 per month
- Honda Odyssey insurance – Cheapest minivan at $2,414 per year or $201 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $2,446 per year or $204 per month
- Acura Integra insurance – Cheapest compact luxury car at $2,350 per year or $196 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $2,210 per year or $184 per month
- Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,720 per year or $227 per month
- Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,470 per year or $206 per month
- Audi A5 insurance – Cheapest full-size luxury car at $3,142 per year or $262 per month
- Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,964 per year or $247 per month
Top 50 cheapest vehicles to insure in Kentucky
The top 50 vehicles with the cheapest car insurance quotes in Kentucky are led by the Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul. Average insurance cost for those three models is $1,952, $1,986, and $2,062 per year, respectively.
Some other vehicles that are ranked high in our overall cost comparison are the Kia Niro, Volkswagen Tiguan, Subaru Outback, and Nissan Murano. Rates are a little bit more for those models than the compact SUVs that rank at the top, but they still have an average insurance cost of $2,296 or less per year.
The table below ranks the top 50 cheapest vehicles to insure in Kentucky from the 2024 model year, along with their respective annual and monthly average car insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,952 | $163 |
| 2 | Chevrolet Trailblazer | $1,986 | $166 |
| 3 | Kia Soul | $2,062 | $172 |
| 4 | Nissan Kicks | $2,082 | $174 |
| 5 | Honda Passport | $2,106 | $176 |
| 6 | Buick Envision | $2,118 | $177 |
| 7 | Toyota Corolla Cross | $2,132 | $178 |
| 8 | Hyundai Venue | $2,148 | $179 |
| 9 | Mazda CX-5 | $2,154 | $180 |
| 10 | Ford Bronco Sport | $2,164 | $180 |
| 11 | Volkswagen Tiguan | $2,188 | $182 |
| 12 | Acura RDX | $2,210 | $184 |
| 13 | Nissan Murano | $2,220 | $185 |
| 14 | Buick Encore | $2,244 | $187 |
| 15 | Honda CR-V | $2,252 | $188 |
| 16 | Subaru Outback | $2,252 | $188 |
| 17 | Buick Envista | $2,258 | $188 |
| 18 | Volkswagen Taos | $2,262 | $189 |
| 19 | Kia Niro | $2,276 | $190 |
| 20 | Toyota GR Corolla | $2,296 | $191 |
| 21 | Honda HR-V | $2,298 | $192 |
| 22 | Subaru Ascent | $2,300 | $192 |
| 23 | Nissan Leaf | $2,312 | $193 |
| 24 | Chevrolet Colorado | $2,328 | $194 |
| 25 | Lexus NX 250 | $2,340 | $195 |
| 26 | Honda Civic | $2,342 | $195 |
| 27 | Volkswagen Atlas | $2,344 | $195 |
| 28 | Acura Integra | $2,350 | $196 |
| 29 | Subaru Forester | $2,350 | $196 |
| 30 | Volkswagen Atlas Cross Sport | $2,354 | $196 |
| 31 | Kia Seltos | $2,360 | $197 |
| 32 | GMC Terrain | $2,366 | $197 |
| 33 | Nissan Rogue | $2,372 | $198 |
| 34 | Hyundai Kona | $2,376 | $198 |
| 35 | Mazda CX-30 | $2,382 | $199 |
| 36 | Cadillac XT4 | $2,386 | $199 |
| 37 | Volkswagen ID4 | $2,396 | $200 |
| 38 | Ford Explorer | $2,398 | $200 |
| 39 | Toyota Highlander | $2,404 | $200 |
| 40 | Ford Escape | $2,410 | $201 |
| 41 | Toyota Venza | $2,410 | $201 |
| 42 | Honda Odyssey | $2,414 | $201 |
| 43 | Nissan Sentra | $2,424 | $202 |
| 44 | Subaru Impreza | $2,428 | $202 |
| 45 | Chevrolet Equinox | $2,432 | $203 |
| 46 | Toyota RAV4 | $2,438 | $203 |
| 47 | Mazda MX-5 Miata | $2,446 | $204 |
| 48 | Mazda MX-30 | $2,452 | $204 |
| 49 | Hyundai Tucson | $2,456 | $205 |
| 50 | Chevrolet Traverse | $2,464 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kentucky Zip Codes. Updated October 24, 2025
Kentucky car insurance rates for popular vehicles
The cheapest cars to insure in Kentucky are not always the models that sell the most. So we put together this next chart to show average rates for 20 of the most popular models. Out of the 50 cheapest models shown in the table above, only a handful are also included in the popular vehicles chart below.
Average rates by city in Kentucky
Average annual and monthly car insurance rates are listed below for some of the larger cities in the state of Kentucky. Click any city to view additional rate information including overall averages, cost comparisons, and the cheapest vehicles to insure in each city.
- Louisville Car Insurance - $3,380 per year or $282 per month
- Lexington Car Insurance - $2,572 per year or $214 per month
- Bowling Green Car Insurance - $2,530 per year or $211 per month
- Owensboro Car Insurance - $2,480 per year or $207 per month
- Covington Car Insurance - $2,576 per year or $215 per month
- Hopkinsville Car Insurance - $2,586 per year or $216 per month
- Richmond Car Insurance - $2,562 per year or $214 per month
- Florence Car Insurance - $2,538 per year or $212 per month
Additional rates and considerations
The list below contains some extra situations where rates can increase or decrease, along with some helpful tips on how to save on your next policy.
- Age and gender affect car insurance rates. For the average 2024 model year vehicle, a 20-year-old man receives an average rate of $5,316 per year, while a 20-year-old female driver pays $3,814, a difference of $1,502 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $2,344 and the female rate is $2,284, a difference of only $60.
- Policy discounts save money. Discounts may be available if the insureds belong to certain professional organizations, insure their home and car with the same company, are loyal customers, are military or federal employees, or many other discounts which could save the average driver as much as $650 per year.
- Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $1,276 per year for a 30-year-old driver and even $796 per year for a 50-year-old driver.
- Good credit can save money. Having a credit score over 800 could save $415 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $481 more per year.
- Older drivers tend to pay less than younger drivers. The difference in insurance cost in Kentucky between a 40-year-old driver ($2,644 per year) and a 20-year-old driver ($5,316 per year) is $2,672, or a difference of 67.1%.
- Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.