Kentucky Car Insurance Cost for 2025

• Average car insurance cost in Kentucky is $2,600 per year, or around $217 per month.
• Kentucky ranks 10^th out of 12 Southeast region states for cheapest car insurance rates, and ranks 36^th out of all 50 states.
• Rates by automotive segment range from around $2,300 for compact SUVs to over $4,100 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 $2,600 per year, or about $217 per month, which is 15.7% more than the U.S. national average rate of $2,221.

Some of the cheaper vehicles to insure in Kentucky include the Chevrolet Trailblazer at $1,952 per year, the Nissan Kicks at $2,046 per year, the Buick Envision at $2,084 per year, and the Hyundai Venue at $2,112 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.

1. Ford F-150 pickup – $2,908 per year ($242 per month)
2. Toyota RAV4 compact SUV – $2,398 per year ($200 per month)
3. Chevrolet Equinox compact SUV – $2,394 per year ($200 per month)
4. Honda Civic compact car – $2,302 per year ($192 per month)
5. Chevrolet Silverado pickup – $2,874 per year ($240 per month)

Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $2,336 per year, the Toyota Camry at $2,794, the Toyota Corolla at $2,534, and the Ford Explorer with an average cost of $2,358 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 $217, and ranges from $152 to $507 for the data in the chart above.

Insuring teenagers in Kentucky is not cheap, as average rates range from $6,189 per year for a 19-year-old female driver up to $9,258 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $8,592 to $8,967 per year, and 18-year-old drivers cost $7,417 to $8,036 per year on average.

How does Kentucky car insurance compare?

Since Kentucky ranks 10^th 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 12.8% more expensive than West Virginia, 31.6% more expensive than Virginia, and 8.3% more expensive than Tennessee.

The chart below shows average car insurance cost for all 12 Southeast region states. Kentucky ranks 10^th for overall cheapest car insurance rates.

When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 3.7% less than Missouri, 13.9% more than Illinois, 24.4% more than Indiana, and 28.7% 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 10.6% more, Florida costs 5.8% more, Louisiana costs 2.3% more, and Michigan costs 9.5% 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 $2,394 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $2,106. In Virginia the cost would average $1,742 per year, and in Tennessee the Chevy Equinox would cost an average of $2,202 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 $2,300 for the compact SUV class up to over $4,100 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 $2,260 per year or $188 per month
• Subaru Crosstrek insurance – Cheapest compact SUV at $1,920 per year or $160 per month
• Kia K5 insurance – Cheapest midsize car at $2,506 per year or $209 per month
• Honda Passport insurance – Cheapest midsize SUV at $2,070 per year or $173 per month
• Chrysler 300 insurance – Cheapest full-size car at $2,476 per year or $206 per month
• Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,440 per year or $203 per month
• Chevrolet Colorado insurance – Cheapest midsize pickup at $2,290 per year or $191 per month
• Nissan Titan insurance – Cheapest full-size pickup at $2,430 per year or $203 per month
• GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,644 per year or $220 per month
• Honda Odyssey insurance – Cheapest minivan at $2,374 per year or $198 per month
• Mazda MX-5 Miata insurance – Cheapest sports car at $2,404 per year or $200 per month
• Acura Integra insurance – Cheapest compact luxury car at $2,310 per year or $193 per month
• Acura RDX insurance – Cheapest compact luxury SUV at $2,174 per year or $181 per month
• Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,672 per year or $223 per month
• Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,432 per year or $203 per month
• Audi A5 insurance – Cheapest full-size luxury car at $3,090 per year or $258 per month
• Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,912 per year or $243 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 $1,920, $1,952, and $2,028 per year, respectively.

Some other vehicles that are ranked high in our overall cost comparison are the Kia Niro, Volkswagen Tiguan, Honda CR-V, 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 $2,264 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.

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 - $3,334 per year or $278 per month
• Lexington Car Insurance - $2,530 per year or $211 per month
• Bowling Green Car Insurance - $2,486 per year or $207 per month
• Owensboro Car Insurance - $2,438 per year or $203 per month
• Covington Car Insurance - $2,532 per year or $211 per month
• Hopkinsville Car Insurance - $2,544 per year or $212 per month
• Richmond Car Insurance - $2,518 per year or $210 per month
• Florence Car Insurance - $2,498 per year or $208 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 $5,230 per year, while a 20-year-old female driver pays $3,752, a difference of $1,478 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $2,304 and the female rate is $2,246, a difference of only $58.
• 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 $652 per year.
• Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $1,254 per year for a 30-year-old driver and even $786 per year for a 50-year-old driver.
• Good credit can save money. Having a credit score over 800 could save $408 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $473 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 ($2,600 per year) and a 20-year-old driver ($5,230 per year) is $2,630, or a difference of 67.2%.
• Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.