- Average car insurance cost in Kentucky is $1,888 per year, or around $157 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 $1,700 for compact SUVs to over $2,900 for large luxury cars.
- Vehicles with cheap Kentucky car insurance tend to be from the compact SUV segment, like the Chevrolet Trailblazer, Nissan Rogue Sport, Buick Encore, and Subaru Crosstrek.
How much does car insurance cost in Kentucky?
Average car insurance rates in Kentucky cost $1,888 per year, or about $157 per month, which is 11.4% more than the U.S. national average rate of $1,685.
Some of the cheaper vehicles to insure in Kentucky include the Subaru Crosstrek at $1,444 per year, the Honda Passport at $1,468 per year, the Mazda CX-5 at $1,484 per year, and the Buick Envision at $1,512 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 – $1,920 per year ($160 per month)
- Toyota RAV4 compact SUV – $1,750 per year ($146 per month)
- Chevrolet Equinox compact SUV – $1,700 per year ($142 per month)
- Honda Civic compact car – $1,850 per year ($154 per month)
- Chevrolet Silverado pickup – $2,068 per year ($172 per month)
Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $1,738 per year, the Toyota Camry at $1,796, the Toyota Corolla at $1,772, and the Ford Explorer with an average cost of $1,610 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 2023 vehicle models.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
The average cost of car insurance per month in Kentucky is $157, and ranges from $119 to $364 for the data in the chart above.
Insuring teenagers in Kentucky is not cheap, as average rates range from $4,760 per year for a 19-year-old female driver up to $6,766 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $5,626 to $6,326 per year, and 18-year-old drivers cost $5,130 to $5,910 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 18.3% more expensive than West Virginia, 46.6% more expensive than Virginia, and 11.8% 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.
|Southeast Region States||Average Insurance Cost||Annual Difference|
When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 5.3% less than Missouri, 19.9% more than Illinois, 35.6% more than Indiana, and 42.2% 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 14.6% more, Florida costs 15.1% more, Louisiana costs 10.6% more, and Michigan costs 24.5% 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 $1,700 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $1,416. In Virginia the cost would average $1,056 per year, and in Tennessee the Chevy Equinox would cost an average of $1,510 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 $1,700 for the compact SUV class up to over $2,900 a year for large luxury cars.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$2,046||$171|
|Compact Luxury Car||$2,078||$173|
|Heavy Duty Pickup||$2,172||$181|
|Midsize Luxury SUV||$2,194||$183|
|Midsize Luxury Car||$2,400||$200|
|Large Luxury SUV||$2,776||$231|
|Large Luxury Car||$2,916||$243|
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.
- Subaru Impreza insurance – Cheapest compact car at $1,564 per year or $130 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $1,430 per year or $119 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,740 per year or $145 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,468 per year or $122 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,842 per year or $154 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,770 per year or $148 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,566 per year or $131 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,870 per year or $156 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $1,934 per year or $161 per month
- Honda Odyssey insurance – Cheapest minivan at $1,726 per year or $144 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,746 per year or $146 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,696 per year or $141 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,578 per year or $132 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $2,032 per year or $169 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,692 per year or $141 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,118 per year or $177 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,948 per year or $162 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 Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average insurance cost for those three models is $1,430, $1,444, and $1,448 per year, respectively.
Some other vehicles that are ranked high in our overall cost comparison are the Ford Edge, Hyundai Venue, Chevrolet Colorado, and Ford Maverick. 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 $1,602 or less per year.
The table below ranks the top 50 cheapest vehicles to insure in Kentucky from the 2023 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.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$2,008||$167|
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 - $2,638 per year or $220 per month
- Lexington Car Insurance - $1,818 per year or $152 per month
- Bowling Green Car Insurance - $1,776 per year or $148 per month
- Owensboro Car Insurance - $1,730 per year or $144 per month
- Covington Car Insurance - $1,822 per year or $152 per month
- Hopkinsville Car Insurance - $1,830 per year or $153 per month
- Richmond Car Insurance - $1,810 per year or $151 per month
- Florence Car Insurance - $1,784 per year or $149 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 2023 model year vehicle, a 20-year-old man receives an average rate of $3,760 per year, while a 20-year-old female driver pays $2,788, a difference of $972 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $1,720 and the female rate is $1,686, a difference of only $34.
- 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 $422 per year.
- Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $878 per year for a 30-year-old driver and even $608 per year for a 50-year-old driver.
- Good credit can save money. Having a credit score over 800 could save $296 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $344 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 ($1,888 per year) and a 20-year-old driver ($3,760 per year) is $1,872, or a difference of 66.3%.
- Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver.