Kentucky Car Insurance Cost for 2021

How much does average car insurance cost in Kentucky? We break down rates by segment and and model to find the cheapest car insurance rates.

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How much does car insurance cost in Kentucky?

Average car insurance rates in Kentucky cost $1,716 per year, or about $143 per month, which is 12.7% more than the U.S. national average rate of $1,523.

Some of the cheaper vehicles to insure in Kentucky include the Honda CR-V at $1,292 per year, the Kia Sportage at $1,714 per year, the Ford Edge at $1,362 per year, and the Subaru Forester at $1,274 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 – $1,636 per year ($136 per month)
  2. Toyota RAV4 compact SUV – $1,648 per year ($137 per month)
  3. Chevrolet Equinox compact SUV – $1,550 per year ($129 per month)
  4. Honda Civic compact car – $1,610 per year ($134 per month)
  5. Chevrolet Silverado pickup – $1,788 per year ($149 per month)

Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $1,542 per year, the Toyota Camry at $1,714, the Toyota Corolla at $1,490, and the Ford Explorer with an average cost of $1,698 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 2021 vehicle models.

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Chart Data Details: Chart shows average Kentucky car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Kentucky zip codes.
Average Car Insurance Cost in Kentucky
Average Car Insurance Cost in Kentucky
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,892$241
$500$3,410$284
$250$3,956$330
30$1,000$1,518$127
$500$1,806$151
$250$2,108$176
40$1,000$1,450$121
$500$1,716$143
$250$1,994$166
50$1,000$1,322$110
$500$1,560$130
$250$1,810$151
60$1,000$1,298$108
$500$1,532$128
$250$1,778$148

The average cost of car insurance per month in Kentucky is $143, and ranges from $108 to $330 for the data in the chart above.

Insuring teenagers in Kentucky is not cheap, as average rates range from $4,318 per year for a 19-year-old female driver up to $6,150 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $5,108 to $5,748 per year, and 18-year-old drivers cost $4,656 to $5,368 per year on average.

How does Kentucky car insurance compare?

Since Kentucky ranks 10th out of 12 states in the Southeast region, only Florida and Louisiana have more expensive car insurance rates.

When compared to the states in the same region that share a border, average Kentucky car insurance rates are 27.5% more expensive than West Virginia, 76.2% more expensive than Virginia, and 36.8% more expensive than Tennessee.

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

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Kentucky Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Kentucky Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
Virginia$974-$742
North Carolina$1,032-$684
Tennessee$1,254-$462
Alabama$1,272-$444
West Virginia$1,346-$370
Mississippi$1,352-$364
South Carolina$1,406-$310
Arkansas$1,454-$262
Georgia$1,566-$150
Kentucky$1,716--
Florida$2,046$330
Louisiana$2,244$528

When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 28.8% more than Missouri, 59.2% more than Illinois, 55.7% more than Indiana, and 67.6% 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 4.9% more, Florida costs 16.1% more, Louisiana costs 23.5% more, and Michigan costs 36.9% 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 $1,550 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $1,218. In Virginia the cost would average $882 per year, and in Tennessee the Chevy Equinox would cost an average of $1,134 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 $1,544 for the compact SUV class up to over $3,500 a year for exotic sports cars.

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Chart Data Details: Average Kentucky car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Kentucky Zip Codes.
Kentucky Car Insurance Rates by Vehicle Segment
Kentucky Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,544$129
Midsize Truck$1,558$130
Large Van$1,564$130
Midsize Minivan$1,592$133
Midsize SUV$1,666$139
Midsize Van$1,682$140
Small Car$1,722$144
Large Truck$1,736$145
Midsize Car$1,758$147
Large SUV$1,774$148
Small Luxury SUV$1,800$150
Large Car$1,864$155
Heavy Duty Truck$1,926$161
Midsize Luxury SUV$1,932$161
Small Luxury Car$1,992$166
Midsize Luxury Car$2,266$189
Large Luxury SUV$2,312$193
Sports Car$2,504$209
Large Luxury Car$2,646$221
Exotic Car$3,522$294

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.

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 Forester followed by the Honda CR-V, the Ram Promaster City van, the Mazda CX-3, the Toyota C-HR, and the Kia Sportage.

Other models that rank very well for car insurance cost in Kentucky include the Ford Edge, Mazda CX-5, Subaru CrossTrek and Volkswagen Golf. The cheapest pickup to insure in Kentucky is the Toyota Tacoma costing an average cost of $1,448 per year.

The table below ranks the top 50 cheapest vehicles to insure in Kentucky from the 2021 model year, along with their respective annual and monthly average car insurance cost.

Top 50 Cheapest Car Insurance Rates in Kentucky
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$1,274$106
2Honda CR-V$1,292$108
3Ram Promaster City$1,340$112
4Mazda CX-3$1,348$112
5Toyota C-HR$1,358$113
6Kia Sportage$1,360$113
7Ford Edge$1,362$114
8Volkswagen Golf$1,368$114
9Mazda CX-5$1,382$115
10Subaru Crosstrek$1,398$117
11Chevrolet Spark$1,412$118
12Volvo XC40$1,416$118
13Hyundai Venue$1,424$119
14Volkswagen Atlas$1,438$120
15Hyundai Kona$1,440$120
16Kia Soul$1,442$120
17Subaru Impreza$1,442$120
18Kia Telluride$1,448$121
19Toyota Tacoma$1,448$121
20Chevrolet Blazer$1,450$121
21Kia Sedona$1,454$121
22Subaru Outback$1,454$121
23Jeep Compass$1,456$121
24Chevrolet Colorado$1,458$122
25Kia Rio5$1,458$122
26Mazda CX-30$1,458$122
27Nissan Kicks$1,458$122
28Honda Passport$1,460$122
29Mitsubishi Eclipse Cross$1,462$122
30Subaru Ascent$1,462$122
31Ford Escape$1,464$122
32Hyundai Tucson$1,466$122
33Volkswagen Tiguan$1,478$123
34Acura RDX$1,480$123
35Nissan Frontier$1,480$123
36Honda Pilot$1,482$124
37Ford Ecosport$1,490$124
38Toyota Corolla$1,490$124
39Buick Envision$1,496$125
40Kia Seltos$1,502$125
41Nissan Rogue Sport$1,512$126
42Chevrolet Trax$1,520$127
43Chevrolet Trailblazer$1,522$127
44Cadillac XT4$1,528$127
45Buick Encore$1,534$128
46Chevrolet Express$1,540$128
47Nissan Rogue$1,542$129
48Jeep Renegade$1,544$129
49Chevrolet Equinox$1,550$129
50Nissan Murano$1,550$129

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kentucky.
    Top 50 Cheapest Car Insurance Rates in Kentucky

     

    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. Only the Honda CR-V, Subaru Crosstrek, Toyota Tacoma, Ford Escape, and Nissan Rogue (first five in the chart) made it onto the prior list of the top 50 cheapest vehicles to insure in Kentucky.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Kentucky car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Kentucky Zip Codes.
    Kentucky Car Insurance Rates for Popular Vehicles
    Kentucky Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$1,292$108
    Subaru Crosstrek$1,398$117
    Toyota Tacoma$1,448$121
    Ford Escape$1,464$122
    Nissan Rogue$1,542$129
    Ford F150$1,636$136
    Toyota RAV4$1,648$137
    GMC Sierra$1,674$140
    Kia Forte$1,674$140
    Nissan Sentra$1,696$141
    Toyota Highlander$1,712$143
    Toyota Camry$1,714$143
    Jeep Wrangler$1,770$148
    Ford Bronco$1,778$148
    Chevrolet Silverado$1,788$149
    Ram Truck$1,862$155
    Jeep Grand Cherokee$1,872$156
    Ford Mustang$1,918$160
    Jeep Cherokee$1,930$161
    Hyundai Elantra$1,932$161

    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.

    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 2021 model year vehicle, a 20-year-old man receives an average rate of $3,410 per year, while a 20-year-old female driver pays $2,530, a difference of $880 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $1,560 and the female rate is $1,530, a difference of only $30.
    • 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 $456 per year.
    • Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $794 per year for a 30-year-old driver and even $550 per year for a 50-year-old driver.
    • Good credit can save money. Having a credit score over 800 could save $269 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $312 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 ($1,716 per year) and a 20-year-old driver ($3,410 per year) is $1,694, or a difference of 49.7%.
    • Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $458 per year for a 20-year-old driver.