Kentucky Car Insurance Cost for 2023

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 $1,928 per year, or about $161 per month, which is 10.9% more than the U.S. national average rate of $1,728.

Some of the cheaper vehicles to insure in Kentucky include the Subaru Crosstrek at $1,472 per year, the Honda Passport at $1,498 per year, the Mazda CX-5 at $1,514 per year, and the Buick Envision at $1,542 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 – $1,956 per year ($163 per month)
  2. Toyota RAV4 compact SUV – $1,788 per year ($149 per month)
  3. Chevrolet Equinox compact SUV – $1,734 per year ($145 per month)
  4. Honda Civic compact car – $1,888 per year ($157 per month)
  5. Chevrolet Silverado pickup – $2,110 per year ($176 per month)

Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $1,774 per year, the Toyota Camry at $1,832, the Toyota Corolla at $1,810, and the Ford Explorer with an average cost of $1,642 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.

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Chart Data Details: Chart shows average Kentucky car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Kentucky zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in Kentucky
Average Car Insurance Cost in Kentucky
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,248$271
$500$3,836$320
$250$4,456$371
30$1,000$1,706$142
$500$2,034$170
$250$2,376$198
40$1,000$1,628$136
$500$1,928$161
$250$2,244$187
50$1,000$1,484$124
$500$1,756$146
$250$2,038$170
60$1,000$1,456$121
$500$1,724$144
$250$2,000$167

The average cost of car insurance per month in Kentucky is $161, and ranges from $121 to $371 for the data in the chart above.

Insuring teenagers in Kentucky is not cheap, as average rates range from $4,858 per year for a 19-year-old female driver up to $6,906 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $5,742 to $6,458 per year, and 18-year-old drivers cost $5,236 to $6,032 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 17.9% more expensive than West Virginia, 45.8% more expensive than Virginia, and 11.5% 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.

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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
North Carolina$1,142-$786
Virginia$1,210-$718
South Carolina$1,518-$410
West Virginia$1,612-$316
Alabama$1,628-$300
Tennessee$1,718-$210
Mississippi$1,760-$168
Georgia$1,840-$88
Arkansas$1,886-$42
Kentucky$1,928--
Louisiana$2,134$206
Florida$2,226$298

When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 5.2% less than Missouri, 19.5% more than Illinois, 34.8% more than Indiana, and 41.3% 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 14.3% more, Florida costs 14.3% more, Louisiana costs 10.1% more, and Michigan costs 23.4% 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 $1,734 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $1,448. In Virginia the cost would average $1,090 per year, and in Tennessee the Chevy Equinox would cost an average of $1,546 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.

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Chart Data Details: Average Kentucky car insurance cost by segment is based on 2023 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.Data last updated on August 12, 2023
Kentucky Car Insurance Rates by Vehicle Segment
Kentucky Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,754$146
Midsize Pickup$1,818$152
Midsize SUV$1,880$157
Minivan$1,892$158
Compact Car$1,920$160
Midsize Car$1,966$164
Compact Luxury SUV$2,086$174
Half-ton Pickup$2,092$174
Large SUV$2,110$176
Compact Luxury Car$2,120$177
Heavy Duty Pickup$2,216$185
Midsize Luxury SUV$2,240$187
Large Car$2,242$187
Midsize Luxury Car$2,452$204
Sports Car$2,636$220
Large Luxury SUV$2,834$236
Large Luxury Car$2,978$248

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 Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average insurance cost for those three models is $1,460, $1,472, and $1,480 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 $1,634 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.

Top 50 Cheapest Car Insurance Rates in Kentucky
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,460$122
2Subaru Crosstrek$1,472$123
3Nissan Kicks$1,480$123
4Honda Passport$1,498$125
5Nissan Rogue Sport$1,504$125
6Mazda CX-5$1,514$126
7Buick Encore$1,538$128
8Buick Envision$1,542$129
9Kia Seltos$1,562$130
10Subaru Ascent$1,568$131
11Hyundai Venue$1,574$131
12Subaru Impreza$1,596$133
13Ford Maverick$1,600$133
14Honda HR-V$1,602$134
15Chevrolet Colorado$1,606$134
16Acura RDX$1,608$134
17Hyundai Kona$1,618$135
18Subaru Forester$1,626$136
19Ford Edge$1,634$136
20Honda CR-V$1,634$136
21Mazda CX-30$1,638$137
22Ford Explorer$1,642$137
23Volkswagen Atlas$1,646$137
24Chevrolet Trax$1,656$138
25Nissan Murano$1,656$138
26Subaru Outback$1,660$138
27Nissan Frontier$1,664$139
28Volkswagen Tiguan$1,676$140
29Ford Bronco Sport$1,680$140
30Fiat 500X$1,710$143
31Ford Ranger$1,712$143
32GMC Terrain$1,714$143
33Kia Soul$1,716$143
34Mitsubishi Eclipse Cross$1,720$143
35Volkswagen Atlas Cross Sport$1,724$144
36Lexus RX 350$1,726$144
37Acura Integra$1,732$144
38Chevrolet Equinox$1,734$145
39Toyota Corolla Cross$1,740$145
40Cadillac XT4$1,742$145
41Volkswagen Taos$1,746$146
42GMC Canyon$1,752$146
43Toyota Venza$1,758$147
44Mazda CX-50$1,760$147
45Volkswagen Jetta$1,760$147
46Toyota Tacoma$1,762$147
47Honda Odyssey$1,764$147
48Hyundai Tucson$1,764$147
49Ford Escape$1,768$147
50Kia Sorento$1,770$148

    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.Data last updated on August 12, 2023
    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. Out of the 50 cheapest models shown in the table above, only a handful are also included in the popular vehicles chart below.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Kentucky car insurance cost is based on 2023 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.Data last updated on August 11, 2023
    Kentucky Car Insurance Rates for Popular Vehicles
    Kentucky Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,472$123
    Honda CR-V$1,634$136
    Toyota Tacoma$1,762$147
    Ford Escape$1,768$147
    Nissan Rogue$1,774$148
    Nissan Sentra$1,788$149
    Toyota RAV4$1,788$149
    Toyota Camry$1,832$153
    Kia Forte$1,892$158
    Toyota Highlander$1,924$160
    Ford F150$1,956$163
    Jeep Grand Cherokee$2,050$171
    Ford Mustang$2,092$174
    Jeep Cherokee$2,094$175
    GMC Sierra$2,106$176
    Hyundai Elantra$2,106$176
    Ram Truck$2,108$176
    Chevrolet Silverado$2,110$176
    Jeep Wrangler$2,136$178
    Ford Bronco$2,144$179

    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 2023 model year vehicle, a 20-year-old man receives an average rate of $3,836 per year, while a 20-year-old female driver pays $2,842, a difference of $994 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $1,756 and the female rate is $1,718, a difference of only $38.
    • 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 $424 per year.
    • Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $898 per year for a 30-year-old driver and even $618 per year for a 50-year-old driver.
    • Good credit can save money. Having a credit score over 800 could save $303 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $351 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 ($1,928 per year) and a 20-year-old driver ($3,836 per year) is $1,908, or a difference of 66.2%.
    • Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.