- Average car insurance cost in Kentucky is $1,716 per year, or around $143 per month.
- Kentucky ranks tenth out of 12 Southeast region states for cheapest car insurance rates, and ranks 46th out of all 50 states.
- Rates by vehicle segment ranges from $1,544 for compact SUVs to over $3,500 for exotic cars.
- Vehicles with cheap Kentucky car insurance tend to be from the compact SUV segment, like the Honda CR-V, Mazda CX-3, and Subaru Forester.
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.
- Ford F-150 pickup – $1,636 per year ($136 per month)
- Toyota RAV4 compact SUV – $1,648 per year ($137 per month)
- Chevrolet Equinox compact SUV – $1,550 per year ($129 per month)
- Honda Civic compact car – $1,610 per year ($134 per month)
- 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
|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 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Small Luxury SUV||$1,800||$150|
|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|
|Large Luxury Car||$2,646||$221|
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.
- Compact car – Volkswagen Golf insurance at $1,368 per year or $114 per month
- Compact SUV – Subaru Forester insurance at $1,274 per year or $106 per month
- Midsize car – Mazda 6 insurance at $1,590 per year or $133 per month
- Midsize SUV – Ford Edge insurance at $1,362 per year or $114 per month
- Full-size car – Kia Cadenza insurance at $1,740 per year or $145 per month
- Full-size SUV – Toyota Sequoia insurance at $1,694 per year or $141 per month
- Midsize pickup – Toyota Tacoma insurance at $1,448 per year or $121 per month
- Full-size pickup – Ford F150 insurance at $1,636 per year or $136 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $1,848 per year or $154 per month
- Minivan – Kia Sedona insurance at $1,454 per year or $121 per month
- Sports car – Mazda Miata insurance at $1,572 per year or $131 per month
- Compact luxury car – Mercedes-Benz A220 insurance at $1,680 per year or $140 per month
- Compact luxury SUV – Volvo XC40 insurance at $1,416 per year or $118 per month
- Midsize luxury car – Acura ILX insurance at $1,602 per year or $134 per month
- Midsize luxury SUV – Volvo V60 insurance at $1,618 per year or $135 per month
- Full-size luxury car – Volvo S90 insurance at $1,870 per year or $156 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,646 per year or $137 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 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.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|3||Ram Promaster City||$1,340||$112|
|29||Mitsubishi Eclipse Cross||$1,462||$122|
|41||Nissan Rogue Sport||$1,512||$126|
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. 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.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$1,872||$156|
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 - $2,378 per year or $198 per month
- Lexington Car Insurance - $1,592 per year or $133 per month
- Bowling Green Car Insurance - $1,552 per year or $129 per month
- Owensboro Car Insurance - $1,504 per year or $125 per month
- Covington Car Insurance - $1,596 per year or $133 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 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.