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 $1,888 per year, or about $157 per month, which is 12% 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.

  1. Ford F-150 pickup – $1,920 per year ($160 per month)
  2. Toyota RAV4 compact SUV – $1,750 per year ($146 per month)
  3. Chevrolet Equinox compact SUV – $1,700 per year ($142 per month)
  4. Honda Civic compact car – $1,850 per year ($154 per month)
  5. 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.

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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 December 30, 2022
Average Car Insurance Cost in Kentucky
Average Car Insurance Cost in Kentucky
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,182$265
$500$3,760$313
$250$4,366$364
30$1,000$1,668$139
$500$1,990$166
$250$2,326$194
40$1,000$1,594$133
$500$1,888$157
$250$2,196$183
50$1,000$1,454$121
$500$1,720$143
$250$1,996$166
60$1,000$1,428$119
$500$1,690$141
$250$1,962$164

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 20.1% more expensive than West Virginia, 60.8% more expensive than Virginia, and 12.5% 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$1,100-$788
Virginia$1,174-$714
South Carolina$1,480-$408
West Virginia$1,572-$316
Alabama$1,586-$302
Tennessee$1,678-$210
Mississippi$1,722-$166
Georgia$1,802-$86
Arkansas$1,846-$42
Kentucky$1,888--
Louisiana$2,100$212
Florida$2,196$308

When compared to Midwest states that share the west and north borders, car insurance in Kentucky costs 5.1% less than Missouri, 22.1% more than Illinois, 43.2% more than Indiana, and 53.5% 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 15.8% more, Florida costs 16.3% more, Louisiana costs 11.2% more, and Michigan costs 27.9% 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 $1,700 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.

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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 December 29, 2022
Kentucky Car Insurance Rates by Vehicle Segment
Kentucky Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,720$143
Midsize Pickup$1,784$149
Midsize SUV$1,844$154
Minivan$1,852$154
Compact Car$1,882$157
Midsize Car$1,926$161
Compact Luxury SUV$2,046$171
Half-ton Pickup$2,052$171
Large SUV$2,068$172
Compact Luxury Car$2,078$173
Heavy Duty Pickup$2,172$181
Midsize Luxury SUV$2,194$183
Large Car$2,196$183
Midsize Luxury Car$2,400$200
Sports Car$2,584$215
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.

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.

Top 50 Cheapest Car Insurance Rates in Kentucky
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,430$119
2Subaru Crosstrek$1,444$120
3Nissan Kicks$1,448$121
4Honda Passport$1,468$122
5Nissan Rogue Sport$1,474$123
6Mazda CX-5$1,484$124
7Buick Encore$1,506$126
8Buick Envision$1,512$126
9Kia Seltos$1,530$128
10Subaru Ascent$1,536$128
11Hyundai Venue$1,542$129
12Subaru Impreza$1,564$130
13Ford Maverick$1,566$131
14Honda HR-V$1,570$131
15Chevrolet Colorado$1,572$131
16Acura RDX$1,578$132
17Hyundai Kona$1,584$132
18Subaru Forester$1,594$133
19Ford Edge$1,602$134
20Honda CR-V$1,602$134
21Mazda CX-30$1,606$134
22Ford Explorer$1,610$134
23Volkswagen Atlas$1,614$135
24Chevrolet Trax$1,620$135
25Nissan Murano$1,622$135
26Subaru Outback$1,626$136
27Nissan Frontier$1,632$136
28Volkswagen Tiguan$1,642$137
29Ford Bronco Sport$1,644$137
30Fiat 500X$1,674$140
31Ford Ranger$1,676$140
32GMC Terrain$1,680$140
33Kia Soul$1,680$140
34Mitsubishi Eclipse Cross$1,684$140
35Volkswagen Atlas Cross Sport$1,688$141
36Lexus RX 350$1,692$141
37Acura Integra$1,696$141
38Chevrolet Equinox$1,700$142
39Cadillac XT4$1,704$142
40Toyota Corolla Cross$1,706$142
41Volkswagen Taos$1,710$143
42GMC Canyon$1,716$143
43Toyota Venza$1,722$144
44Mazda CX-50$1,724$144
45Volkswagen Jetta$1,724$144
46Honda Odyssey$1,726$144
47Toyota Tacoma$1,726$144
48Hyundai Tucson$1,728$144
49Ford Escape$1,732$144
50Kia Sorento$1,734$145

    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 December 30, 2022
    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 December 30, 2022
    Kentucky Car Insurance Rates for Popular Vehicles
    Kentucky Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,444$120
    Honda CR-V$1,602$134
    Toyota Tacoma$1,726$144
    Ford Escape$1,732$144
    Nissan Rogue$1,738$145
    Nissan Sentra$1,750$146
    Toyota RAV4$1,750$146
    Toyota Camry$1,796$150
    Kia Forte$1,852$154
    Toyota Highlander$1,886$157
    Ford F150$1,920$160
    Jeep Grand Cherokee$2,008$167
    Ford Mustang$2,050$171
    Jeep Cherokee$2,054$171
    GMC Sierra$2,062$172
    Hyundai Elantra$2,062$172
    Ram Truck$2,064$172
    Chevrolet Silverado$2,068$172
    Jeep Wrangler$2,094$175
    Ford Bronco$2,100$175

    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 $3,760 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 49.8%.
    • 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.