- Average car insurance cost in Kentucky is $1,772 per year, or around $148 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 just over $1,500 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 Mazda CX-5, Subaru Crosstrek, Toyota Corolla Cross, and Hyundai Kona.
How much does car insurance cost in Kentucky?
Average car insurance rates in Kentucky cost $1,772 per year, or about $148 per month, which is 14.2% more than the U.S. national average rate of $1,551.
Some of the cheaper vehicles to insure in Kentucky include the Honda CR-V at $1,552 per year, the Kia Sportage at $1,740 per year, the Ford Edge at $1,594 per year, and the Subaru Forester at $1,534 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 – $1,714 per year ($143 per month)
- Toyota RAV4 compact SUV – $1,674 per year ($140 per month)
- Chevrolet Equinox compact SUV – $1,656 per year ($138 per month)
- Honda Civic compact car – $1,754 per year ($146 per month)
- Chevrolet Silverado pickup – $1,904 per year ($159 per month)
Other top-selling vehicles in Kentucky and their average annual car insurance cost include the Nissan Rogue at $1,736 per year, the Toyota Camry at $1,740, the Toyota Corolla at $1,742, and the Ford Explorer with an average cost of $1,666 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 2022 vehicle models.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
The average cost of car insurance per month in Kentucky is $148, and ranges from $112 to $340 for the data in the chart above.
Insuring teenagers in Kentucky is not cheap, as average rates range from $4,452 per year for a 19-year-old female driver up to $6,344 per year for a 16-year-old male driver. The cost for 17-year-olds ranges from $5,272 to $5,926 per year, and 18-year-old drivers cost $4,800 to $5,536 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 29.3% more expensive than West Virginia, 80.4% more expensive than Virginia, and 46.9% 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 9.8% more than Missouri, 43.8% more than Illinois, 55.7% more than Indiana, and 99.5% 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 1.3% more, Florida costs 20.5% more, Louisiana costs 19.7% more, and Michigan costs 26.9% 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 $1,656 per year for a policy with full coverage. In West Virginia, the same Chevrolet Equinox would cost around $1,282. In Virginia the cost would average $918 per year, and in Tennessee the Chevy Equinox would cost an average of $1,126 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 $1,500 for the compact SUV class up to over $3,400 a year for exotic sports cars.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$1,992||$166|
|Compact Luxury Car||$2,012||$168|
|Heavy Duty Pickup||$2,114||$176|
|Midsize Luxury SUV||$2,140||$178|
|Midsize Luxury Car||$2,346||$196|
|Large Luxury SUV||$2,676||$223|
|Large Luxury Car||$2,800||$233|
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 $1,536 per year or $128 per month
- Mazda CX-5 insurance – Cheapest compact SUV at $1,346 per year or $112 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,716 per year or $143 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,422 per year or $119 per month
- Toyota Avalon insurance – Cheapest full-size car at $1,860 per year or $155 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,778 per year or $148 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $1,458 per year or $122 per month
- Ford F150 insurance – Cheapest full-size pickup at $1,714 per year or $143 per month
- Ford F350 Super Duty insurance – Cheapest heavy duty pickup at $1,926 per year or $161 per month
- Honda Odyssey insurance – Cheapest minivan at $1,654 per year or $138 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,536 per year or $128 per month
- Mercedes-Benz A220 insurance – Cheapest compact luxury car at $1,742 per year or $145 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,518 per year or $127 per month
- Acura ILX insurance – Cheapest midsize luxury car at $1,630 per year or $136 per month
- Cadillac XT5 insurance – Cheapest midsize luxury SUV at $1,744 per year or $145 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,080 per year or $173 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,916 per year or $160 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 Mazda CX-5, Nissan Kicks, and Chevrolet Trailblazer. Average insurance cost for those three models is $1,346, $1,382, and $1,390 per year, respectively.
Some other vehicles that are ranked high in our overall cost comparison are the Subaru Forester, Buick Envision, Toyota Corolla Cross, 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 $1,536 or less per year.
The table below ranks the top 50 cheapest vehicles to insure in Kentucky from the 2022 model year, along with their respective annual and monthly average car insurance cost.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|9||Nissan Rogue Sport||$1,478||$123|
|16||Toyota Corolla Cross||$1,520||$127|
|19||Mazda MX-5 Miata||$1,536||$128|
|34||Mitsubishi Eclipse Cross||$1,636||$136|
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, Toyota Tacoma, Ford Escape, Nissan Rogue, and Subaru Crosstrek (first six 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||$1,954||$163|
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 - $2,422 per year or $202 per month
- Lexington Car Insurance - $1,634 per year or $136 per month
- Bowling Green Car Insurance - $1,592 per year or $133 per month
- Owensboro Car Insurance - $1,550 per year or $129 per month
- Covington Car Insurance - $1,638 per year or $137 per month
- Hopkinsville Car Insurance - $1,648 per year or $137 per month
- Richmond Car Insurance - $1,626 per year or $136 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 2022 model year vehicle, a 20-year-old man receives an average rate of $3,514 per year, while a 20-year-old female driver pays $2,610, a difference of $904 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $1,612 and the female rate is $1,582, 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 $514 per year.
- Careless drivers pay more for auto insurance in Kentucky. Having frequent accidents may increase rates, potentially as much as $820 per year for a 30-year-old driver and even $566 per year for a 50-year-old driver.
- Good credit can save money. Having a credit score over 800 could save $278 per year versus a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $323 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 ($1,772 per year) and a 20-year-old driver ($3,514 per year) is $1,742, or a difference of 49.6%.
- Make your policy cheaper by raising deductibles. Raising physical damage deductibles from $500 to $1,000 could save around $232 per year for a 40-year-old driver and $452 per year for a 20-year-old driver.