Kentucky Car Insurance Cost for 2022

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 $1,772 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.

  1. Ford F-150 pickup – $1,714 per year ($143 per month)
  2. Toyota RAV4 compact SUV – $1,674 per year ($140 per month)
  3. Chevrolet Equinox compact SUV – $1,656 per year ($138 per month)
  4. Honda Civic compact car – $1,754 per year ($146 per month)
  5. 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.

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Chart Data Details: Chart shows average Kentucky car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Kentucky
Average Car Insurance Cost in Kentucky
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,986$249
$500$3,514$293
$250$4,076$340
30$1,000$1,568$131
$500$1,866$156
$250$2,176$181
40$1,000$1,500$125
$500$1,772$148
$250$2,056$171
50$1,000$1,366$114
$500$1,612$134
$250$1,868$156
60$1,000$1,342$112
$500$1,582$132
$250$1,834$153

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.

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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$966-$806
Virginia$982-$790
Tennessee$1,206-$566
Alabama$1,240-$532
West Virginia$1,370-$402
South Carolina$1,404-$368
Mississippi$1,438-$334
Georgia$1,472-$300
Arkansas$1,630-$142
Kentucky$1,772--
Louisiana$2,206$434
Florida$2,228$456

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.

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Chart Data Details: Average Kentucky car insurance cost by segment is based on 2022 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 April 12, 2022
Kentucky Car Insurance Rates by Vehicle Segment
Kentucky Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,656$138
Midsize Pickup$1,700$142
Minivan$1,784$149
Midsize SUV$1,794$150
Compact Car$1,822$152
Midsize Car$1,848$154
Half-ton Pickup$1,928$161
Compact Luxury SUV$1,992$166
Large SUV$2,000$167
Compact Luxury Car$2,012$168
Large Car$2,050$171
Heavy Duty Pickup$2,114$176
Midsize Luxury SUV$2,140$178
Midsize Luxury Car$2,346$196
Sports Car$2,500$208
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.

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.

Top 50 Cheapest Car Insurance Rates in Kentucky
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,346$112
2Nissan Kicks$1,382$115
3Chevrolet Trailblazer$1,390$116
4Honda Passport$1,422$119
5Subaru Crosstrek$1,422$119
6Chevrolet Colorado$1,458$122
7Buick Encore$1,462$122
8Toyota C-HR$1,464$122
9Nissan Rogue Sport$1,478$123
10Hyundai Venue$1,504$125
11Buick Envision$1,508$126
12Kia Seltos$1,510$126
13Ford Maverick$1,516$126
14Acura RDX$1,518$127
15Subaru Ascent$1,520$127
16Toyota Corolla Cross$1,520$127
17Hyundai Kona$1,534$128
18Subaru Forester$1,534$128
19Mazda MX-5 Miata$1,536$128
20Subaru Impreza$1,536$128
21Volkswagen Tiguan$1,538$128
22Chevrolet Spark$1,546$129
23Honda CR-V$1,552$129
24Cadillac XT4$1,556$130
25Mazda CX-30$1,568$131
26Ford Ranger$1,576$131
27Ford Edge$1,594$133
28Honda HR-V$1,594$133
29Ford Ecosport$1,606$134
30Chevrolet Trax$1,626$136
31Subaru Outback$1,626$136
32Acura ILX$1,630$136
33GMC Terrain$1,632$136
34Mitsubishi Eclipse Cross$1,636$136
35Toyota Tacoma$1,644$137
36Hyundai Tucson$1,646$137
37Nissan Murano$1,646$137
38Honda Odyssey$1,654$138
39Chevrolet Bolt$1,656$138
40Chevrolet Equinox$1,656$138
41Toyota Venza$1,656$138
42Volkswagen Taos$1,662$139
43Fiat 500X$1,666$139
44Ford Explorer$1,666$139
45Toyota RAV4$1,674$140
46Kia Sorento$1,678$140
47Kia Soul$1,678$140
48Nissan Frontier$1,688$141
49GMC Canyon$1,698$142
50Hyundai Palisade$1,700$142

    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 March 24, 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. 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Kentucky car insurance cost is based on 2022 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 March 24, 2022
    Kentucky Car Insurance Rates for Popular Vehicles
    Kentucky Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,422$119
    Honda CR-V$1,552$129
    Toyota Tacoma$1,644$137
    Toyota RAV4$1,674$140
    Ford F150$1,714$143
    Nissan Sentra$1,728$144
    Nissan Rogue$1,736$145
    Toyota Camry$1,740$145
    Ford Escape$1,744$145
    Ford Bronco$1,778$148
    Toyota Highlander$1,782$149
    GMC Sierra$1,806$151
    Kia Forte$1,814$151
    Ford Mustang$1,870$156
    Chevrolet Silverado$1,904$159
    Jeep Grand Cherokee$1,954$163
    Jeep Cherokee$1,966$164
    Hyundai Elantra$1,998$167
    Ram Truck$2,026$169
    Jeep Wrangler$2,028$169

    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 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.