Average car insurance cost in Kentucky
Kentucky tracks the national average almost exactly, ranking #27 of 51.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Kentucky compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Kentucky next to nearby states:
| State | Full coverage /mo | Difference vs KY |
|---|---|---|
| Kentucky | $208 | — |
| Tennessee | $176 | −$32/mo |
| Indiana | $166 | −$42/mo |
| Ohio | $148 | −$60/mo |
| West Virginia | $179 | −$29/mo |
Kentucky car insurance FAQ
How much is car insurance in Kentucky?
Full-coverage car insurance in Kentucky averages $208 per month ($2,496 per year). A state-minimum liability policy averages $79 per month ($948 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Kentucky more expensive than average?
No. Kentucky's full-coverage average of $208/month is about 0% below the U.S. average of $208/month, ranking #27 of 51 (1 = cheapest).
Is Kentucky a no-fault state?
Yes. Kentucky uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Kentucky?
Minimum liability in Kentucky averages $79/month versus $208/month for full coverage — a gap of $129/month, or $1,548/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.