Average Car Insurance Cost in Kentucky (2025)

Drivers in Kentucky pay an average rate of $121 per month for liability insurance and $193 per month for full coverage, according to Insurify data. Compared to national averages, these figures are higher, potentially due to the high number of uninsured motorists in the Bluegrass State.1 

While car insurance premiums in Kentucky have risen over the past two years, you can still lock in cheap car insurance.

Here’s what you need to know about car insurance costs in Kentucky and how to find good coverage.

How much is car insurance in Kentucky?

On average, Kentucky drivers pay $157 per month for car insurance. Drivers pay $121 per month for minimum coverage and $193 per month for full coverage. 

Your exact monthly rate will depend on a number of factors, such as your ZIP code, driving history, gender, and credit history.

How Kentucky car insurance rates have changed over the past two years

The average yearly price for full-coverage car insurance in Kentucky rose to $2,200 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Kentucky.

See how Kentucky car insurance prices have changed over the past two years below.

Average Kentucky car insurance rates by city

Car insurance quotes in Kentucky vary by city and ZIP code. Local factors, such as weather conditions, crime rates, and traffic congestion, all play a role in premiums. While state-minimum liability-only policies have an average rate of $194 per month in an urban area like Louisville, they’re much less expensive in a smaller city. For example, in Bowling Green, liability rates are $118 per month, on average.

Here’s a look at the average monthly car insurance rates in different Kentucky cities.

Average Kentucky car insurance rates by age and gender

Car insurance premiums in Kentucky vary based on factors like your age and gender. Since teens and young adults are less experienced on the road, they typically face more expensive car insurance costs. Fortunately, rates tend to drop around 25 years old as drivers gain confidence on the road. Also, young males usually pay higher rates for auto insurance, as statistics show they pose a greater risk for accidents.2

Older drivers have the lowest monthly rates, but due to reduced faculties, they may see their rates increase around age 70.

The tables below show the average car insurance premiums in Kentucky, broken down by age and gender.

Average cost to insure popular vehicles in Kentucky

The most popular vehicles in Kentucky include the Chevrolet Silverado, Ford F-Series, Toyota RAV4, Ram 1500/2500/3500, and the Honda CR-V, according to Edmunds. While the Silverado, F-Series, and Ram trucks are durable options for the terrain of Kentucky’s rural towns, the RAV4 and CR-V are versatile, reliable, and fuel-efficient SUVs.

The table below shows the average monthly rate for these popular vehicles.

How your driving record affects car insurance rates in Kentucky

When you apply for coverage, car insurance companies look at your driving record, as it can help them gauge your likelihood of filing claims. If you have a clean driving record free of traffic violations, you’ll pay lower premiums than someone with a history of speeding tickets, at-fault accidents, and DUI convictions. 

For example, drivers with an incident on their record pay an average rate of $186 per month for car insurance. To secure the best deal on auto insurance, make every effort to drive safely and follow all the rules of the road.

Below is a table showing rates for Kentucky drivers with incidents on their records.

How to lower your insurance costs in Kentucky

You can’t control some factors that influence your car insurance rates — such as your age and ZIP code — but it’s still possible to find cheap car insurance. These strategies can help you save money on your coverage: