Compare Free Kentucky Car Insurance Quotes

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How Much Does Car Insurance Cost in Kentucky?

  • In Kentucky the average state Minimum liability policy costs around $97 a month or $1,159 a year. KY drivers can expect to pay $329 a month or $3,947 a year for full coverage car insurance.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Kentucky- Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Kentucky Car Insurance Rates

Cheapest Car Insurance Companies in Kentucky

Here is a breakdown of average costs from the cheapest local insurance providers in Kentucky from our data set of used-car drivers who are single, middle aged and have a clean driving record:

Insurance ProvidersState Minimum:Monthly:Full Coverage:Monthly:
State Farm:$807$67$2,521$210
Allstate:$1,244$104$4,589$382
Progressive:$1,479$123$4,410$368
KY Farm Bureau:$1,615$135$7,198$600

If you would like to see the average cost for popular cities in Kentucky here is a list of city guides for you to dig in deeper as well as a quick glance data table of car insurance rates by city.

LIST OF POPULAR KY CITY COST GUIDES

State Minimum Liability Requirements in KY

If you want to drive in Kentucky, then you must have auto insurance as mandated by the Department of Motor Vehicles Regulation (DMVR).  Registered vehicles in Kentucky must have liability insurance that meets the following requirements:

Kentucky is a no-fault state, so insurers must offer Personal Injury Protection. You can decide to opt-out with a written application filed to the Department of Insurance. This coverage provides up to $10,000 for bodily injury expenses regardless of who caused the accident. However, this policy limits your ability to sue other drivers in the event of an accident.

Kentucky has a higher percentage of uninsured drivers than other states. However, you are not required to purchase Uninsured/Underinsured Motorist coverage.

Auto Policy Rates by County

The average cost of car insurance in Kentucky varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county and by vehicle type below for a minimum state policy for the average driver:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Adair$1,138$866$1,197$988$1,050
Allen$1,146$958$1,097$1,099$1,154
Anderson$1,130$868$1,083$997$1,056
Ballard$1,305$1,115$1,250$1,332$1,407
Barren$1,059$804$1,059$935$962
Bath$1,015$774$1,070$881$937
Bell$1,206$917$1,275$1,069$1,089
Boone$1,018$883$979$1,039$1,082
Bourbon$1,114$826$1,092$965$1,016
Boyd$1,021$776$1,074$897$932

Getting Lower Premiums on Kentucky Auto Insurance

To get a cheaper auto insurance policy in Kentucky, you may have to compare rates from several different insurance companies. However, there are a couple of things you can do to get lower rates, including:

One of the most important things that you can do to lower your rates is maintain a good driving record. Discounts for good driving vary by company, but most offer a small discount if you haven’t had an at-fault accident or traffic violations in the last three years.

Moving to Kentucky

You’ll need to get a Kentucky driver’s license and a Kentucky registration for your vehicle when you move to the state.

The DMV gives you 30 days to get your new license after you move to Kentucky. To obtain your license, you must go to your local Circuit Court Clerks office and bring a proof of residency, your birth certificate, Social Security card, and your out-of-state license. If you’re a student, you don’t need to transfer your license, but you do need to keep your student ID with you while driving.

When you arrive in Kentucky, you only have 10 days to register your vehicle. To register your vehicle, head to your local County Clerk’s office with the following:

Understanding Driving Laws in Kentucky

While you’re driving in Kentucky, there are some specific driving laws you should know about.

Like most states, Kentucky has a point system to help you improve on your driving habits before license suspension or revocation occurs. The Kentucky Transportation Cabinet keeps track of your points and offenses. If you receive as much as six points, the Division of Driver Licensing may contact you to take action to improve your driving.

Driving under the influence (DUI) of drugs and/or alcohol is strictly forbidden and enforced. A first DUI offense in Kentucky results in a jail sentence from 2 to 30 days, fines, license suspension, alcohol or drug treatment programs, and community labor.

FAQs: Kentucky Car Insurance

What ways can you prevent car theft in KY?

Car theft is a major problem for KY and insurance companies, which is one of the reasons why more expensive cars require higher premiums. To prevent car theft, always park in a well-lit, patrolled area and install alarms, steering wheel locks, and tracking systems such as LoJack.

What type of deductible should you choose?

You should try to get the highest deductible you can get to receive lower monthly payments for your KY auto coverage policy. Cover the small claims yourself and let the insurance company handle the more expensive ones. Of course, this can be a bad option if you are a poor driver and make frequent claims due to accidents.

How do you know if your car is totaled?

Your insurer decides if your car is totaled, which means that the cost of repairs exceeds the car’s value. When this occurs, your insurer gets to keep your car and sends you a check for the car’s market worth.

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