How Much Does Auto Insurance Cost in Kentucky?

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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.

How Much Does Car Insurance Cost in Kentucky?

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 by vehicle type below for a minimum state policy of 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
Boyle$1,019$766$1,083$895$929
Bracken$1,466$1,118$1,465$1,258$1,371
Breathitt$1,527$1,162$1,605$1,338$1,379
Breckinridge$1,239$949$1,298$1,061$1,158
Bullitt$1,122$951$1,073$1,115$1,127
Butler$1,324$1,018$1,370$1,145$1,230
Caldwell$1,368$1,059$1,399$1,168$1,290
Calloway$1,193$911$1,220$1,032$1,106
Campbell$983$828$945$962$1,007
Carlisle$1,334$1,063$1,277$1,192$1,288
Carroll$1,354$1,031$1,420$1,167$1,257
Carter$1,213$928$1,247$1,041$1,129
Casey$1,266$1,031$1,214$1,181$1,266
Christian$1,077$823$1,135$942$991
Clark$1,075$804$1,066$948$970
Clay$1,683$1,279$1,771$1,480$1,525
Clinton$1,049$798$1,107$912$966
Crittenden$1,411$1,102$1,461$1,214$1,327
Cumberland$1,139$869$1,199$987$1,054
Daviess$976$809$937$937$979
Edmonson$1,416$1,077$1,357$1,227$1,306
Elliott$1,367$1,163$1,306$1,334$1,475
Estill$1,193$953$1,141$1,100$1,165
Fayette$946$809$911$957$974
Fleming$993$748$1,051$854$917
Floyd$1,223$936$1,286$1,080$1,107
Franklin$967$732$1,021$844$885
Fulton$1,420$1,088$1,386$1,211$1,333
Gallatin$1,585$1,184$1,533$1,351$1,469
Garrard$1,100$845$1,054$986$1,022
Grant$1,509$1,191$1,444$1,368$1,477
Graves$1,180$904$1,236$1,020$1,098
Grayson$1,436$1,185$1,368$1,345$1,452
Green$1,355$1,034$1,422$1,168$1,257
Greenup$1,132$878$1,084$1,006$1,061
Hancock$1,242$946$1,288$1,072$1,153
Hardin$1,052$905$1,008$1,056$1,086
Harlan$1,205$920$1,271$1,071$1,086
Harrison$1,032$777$1,091$894$949
Hart$1,278$968$1,326$1,101$1,183
Henderson$1,073$813$1,134$935$984
Henry$1,170$889$1,202$1,006$1,088
Hickman$1,341$1,048$1,259$1,162$1,269
Hopkins$1,135$870$1,188$977$1,058
Jackson$1,370$1,028$1,450$1,179$1,260
Jefferson$1,019$846$980$1,002$997
Jessamine$932$703$991$825$843
Johnson$1,107$843$1,168$978$1,000
Kenton$1,016$884$977$1,037$1,086
Knott$1,401$1,065$1,475$1,220$1,278
Knox$1,368$1,193$1,303$1,411$1,459
Larue$1,222$932$1,283$1,065$1,123
Laurel$1,332$1,021$1,269$1,198$1,203
Lawrence$1,382$1,049$1,453$1,189$1,276
Lee$1,164$881$1,228$1,009$1,066
Leslie$1,668$1,253$1,749$1,446$1,517
Letcher$1,312$990$1,388$1,149$1,189
Lewis$1,003$764$1,055$863$933
Lincoln$1,121$844$1,178$982$1,018
Livingston$1,476$1,140$1,496$1,269$1,382
Logan$926$709$973$812$850
Lyon$1,249$965$1,302$1,071$1,171
Madison$898$675$954$789$814
Magoffin$1,618$1,237$1,636$1,432$1,464
Marion$1,311$1,125$1,254$1,314$1,401
Marshall$1,268$969$1,226$1,102$1,173
Martin$1,521$1,147$1,587$1,325$1,378
Mason$959$724$1,014$827$886
McCraken$1,167$887$1,154$1,021$1,068
Mccreary$1,409$1,075$1,478$1,224$1,299
Mclean$1,278$970$1,288$1,095$1,192
Meade$1,079$939$1,032$1,081$1,125
Menifee$1,147$870$1,144$987$1,062
Mercer$1,083$811$1,096$945$989
Metcalfe$1,133$863$1,193$982$1,046
Monroe$1,014$766$1,073$869$942
Montgomery$1,101$832$1,093$975$995
Morgan$1,328$1,107$1,247$1,240$1,366
Muhlenberg$1,321$1,017$1,346$1,144$1,227
Nelson$1,287$1,031$1,231$1,187$1,240
Nicholas$1,151$928$1,105$1,073$1,134
Ohio$1,102$837$1,158$950$1,021
Oldham$1,133$855$1,152$991$1,036
Owen$1,526$1,163$1,601$1,313$1,419
Owsley$1,397$1,053$1,477$1,211$1,275
Pendleton$1,447$1,088$1,479$1,244$1,339
Perry$1,768$1,340$1,727$1,565$1,584
Pike$1,472$1,120$1,554$1,306$1,325
Powell$1,178$974$1,128$1,121$1,197
Pulaski$1,142$860$1,209$1,002$1,038
Robertson$1,183$1,026$1,135$1,181$1,268
Rockcastle$1,211$1,025$1,158$1,172$1,261
Rowan$1,115$848$1,175$971$1,027
Russell$1,045$799$1,103$919$957
Scott$1,070$868$1,026$1,014$1,058
Shelby$1,160$875$1,227$1,021$1,053
Simpson$1,054$799$1,052$925$962
Spencer$1,256$949$1,309$1,093$1,152
Taylor$1,167$886$1,231$1,021$1,069
Todd$1,095$846$1,063$948$1,022
Trigg$1,220$946$1,259$1,050$1,147
Trimble$1,553$1,249$1,488$1,416$1,533
Union$1,176$902$1,213$1,019$1,094
Warren$965$823$924$962$983
Washington$1,346$1,047$1,286$1,196$1,279
Wayne$1,278$970$1,345$1,111$1,174
Webster$1,428$1,100$1,404$1,221$1,341
Whitley$1,175$888$1,243$1,033$1,069
Wolfe$1,264$955$1,331$1,088$1,159
Woodford$1,066$832$1,024$970$1,017

Finding Auto Insurance Resources in Kentucky

You have many different resources available for finding information about Kentucky auto insurance requirements and policy options. Although the Kentucky DMV is a great learning center, talking with local insurers can be very beneficial.

If you have a history of accidents or citations and you can’t seem to find insurance coverage, you can apply for the Kentucky Automobile Insurance Plan (KAIP). The KAIP offers high risk individuals the option of coverage. This plan shares risk among companies providing auto insurance in Kentucky, so the premiums are still manageable.

The Kentucky Insurance Arbitration Association also provides mediation services if you need help filing a complaint.

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.

Frequently Asked Questions About Kentucky Auto Insurance

What ways can you prevent car theft?

Car theft is a major problem for 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. 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.

How to Get Great Rates on Kentucky Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Kentucky Auto Insurance Resources

Need more than just auto insurance quotes in Kentucky? Here are some resources for more information on Kentucky auto insurance and driving laws.

Insurance Information Institute

A general consumer resource for insurance-related issues:

http://www.iii.org/

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.