For a 40-year-old driver with a clean record, car insurance in Radcliff, KY, averages about $227 a month ($2,720 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. The Kentucky average is about the same, at $229 a month. Travelers has the lowest full-coverage average in our Radcliff table, at about $126 a month.
Radcliff, next to Fort Knox, is priced close to the Kentucky average for car insurance. Our benchmark driver pays about $227 a month for full coverage, compared with $229 statewide. Compare Radcliff, KY car insurance quotes with those figures.
Our data has one Radcliff ZIP code, 40160, so the city average is that ZIP code’s average.
Cost data comes from the auto rates insurers file with state regulators, priced in Radcliff’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, car insurance in Radcliff, KY, runs about $227 a month ($2,720 a year) for full coverage, or $76 for liability-only coverage at 25/50/10 limits, using rates insurers had filed with state regulators as of Aug. 31, 2026. Kentucky as a whole averages $229 a month, which is roughly the same.
Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among these five insurers, at about $51 a month, followed by Kentucky Farm Bureau at $64.
Full-coverage averages by insurer in Radcliff
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $617 | $51 | $1,889 | $157 |
| Progressive | $915 | $76 | $1,894 | $158 |
| Kentucky Farm Bureau | $764 | $64 | $3,020 | $252 |
| Safeco | $931 | $78 | $3,247 | $271 |
| Allstate | $1,312 | $109 | $3,552 | $296 |
| Travelers* | $592 | $49 | $1,508 | $126 |
| Shelter Insurance* | $787 | $66 | $1,760 | $147 |
| GEICO* | $670 | $56 | $1,916 | $160 |
| Auto-Owners* | $745 | $62 | $2,104 | $175 |
| Radcliff average | $908 | $76 | $2,720 | $227 |
This table uses Radcliff’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $31 a year on average in our Radcliff data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Safeco charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Radcliff ZIP code, full coverage averaged $2,950 a year nine months earlier and $2,720 in rates as of Aug. 31, 2026, a 7.8% drop. Progressive cut its Radcliff average 26.0%, State Farm 9.1% and Kentucky Farm Bureau 8.9%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.3%, led by Progressive, which cut its liability-only average 15.6%, while Kentucky Farm Bureau raised its 1.7%.
Hardin County averages $2,710 a year for full coverage in our data. The Fort Knox ZIP code, 40121, averages about $230 a month, and Vine Grove $227. Among these five insurers, State Farm and Progressive are effectively tied here, though Progressive cut its Radcliff average 26.0% over the past nine months and State Farm 9.1%.
Kentucky cities and counties can tax insurance premiums, and Radcliff charges 11% on car insurance for 2026-27, according to the state’s 2026-27 tax schedule. Your insurer must list the tax and the city or county it goes to on your bill. Compare other places in our Kentucky car insurance tax by city guide.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Elizabethtown, about 11 miles southeast, averages $221 a month, and Louisville, about 30 miles north, $259.
Drivers in Radcliff follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Radcliff, KY, costs about $227 a month ($2,720 a year) for full coverage and $76 for liability-only coverage at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Radcliff table, at about $126 a month, followed by Shelter Insurance at $147. Among the five major insurers we compared, State Farm and Progressive are effectively tied for the lowest full-coverage average, at about $157 and $158 a month. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among the five major insurers we compared, at about $51 a month. Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. Kentucky lets cities and counties tax insurance premiums, and Radcliff’s rate on car insurance is 11% for 2026-27, according to the Kentucky Department of Insurance’s schedule, or about $110 on a $1,000 premium. Your insurer must show the tax and the taxing jurisdiction on your bill.
Not much, in our data. The Fort Knox ZIP code, 40121, averages about $230 a month for full coverage and Radcliff about $227. Military families can also compare USAA, which sells only to military members, veterans and their families.
In our Radcliff data, full coverage (100/300/100 with $500 deductibles) averages about $227 a month and liability-only coverage at 25/50/10 limits about $76, a difference of about $151 a month ($1,812 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kentucky law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Radcliff must carry Kentucky’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (or a single $60,000 limit), $10,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per crash unless you reject it in writing. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Radcliff full coverage fell 7.8% over the past nine months, from about $2,950 to $2,720 a year. Progressive cut its Radcliff average 26.0%, State Farm 9.1% and Kentucky Farm Bureau 8.9%. Liability-only coverage at 25/50/10 limits fell 4.3%.
For our benchmark driver, full coverage in Radcliff averages about $227 a month. Nearby, Elizabethtown averages about $221, Louisville about $259 and Jeffersontown about $223. Elizabethtown and Jeffersontown are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
