Kentucky Car Insurance Calculator
Calculate your auto insurance cost in Kentucky. Compare with state averages and find savings.
$1,923
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$160
Full Coverage
$2,489
Min Coverage
$645
Uninsured Rate
13.2%
Kentucky Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredYes ($10,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Kentucky
No-fault statePIP requirementRural roads
Major Metro Areas in Kentucky
LouisvilleLexingtonBowling GreenOwensboroCovington
FAQ
Kentucky Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Kentucky
The average annual car insurance premium in Kentucky is $1,923, or about $160 per month. Full coverage averages $2,489 annually, while minimum coverage averages $645. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Kentucky requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Kentucky also requires Personal Injury Protection (PIP) with a minimum of $10,000.
Key factors affecting Kentucky car insurance rates include: No-fault state, PIP requirement, Rural roads. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 13.2% of drivers in Kentucky are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Kentucky car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Kentucky Farm Bureau. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Kentucky include: State Farm, GEICO, Kentucky Farm Bureau, Progressive, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
KY Insurance Costs
Average premiums in Kentucky:
- Annual Average$1,923
- Monthly Average$160
- Full Coverage$2,489
- Minimum Coverage$645
KY Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate13.2%
Top KY Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Kentucky Farm Bureau
- •Progressive
- •Allstate