Kentucky Car Insurance Quotes & Average Rates
Full coverage car insurance in Kentucky is estimated at $2,429 a year, or $202 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $810 a year. Kentucky is a no-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 36 Kentucky cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Kentucky
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Kentucky
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,846 | $154 | -24% | Military members and families only |
| Geico | $1,992 | $166 | -18% | Usually cheapest for clean records |
| State Farm | $2,138 | $178 | -12% | Strong for young and student drivers |
| Progressive | $2,308 | $192 | -5% | Competitive after a ticket or accident |
| Travelers | $2,356 | $196 | -3% | Good multi-policy discounts |
| Nationwide | $2,429 | $202 | 0% | Mid-market, wide availability |
| Allstate | $2,769 | $231 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,939 | $245 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Kentucky. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Kentucky car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $6,561 | $2,187 | $547 |
| 18 years old | $5,535 | $1,845 | $461 |
| 20 years old | $4,583 | $1,528 | $382 |
| 22 years old | $3,807 | $1,269 | $317 |
| 25 years old | $2,905 | $968 | $242 |
| 30 years old | $2,504 | $835 | $209 |
| 40 years old | $2,354 | $785 | $196 |
| 50 years old | $2,254 | $751 | $188 |
| 60 years old | $2,229 | $743 | $186 |
| 65 years old | $2,329 | $776 | $194 |
| 70 years old | $2,554 | $851 | $213 |
| 75 years old | $2,980 | $993 | $248 |
Estimated premiums by age in Kentucky, clean record, sedan.
How violations change your Kentucky premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,429 | — |
| 1 speeding ticket | $2,988 | +23% |
| 1 at-fault accident | $3,571 | +47% |
| DUI / DWI | $4,591 | +89% |
What a violation costs a 35-year-old in Kentucky. Surcharges normally stay on the policy for three to five years.
A DUI in Kentucky usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Kentucky minimum insurance requirements
| Required coverage in Kentucky | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| PIP $10,000 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Kentucky Department of Insurance before you buy.
Coverage levels in Kentucky
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $810 | $67 |
| Full coverage (100/300/100 + comp & collision) | $2,429 | $202 |
| Full coverage, high limits + low deductible | $2,891 | $241 |
Coverage level comparison for Kentucky.
Car insurance rates in Kentucky cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 36 Kentucky cities we price.