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.
Cheapest Car Insurance Companies in Kentucky
- In Kentucky on average the cheapest car insurance companies are State Farm, Allstate and Progressive. State minimum liability car insurance starts at $67 a month or $807 a year with State Farm and full coverage car insurance starts at $210 a month or $2,521 a year.
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 Providers | State 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 |
Popular KY Cities: Auto Policy Costs
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
| Kentucky City: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Bowling Green | $1,061 | $88 | $3,896 | $325 |
| Covington | $1,073 | $89 | $3,954 | $329 |
| Elizabethtown | $1,070 | $89 | $4,204 | $350 |
| Florence | $1,037 | $86 | $3,827 | $319 |
| Frankfort | $1,038 | $86 | $4,091 | $341 |
| Georgetown | $1,051 | $88 | $3,973 | $331 |
| Henderson | $1,002 | $84 | $4,078 | $340 |
| Hopkinsville | $938 | $78 | $3,987 | $332 |
| Independence | $1,041 | $87 | $3,867 | $322 |
| Jeffersontown | $1,301 | $108 | $4,275 | $356 |
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:
- $25,000 for injury/death for one person.
- $50,000 for all injuries per accident.
- $10,000 for property damage.
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:
- Ask about discounts for taking a Motor Vehicle Accident Prevention Course.
- Maintain a good credit score.
- Create an emergency fund of up to $1,500.
- Increase your deductible.
- Drop collision and comprehensive coverage for older vehicles and those already paid off.
- Ask about loyalty discounts.
- Ask about pay-as-you-drive discounts if you don’t drive very often.
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 Clerk‘s 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:
- Completed Application for Kentucky Title/Registration form.
- Notarized and signed copy of your vehicle’s title.
- Proof of insurance.
- Proof of vehicle inspection from your local sheriff’s office.
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
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.
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.
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.
