Average Car Insurance Cost in Kentucky
Numbers refreshed
Kentucky coverage averages from NAIC, ranked nationwide.
- Full coverage averages $1,337 each year.
- Minimum liability limits are 25/50/25.
- For price, Kentucky ranks 36th of 51, where 1st means the highest cost.
By coverage: average costs in Kentucky
For Kentucky, the yearly average for full coverage is $1,337. The US yearly average is $1,613, so Kentucky's figure is 17% less.
Per insured car, average spending rose from $1,046 in 2023 to $1,150 in 2024, an increase of 10.0%.
| Coverage in Kentucky | Per year | Per month |
|---|---|---|
| Liability | $673 | $56 |
| Collision | $401 | $33 |
| Comprehensive | $263 | $22 |
| Full coverage (all three) | $1,337 | $111 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Kentucky compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Virginia | 33rd | $1,358 | $113 |
| Tennessee | 34th | $1,354 | $113 |
| Nebraska | 35th | $1,345 | $112 |
| Kentucky | 36th | $1,337 | $111 |
| Montana | 37th | $1,322 | $110 |
| Kansas | 38th | $1,295 | $108 |
| South Dakota | 39th | $1,291 | $108 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for your situation
All ages and records are combined in the averages. The Kentucky calculator adjusts the figures for your age and record.
Additional Kentucky car insurance topics
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