Kentucky Car Insurance Calculator
Figures updated on
Answer three questions. No name, email or phone needed. The average for Kentucky is already in place.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Averages for Kentucky behind the estimate
The calculator takes the NAIC averages for Kentucky as its starting point, then adjusts them for the car, age and driving record.
| 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).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Learn more about car insurance in Kentucky
First written on