Cheapest Car Insurance in Kentucky (Sep 2024)

free car insurance quotes

, and Kentucky Farm Bureau may have the largest market share in Kentucky, they aren’t necessarily the best car insurance companies for every driver.

In fact, three companies rose above the rest in our survey respondents’ ratings: Clearcover, MAPFRE, and Dairyland. These smaller insurers offer competitive rates and highly-rated customer service that can edge out big-name insurers like

GEICO

and Allstate for many drivers.

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Allstate	September 11, 2024	5	"Great company to go through " -Cory
Esurance	September 11, 2024	3	"My rates were cheaper with them the anything else" -Wesley
Dairyland	September 9, 2024	5	"Dairyland made it really easy to sign up. Stress free and affordable rates." -Harold
Freedom National	September 2, 2024	5	"Best lie rate I could get after an ex husband ruined me. " -Inez
Bristol West	September 2, 2024	5	"They was friendly helpful and worked efficiently to get my policy started for a great price " -Myrtie

Last Updated Sep 11, 2024

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

If you're ready to expedite your insurance hunt and streamline your options, then it’s time to sign up for Jerry. Downloading the app, creating a driver profile, and comparing your personalized batch of

takes less than a minute. Whether you're on the busy streets of Louisville or cruising the peaceful roads of rural Kentucky, know that your ideal insurance coverage level is only a few clicks away.

Minimum car insurance requirements for liability and full coverage in Kentucky

Kentucky car insurance law

mandates drivers to maintain minimum liability insurance along with basic

personal injury protection (PIP)

coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.

It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.

Cheapest minimum liability coverage in Kentucky

The average cost of a minimum liability-only policy in Kentucky is approximately $109 per month, or $1,304 per year.

There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is

liability car insurance

, which is referred to as 25/50/10 coverage, breaks down as follows:

$25,000 of

bodily injury liability (BIL)

insurance per person

$50,000 of total bodily injury coverage per accident

$25,000 of

property damage liability coverage

per accident

Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.

In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.

Because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form
.

No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available.

Check out this table to see what different Jerry users paid for different types of coverage:

Eddie (26 years old)

Coverage

State Minimum

Covington, KY

Toyota Camry L

$97

per month

May (33 years old)

Coverage

State Minimum

Lexington, KY

KIA Forte LX

$241

per month

Darrell (40 years old)

Coverage

State Minimum

Versailles, KY

Mercedes-Benz C 300 4matic

$261

per month

Cecilia (32 years old)

Coverage

State Minimum

Hillsboro, KY

Jeep Cherokee Latitude

$185

per month

Kentucky’s car accident laws

Jeremiah (59 years old)

Coverage

State Minimum

Shelbyville, KY

Mazda 6 S

$105

per month

Bristol West

Frank (49 years old)

Coverage

State Minimum

Russellville, KY

Chevrolet Malibu Hybrid

$205

per month

Do you need more than the minimum liability insurance coverage in Kentucky?

Yes. While $25,000 or $50,000 of liability insurance might sound like a lot, consider the costs that could stem from a car accident:

The average hospital stay following a car accident costs around $60,000

The average vehicle on the road today is worth $48,0000

If you’re at fault in an accident and only carry Kentucky’s minimum liability coverage, you may be seriously underinsured—and the other driver can sue you for the remainder (even if they haven’t waived their PIP coverage). What’s more,

permit drivers to file personal injury lawsuits up to two years after an accident.

Bottom line: Take a closer look at your car insurance policy and reflect on the potential risks. For the best financial protection, consider upping your coverage limits beyond the state minimums.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Kentucky auto insurance quotes

A standard

full coverage car insurance policy

includes liability, collision, and comprehensive coverage.

Collision coverage

insures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.

Comprehensive coverage

covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.

Compared to a minimum coverage policy, a full coverage option costs around $199 per month, or $2,392 annually. While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it.

Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$60	Brent, 42 Somerset, KY	RAM 1500 TRX
• State Minimum Liability • Comp / Collision	Safeco	$185	Cecilia, 32 Hillsboro, KY	Jeep Cherokee Latitude
• 100,000/300,000 Liability • Comp / Collision	AAA	$159	Terry, 34 Lexington, KY	Toyota RAV4 LE
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$101	Janie, 44 Erlanger, KY	Chevrolet Equinox LT
• 50,000/100,000 Liability • Comp / Collision	National General	$316	Cory, 34 Lexington, KY	GMC Yukon Denali

Last Updated Sep 17, 2024

Kentucky car insurance: Additional coverages

Think of your insurance policy as a bluegrass band—each instrument adds its own unique flavor to the melody. Here are some additional coverages that can add extra layers to your insurance jam:

Rental reimbursement coverage

: Your car is off the road for covered repairs, but the show must go on! This coverage will pay for the cost of a rental car to keep your daily gig running smoothly.

Towing and labor coverage

: Sometimes your car misses a beat. For those unexpected breakdowns, towing and labor coverage is your ever-reliable roadie ready to assist.

Non-owner car insurance

: Perfect for regular users of car-sharing services or folks needing temporary coverage, this coverage chimes in to provide liability protection when driving a borrowed or rented vehicle.

Gap insurance

: If your car is declared a total loss, there may be a “gap” between your car’s

actual cash value

and the remaining amount on your loan. This coverage steps in to reconcile the difference and retain your financial harmony.

Mechanical breakdown insurance (MBI)

: Just like Earl Scruggs, cars have their share of breakdowns. This insurance helps cover the costs of unexpected repairs or replacements that aren’t related to an accident—which is why it’s best suited to new and high-value vehicles.

MORE:

Types of insurance

Not in Kentucky?

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Car insurance premium by rating factors

Your car insurance premium isn't just pulled out of a hat. Insurers employ a multifaceted approach, using

several key aspects of your profile

to shape your annual rates. Here's a glimpse behind the curtain:

Your road resumé: Insurance companies take a keen interest in your driving past, considering incidents such as accidents, traffic violations, and any previous claims you've made. Better road behavior translates to better rates.

Your experience: Age matters, at least in the world of driving. Younger and less-seasoned drivers tend to endure higher insurance rates because they're statistically more likely to be involved in accidents.

Your car: Your vehicle's make, model, and age aren't just conversation starters—they also factor into your insurance premiums. If your car is newer or considered luxury, brace yourself for steep insurance costs.

How do different factors impact your car insurance costs in Kentucky?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Kentucky:

How to find cheap Kentucky car insurance if you’re a high-risk driver

A blotch on your driving record doesn't mean the end of affordable car insurance. Yes, a driving violation can dent your insurance rates, but there's a strategy to help you find cost-effective coverage in Kentucky.

Cheapest car insurance for Kentucky drivers with a speeding ticket

A single

Kentucky speeding ticket

can raise the average cost of car insurance by 64%! And that’s not even including the original fine, potential court fees, points on your license, and other serious penalties like a suspended license. And if your need for speed lands you with a

Kentucky reckless driving charge

, you’re looking at even steeper penalties.

After a speeding ticket, most drivers in Kentucky pay approximately $211 per month for the minimum car insurance—or $2,537 per year.

To combat surging car insurance premiums resulting from a speeding ticket, consider enrolling in a

defensive driving course

and make a pledge to improve your driving habits. You may be pleasantly surprised by the impact these changes can have on your coverage costs. It also doesn’t hurt to shop for the best pricing with Jerry:

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 6-10	Progressive	$60	Isaiah, 40 Lexington, KY	• 50,000/100,000 Liability
Speeding 11-15	AAA	$290	Nina, 24 Mount Sterling, KY	• State Minimum Liability • Comp / Collision
Speeding 16-20	Allstate	$203	Joshua, 35 Nicholasville, KY	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Very affordable! I pay about half of what my old insurance tried to charge me for two cars.

Nicole

They have great pricing and coverage!

Christina

Best prices around

Kendra

Great experience and intellectual understanding.

Sebastian

How to find cheap Kentucky auto insurance after a DUI

The aftermath of a

DUI conviction in Kentucky

is far from pleasant, including hefty fines, license suspension, potential jail time, and skyrocketing auto insurance premiums.

Drivers with a DUI on their record pay an average of $154 per month for liability-only coverage in Kentucky, and may face hurdles when applying for car insurance.

The first step towards reducing your insurance costs and finding affordable coverage is shopping around. Prepare to see a wide range of quotes among insurers and don’t take the first one to come your way. While it may require some patience and effort, securing affordable coverage after a DUI conviction is certainly feasible—and Jerry can lighten the load.

Charles (29 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Lexington, KY

Honda CR-V EX

$101

per month

Vincent (41 years old)

DUI

Coverage

State Minimum

Corbin, KY

Ford Mustang

$160

per month

Chris (29 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Owensboro, KY

Ford Mustang

$173

per month

Charlotte (52 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Chevrolet Trax LS

$472

per month

Bristol West

Blake (49 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Shepherdsville, KY

Jeep Grand Cherokee Laredo

$284

per month

Clearcover

Addie (32 years old)

DUI

Coverage

State Minimum

SR-22 insurance certificate

Jeep Cherokee Latitude

$268

per month

Kentucky SR-22 insurance

For certain driving offenses such as a DUI, driving without insurance, or racking up multiple traffic violations, many states require filing for SR-22 insurance. Kentucky, however, is one of a few states that don’t specifically require drivers to file an

. Still, you must prove that you meet the minimum state insurance requirements to drive.

Once you’re legally allowed to drive again, you’re not totally off the hook—you can expect your insurance costs to nearly double. Those in Kentucky who are required to carry an SR-22 certificate may face a premium increase of 57%, with rates for minimum coverage climbing from $109 per month to $196 per month.

After spending some quality time with Jerry shopping the insurance marketplace, however, you will find more affordable options with different insurers. Some even specialize in catering to high-risk drivers!

How to find cheap car insurance in Kentucky after an at-fault accident

Each insurance company has a different way of evaluating risk, making the quest for cheap auto insurance rates somewhat tricky if you have a history of accidents.

Enhance your chances of lowering your insurance rates following an at-fault accident by shopping for the best quotes from multiple insurance companies. Don't settle for the first quote that lands in your inbox. Instead, explore all of your options and choose the one that fits your needs and budget best using the Jerry app, just like these savvy Kentucky drivers:

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$108	Polly, 35 Providence, KY	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$221	Logan, 37 Louisville, KY	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	AAA	$227	Cecelia, 40 Lexington, KY	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$186	Amelia, 54 Winchester, KY	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	State Auto	$163	Connor, 60 Shepherdsville, KY	• State Minimum Liability

Last Updated Sep 14, 2024

FAQ

Is Kentucky a no-fault state?

Yes—but there’s a catch. Kentucky is actually one of three “choice no-fault states” when it comes to making insurance claims. Under this system, no-fault PIP insurance is automatically included in every car insurance policy, but drivers can choose to reject it in writing.

If a driver chooses the no-fault system, they’ll generally seek compensation from their own insurance company first, regardless of who caused the accident, and they’ll give up their right to sue for injuries under $1,000. Drivers, however, have the choice to purchase a traditional tort liability policy instead. This option allows drivers to pursue legal action against the at-fault party for additional compensation beyond what their own coverage offers.

Cheapest auto insurance after other violations in Kentucky

Traffic violations don't necessarily equate to sky-high car insurance rates. Even if your driving record has seen better days, you can still land affordable car insurance rates.

Take a look at the table below to see some other violations and their average premium costs in Kentucky:

Violation	Average monthly premium cost
Illegal turn	$86
Defective equipment	$113
Driving on suspended license	$150
Careless driving	$203

Here are a few examples of low-cost quotes Kentucky drivers were able to secure in spite of a history of traffic violations:

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$125	William, 27 Dayton, KY	KIA Forte EX	• State Minimum Liability • Comp / Collision
Driving on Sus. License	AAA	$332	Ernest, 26 Corbin, KY	Nissan Juke S	• State Minimum Liability • Comp / Collision
DUI	Allstate	$259	Brian, 34 Nancy, KY	Chrysler Sebring Limited	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Nationwide	$153	Bertha, 34 Bowling Green, KY	GMC Acadia SLE	• 50,000/100,000 Liability • Comp / Collision
Illegal Turn	Bristol West	$176	Dylan, 32 Brandenburg, KY	KIA Sorento	• State Minimum Liability
Improper Passing	Clearcover	$78	Lilly, 36 Paducah, KY	Ford F250 Super Duty	• State Minimum Liability
Leaving scene of an Accident/Hit and Run	Progressive	$121	Olga, 59 Corbin, KY	Pontiac G5 GT	• State Minimum Liability
Open Container	Progressive	$119	Bradley, 28 Fort Campbell, KY	GMC Terrain SLE	• State Minimum Liability • Comp / Collision
Passing School Bus	Progressive	$181	Addie, 33 Newport, KY	Honda Odyssey EX	• 50,000/100,000 Liability
Speeding 16-20	State Auto	$427	Bernard, 25 Louisville, KY	BMW 330Xi	• 50,000/100,000 Liability • Comp / Collision
Speeding 11-15	Bristol West	$232	Charles, 25 Hopkinsville, KY	Jeep Patriot Sport	• State Minimum Liability
Suspension	AAA	$138	Evelyn, 25 Richmond, KY	Ford Focus ZXW	• State Minimum Liability
Vehicle Theft	Progressive	$109	Tom, 48 Elizabethtown, KY	Ford Fusion SE	• State Minimum Liability
Unsafe Operation of a Motor Vehicle	National General	$77	Norman, 40 Lexington, KY	Ford Taurus SEL	• 50,000/100,000 Liability

Last Updated Sep 15, 2024

How to find cheap Kentucky car insurance based on your insurance history

Your insurance history is a key player in the game of car insurance rates in Kentucky. Typically, drivers with a lapse in their coverage will see rates rise to around $241 per month, or $2,895 per year.

At Jerry, we know how important it is to maintain car insurance so that even a small

lapse in insurance coverage

doesn’t impact your rates in the future.

If there’s been a break in your coverage, Jerry can help you find a new policy and start off on the right foot. Our automated system sends payment and renewal reminders so you’ll never experience a lapse in coverage again.

Isabella (42 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Hopkinsville, KY

Dodge Avenger SE

$211

per month

Adele (40 years old)

Not Currently Insured

Coverage

State Minimum

Pikeville, KY

Hummer H3

$215

per month

Lilly (28 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hyundai Sonata SEL

$120

per month

Clayton (42 years old)

Not Currently Insured

Coverage

State Minimum

Winchester, KY

Honda Accord EXL

$74

per month

Mason (40 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Toyota Camry LE

$319

per month

Clearcover

Milton (33 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Buick Lucerne CX

$294

per month

How to find cheap Kentucky car insurance with a low credit score

Similar to a coverage lapse, a poor credit score labels you as a financial risk to insurers. Drivers in Kentucky with credit scores below 600 often pay 38% more for car insurance than those with scores of 700+.

Take a look at the table below to see how your credit score could impact your car insurance rates in Kentucky:

Credit score	Average monthly premium cost
< 600	$215
601-699	$188
700+	$146

Even if your credit history is less than stellar, there are car insurance options out there for drivers of all credit levels.

Drivers with impressive credit scores of 750 and above may enjoy car insurance discounts of up to 20%. But those with a credit score below 550 needn't lose heart—affordable coverage is still within reach. There are insurance providers who will work with you despite your credit woes, and they’re all just a few screen taps away on the Jerry app.

Check out what these Jerry drivers with different credit scores paid for their car insurance:

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$165	Randall, 31 Hurstbourne, KY	Nissan Kicks S	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Allstate	$147	Marian, 59 Lexington, KY	Toyota Prius	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Travelers	$327	Luella, 36 Pendleton, KY	KIA Stinger Premium	• 50,000/100,000 Liability • Comp / Collision
< 550	Safeco	$62	Ann, 32 Union, KY	Infiniti FX35	• State Minimum Liability

Last Updated Sep 13, 2024

How to find cheap auto insurance in Kentucky for your age

As with young drivers everywhere, those in Kentucky often grapple with higher insurance rates due to their minimal on-road experience. By age 25, however, drivers generally have gathered enough experience to lower their accident risk, leading to a drop in their insurance costs. These rates often remain stable until around age 75, when they may start to climb again.

If you find yourself outside the "prime" age bracket, fear not. You can still find the best rate regardless of your age group!

The best car insurance companies in Kentucky for young drivers

In Kentucky, a lack of experience or credit history doesn't necessarily block the road to affordable car insurance. Many insurance companies offer enticing discount programs tailored to young drivers who are just starting their driving journey.

Teen drivers

between the ages of 16 and 19 are at a higher risk of car accidents, which is why they typically face steeper insurance premiums. On average, drivers under 18 pay around $404 per month for liability-only car insurance, whereas those between 18 and 21 pay approximately $271 per month. When it comes to full coverage, however, these rates climb even more, with teens paying approximately $838 per month, and young drivers paying around $537 per month.

To help young drivers find cheaper car insurance, consider adding them to your existing policy, and take advantage of student discounts.

Similarly, you can lower your costs by using Jerry. Numerous young drivers and their guardians have leveraged Jerry’s help to find the most affordable car insurance rates. And if you’re feeling extra shaky, considering full coverage at this stage can be a wise choice to cover all your bases.

Ivan (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Pontiac G6

$89

per month

Travelers

Catherine (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Princeton, KY

Nissan Versa S

$250

per month

Rena (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chevrolet Sonic LT

$285

per month

Sara (23 years old)

Coverage

State Minimum

Crestwood, KY

Volkswagen Passat R-Line

$95

per month

best car insurance options to seniors

Emily (24 years old)

Coverage

State Minimum

Upton, KY

Ford Fusion SEL

$151

per month

Clearcover

Brandon (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Ekron, KY

GMC Terrain SLT

$167

per month

The best car insurance companies for senior drivers in Kentucky

Age can bring about unique driving challenges due to decreased physical abilities or cognitive decline. As a result, insurance companies sometimes levy higher rates on seniors.

Drivers in Kentucky between 55 and 64, on average, pay $107 per month for minimum coverage—but once motorists turn 65, these rates rise again to $114 per month. For full coverage, it’s a similar story: rates for drivers 65+ are approximately $199 per month, which is 5% more than those 55-64.

Nevertheless, several companies in Kentucky aim to provide superior coverage for this particular demographic. Institutions like AARP are dedicated to offering some of the

. And no matter your plan, many companies are happy to extend discounts for a good driving record no matter your age.

If you’re struggling to find adequate coverage within your budget, you can always turn to Jerry. We’ll match you with policies that suit your driving habits at prices you can afford.

Donald (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lexington, KY

Ford Expedition Eddie Bauer

$99

per month

Travelers

Evelyn (66 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Chevrolet Express G1500 3LT

$104

per month

Devin (65 years old)

Coverage

State Minimum

Elsmere, KY

Hyundai Elantra Blue

$116

per month

Bristol West

Seth (76 years old)

Coverage

State Minimum

Burlington, KY

GMC Yukon XL K1500

$110

per month

How to get car insurance before buying a car

Jeff (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Nicholasville, KY

Ford Explorer XLT

$73

per month

Clearcover

Rosalie (84 years old)

Coverage

State Minimum

Ashland, KY

Dodge Grand Caravan SXT

$125

per month

4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Great company to go through

Wesley

My agent was really nice and helped me through everything. This was actually the best price I had been able to find lately .

Kaitlin

So far everything has been good. The policy is affordable too.

Eric

They were quick, easy to understand and affordable.

Chris

How to find car insurance discounts in Kentucky for your motor vehicle

In Kentucky, your choice of vehicle can have a substantial impact on your car insurance premiums. Your car's repair and replacement costs, its appeal to thieves, and its safety record all contribute to your insurance costs.

In Kentucky, many drivers favor these five vehicle models, which tend to secure favorable insurance rates:

Vehicle type	Average monthly coverage cost
Ford F-150	$119
Ram 1500	$129
Chevrolet Silverado C1500	$135
Toyota RAV4	$154
Toyota Highlander	$159

To enjoy the cheapest auto insurance coverage in Kentucky, consider vehicles known for their low repair costs, robust security systems, and proven safety records. Insurance companies prize these qualities because they can shrink expensive repair bills, discourage theft, and lower the chances of severe injury claims.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
RAM 1500 Rebel	Progressive	$190	Martha, 45 Regina, KY	• 100,000/300,000 Liability • Comp / Collision
Toyota RAV4 LE	Nationwide	$154	Trevor, 53 Ekron, KY	• State Minimum Liability • Comp / Collision
Toyota Highlander SE	Safeco	$109	Ora, 47 Goshen, KY	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

MORE:

Is it cheaper to insure a new car or a used car?

Generally, it's more expensive to insure newer cars than older ones. The higher replacement cost in the event of an accident and the allure of newer models for thieves contribute to this. Newer models also tend to come with the latest and greatest in technology and features, which can be more costly to repair or replace.

Alternatively, used cars typically have a lower overall value, leading to cheaper insurance premiums as the potential loss to the insurance company is less.

Della (19 years old)

1999 Ford Mustang

Coverage

State Minimum

Winchester, KY

$141

per month

George (55 years old)

2005 Toyota Avalon XL

Coverage

State Minimum

$145

per month