Car insurance in Kentucky
Drivers in Kentucky paid $1,208 a year for full coverage in 2023, 16% below the national average. With prices up since, figure on about $1,430 today. In Kentucky, the law asks for at least 25/50/25 liability.
What people pay in Kentucky
A typical yearly price today
about $1,430 a year (about $120 a month)
Kentucky's average full-coverage cost in 2023 was $1,208, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,430.
That makes Kentucky the 17th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Kentucky next to its neighbors
A typical policy in Kentucky costs more than in Indiana and Ohio and less than in Illinois, Missouri, Tennessee, Virginia, and West Virginia.
| State | Typical price, 2023 | Moving to Kentucky from there |
|---|---|---|
| Kentucky | $1,208 | Not a move |
| Illinois | $1,257 | About $70 less a year |
| Indiana | $1,032 | About $240 more a year |
| Missouri | $1,323 | About $160 less a year |
| Ohio | $1,038 | About $230 more a year |
| Tennessee | $1,212 | About the same |
| Virginia | $1,238 | About the same |
| West Virginia | $1,227 | About the same |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Kentucky's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Your choice
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
In Kentucky, you choose whether no-fault rules apply to you. Under no-fault, your own policy pays for your own injuries first, whoever caused the crash.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $633 in Kentucky in 2023 (about $750 today, brought up the same rough way), the 23rd highest of the 50 states and DC. That's about 52% of the full-coverage price; the rest pays to fix or replace your own car.
Kentucky requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage, or a $60,000 combined limit. You also need $10,000 of personal injury protection. Kentucky is a 'choice' no-fault state: you're under no-fault rules unless you file a form with the Department of Insurance keeping your full right to sue (and be sued). Uninsured-motorist coverage is included unless you reject it in writing; underinsured coverage is optional.
No-fault is your choice here. If you don't choose, no-fault rules apply.
Good to know: Kentucky is a "choice" no-fault state. No-fault applies unless you file a written rejection with the Department of Insurance. Under no-fault, you can sue for pain and suffering only if medical bills pass $1,000 or the injury is serious.
- Combined limit you can use instead
- $60,000
- Personal injury protection
- $10,000 per person (Kentucky calls these basic reparation benefits).
- Uninsured and underinsured motorist
- Uninsured motorist coverage is included at no less than $25,000 per person and $50,000 per crash unless you turn it down in writing. Insurers only have to make underinsured motorist coverage available if you ask, so it's optional.
- Checked
- September 22, 2026
- Sources
A new teen driver in Kentucky
Adding a 16-year-old to a typical policy
about $940 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,750–$3,150 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,110 a year in Kentucky (roughly $3,150–$5,850).
What adding a teen costs comes from California's published prices, so the range is wide, and Kentucky may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Kentucky, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $840 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,420 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$840 a year | $3,670 a year |
| 2022 Subaru Outback | +$850 a year | $3,680 a year |
| 2022 Subaru Crosstrek | +$850 a year | $3,690 a year |
| 2022 Honda CR-V | +$910 a year | $3,940 a year |
| 2022 Toyota RAV4 | +$920 a year | $4,010 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Kentucky (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Kentucky's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.