How much is car insurance in Kentucky?
Car insurance in Kentucky cost an average of $1,208 a year for full coverage in 2023 (NAIC), sitting 16% below the $1,439 national average and coming to about $1,430 a year in Kentucky today (about $120 a month in August 2026 dollars). In Kentucky, the law asks for at least 25/50/25 liability, while Kentucky liability-only policies—the closest NAIC figure to minimum coverage—averaged $633 in 2023 (about $750 today).
Average car insurance cost in Kentucky: 16% below the US average
Typical Kentucky full-coverage price today
about $1,430 a year in Kentucky (about $120 a month)
Kentucky's 2023 NAIC full-coverage average ($1,208) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Kentucky rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Kentucky was the 17th least expensive of the 50 states and DC for full coverage ($1,208 vs $1,439 nationally), but ranked higher on liability alone (23rd highest in the US at $633) because liability makes up 52% of a full-coverage Kentucky bill. Counting every insured car in Kentucky—both full-coverage and liability-only policies—Kentucky drivers spent $1,046 per vehicle on average in 2023 (17th lowest in the US, about $1,240 today), or 13% ($162) less than Kentucky's full-coverage combined average.
How Kentucky compares with Illinois, Indiana, Missouri, and 4 more bordering states
A typical policy in Kentucky ($1,208 in 2023) costs more than in Indiana and Ohio and less than in Illinois, Missouri, Tennessee, Virginia, and West Virginia. Among Kentucky's neighbors, Indiana had the lowest 2023 average ($1,032, moving to Kentucky is about $240 more a year) and Missouri had the highest ($1,323, moving to Kentucky is about $150 less a year).
| State | 2023 average | Moving to Kentucky from there |
|---|---|---|
| Kentucky | $1,208 | Current state (Kentucky) |
| Illinois | $1,257 | About $60 less a year |
| Indiana | $1,032 | About $240 more a year |
| Missouri | $1,323 | About $150 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 |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Minnesota ($1,223 in 2023, about $1,450 today), Nebraska ($1,184 in 2023, about $1,400 today), Montana ($1,184 in 2023, about $1,400 today), and Washington ($1,235 in 2023, about $1,460 today).
Kentucky: 25/50/25 minimums and a choice on no-fault rules
- Kentucky liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Kentucky
- Required
- Medical payments in Kentucky
- Not required
- No-fault system in Kentucky
- Your choice
- Uninsured motorist in Kentucky
- Included unless you decline in writing
- Underinsured motorist in Kentucky
- Not required
Set by KRS 304.39-110 (required minimum tort liability insurance), Kentucky's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Kentucky, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
In Kentucky, drivers choose whether no-fault rules or traditional fault rules apply on their policy. Under no-fault in Kentucky, your own policy pays for your injuries first regardless of who caused the crash.
Liability-only coverage in Kentucky—the closest NAIC figure to what a Kentucky minimum policy costs—averaged $633 in 2023 (about $750 in Kentucky today), the 23rd highest of the 50 states and DC. That makes liability 52% of Kentucky's full-coverage average ($1,208), while the remaining 48% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- Split limits of 25/50/25, or a $60,000 combined single limit (KRS 304.39-110, effective June 29, 2017). The $10,000 basic reparation benefit stayed the same when 2026 Ky. Acts ch. 149 (HB 627, effective July 15, 2026) amended 304.39-020; that Act changed PIP medical-fee and fraud provisions. Underinsured motorist coverage statute 304.39-320 was amended in 2024 (ch. 27, effective April 2, 2024).
- Checked
- September 22, 2026
- Sources
- KRS 304.39-110 (required minimum tort liability insurance)
not less than twenty-five thousand dollars ($25,000) ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) ... property ... or 2. Single limits liability coverage of not less than sixty thousand dollars ($60,000)
- KRS 304.39-080(5) (security required)
every owner or operator of a motor vehicle registered in this Commonwealth ... shall continuously provide ... security for the payment of basic reparation benefits ... and security for payment of tort liabilities
- KRS 304.39-020(2) (basic reparation benefits)
The maximum amount of basic reparation benefits payable for all economic loss resulting from injury to any one (1) person as the result of one (1) accident shall be ten thousand dollars ($10,000)
- KRS 304.39-060 (acceptance or rejection of tort limitation - 'choice no-fault')
Any person may refuse to consent to the limitations of his or her tort rights and liabilities ... Such rejection must be completed in writing or electronically in a form to be prescribed by the Department of Insurance
- KRS 304.20-020 (UM coverage)
unless coverage is provided therein ... in limits for bodily injury or death set forth in KRS 304.39-110 ... provided that any named insured shall have the right to reject in writing such coverage
- KRS 304.39-320 (UIM)
Every insurer shall make available, upon request, to its insureds underinsured motorist coverage
- 2026 Ky. Acts ch. 149 (HB 627)
Section 1. KRS 304.39-020 is amended to read as follows: ... shall be ten thousand dollars ($10,000)
- KRS 304.39-110 (required minimum tort liability insurance)
Adding a 16-year-old driver in Kentucky: about $940 more a year
Adding a 16-year-old to a Kentucky policy
about $940 more a year
About $80 a month (+66% over a typical Kentucky adult policy of $1,430), bringing the combined Kentucky family policy to roughly $1,750–$3,150 a year.
On a separate Kentucky policy of their own with the same car, a 16-year-old in Kentucky would pay about $4,110 a year (roughly $3,150–$5,850), so sharing a parent's Kentucky policy saves about $3,160 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Kentucky's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Kentucky
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 on a Kentucky policy, compared with about $1,420 more a year for the 2022 Tesla Model 3 in Kentucky.
| 2022 model | Added to a Kentucky policy | Own Kentucky policy |
|---|---|---|
| 2022 Subaru Forester | +$840 in Kentucky | $3,670 in Kentucky |
| 2022 Subaru Outback | +$850 in Kentucky | $3,680 in Kentucky |
| 2022 Subaru Crosstrek | +$850 in Kentucky | $3,690 in Kentucky |
| 2022 Honda CR-V | +$910 in Kentucky | $3,940 in Kentucky |
| 2022 Toyota RAV4 | +$920 in Kentucky | $4,010 in Kentucky |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Kentucky
In Kentucky, a 45-year-old with full coverage pays from about $1,360 a year for a 2024 Subaru Forester to about $1,690 for a 2024 Kia Sportage on these Kentucky sample models.
| Car | 45-year-old in Kentucky | Adding a teen in Kentucky |
|---|---|---|
| 2024 Toyota RAV4 | about $1,480 a year | +$980 a year |
| 2024 Honda CR-V | about $1,460 a year | +$960 a year |
| 2024 Subaru Forester | about $1,360 a year | +$900 a year |
| 2024 Subaru Outback | about $1,360 a year | +$900 a year |
| 2024 Mazda CX-5 | about $1,500 a year | +$990 a year |
| 2024 Hyundai Tucson | about $1,560 a year | +$1,030 a year |
| 2024 Kia Sportage | about $1,690 a year | +$1,110 a year |
| 2024 Chevrolet Equinox | about $1,520 a year | +$1,000 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Kentucky
- How much is car insurance in Kentucky?
- In Kentucky, full-coverage car insurance averaged $1,208 a year in 2023 (the 17th least expensive of the 50 states and DC per NAIC), or about $1,430 a year ($120 a month) in Kentucky as of August 2026. Kentucky liability-only coverage averaged $633 in 2023 (52% of Kentucky's full-coverage figure, or about $750 today), and Kentucky drivers spent $1,046 per insured car across all policies.
- What are the minimum car insurance limits in Kentucky?
- Under KRS 304.39-110 (required minimum tort liability insurance), Kentucky requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage (or a $60,000 single limit). Split limits of 25/50/25, or a $60,000 combined single limit (KRS 304.39-110, effective June 29, 2017). The $10,000 basic reparation benefit stayed the same when 2026 Ky. Acts ch. 149 (HB 627, effective July 15, 2026) amended 304.39-020; that Act changed PIP medical-fee and fraud provisions. Underinsured motorist coverage statute 304.39-320 was amended in 2024 (ch. 27, effective April 2, 2024).
- How much does adding a 16-year-old teen driver cost in Kentucky?
- Adding a 16-year-old to a parent's full-coverage policy in Kentucky adds about $940 more a year ($80 a month), bringing the Kentucky household policy to roughly $1,750–$3,150 a year versus about $4,110 a year (roughly $3,150–$5,850) on a standalone Kentucky teen policy.
- Is Kentucky a no-fault car insurance state?
- In Kentucky, you choose between no-fault rules and traditional fault rules when you buy or renew a Kentucky policy. $10,000 per person (Kentucky calls these basic reparation benefits).
- How does Kentucky's car insurance cost compare with Illinois?
- Kentucky averaged $1,208 for full coverage in 2023 (NAIC) against $1,257 in Illinois (4% less than Illinois), and moving a sample policy from Illinois to Kentucky today is about $60 less a year. Other bordering states averaged $1,032 in Indiana, $1,323 in Missouri, $1,038 in Ohio, $1,212 in Tennessee, $1,238 in Virginia, and $1,227 in West Virginia in 2023.
Sources for Kentucky
- Kentucky average premiums ($1,208 full coverage, $633 liability-only, $1,046 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Kentucky minimum coverage statutes (KRS 304.39-110 (required minimum tort liability insurance); KRS 304.39-080(5) (security required); KRS 304.39-020(2) (basic reparation benefits); KRS 304.39-060 (acceptance or rejection of tort limitation - 'choice no-fault'); KRS 304.20-020 (UM coverage); KRS 304.39-320 (UIM); 2026 Ky. Acts ch. 149 (HB 627)), checked September 22, 2026. Page updated for Kentucky. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.