Arizona vs Kentucky Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arizona is $330/yr cheaper on average.

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 13.8%).

Rate & Coverage Comparison

Attribute	Arizona	Kentucky
Avg Annual Premium	$1,870	$2,200
Min Liability	$620	$720
Full Coverage	$1,870	$2,200
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.8%	13.8%
Registered Vehicles	5,968,780	3,694,920
Accidents/Year	89,531	55,423
Population	7,279,000	4,506,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Kentucky

25/50 / 25 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

ArizonaFull rates, age breakdown, requirements →KentuckyFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Kentucky?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $2,200 in Kentucky - a difference of $330 per year.

How do Arizona and Kentucky compare on fault systems?

Arizona uses a at-fault (tort) system while Kentucky uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arizona vs Kentucky?

Arizona requires 25/50 / 15 liability. Kentucky requires 25/50 / 25 liability. Minimum liability costs $620/yr in Arizona and $720/yr in Kentucky.

Which state has more uninsured drivers, Arizona or Kentucky?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Kentucky insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Kentucky

Avg Annual Premium

$1,870

$2,200

Min Liability

$620

$720

Full Coverage

$1,870

$2,200

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.8%

13.8%

Registered Vehicles

5,968,780

3,694,920

Accidents/Year

89,531

55,423

Population

7,279,000

4,506,000