Florida vs Kentucky Car Insurance

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

Quick Verdict

More Affordable

Kentucky is $300/yr cheaper on average.

Fewer Uninsured

Kentucky has a lower uninsured rate (13.8% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Kentucky
Avg Annual Premium	$2,500	$2,200
Min Liability	$820	$720
Full Coverage	$2,500	$2,200
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	13.8%
Registered Vehicles	17,661,160	3,694,920
Accidents/Year	264,917	55,423
Population	21,538,000	4,506,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Kentucky

25/50 / 25 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Kentucky$720 – $2,200

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

FloridaFull 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, Florida or Kentucky?

Kentucky has cheaper car insurance, with an average annual premium of $2,200 compared to $2,500 in Florida - a difference of $300 per year.

How do Florida and Kentucky compare on fault systems?

Florida uses a no-fault system while Kentucky uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Kentucky?

Florida requires 10/20 / 10 liability. Kentucky requires 25/50 / 25 liability. Minimum liability costs $820/yr in Florida and $720/yr in Kentucky.

Which state has more uninsured drivers, Florida or Kentucky?

Florida has a higher uninsured driver rate at 20.4%, compared to 13.8% in Kentucky. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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

Florida

Kentucky

Avg Annual Premium

$2,500

$2,200

Min Liability

$820

$720

Full Coverage

$2,500

$2,200

Fault System

No-Fault

Uninsured Rate

20.4%

13.8%

Registered Vehicles

17,661,160

3,694,920

Accidents/Year

264,917

55,423

Population

21,538,000

4,506,000