Kentucky vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $640/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 13.8%).

Rate & Coverage Comparison

Attribute	Kentucky	Minnesota
Avg Annual Premium	$2,200	$1,560
Min Liability	$720	$510
Full Coverage	$2,200	$1,560
Fault System	No-Fault	No-Fault
Uninsured Rate	13.8%	7.9%
Registered Vehicles	3,694,920	4,679,740
Accidents/Year	55,423	70,196
Population	4,506,000	5,707,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Kentucky$720 – $2,200

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

KentuckyFull rates, age breakdown, requirements →MinnesotaFull 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, Kentucky or Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $2,200 in Kentucky - a difference of $640 per year.

How do Kentucky and Minnesota compare on fault systems?

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

What are the minimum insurance requirements in Kentucky vs Minnesota?

Kentucky requires 25/50 / 25 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $720/yr in Kentucky and $510/yr in Minnesota.

Which state has more uninsured drivers, Kentucky or Minnesota?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky vs Minnesota 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

Kentucky

Minnesota

Avg Annual Premium

$2,200

$1,560

Min Liability

$720

$510

Full Coverage

$2,200

$1,560

Fault System

No-Fault

Uninsured Rate

13.8%

7.9%

Registered Vehicles

3,694,920

4,679,740

Accidents/Year

55,423

70,196

Population

4,506,000

5,707,000