Kentucky vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Pennsylvania is $440/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 13.8%).

Rate & Coverage Comparison

Attribute	Kentucky	Pennsylvania
Avg Annual Premium	$2,200	$1,760
Min Liability	$720	$580
Full Coverage	$2,200	$1,760
Fault System	No-Fault	No-Fault
Uninsured Rate	13.8%	7.6%
Registered Vehicles	3,694,920	10,662,460
Accidents/Year	55,423	159,936
Population	4,506,000	13,003,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Kentucky$720 – $2,200

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

KentuckyFull rates, age breakdown, requirements →PennsylvaniaFull 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 Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $2,200 in Kentucky - a difference of $440 per year.

How do Kentucky and Pennsylvania compare on fault systems?

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

What are the minimum insurance requirements in Kentucky vs Pennsylvania?

Kentucky requires 25/50 / 25 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $720/yr in Kentucky and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Kentucky or Pennsylvania?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky vs Pennsylvania 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

Pennsylvania

Avg Annual Premium

$2,200

$1,760

Min Liability

$720

$580

Full Coverage

$2,200

$1,760

Fault System

No-Fault

Uninsured Rate

13.8%

7.6%

Registered Vehicles

3,694,920

10,662,460

Accidents/Year

55,423

159,936

Population

4,506,000

13,003,000