Loading...
Auto insurance rates, minimum coverage requirements, and driver statistics for Kentucky (KY).
Avg Annual Premium
$2,200
$474 above national avg
Cost Rank
#5
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
13.8%
of drivers
Min Liability
$720/yr
Legal minimum
Average Premium
$2,200/yr
State average
Full Coverage
$2,200/yr
Comprehensive + Collision
Kentucky requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $5,940 | $6,710 | $5,170 |
| 20-25 | $3,960 | $4,400 | $3,520 |
| 26-35 | $2,420 | $2,530 | $2,310 |
| 36-45 | $2,200 | $2,244 | $2,156 |
| 46-55 | $2,090 | $2,134 | $2,046 |
| 56-65 | $2,024 | $2,068 | $1,980 |
| 65+ | $2,310 | $2,376 | $2,244 |
Rates shown are annual averages for each age group in Kentucky. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Kentucky | National Avg |
|---|---|---|
| Average Annual Premium | $2,200 | $1,726 |
| Uninsured Rate | 13.8% | 11.1% |
| Registered Vehicles | 3,694,920 | 5,330,804 |
| Accidents per Year | 55,423 | 79,962 |
Population
4,506,000
Registered Vehicles
3,694,920
Accidents per Year
55,423
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.