Kentucky, America’s 15th state, has a lot to offer residents and tourists alike. In this state one can find the longest cave system in the world, legendary horse races, the longest navigable waterways in the U.S., herds of deer, flocks of turkeys and all-American distilleries. Enjoy an afternoon of bluegrass music in the state that gave the music its name, hike through the infamous Cumberland Gap or visit breath-taking Red River Gorge and appreciate all that Kentucky has to offer. Taking a drive through this state can be beautiful. So to give drivers that freedom, CheapCarInsurance.net has streamlined the search for car insurance information by compiling this helpful list of all the necessary facts as well as average costs.
The average cost of car insurance in Kentucky can vary depending on several factors. According to recent data from the National Association of Insurance Commissioners (NAIC), the average annual premium for car insurance in Kentucky is around $1,100. However, actual costs can be higher or lower based on your individual circumstances such as driver demographic, current city, driving records and more. We’ve provided a table below of data from the average of thousands of drivers in KY based on vehicle type and current city in the state:
Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
---|---|---|---|---|---|
Adair | $1,138 | $866 | $1,197 | $988 | $1,050 |
Allen | $1,146 | $958 | $1,097 | $1,099 | $1,154 |
Anderson | $1,130 | $868 | $1,083 | $997 | $1,056 |
Ballard | $1,305 | $1,115 | $1,250 | $1,332 | $1,407 |
Barren | $1,059 | $804 | $1,059 | $935 | $962 |
Bath | $1,015 | $774 | $1,070 | $881 | $937 |
Bell | $1,206 | $917 | $1,275 | $1,069 | $1,089 |
Boone | $1,018 | $883 | $979 | $1,039 | $1,082 |
Bourbon | $1,114 | $826 | $1,092 | $965 | $1,016 |
Boyd | $1,021 | $776 | $1,074 | $897 | $932 |
Boyle | $1,019 | $766 | $1,083 | $895 | $929 |
Bracken | $1,466 | $1,118 | $1,465 | $1,258 | $1,371 |
Breathitt | $1,527 | $1,162 | $1,605 | $1,338 | $1,379 |
Breckinridge | $1,239 | $949 | $1,298 | $1,061 | $1,158 |
Bullitt | $1,122 | $951 | $1,073 | $1,115 | $1,127 |
Butler | $1,324 | $1,018 | $1,370 | $1,145 | $1,230 |
Caldwell | $1,368 | $1,059 | $1,399 | $1,168 | $1,290 |
Calloway | $1,193 | $911 | $1,220 | $1,032 | $1,106 |
Campbell | $983 | $828 | $945 | $962 | $1,007 |
Carlisle | $1,334 | $1,063 | $1,277 | $1,192 | $1,288 |
Carroll | $1,354 | $1,031 | $1,420 | $1,167 | $1,257 |
Carter | $1,213 | $928 | $1,247 | $1,041 | $1,129 |
Casey | $1,266 | $1,031 | $1,214 | $1,181 | $1,266 |
Christian | $1,077 | $823 | $1,135 | $942 | $991 |
Clark | $1,075 | $804 | $1,066 | $948 | $970 |
Clay | $1,683 | $1,279 | $1,771 | $1,480 | $1,525 |
Clinton | $1,049 | $798 | $1,107 | $912 | $966 |
Crittenden | $1,411 | $1,102 | $1,461 | $1,214 | $1,327 |
Cumberland | $1,139 | $869 | $1,199 | $987 | $1,054 |
Daviess | $976 | $809 | $937 | $937 | $979 |
Edmonson | $1,416 | $1,077 | $1,357 | $1,227 | $1,306 |
Elliott | $1,367 | $1,163 | $1,306 | $1,334 | $1,475 |
Estill | $1,193 | $953 | $1,141 | $1,100 | $1,165 |
Fayette | $946 | $809 | $911 | $957 | $974 |
Fleming | $993 | $748 | $1,051 | $854 | $917 |
Floyd | $1,223 | $936 | $1,286 | $1,080 | $1,107 |
Franklin | $967 | $732 | $1,021 | $844 | $885 |
Fulton | $1,420 | $1,088 | $1,386 | $1,211 | $1,333 |
Gallatin | $1,585 | $1,184 | $1,533 | $1,351 | $1,469 |
Garrard | $1,100 | $845 | $1,054 | $986 | $1,022 |
Grant | $1,509 | $1,191 | $1,444 | $1,368 | $1,477 |
Graves | $1,180 | $904 | $1,236 | $1,020 | $1,098 |
Grayson | $1,436 | $1,185 | $1,368 | $1,345 | $1,452 |
Green | $1,355 | $1,034 | $1,422 | $1,168 | $1,257 |
Greenup | $1,132 | $878 | $1,084 | $1,006 | $1,061 |
Hancock | $1,242 | $946 | $1,288 | $1,072 | $1,153 |
Hardin | $1,052 | $905 | $1,008 | $1,056 | $1,086 |
Harlan | $1,205 | $920 | $1,271 | $1,071 | $1,086 |
Harrison | $1,032 | $777 | $1,091 | $894 | $949 |
Hart | $1,278 | $968 | $1,326 | $1,101 | $1,183 |
Henderson | $1,073 | $813 | $1,134 | $935 | $984 |
Henry | $1,170 | $889 | $1,202 | $1,006 | $1,088 |
Hickman | $1,341 | $1,048 | $1,259 | $1,162 | $1,269 |
Hopkins | $1,135 | $870 | $1,188 | $977 | $1,058 |
Jackson | $1,370 | $1,028 | $1,450 | $1,179 | $1,260 |
Jefferson | $1,019 | $846 | $980 | $1,002 | $997 |
Jessamine | $932 | $703 | $991 | $825 | $843 |
Johnson | $1,107 | $843 | $1,168 | $978 | $1,000 |
Kenton | $1,016 | $884 | $977 | $1,037 | $1,086 |
Knott | $1,401 | $1,065 | $1,475 | $1,220 | $1,278 |
Knox | $1,368 | $1,193 | $1,303 | $1,411 | $1,459 |
Larue | $1,222 | $932 | $1,283 | $1,065 | $1,123 |
Laurel | $1,332 | $1,021 | $1,269 | $1,198 | $1,203 |
Lawrence | $1,382 | $1,049 | $1,453 | $1,189 | $1,276 |
Lee | $1,164 | $881 | $1,228 | $1,009 | $1,066 |
Leslie | $1,668 | $1,253 | $1,749 | $1,446 | $1,517 |
Letcher | $1,312 | $990 | $1,388 | $1,149 | $1,189 |
Lewis | $1,003 | $764 | $1,055 | $863 | $933 |
Lincoln | $1,121 | $844 | $1,178 | $982 | $1,018 |
Livingston | $1,476 | $1,140 | $1,496 | $1,269 | $1,382 |
Logan | $926 | $709 | $973 | $812 | $850 |
Lyon | $1,249 | $965 | $1,302 | $1,071 | $1,171 |
Madison | $898 | $675 | $954 | $789 | $814 |
Magoffin | $1,618 | $1,237 | $1,636 | $1,432 | $1,464 |
Marion | $1,311 | $1,125 | $1,254 | $1,314 | $1,401 |
Marshall | $1,268 | $969 | $1,226 | $1,102 | $1,173 |
Martin | $1,521 | $1,147 | $1,587 | $1,325 | $1,378 |
Mason | $959 | $724 | $1,014 | $827 | $886 |
McCraken | $1,167 | $887 | $1,154 | $1,021 | $1,068 |
Mccreary | $1,409 | $1,075 | $1,478 | $1,224 | $1,299 |
Mclean | $1,278 | $970 | $1,288 | $1,095 | $1,192 |
Meade | $1,079 | $939 | $1,032 | $1,081 | $1,125 |
Menifee | $1,147 | $870 | $1,144 | $987 | $1,062 |
Mercer | $1,083 | $811 | $1,096 | $945 | $989 |
Metcalfe | $1,133 | $863 | $1,193 | $982 | $1,046 |
Monroe | $1,014 | $766 | $1,073 | $869 | $942 |
Montgomery | $1,101 | $832 | $1,093 | $975 | $995 |
Morgan | $1,328 | $1,107 | $1,247 | $1,240 | $1,366 |
Muhlenberg | $1,321 | $1,017 | $1,346 | $1,144 | $1,227 |
Nelson | $1,287 | $1,031 | $1,231 | $1,187 | $1,240 |
Nicholas | $1,151 | $928 | $1,105 | $1,073 | $1,134 |
Ohio | $1,102 | $837 | $1,158 | $950 | $1,021 |
Oldham | $1,133 | $855 | $1,152 | $991 | $1,036 |
Owen | $1,526 | $1,163 | $1,601 | $1,313 | $1,419 |
Owsley | $1,397 | $1,053 | $1,477 | $1,211 | $1,275 |
Pendleton | $1,447 | $1,088 | $1,479 | $1,244 | $1,339 |
Perry | $1,768 | $1,340 | $1,727 | $1,565 | $1,584 |
Pike | $1,472 | $1,120 | $1,554 | $1,306 | $1,325 |
Powell | $1,178 | $974 | $1,128 | $1,121 | $1,197 |
Pulaski | $1,142 | $860 | $1,209 | $1,002 | $1,038 |
Robertson | $1,183 | $1,026 | $1,135 | $1,181 | $1,268 |
Rockcastle | $1,211 | $1,025 | $1,158 | $1,172 | $1,261 |
Rowan | $1,115 | $848 | $1,175 | $971 | $1,027 |
Russell | $1,045 | $799 | $1,103 | $919 | $957 |
Scott | $1,070 | $868 | $1,026 | $1,014 | $1,058 |
Shelby | $1,160 | $875 | $1,227 | $1,021 | $1,053 |
Simpson | $1,054 | $799 | $1,052 | $925 | $962 |
Spencer | $1,256 | $949 | $1,309 | $1,093 | $1,152 |
Taylor | $1,167 | $886 | $1,231 | $1,021 | $1,069 |
Todd | $1,095 | $846 | $1,063 | $948 | $1,022 |
Trigg | $1,220 | $946 | $1,259 | $1,050 | $1,147 |
Trimble | $1,553 | $1,249 | $1,488 | $1,416 | $1,533 |
Union | $1,176 | $902 | $1,213 | $1,019 | $1,094 |
Warren | $965 | $823 | $924 | $962 | $983 |
Washington | $1,346 | $1,047 | $1,286 | $1,196 | $1,279 |
Wayne | $1,278 | $970 | $1,345 | $1,111 | $1,174 |
Webster | $1,428 | $1,100 | $1,404 | $1,221 | $1,341 |
Whitley | $1,175 | $888 | $1,243 | $1,033 | $1,069 |
Wolfe | $1,264 | $955 | $1,331 | $1,088 | $1,159 |
Woodford | $1,066 | $832 | $1,024 | $970 | $1,017 |
Kentucky Department of Insurance
215 West Main St.
Frankfort, KY 40601
(502) 564-6154
www.insurance.ky.gov/
Get Directions
Kentucky Transportation Cabinet
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
www.transportation.ky.gov
Get Directions
Division of Motor Vehicle Licensing
Kentucky Transportation Cabinet
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
Get Directions