Auto Insurance in Kentucky — Average Cost 2026
Average auto insurance in Kentucky: $1,900/year ($158/month). Kentucky ranks #37 out of 51 states — above the national average.
Average annual
$1,900
Average monthly
$158
National rank
#37
of 51 states
vs national avg
+6.7%
Kentucky vs national average
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Auto insurance in Kentucky
Kentucky sits 7% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Kentucky tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Kentucky drivers hundreds of dollars annually.