Popular QuestionsPopular Questions About Kentucky Car Insurance

How much does Kentucky car insurance cost? $1,341

Kentucky car insurance rates rank slightly higher than the national average, but independent insurance agents can help you find the best rates on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Kentucky, residents pay an average of $1,341 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.

kentucky car insurance cost chart
What does Kentucky car insurance actually do for me?

Even the best Kentucky drivers sometimes find themselves involved in an accident. If you are involved in a collision, here are some ways that your car insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $10,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills –Required/Min $10,000. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."

Every Kentucky driver needs to carry at a minimum a certain level of auto coverage in case of accidents. State law mandates car insurance so that drivers have the funds to pay for damage to someone else's vehicle or cover medical costs after an accident. 

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Kentucky drivers are uninsured: 15.8%

There is a serious problem that all drivers have to think about: Sometimes people drive without any insurance. That means you could be at serious risk if you are hit by a driver who isn't insured. Since Kentucky has a very high uninsured driver rate, you need to make sure you're protected if you get into an accident with one of them.

Uninsured motorist coverage gives you a backup plan, stepping in to pay for car repairs and medical bills if you get into an accident with a driver who doesn't have car insurance.

Which are the best insurance companies in Kentucky?

An independent insurance agent compares multiple companies to find the best policy for your needs.

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InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Mount Sterling23.61.11$1,025$85
Benton220.22$829$69
Central City24.80.09$755$63
Maysville24.80.09$801$67
Bardstown23.20.84$1,551$129
Bellevue211.69$1,313$109
Berea22.20.61$1,498$125
Bowling Green18.71.83$858$72
Brandenburg31.60.68$1,486$124
Louisville24.81.75$2,133$178
Augusta23.20.02$1,203$100
Cadiz17.81.14$1,590$132
Covington22.32.99$1,273$106
Danville161.55$1,267$106
Elizabethtown17.61.34$1,440$120
Erlanger21.50.96$1,227$102
Fisherville25.11.76$1,411$118
Florence19.71.85$1,279$107
Fort Thomas19.40.49$1,238$103
Frankfort15.63.12$1,441$120
Harrodsburg182.14$1,377$115

Mount Sterling, KY Car Insurance

Residents of Mount Sterling pay an average of $85 per month for their auto insurance coverage. Your rate could be higher or lower than the average. It all depends on a variety of factors such as your vehicle’s age, make and model, your age, and your driving record.

Long commutes put you at a higher risk for accidents. In Mount Sterling, driver commute times are shorter than the national average, which is good news. It could help you see lower rates on your insurance.

If you live in a high-crime city, you face a higher risk that your car could be stolen or vandalized. Fortunately, auto theft rates in Mount Sterling are much lower than the national average, which could decrease your cost to add comprehensive coverage to your policy.

Benton, KY Car Insurance

The average monthly cost of auto insurance in Benton is $69. Of course, Benton car insurance rates will vary from one driver to the next. It all depends on your age, your driving record, the type of car you drive, and a variety of other considerations. 

When you spend more time on the road, you are more likely to face a car accident. Benton drivers have shorter commutes than the national average, which could bring down rates in your area.

Cities with high crime rates also tend to have higher car insurance rates. Fortunately, in Benton, auto theft is pretty rare, so this help rates stay on the affordable side.

Central City, KY Car Insurance

Residents of Central City pay an average of $63 per month for their auto insurance policies. Keep in mind, however, that car insurance rates in Central City can vary considerably for each driver. Your rate could be higher or lower, depending on a number of factors such as your age, gender, driving history, and the vehicle you are insuring.

Spending more time on the road means you face a higher risk of being involved in an auto accident. Central City drivers tend to have shorter commutes than the average American, and this can help keep costs affordable for many of this city’s drivers. 

Areas with frequent car thefts tend to have higher insurance rates. Fortunately, Central City has a very low number of auto thefts each year. That could lead to some savings on comprehensive coverage if you add it to your insurance policy. 

Maysville, KY Car Insurance

Insurance rates in Maysville average about $67 per month. Because each rateis calculated individually according to a number of factors, your rate can be significantly higher or lower than this average. Some factors that can influence rates include your age, gender and driving record.

Spending a lot of time commuting on Maysville's busy roads can put you at an increased risk for car accidents. With longer commutes than the national average, many Maysville drivers might see a slight increase in rates. 

Being the victim of a stolen car is always a nightmare, and areas with high auto theft rates tend to have higher insurance costs. Fortunately, auto theft isn't a big problem in Maysville, which should bring down your rates on adding “other than collision” coverage to your insurance policy.

Bardstown, KY Car Insurance

The average monthly cost of auto insurance in Bardstown is $129. Of course, rates can vary greatly from one driver to the next. This is because several factors can influence how much you pay for your policy. Your age, gender, driving record and even the kind of car you drive will play a part in your personal rate.

When you spend a lot of time on the road, you have a higher risk for accidents. That's why long commute times tend to drive up insurance rates. Fortunately, commute times in Bardstown are slightly shorter than the national average. 

If you live in an area that has a high crime rate, you'll face an elevated risk for car theft and vandalism. Fortunately, the auto theft rate in Bardstown is pretty low, which could help keep rates on insurance affordable.

Bellevue, KY Car Insurance

Residents of Bellevue pay an average of $109 per month for their auto insurance coverage. Rates are calculated individually based on a number of factors such as your gender, age and driving record, and the number of accidents that occur on the roads near your home. Your actual monthly cost can therefore be a significantly higher or lower than the average. 

Long commutes put drivers at a higher risk for auto accidents. Bellevue drivers spend less time commuting than the typical national driver, which could help to keep rates affordable for most drivers. 

High crime areas usually have higher car insurance rates, thanks to the elevated risk for auto theft. In Bellevue, theft rates are lower than the national average, which could drive down your cost to add comprehensive coverage to your insurance policy.

Berea, KY Car Insurance

The average monthly cost for auto insurance in Berea is $125. Depending on your car's make and model, your age, your driving record, and several other factors, your actual quoted rate might be considerably higher or a lower than the average.

To put it simply, longer commutes translate to a higher risk for accidents. Berea commuters spend a little less time traveling to and from work than most people in America, and this helps keep rates down for many of this city’s drivers. 

If you live in an area where auto theft is common, car insurance rates are usually higher. The good news is that auto theft is pretty rare in Berea, so you might see some savings on your insurance premium when you add comprehensive coverage.

Brandenburg, KY Car Insurance

Residents of Brandenburg pay an average of $124 per month for their auto insurance. Keep inmind, however, that the cost of premiums can vary greatly from one driver to the next. Insurance companies will calculate your rate using several factors like your vehicle’s age, make and model; your age and driving record, and even your gender and marital status. Therefore, your quoted rate can be much higher or lower than the city’s average.

Naturally, if you spend a lot of time on the road, you're more likely to get into an accident. Brandenburg residents tend to have long commutes, and this can result in increased car insurance rates for many of the drivers in this city. 

If you live in an area that sees a lot of crime, you are more likely to have problems with auto theft and vandalism. Happily, auto theft rates are very low in Brandenburg, and this helps to keep the cost of adding “other than collision” coverage to your policy affordable.