Car insurance rates in Kentucky
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Cincinnati Insurance provides the cheapest liability coverage at $25 per month in Kentucky.
- Cincinnati Insurance offers the cheapest rates for full coverage insurance in Kentucky at $73 per month.
- At $151 per month, Fort Thomas is the cheapest city for car insurance in Kentucky.
Read on to learn more about car insurance price trends in Kentucky. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Kentucky
For drivers looking to meet Kentucky minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Kentucky
#1. Cincinnati Insurance: $25
#2. Auto-Owners Insurance Co: $34
#3. Kentucky Farm Bureau: $37
#4. Farm Bureau: $42
#5. Nationwide: $48
Cheap full coverage in Kentucky
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Kentucky
#1. Auto-Owners Insurance Co: $73
#2. Cincinnati Insurance: $80
#3. Kentucky Farm Bureau: $97
#4. Nationwide: $100
#5. Travelers: $121
Impact of traffic violations on Kentucky auto insurance rates
In Kentucky, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Kentucky may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Kentucky after common driving violations.
- No violation: $244
- Not-at-fault accident: $263
- Failure to wear a seat belt: $270
- Speeding 6 - 10 MPH over limit: $297
- Speeding 21 - 25 MPH over limit: $305
- DUI: $453
- Reckless driving: $445
- Driving with a suspended license: $454
- Leaving scene of an accident/hit and run: $461
Car insurance rates across Kentucky's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Kentucky
#1. Fort Thomas: $151
#2. Lexington: $153
#3. Villa Hills: $154
#3. Highland Heights: $154
#3. Lakeside Park: $154
Cities with the most expensive average monthly premium in Kentucky
#1. Goose Rock: $288
#2. Saul: $281
#3. Lookout: $279
#4. Busy: $275
#5. Hoskinston: $274
