Kentucky Auto Insurance Calculator 2026
Estimate your auto insurance premium in Kentucky (KY). Kentucky rates are 16% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
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Kentucky Auto Insurance Overview
Kentucky drivers pay approximately 16% more than the national average for auto insurance. The state premium factor is 1.16x relative to the national baseline.
Kentucky Minimum Coverage Requirements
Kentucky requires minimum liability coverage of 25/50/25 ($25,000/$50,000 bodily injury, $25,000 property damage).
Kentucky requires Personal Injury Protection (PIP) with a minimum of $10,000.
Note: Choice no-fault state; drivers may reject no-fault and choose tort
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