Kentucky auto insurance averages - $1,045.66 per year in 2023, ranked #35 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Kentucky sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,045.66 ▲11.5% | $633 |
| 2022 | $937.84 ▲4.0% | $591 |
| 2021 | $901.67 ▼1.8% | $581 |
| 2020 | $918.14 ▼3.1% | $599 |
| 2019 | $947.49 | $618 |
Evidence lead: Five-year movement
Kentucky's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Kentucky's +10.4% change ranks #47 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
Year-by-year shape
Kentucky has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +11.5% from 2022 to 2023; the largest absolute step is +11.5% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
2023 cost position
At $1,045.66, Kentucky ranks #35 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Coverage-component signature
Kentucky's most distinctive 2023 component is collision: $357.54, or 16.2% below the 51-jurisdiction average of $426.80. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Substantial registry context
Kentucky's separate complaint layer covers 53 companies with 7,792 recorded complaints. That is #15 for company breadth and #15 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Kentucky's closest peers in this dataset are Tennessee ($1,049.83) and Arkansas ($1,050.78), both within a few dollars of Kentucky's own $1,045.66.
Note on state comparisons: These averages reflect the mix of coverages purchased in Kentucky, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
