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How Much Does Car Insurance Cost for Drivers Requiring a SR22 in Kentucky?

Enter your Kentucky zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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It would sure make life easier if we could just give you the name of the one best car insurance company that has the best car insurance rates in Kentucky. It’s not that simple, unfortunately, as there are a whole bunch of unknown elements such as if you need full coverage or liability-only, your current insurance company, and your financial stability, that all influence how much you pay for auto insurance. The information below will cover some of these criteria and hopefully give you enough understanding to have a good start to your coverage search.

Cost and performance of the vehicle on the policy is probably the most important factor that determines the availability of cheap car insurance for drivers requiring a SR22 in Kentucky. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.

The next lists presents insurance premiums for a selection of the most budget-friendly vehicles to buy coverage for.

Insurance Rates for Popular Cars in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $3,594 $1,797 $300
Ford Focus SES 4-Dr Sedan $3,518 $1,759 $293
Ford Fusion Sport 4-Dr Sedan $3,594 $1,797 $300
Honda Accord EX-L 2-Dr Coupe $3,864 $1,932 $322
Honda Civic GX 4-Dr Sedan $3,734 $1,867 $311
Hyundai Sonata Limited 4-Dr Sedan $3,864 $1,932 $322
Kia Optima SX $3,864 $1,932 $322
Volkswagen Jetta 2.0T 4-Dr Sedan $3,594 $1,797 $300
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Data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in zip code location which can revise prices considerably.

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Insurance Rates for Popular SUVs and Crossovers in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL AWD $3,634 $1,817 $303
Cadillac Escalade Hybrid Platinum 4WD $4,726 $2,363 $394
Chevrolet Suburban LT 2WD $3,416 $1,708 $285
Chevrolet Traverse LT AWD $3,102 $1,551 $259
Ford Escape XLS 4WD $2,850 $1,425 $238
Ford Explorer Eddie Bauer 2WD $3,202 $1,601 $267
GMC Acadia SLT 2WD $3,378 $1,689 $282
Honda CR-V EX-L 2WD $2,888 $1,444 $241
Honda Pilot Touring 4WD $3,416 $1,708 $285
Jeep Grand Cherokee Laredo 4WD $3,378 $1,689 $282
Jeep Patriot Sport 2WD $3,164 $1,582 $264
Lexus RX 350 4WD $4,082 $2,041 $340
Toyota Highlander Sport 4WD $3,416 $1,708 $285
Toyota RAV4 4WD $3,378 $1,689 $282
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Data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can raise or lower price quotes significantly.

Car Insurance Rates for Popular Pickup Trucks in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $3,850 $1,925 $321
Chevrolet Silverado Crew Cab Hybrid 4WD $3,812 $1,906 $318
Dodge Ram Crew Cab SLT 4WD $3,904 $1,952 $325
Ford F-150 XLT Super Cab 2WD $3,202 $1,601 $267
Ford F-250 XL Super Cab Cabela Package 4WD $4,156 $2,078 $346
GMC Canyon SLT Crew Cab 4WD $3,416 $1,708 $285
GMC Sierra 2500HD SLE Extended Cab 4WD $3,594 $1,797 $300
GMC Sierra SLE Regular Cab 4WD $3,594 $1,797 $300
Toyota Tacoma Double Cab 4WD $3,378 $1,689 $282
Toyota Tundra Double Cab 4WD $3,686 $1,843 $307
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Data based on married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Kentucky garaging location which can alter insurance rates considerably.

Finding good, budget insurance is difficult, and deciding which company offers the most affordable car insurance rates for drivers requiring a SR22 takes even more perseverance. Policy prices will be quite a bit pricier than the state average, with the extra cost attributed to the posibility of more claims that goes along with selling insurance for high risk drivers, but competitively-priced insurance should be possible if you find the right company.

Each insurer uses their own method to determine premium rates, so let’s begin by examining the car insurance companies that tend to have lower prices in Kentucky. It’s important that you understand Kentucky car insurance rates are based on many factors that may substantially change the cost of having a policy. Getting older, adding a teenager to your policy, or getting a speeding ticket may generate price changes that can now make some companies affordable when they were higher priced.

Enter your zip code below to view companies that have cheap auto insurance rates.

Kentucky car insurance ranked by cost per year
Rank Company Cost Per Year
1 Cincinnati Insurance $1,115
2 Kentucky Farm Bureau $1,163
3 USAA $1,175
4 Auto-Owners $1,357
5 Grange Mutual $1,561
6 Motorists Mutual $1,569
7 Travelers $1,680
8 State Farm $1,812
9 Westfield $1,814
10 Safe Auto $1,913
11 Electric $2,076
12 Progressive $2,077
13 Nationwide $2,085
14 State Auto $2,166
15 Encompass $2,358
16 GEICO $2,413
17 Safeco $2,791
18 Shelter $3,135
19 MetLife $3,146
20 Liberty Mutual $3,598
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Cincinnati Insurance normally has some of the best car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also make the list of some of the cheapest Kentucky auto insurance companies.

In the rate table above, if you buy coverage from USAA and switched to Cincinnati Insurance, you may realize savings of around $60. Policyholders with Auto-Owners might save as much as $242 a year, and Grange Mutual insureds might reduce prices by as much as $446 a year.

These policy prices are averaged for all drivers and vehicles in Kentucky and and are not calculated with a price surcharge for drivers requiring a SR22. So the auto insurance company that fits your needs best may not even be in the list above. That is why you need to get quotes using your own specific driver and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

When shopping for the cheapest car insurance for high risk drivers, one of the many factors used to establish the policy price is where you keep your vehicle in Kentucky. Cities with more crime and/or more people like Louisville, Jeffersontown, and Ashland tend to pay higher rates, whereas areas that tend to be more rural benefit from lower coverage costs.

The information below displays the most costly cities in Kentucky for drivers requiring a SR22 to purchase car insurance in.

How much does car insurance cost in Kentucky?
Rank City Annual Rate
1 Louisville $2,154
2 Frankfort $1,795
3 Jeffersontown $1,719
4 Saint Matthews $1,711
5 Ashland $1,707
6 Murray $1,597
7 Danville $1,596
8 Radcliff $1,590
9 Paducah $1,583
10 Madisonville $1,552
11 Georgetown $1,551
12 Winchester $1,547
13 Elizabethtown $1,547
14 Hopkinsville $1,538
15 Lexington $1,514
16 Henderson $1,511
17 Nicholasville $1,504
18 Richmond $1,490
19 Covington $1,487
20 Independence $1,480
21 Erlanger $1,463
22 Fort Thomas $1,455
23 Florence $1,441
24 Bowling Green $1,418
25 Owensboro $1,376
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Price information shown is approximated as the specific Kentucky residence address can increase or decrease prices considerably.

Driving violations and accidents

The obvious way to enjoy cheap car insurance for drivers requiring a SR22 in Kentucky is to drive safe and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and at-fault claims increase auto insurance costs for different ages of insureds. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,541. Get two speeding tickets and the average cost rises to $2,034, an increase of $492 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for drivers requiring a SR22 goes up to an average of $2,530. That’s an increase of $989, or $82 per month, just for being a careless driver!

Discount Kentucky insurance

Car insurance for high risk drivers in KentuckyInsurance providers that provide cheap car insurance for drivers requiring a SR22 in Kentucky may additionally offer policy discounts that could potentially reduce rates by as much as 40% or more if you qualify. A list of companies and a selection of discounts are included below.

  • State Farm offers premium reductions for good student, Drive Safe & Save, defensive driving training, good driver, and multiple policy.
  • Farmers Insurance may have discounts that include alternative fuel, youthful driver, homeowner, good student, bundle discounts, and teen driver.
  • GEICO may include discounts for multi-vehicle, air bags, anti-theft, daytime running lights, and anti-lock brakes.
  • American Family may offer discounts for defensive driver, bundled insurance, good student, multi-vehicle, good driver, mySafetyValet, and early bird.
  • Nationwide has discounts for anti-theft, Farm Bureau membership, defensive driving, multi-policy, and good student.
  • Progressive includes discounts for online quote discount, continuous coverage, online signing, multi-policy, good student, and homeowner.

The illustration below compares auto insurance rates with and without some available policy discounts. The price estimates are based on a female driver, two violations and two accidents, Kentucky state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with continuous coverage, paid-in-full, multiple policy, homeowner, paperless filing, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for drivers requiring a SR22 is 29% or $1,112.

Liability only or full coverage

Finding cheap car insurance for drivers requiring a SR22 in Kentucky is important to most vehicle owners, and a good way to buy cheaper insurance is to only pay for liability coverage. The diagram below illustrates the difference between yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no other discounts are factored in.

If averaged for all ages, physical damage insurance costs an additional $1,541 per year over having just liability coverage. Many of you may wonder if paying for full coverage is worth it. There isn’t a steadfast formula of when to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

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