Compare car insurance rates across all 50 states. See average premiums, cheapest and most expensive states, and what factors drive costs in your area.
Kentucky Insurance Guide
Recently updated
Insurance in Kentucky
Find comprehensive insurance information for Kentucky (KY) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Kentucky (KY) |
| Region | Southeast |
| Population | ~4.5M residents |
| Health Marketplace | kynect |
| Insurance Regulator | Kentucky Department of Insurance |
Health Insurance in Kentucky
Kentucky residents can find health coverage through:
- kynect - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Kentucky
Kentucky has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Kentucky
Protect your home with coverage tailored to Kentucky’s specific risks and requirements.
Life Insurance in Kentucky
Find life insurance options available to Kentucky residents to protect your family’s financial future.
How Kentucky Compares
Understanding how Kentucky stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Kentucky | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,645 | $1,935 | -15% (above average) |
| Health Insurance (monthly) | $589 | $477 | +23% (near average) |
| Home Insurance (annual) | $2,034 | $2,377 | -14% (above average) |
| Uninsured Rate | 6.7% | 9.5% | -29% (better than average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Kentucky Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- kynect health coverage (opens in new tab) - Kentucky’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Kentucky address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Kentucky Department of Insurance
- Phone
- 502-564-3630
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Kentucky?
Kentucky requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Kentucky is a choice no-fault state, meaning you can choose between no-fault and traditional liability coverage.
How do I get health insurance in Kentucky?
Kentucky has its own state marketplace, kynect. Open enrollment runs November through January. Kentucky expanded Medicaid under the ACA. Many residents qualify for premium tax credits or Medicaid based on income.
Does Kentucky homeowners insurance cover flood damage?
No, standard homeowners insurance does not cover flood damage. Kentucky has significant flood risk, especially in eastern Kentucky and along the Ohio River. Separate flood insurance through FEMA’s NFIP or private insurers is strongly recommended.
Is tornado damage covered by Kentucky homeowners insurance?
Yes, standard homeowners insurance covers tornado and wind damage in Kentucky. Kentucky experiences tornadoes, particularly in the western part of the state. Ensure adequate coverage limits and understand your wind deductible.
What is the average cost of car insurance in Kentucky?
Kentucky drivers pay approximately $1,500-$1,800 per year for full coverage auto insurance, which is slightly above the national average. Louisville and Lexington metro areas have higher rates than rural areas.
No FAQs match your search. Try different keywords or .
[kentucky] Insurance Types
Compare insurance options available to [kentucky] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Kentucky:
Related Articles (3)
Compare health insurance premiums across all 50 states. See ACA marketplace costs, employer plan averages, and what drives health coverage prices in your area.
Compare homeowners insurance rates across all 50 states. See average premiums, disaster risk impacts, and what drives home insurance costs in your area.