If you live in London, expect to pay an average monthly premium of $59 for the state-required minimum liability, which is higher than the national average of $47. In Kentucky overall, the average is $62 monthly.
For full coverage, which is liability plus comprehensive and collision, drivers will pay an average of $196 monthly, higher than the state’s overall average at $177 and much higher than the national average of $148 per month.
Why is car insurance in Kentucky so expensive? For one thing, it’s a no-fault state, typically more expensive than at-fault states. Plus there are numerous uninsured motorists (Kentucky is #17 out of 50 for uninsured drivers), automobile crime and vandalism numbers are higher and there are some high-density areas where accidents are common.