Who Has The Cheapest Motorcycle Insurance Quotes In Kentucky?

There is more to Kentucky than what the state is commonly associated with: horse racing, bourbon whiskey and its bluegrass. Manufacturing is an important part of the Kentucky economy and the state has a number of distinct regions with different landscapes. Whether riders want to explore the winding roads of the east or the rolling hills of the Bluegrass region, Kentucky is a great place to own a bike. To see who has the best motorcycle insurance rates in Kentucky we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 30.9% more than the cheapest in Kentucky.

Cheapest Motorcycle Insurance In Kentucky

We gathered motorcycle insurance quotes for a sample policy and rider from four major carriers with available data in the state of Kentucky. The study showed that Nationwide had the best motorcycle insurance rates of the carriers included in the study, with an average annual rate of $329. The average cost of motorcycle insurance in Kentucky was $515 per year.

A study by ValuePenguin using a sample policy and rider found Nationwide had the best motorcycle insurance rates were the best in Kentucky.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

GEICO's average motorcycle insurance premium for our sample policy and rider was $358 which was only slightly higher than Nationwide's but still well below the Kentucky average of $515. The two companies with quotes that were higher than the Kentucky average were significantly more expensive. The average Dairyland rate was $607 and Progressive's was $768 which was more than 2x the cost of Nationwide's.

Best Motorcycle Insurance Rates In Kentucky: By City

The five places with the best motorcycle insurance rates in Kentucky are all located within the vicinity of Daniel Boone National Forest in eastern Kentucky. None of them are large cities either, which is a trend we’ve seen in other states. The place with the most affordable motorcycle insurance rates in Kentucky was Morehead, where premiums for our sample policy were 11.3% lower than the state average.  

Rank

CityAverage Annual Rate% Difference vs State Average

1

Morehead$457-11.3%

2

Corbin461-10.5%

3

Vanceburg467-9.3%

4

Georgetown470-8.7%

5

Middlesboro470-8.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Morehead, KY

The place with the best motorcycle insurance rates in Kentucky is Morehead. Morehead is a city in northeast Kentucky located with the Daniel Boone National Forest. It has a population of about 6,800 residents and is home to Morehead State University. Among other things, the university has stood out due to the performance of its athletics, given the size of the student population. Motorcycle riders in Morehead, who are likely taking advantage of the roadways in the local national park, had the most affordable in the state. Motorcycle insurance rates in Morehead were 11.3% lower than the Kentucky average.

Corbin, KY

Corbin is just east of Daniel Boone National Park in south Kentucky. It has roughly 7,200 residents but is closely connected to North Corbin. Together, the more urban area has more than 21,000 residents. The railroad propelled the local economy throughout the first half of the 20th century and it continues to be an important factor. Every year the city hosts NIBROC (Corbin spelled backwards), an open-air music festival. Motorcycle insurance rates in Corbin were 10.5% lower than the Kentucky average.

Vanceburg, KY

The city of Vanceburg sits along the Ohio River in northeast Kentucky. It’s home to about 1,500 residents and is the county seat of Lewis County. The county was named after Meriwether Lewis, who was an 18th-century soldier and explorer in America. Motorcycle insurance premiums in Vanceburg were 9.3% lower than the state average.

Georgetown, KY

Georgetown is a city of more than 30,000 residents just north of Lexington, Kentucky. It was renamed in 1790 after George Washington and is home to Georgetown College, a private liberal arts college with roughly 1,300 students. In the past, the university’s facilities hosted the NFL’s Cincinnati Bengals' Summer Training Camp. Motorcycle insurance rates in Georgetown were 8.7% lower than the Kentucky average. 

Middlesboro, KY

Near the border of Kentucky and Tennessee is the city of Millsboro, which has more than 9,900 residents. It is between the Cumberland Mountains and the Kentucky Ridge State Forest, which makes it a great place for those who love the outdoors. The city claims to be the only one in the U.S. that is entirely within, what is believed to be, an enormous meteor crater known as an astrobleme. For those more interested in bikes than objects falling from space, motorcycle insurance premiums in Middlesboro are some of the most affordable in Kentucky. Quotes for our sample policy were 8.6% lower than the state average.

Most Expensive Motorcycle Insurance in Kentucky

The five most expensive places in Kentucky to have a motorcycle insurance policy are scattered across the state, which is something we’ve seen in other state as well. Unlike other states though, none of the most expensive places for motorcycle insurance were the more populous cities in Kentucky, such as Louisville or Lexington. The city with the most expensive rates was Taylorsville, where quotes for our sample driver were 20.8% higher than the state average.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Taylorsville$62220.8%

2

Warsaw62120.6%

3

Russellville60016.5%

4

Paducah58613.8%

5

Hindman57511.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Taylorsville, KY

The place with the most expensive motorcycle insurance rates in Kentucky was Taylorsville. The city in Spencer County has about 1,200 residents and is located at the confluence of Brashears Creek and Salt River. The city was founded on land owned by Richard Taylor, the father of U.S. President Zachary Taylor. Today, the city is known for its rural nature but is only a 40-minute drive from downtown Louisville. Motorcycle insurance rates in Taylorsville were 20.8% higher than the Kentucky average.

Warsaw, KY

Across the Ohio River from Florence, Indiana is the city of Warsaw. It was the birthplace of Richard Yates, a 19th-century politician and governor of Illinois. Today, the city has about 1,600 residents and is between the Kentucky Speedway and Belterra Casino Resort. Motorcycle insurance rates in Warsaw were 20.6% higher than the state average.

Russellville, KY

About 55 miles north of Nashville, Tennessee is the city of Russellville. It has a population of about 7,000 residents and was home to a number of famous individuals, including politicians and professional athletes. Motorcycle insurance rates in Russellville were 16.5% higher than the state average.

Paducah, KY

Paducah is another Kentucky city located on the Ohio River. It’s across from Brookport Illinois and has a population of about 25,000 people. It is halfway between St. Louis, Missouri and Nashville, Tennessee and has a prominent historic district in the town. It also was laid out by William Clark of the infamous Lewis and Clark expedition that explored the western U.S. Motorcycle insurance rates in Paducah were 13.8% higher than the Kentucky average.  

Hindman, KY

With a population of roughly 750 people, Hindman is the least populous of the five most expensive places in Kentucky. It is the seat of Knott County and hosts an annual three-day Gingerbread Festival. Motorcycle insurance rates in Hindman were 11.6% lower than the state average.

Average Motorcycle Insurance Rates In Kentucky: By City

This comparative study of motorcycle insurance premiums in Kentucky was done by gathering and analyzing quotes from five major carriers across 95 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 30.9% more than the cheapest.

ValuePenguin found the average cost of motorcycle insurance in Kentucky using a sample rider and policy from data available from four carriers was $515.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 95 municipalities and census-designated places in the state of Kentucky. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gathering quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs State Average

67

Albany$5333.5%

29

Ashland502-2.5%

77

Barbourville5445.6%

27

Bardstown500-2.9%

44

Bedford511-0.7%

41

Benton510-1.0%

21

Bowling Green495-3.9%

42

Brandenburg511-0.7%

22

Brooksville496-3.6%

10

Burkesville483-6.3%

25

Cadiz498-3.3%

54

Calhoun5221.3%

37

Calvert City505-1.9%

23

Campbellsville496-3.6%

48

Clay City515-0.1%

35

Columbia504-2.2%

2

Corbin461-10.5%

73

Covington5374.3%

12

Cynthiana487-5.4%

81

Danville5527.2%

75

Dawson Springs5435.4%

84

Eddyville5588.4%

30

Elizabethtown503-2.4%

36

Eminence504-2.1%

40

Falmouth510-1.0%

9

Frankfort482-6.3%

49

Franklin5170.4%

4

Georgetown470-8.7%

16

Glasgow490-4.9%

87

Grayson5618.9%

13

Greensburg487-5.3%

88

Harlan5659.7%

78

Harrodsburg5476.2%

80

Hartford5506.9%

56

Hawesville5262.2%

46

Hazard514-0.2%

15

Henderson489-5.1%

91

Hindman57511.6%

8

Hodgenville475-7.8%

79

Hopkinsville5486.5%

14

Horse Cave488-5.2%

69

Irvine5343.7%

64

Jackson5323.2%

52

Jamestown5211.1%

Kentucky Average5150.0%

47

La Center514-0.1%

61

Lagrange5292.8%

70

Lancaster5343.8%

32

Lawrenceburg503-2.3%

39

Lebanon509-1.1%

55

Leitchfield5262.1%

7

Lexington475-7.8%

28

Liberty502-2.6%

17

London491-4.7%

53

Louisa5221.3%

65

Louisville5323.4%

72

Madisonville5374.2%

60

Marion5282.4%

50

Maysville5180.5%

5

Middlesboro470-8.6%

43

Monticello511-0.7%

1

Morehead457-11.3%

66

Morganfield5333.4%

51

Mt Sterling5180.6%

63

Murray5303.0%

18

Nicholasville494-4.1%

90

Owensboro56910.5%

19

Owenton494-4.0%

92

Paducah58613.8%

89

Paintsville56810.4%

11

Pikeville486-5.6%

71

Prestonsburg5374.2%

62

Princeton5292.8%

58

Providence5272.3%

33

Richmond504-2.2%

74

Russell Springs5425.3%

93

Russellville60016.5%

6

Salyersville471-8.6%

68

Scottsville5333.5%

38

Sebree507-1.6%

57

Shelbyville5262.2%

31

Shepherdsville503-2.3%

86

Smithland5608.7%

26

Somerset499-3.1%

45

Springfield513-0.4%

34

Stanford504-2.2%

76

Sturgis5435.5%

95

Taylorsville62220.8%

85

Tompkinsville5608.7%

3

Vanceburg467-9.3%

83

Versailles5568.0%

94

Warsaw62120.6%

82

Whitesburg5537.4%

20

Whitley City495-4.0%

24

Williamstown498-3.3%

59

Winchester5272.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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