Kentucky Commercial Auto Insurance Profitability (2023)

In 2023, Commercial Auto insurers earned $478.3M in premiums in Kentucky and ran a 69.5% loss ratio — the 18th-highest of 51 states (a mid-range loss ratio for the line).

Source: NAIC 2023 Report on Profitability by Line by State. Loss ratio = incurred losses ÷ premiums earned.

Kentucky loss ratio

69.5%

4.9% below national

Premiums earned

$478.3M

Underwriting profit

-6.4%

Nationally, Commercial Auto ran a 74.4% loss ratio in 2023, so Kentucky is below the national average. See how every state compares on the Commercial Auto market page.

Getting Commercial Auto coverage in Kentucky

See recent Kentucky rate filings on the Kentucky rate page, learn how Commercial Auto works in our Commercial Auto guide, then compare real quotes for your business.

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Data: NAIC 2023 Report on Profitability by Line by State (public). See our data methodology. Figures are industry aggregates, not a quote.