Kentucky State Police say it happened just before 7:00 Saturday night.
37-year-old Starla Garwood was heading north on KY-109 in Dawson Springs when she entered the southbound lane and into the path of 19-year-old Emily Baird's car.
Garwood struck Baird's car head-on and was pronounced dead at the scene.
Baird was taken to Baptist Health in Madisonville and is being treated for her injuries.
Investigators are still looking into the cause of the accident.