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Kentucky Cheapest Car Insurance and Best Car Insurance Options

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Updated March 19th, 2021

Checked by
Shaun Fyffe
Insurance Author
Reviewed by
Maurice Draine
Former P&C Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed insurance agents reviewed the top car insurance companies in Kentucky and found that Kentucky Farm Bureau has the best state minimum coverage policy rates. State Farm has the best rates for a full coverage policy.

AutoInsureSavings.org looked at over ten major Kentucky auto insurance providers and found the average insurance rate to be $775 for a six-month premium and $1,850 for a full coverage premium.  

Cheapest Car Insurance in Kentucky

Kentucky Cheapest Insurance Coverage - Key Considerations
AutoInsureSavings.orgThe cheapest insurance companies in Kentucky for minimum insurance requirements are Kentucky Farm Bureau, USAA, and Progressive. All three auto insurers provide coverage 27% less expensive than the statewide average rates.
The most affordable insurers for full coverage in Kentucky are State Farm and Kentucky Farm Bureau. State Farm has an average monthly rate of $133, and Farm Bureau's is $137. Both 12% lower than the $154 average Kentucky rate.
The best-rated insurers in Kentucky based on the National Association of Insurance Commissioners (NAIC) complaint index, and A.M. Best's ratings are Auto-Owners, Kentucky Farm Bureau, and Shelter.
The average annual car insurance rate for Kentucky drivers is $86 monthly or $1,040 per year for minimum liability coverage and $154 per month or $1,850 annually for full coverage.

Cheapest Car Insurance in Kentucky for Minimum Coverage

If you want to save money and buy the cheapest minimum coverage in Kentucky, Kentucky Farm Bureau is the best option.

Least expensive insurance options in Kentucky from Farm Bureau, USAA, Progressive, Allstate, and Nationwide.Our sample rates for a 30-year-old driver paid $611 annually, 42% less expensive than the state’s average premium. Progressive and GEICO are cheap choices (27% lower), providing equal coverage limits with our sample Kentucky car insurance companies.

Insurance CompanyAverage annual rate
Kentucky Farm Bureau$611
USAA*$630
Progressive$764
GEICO$781
Allstate$813
Nationwide$890
Average$1,040

*USAA is only available to military members, their spouses, and direct family members.

Make sure to compare equal liability coverage levels. Your results may vary when you get quotes.

If you are a driver in Kentucky looking for the cheapest car insurance by zip code, you can buy a state minimum bodily injury and property damage policy. Still, our experts recommend getting higher liability insurance to make sure you are protected against bodily injury or property damage to others if you are at fault in a car crash.

Our licensed experts recommend that you always compare quotes from at least three different providers, if not more, so you may be able to get the best price and best coverage.

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What is the Cheapest Car Insurance Company for Full Coverage in Kentucky?

Through our comparison shopping study, the cheapest insurers providing the best full coverage auto insurance policy for Kentucky drivers are State Farm and Kentucky Farm Bureau.

State Farm provides average rates at $1,593 annually or $133 per month.  Farm Bureau provides quotes at $1,655 per year, which is 11% cheaper than the average premium of $1,850.

Insurance CompanyAnnual costMonthly cost
State Farm$1,593$133
Kentucky Farm Bureau$1,655$137
Progressive$1,953$162
Average$1,850$154

Make to sure compare equal coverage levels. Your results may vary when you get quotes.

Here is the average annual cost for full coverage auto insurance in Kentucky for 20-year-old drivers from some top providers:

Insurance CompanyAnnual cost for 20-year-oldMonthly cost
GEICO$2,988$249
Kentucky Farm Bureau$3,310$275
Grange$3,589$299
Average$4,291$357

For 40-year-old drivers, the annual rates are quite different, and the companies’ order from the most affordable to most expensive is also quite different from the results for 20-year-old drivers.

Insurance CompanyAnnual cost for 40-year-oldMonthly cost
State Farm$1,389$115
Kentucky Farm Bureau$1,422$119
Grange$1,570$130
Average$1,588$132

According to the Insurance Information Institute (III.org), a driver’s age significantly differs in the annual premium cost. For 20-year-old drivers, GEICO’s cheapest rate is $2,988, while for 40-year-olds, the highest rates from Grange Insurance are still less expensive, at $1,570 per year.

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What is the Cheapest Car Insurance for Good Drivers?

Drivers in Kentucky who have good driving records with no violations typically have lower premium costs than those with a long history of speeding tickets, accidents, or DUI offenses.

Many good drivers will often save as much as 16% on their total premium costs, which is right under the national average at 17%. Along with enjoying a more affordable premium, these drivers may qualify for safe driver bonuses or discounts through their insurer.

Rating Factor$ Savings% Savings
No Traffic Tickets$40616.45%
No Accidents$1,10434.88%
Good Credit$2,49854.80%

Credit: TheZebra.com

On average, drivers who have no traffic tickets on their records save may be able to save around $406 annually on their premium.

Those who have had no accidents with good driving records may be able to save $1,104 a year, and those who have a good credit score can save around $2,498 annually with an insurance provider.

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Cheapest Car Insurance for Drivers with an Accident?

There is a significant difference between the rates for drivers with no accidents on their history and drivers who have had just one at-fault accident. Your rates can jump by over 50% with one at-fault accident.  

State Farm offers the cheapest car insurance for Kentucky drivers, with one at-fault accident providing coverage 188% less expensive than the average rate. 

InsurerAnnual costMonthly cost
State Farm$1,933$161
Kentucky Farm Bureau$2,230$185
GEICO$2,670$222
Liberty Mutual$2,941$245
Kentucky average$3,644$303

For example, the difference between two 30-year-old drivers with State Farm Insurance, one with good driving history and one with a single accident on their record, is $342 annually. It pays to stay safe on the road in more ways than one.

Cheapest Car Insurance for Drivers with a Speeding Ticket?

Drivers who have one or more speeding tickets on their record are likely to see much higher costs with their insurance rates.

Based on research, drivers in Kentucky had their rates go up 48% after one traffic violation. But some auto insurance companies do not charge drivers with a speeding violation as much as others.

Our comparison study found that Kentucky Farm Bureau provides the cheapest insurance quotes after a speeding violation. Offering coverage 52% less expensive than the average rate.

An excellent second option is State Farm, offering quotes at $1,788 or $149 per month after a speeding ticket violation. 

Here are some sample rates for drivers with a speeding ticket from top insurance providers:

InsurerAnnual costMonthly cost
Kentucky Farm Bureau$1,711$142
State Farm$1,788$149
Allstate$2,433$202
Nationwide$2,609$217
Average$3,541$295

How Does a Ticket Affect Your Car Insurance Rates in Kentucky?

As you can see in the rate comparisons we have already mentioned, the difference between a driver with a perfect driving history and one who has had an accident or other violations is substantial.

Drivers who have no violations or a driver’s license suspension on their record can save as much as a thousand dollars or more on their annual premium.

If you are involved in an accident in Kentucky and found at-fault, you can expect your auto insurance rates to rise.

The mean auto insurance rate in the state after an at-fault crash is $3,291. The U.S. average is only $2,012. Drivers involved in a severe car crash such as a collision where they are found at-fault will have the incident stay on their records for as long as three years. And possibly have their driving privileges revoked.

ViolationAnnual Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,95155%$1,053
DUI$2,84050%$942
Reckless Driving$2,86851%$969
Driving with a Suspended License$2,69242%$794
At-Fault Accident$2,94055%$1,042
Passing a School Bus$2,28520%$386
Improper Passing$2,30021%$402
Following Too Closely$2,30021%$402
Speeding$2,31522%$416
Failure to Stop at a Red Light$2,30021%$402
Illegal Turn$2,30021%$402
Failure to Yield$2,30021%$402
Distracted Driving$2,24918%$350
Driving with Expired Registration$2,0789%$179
Not-at-Fault Accident$2,09610%$197
Failure to Wear a Seat Belt$1,9473%$48

In Kentucky, the average annual rate for a driver with an at-fault accident is $3,291, the average rate for drivers with no at-fault accidents is $2,050. That is an increase of $1,241. The national average rate increase for drivers with an at-fault accident is only $615.

According to research, drivers can get the best rates from the Kentucky Farm Bureau. Their average rate increase following an accident is $1,880 annually. That means their average premium is 57% less than the average amount among Kentucky insurance companies.

If you have been involved in an accident and are looking for better car insurance options, keep in mind that SAFECO and Safe Auto typically charge more.

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Cheapest Car Insurance for Drivers with a DUI

Motorists with one DUI in Kentucky can find the cheapest rates with State Farm, which is $2,177 per year. That’s $383 cheaper than the next-cheapest insurance company, Progressive. And 48% less than the average rate AutoInsureSavings.org’s licensed agents saw statewide.

InsurerAnnual costMonthly cost
State Farm$2,177$181
Progressive$2,560$213
Kentucky Farm Bureau$2,718$226
Kentucky average$4,108$342

A driving while intoxicated conviction can double your auto insurance rates. In some instances, you get revoked driving privileges or need an SR-22 form. If you are in this situation, taking a defensive driver course can help lower your rates.

Cheapest Car Insurance for Drivers with Poor Credit

According to statistics, drivers with poor credit are more likely to file a claim than those with good credit. As a result, you will pay more for insurance coverage with poor credit than those with a high credit score.

InsurerAnnual costMonthly cost
GEICO$1,994$166
State Farm$2,231$185
Kentucky Farm Bureau$2,892$241
Kentucky average$2,943$226

AutoInsureSavings.org licensed insurance agents found the cheapest company for Kentucky drivers with poor credit is GEICO, with an average rate of $1,994 annually. They are $237 less expensive than other auto insurance providers and 33% lower than the statewide average rate.

Cheapest Car Insurance for Young Drivers

Generally, young drivers are in age groups where they pay more for coverage than their older counterparts because younger drivers are more likely to file claims.

Our licensed agents found the average insurance rate for 18-year-old Kentucky drivers will pay $6,940 for full coverage and $3,881 for state minimum coverage. 

Teen drivers can reduce their rates by choosing Kentucky Farm Bureau at an insurance rate of $3,641 per year. 

InsurerFull coverageMinimum coverage
Kentucky Farm Bureau$3,641$1,790
GEICO$3,977$2,031
Progressive$5,376$2,378
Nationwide$6,620$3,752
Allstate$8,231$4,178
Kentucky average$6,940$3,881

Cheapest Car Insurance for Young Drivers with One Car Accident

Teen drivers who have been in a car accident will see much higher rates since; statistically, they are likely to have another accident.

Our insurance agents found State Farm provides the cheapest option for young drivers with a recent at-fault accident with coverage at $5,143 annually. That’s 50% cheaper than other car insurance providers throughout the state.

InsurerAnnual costMonthly cost
State Farm$5,143$428
Kentucky Farm Bureau$5,690$474
GEICO$7,233$603
Kentucky average$10,200$850

It is usually cheaper for young drivers to be added to their parents’ policy or an older relative’s auto insurance policy. It is much less expensive to add teen drivers to a policy than buying their own coverage.

Cheapest Car Insurance for Young Drivers with One Speeding Ticket

For younger drivers in age groups below 25-years-old who have a recent speeding ticket, our agent’s recommendation is Kentucky Farm Bureau. With them, you’ll find a typical rate at $4,387 per year. State Farm is affordable, with an average rate of $4,633.

InsurerAnnual costMonthly cost
Kentucky Farm Bureau$4,387$365
State Farm$4,633$386
GEICO$6,830$569
Kentucky average$8,134$677

Younger drivers trying to lower their insurance quotes should look into a driver training course. If you are in school or college, look into a good student discount or a student-away-from-home discount. Both can provide significant savings. 

Best Auto Insurance Companies in Kentucky

When you are looking for the best car insurance providers for coverage in Kentucky, you want to find companies that have affordable rates and a straightforward claims procedure, as well as high insurance ratings when it comes to customer satisfaction.

Auto-Owners tops the list with J.D. Power Claims Satisfaction Study, National Association of Insurance Commissioners (NAIC) low complaint index, and A++ with AM Best.

Kentucky Farm Bureau and Shelter, though not rated by J.D. Power, are two insurers with excellent customer reviews and a low amount of complaints based on market share. 

CompanyNAIC Complaint IndexJ.D. Power ratingAM Best
Auto-Owners0.42890A++
Kentucky Farm Bureau0.50n/aA
Shelter0.51n/aA
State Farm0.66881A++
Travelers0.65861A++
Progressive0.67856A+
USAA0.68890A++
Allstate0.71876A+
Liberty Mutual1.00870A
GEICO1.01871A++

It is highly recommended that all drivers do their research and make sure to compare quotes from at least three companies before deciding. Currently, Kentucky ranks 29th on the country’s cheapest car insurance quotes, meaning their premiums are priced higher than many other states.

The four top auto insurance companies for coverage in Kentucky are USAA, Allstate, State Farm, Kentucky Farm Bureau, and Auto-Owners.

CompanyExtremely satisfied% excellent customer service
USAA68%62%
Allstate64%47%
Auto-Owners62%46%
State Farm59%46%
GEICO56%42%
Progressive51%34%
Kentucky Farm Bureaun/an/a
Sheltern/an/a

Customers chose these companies as the top four based on their price, review and financial strength, and overall customer satisfaction.

Here are a few rate comparisons for these four companies for you to consider.

Best Car Insurance CompaniesFull coverageMinimum coverage
USAA$1,700$630
Allstate$1,890$813
State Farm$1,593$799
Kentucky Farm Bureau$1,655$611
Auto-Owners$1,611$794

Average Car Insurance Quotes by City in Kentucky

The average cost of car insurance in Kentucky is $1,850 for a full coverage policy and $775 for a minimum coverage policy. But car insurance can vary based on where you live and the type of motor vehicles driven.

Below we compared average annual car insurance premiums for the most populous cities in the state. Depending on zip code, Owensboro is the cheapest city, while Louisville is the most expensive city.

CityAverage Insurance RateCityAverage Insurance Rate
Alexandria$1,980La Grange$1,893
Audubon Park$1,893Lakeside Park$2,093
Augusta$2,391Lancaster$2,049
Bardstown$2,093Lawrenceburg$1,893
Barlow$2,411Lebanon$1,915
Bellevue$1,854Leitchfield$1,980
Berea$1,980Lewisburg$1,915
Bowling Green$1,915Lexington$2,391
Brandenburg$1,893Liberty$1,893
Burkesville$2,049London$2,541
Cadiz$2,093Louisville$2,681
Calvert City$1,980Ludlow$1,893
Campbellsville$1,893Lyndon$1,980
Carrollton$2,049Madisonville$2,093
Cave City$1,915Marion$1,893
Central City$2,370Mayfield$2,391
Clay City$2,093Maysville$1,915
Cold Spring$1,893Middlesboro$2,049
Columbia$1,980Middletown$1,915
Corbin$1,915Monticello$1,893
Covington$1,893Morehead$2,399
Crescent Springs$1,980Morganfield$2,410
Crestview Hills$2,049Morgantown$1,915
Crestwood$1,980Mount Sterling$1,893
Crittenden$2,391Mount Vernon$2,093
Cumberland$2,032Mount Washington$1,854
Cynthiana$2,399Murray$1,980
Danville$1,854Newport$2,032
Dawson Springs$1,915Nicholasville$2,370
Dayton$2,093Nortonville$2,399
Douglass Hills$1,980Oak Grove$1,915
Dry Ridge$2,032Owensboro$2,093
Earlington$1,854Owingsville$1,980
Eddyville$1,915Paducah$2,399
Edgewood$2,093Paintsville$1,915
Elizabethtown$1,980Paris$2,049
Elkton$2,032Park Hills$2,370
Elsmere$2,202Pikeville$1,980
Eminence$2,049Pioneer Village$2,032
Erlanger$1,980Prestonsburg$2,049
Falmouth$2,032Princeton$2,033
Flatwoods$2,400Prospect$1,980
Flemingsburg$1,980Providence$2,032
Florence$2,370Raceland$2,049
Fort Mitchell$2,032Radcliff$1,854
Fort Thomas$2,370Richmond$2,093
Fort Wright$1,854Russell$1,830
Frankfort$2,032Russellville$2,370
Franklin$2,049St. Mary$2,032
Fulton$2,338St. Matthews$2,049
Georgetown$2,032Scottsville$1,854
Glasgow$2,049Shelbyville$1,844
Grayson$2,093Shepherdsville$2,049
Greensburg$2,401Shively$2,338
Greenup$1,854Silver Grove$1,893
Greenville$2,032Simpsonville$2,311
Guthrie$1,893Somerset$1,854
Hardinsburg$1,854Southgate$2,032
Harlan$2,311Springfield$1,854
Harrodsburg$2,049Sturgis$2,093
Hartford$1,854Taylor Mill$1,893
Hazard$2,338Tompkinsville$2,049
Henderson$1,893Union$2,286
Hickman$2,032Villa Hills$2,093
Highland Heights$2,049Vine Grove$1,893
Hillview$2,311Walton$1,893
Hodgenville$2,286West Liberty$2,032
Hopkinsville$2,093Whitesburg$1,854
Horse Cave$2,032Wilder$2,186
Hurstbourne$1,854Williamsburg$2,049
Hurstbourne Acres$1,893Williamstown$1,854
Independence$2,049Wilmore$2,093
Irvine$2,032Winchester$1,893
Jeffersontown$1,854Windy Hills$2,032
Jenkins$2,286Worthington$1,854
Junction City$2,032Worthington Hills$2,049

Cheapest Car Insurance in Louisville, KY

During the AutoInsureSavings.org car insurance quotes study, we found Farm Bureau, The Cincinnati, and Auto-Owners to be the cheapest auto insurance companies in Louisville. Other mentions for affordable rates are Grange and Motorist Mutual.

Louisville CompanyAverage Premium
Kentucky Farm Bureau$1,830
Cincinnati Insurance$1,955
Auto-Owners$2,246
Louisville average$2,681

Cheapest Car Insurance in Lexington, KY

Depending on coverage limits, Lexington’s most affordable rates are with Farm Bureau ($1,729) and State Farm ($1,770). Both auto insurers are 26% cheaper the Lexington’s average rate of $2,391 per year.

Lexington CompanyAverage Premium
Farm Bureau$1,729
State Farm$1,770
Progressive$1,821
Lexington average$2,391

Cheapest Car Insurance in Bowling Green, KY

Our licensed agents recommend getting quotes from GEICO with an average premium of $1,430 annually for Kentucky drivers if you compare car insurance. GEICO’s price is 26% more affordable than the average rate of $1,915 per year.

CompanyAverage Premium
GEICO$1,430
State Farm$1,491
Farm Bureau$1,555
Average$1,915

Cheapest Car Insurance in Covington, KY

Covington’s cheapest auto insurance is with State Farm, which provides quotes at $1,320 per year. Or 31% more affordable than Covington’s average rate of $1,893. Other mentions include Farm Bureau, USAA, and Cincinnati Insurance. All insurance carriers are at least 14% cheaper than the citywide average insurance premium. 

Covington CompanyAverage Premium
State Farm$1,320
Farm Bureau$1,397
USAA$1,411
Covington average$1,893

Cheapest Car Insurance in Richmond, KY

The least expensive insurance coverage in Richmond, KY, is with State Farm. They offer quotes at $1,320 per year for full coverage, which is 27% cheaper than the average Richmond rate at $2,093. Other auto insurers more than 20% lower are Farm Bureau and Progressive, as illustrated below. 

Richmond CompanyAverage Premium
State Farm$1,320
Farm Bureau$1,397
Progressive$1,411
Richmond average$2,093

Cheapest Car Insurance in Florence, KY

Florence’s average rate is $2,370 per year. Kentucky Farm Bureau provides quotes at $1,560 if you are looking for cheaper insurance coverage. Farm Bureau’s rate is 35% lower than Florence’s average. Other insurers offer affordable car insurance at $1,674 annually, or 30% lower than the average rate.

Florence CompanyAverage Premium
Farm Bureau$1,560
State Farm$1,674
Progressive$1,823
Florence average$2,370

Minimum Coverage Requirements for Car Insurance in Kentucky

All states but two require drivers to carry the minimum amount of auto insurance coverage in Kentucky. According to their website, state laws require motorists to have minimum bodily injury and property damage liability coverage, as illustrated.

Kentucky Minimum Liability Insurance
$25,000 in bodily injury liability insurance per person
$50,000 in bodily injury liability insurance per accident
$25,000 in property damage liability insurance per accident
$10,000 in personal injury protection

Kentucky is a no-fault state, so personal injury protection (PIP) is mandatory for motorists. PIP coverage supplements your health insurance by helping with lost wages and medical bills that may result from an auto accident.

Comprehensive and collision insurance is an optional coverage, which is part of a full coverage auto insurance policy. If you have a car loan or lease, you will be required to have comprehensive and collision insurance. If you have a vehicle worth $4,000 or more, our licensed experts recommend getting full coverage.

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Kentucky Car Insurance Frequently Asked Questions

Who has the Cheapest Car Insurance in Kentucky?

After reviewing the rates from several auto insurance companies in Kentucky, we found that the Kentucky Farm Bureau has the best overall rates for those purchasing a minimum coverage policy. Their annual rate for this coverage is $611. State Farm insurance was the most affordable option for drivers who want full coverage insurance. Their average yearly rate came out to $1,593.

Why is Car Insurance so Expensive in Kentucky?

Auto insurance quotes are much higher in Kentucky than other states because they have a higher average of fatalities related to car accidents, with 1.36 deaths per every 100 million miles driven. That is higher than the average national rate, which is 1.1 deaths. Kentucky also has a moderate crime rate in comparison to other states in the country. A higher crime rate means it is more likely that theft or vandalism will occur, which can raise your insurance rates. Insurance is much more affordable in states where crime rates are lower.

Drivers must carry personal injury protection (PIP), another contributor to higher auto insurance in Kentucky.

It is essential to keep in mind that the cost of auto insurance is increasing in Kentucky and throughout the nation. Therefore, it would be in everyone’s best interest to find the best value for their money when purchasing a new car insurance policy.

How Much is Car Insurance per Month in Kentucky?

Car insurance in Kentucky costs around $154 per month on average or around $1,850 annually. That is significantly more than what drivers in other states pay for their monthly auto insurance premiums for their motor vehicles. In Kentucky, you can expect to pay the following for each category of drivers.

Good Drivers: $1,252 annually

New Student Drivers: $9,807 annually

High-risk Drivers: $3,072 annually

State law requires drivers to carry personal injury protection (PIP), which increases statewide rates.

How Does Kentucky Car Insurance Rank with the Other States?

Here are some statistics to understand more about where Kentucky’s car insurance premiums rank with other states. Currently, Michigan has the most expensive car insurance rates in the country, with annual premiums at $2,693 on average. At the same time, Maine has the lowest average car insurance rate, with drivers paying $836 per year.

Kentucky also has higher insurance requirements than many other states, which can impact your overall insurance costs. Along with statewide factors that affect your overall car insurance costs, other personal factors will also affect your premium price.

Some critical factors that can influence your insurance costs include your age, the make and model of your car, and your driving records. If you have any violations such as a driver’s license suspension or DUI offenses on your driving record, your rates can skyrocket.

In Kentucky, your credit score will also impact how much you pay for your premium. Drivers who have no credit or poor credit will usually pay 52% more on average than drivers who have good or perfect credit.

To learn more about the best and cheapest car insurance in Kentucky by Zip Code, contact the auto insurance experts at AutoInsureSavings.org.

Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org collects quotes from the state’s largest car insurance companies for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good or safe driver discount.

AutoInsureSavings.org collects three to five quotes from each insurer via Quadrant Information Services.

Unless stated, our methodology’s operating vehicle is a 2018 Honda Accord with a paperless, safe driver, and anti-theft discounts. The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison.
Maurice Draine

Maurice Draine

Maurice, a former licensed P&C insurance agent with a 4-year degree in journalism. He resides in Minneapolis and has worked as a technical writer for UnitedHealthcare and Wells Fargo, where he created Medicare-related policies and procedures for three years. He is also an editor for AutoInsureSavings.org.

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