fbpx
Phone: 1-(855) 233-7818

Kentucky Cheapest Auto Insurance by Price & Minimum Coverage plus Helpful Strategies for Savings

Are you currently insured?
Yes No

Here you are going to find the cheapest auto insurance carriers in the state of Kentucky.

Overall the three lowest price insurers are Kentucky Farm Bureau, USAA, and State Farm.

When I queried for quotes by far Farm Bureau was able to beat even USAA. I will go into more details below.

Also, I am going to briefly cover the minimum requirements in the state and importance of knowing about the “no fault” requirements.

If you would like to skip to a specific section of the article then go ahead and use the table of contents down a little and to the right.

Otherwise, I will help you find ways to lower your monthly premium in only a few minutes.

Minimum Liability Car Insurance Coverage in Kentucky

CoverageKentucky Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$50,000 / $100,000
Property Damage$10,000$25,000
Personal Injury Protection* $10,000$10,000
Uninsured Motorist BI (per person / per accident)**$25,000 / $50,000$50,000 / $100,000
Uninsured Motorist PD***Optional$25,000
ComprehesiveOptional$500 deductible
CollisionOptional$500 deductible

*All marked with an * can be declined in writing.

**BI = Bodily Injury

***PD = Property Damage

No Fault Restrictions

Kentucky is a “no-fault” state to help keep the price of insurance costs as low as practical and to minimize court actions that drivers file each year.

Therefore the state of Kentucky has passed a no-fault policy for its residents.

Since the state is no-fault drivers are required to get Personal Injury Protection to covers things like lost wages, funeral and medical expenses and without reference to the driver who is “at-fault”.

Just like other no-fault states there are restrictions to the policy in place with the state of Kentucky throughout Louisville, Lexington, and Covington. 

For example, if the damages from an accident surpass a certain limit the driver who is at-fault could be held responsible for the damages.

Normally, if the costs surpassed $10,000 then the restrictions are lifted and the other driver at-fault can be taken to court.

Lowest prices for a policy for a 25 year old driver.

Under the no-fault system in Kentucky the driver of the automobile and the passengers will register a claim with the auto insurance corporation that insures the vehicle they were driving.

In some instances, the driver will have a difficult time to sue the other driver if they elect to participate in the no-fault system.

The good part is they will not need to wait on the auto insurance company to determine who is at fault before the driver(s) have to pay for their own medical costs. PIP will cover this for them.

Best insurers by price for 30 year old.

Who has the Cheapest Car Insurance in Kentucky?

Below is a table list of insurers in Kentucky from cheapest to the most expensive when I did my queries for quotes.

The cheapest carrier through all age group of drivers is Kentucky Farm Bureau.

Every time I queried for quotes Kentucky Farm Bureau was 20 to 25% lower than the state average premium.

The second cheapest is State Farm which averaged 18 to 25% cheaper than the average policy.

Followed by USAA which averaged 16 to 23% lower than than an average quote.

Below is a list of 18 top carriers and getting a quote from any of them would certainly be worth it to find a lower premium.

Company25 Y/O30 Y/O35 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,433$1,176$867$677$438
USAA$1,507$1,223$1,008$710$509
The Hartford$1,578$1,266$1,116$729$532
Cincinnati Ins.$1,580$1,340$1,143$769$568
Motorists Mutual$1,590$1,400$1,345$803$580
Grange Mutual$1,648$1,511$1,421$855$607
Auto-Owners$1,690$1,587$1,496$890$648
Encompass$1,732$1,602$1,578$954$687
Westfield$1,758$1,688$1,599$1,078$721
Nationwide$1,821$1,703$1,654$1,145$738
Allstate$1,903$1,803$1,678$1,231$759
Safe Auto$1,999$1,926$1,893$1,233$826
Electric$2,055$1,950$1,934$1,367$855
Liberty Mutual$2,099$1,998$1,967$1,511$953
MetLife$2,489$2,311$2,243$1,632$1,065
Shelter$2,789$2,458$2,367$1,703$1,078

Drivers in Kentucky need to maintain a set limit of 25/50/10 the numbers are in thousands of bodily injury and property damage.

Bodily Injury Liability

$25,000 for injuries to one individual in the other vehicle and up to a max of $50,000 for multiple passengers in the other vehicle which are in a car accident.

Best choices by price for 35 y/o driver.

Property Damage Liability

$10,000 for repairs to damaged property including doors, traffic signs and damage for the other vehicle must be acquired to be legal to drive in the state.

Uninsured Motorists (UM)

Kentucky has a high uninsured motorist rate so it would be a good idea to get UM (uninsured motorist) protection on your policy if you are concerned in an auto accident with a driver who does not have insurance.

UM protection is going to cover the costs of damage to your vehicle which was cause by the uninsured motorist.

Kentucky cheapest car insurance prices for 45 y/o driver.

Comprehensive & Collision Coverage

If you have a new or newer model car then you would want to consider comprehensive and collision cover for your vehicle.

On this page you can enter your zip code and get three or more quotes, be sure to compare and pick the rate the fits your budget and has equal or more cover.

If you are unsure of the type of coverage you need then you can have chat with an agent, request they give you call.

If you know exactly what you want then you can purchase insurance online and have proof within ten minutes or so.

Low-cost policy options for 55 y/o driver.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Below is data on all the top carriers in the state of Kentucky by consumer rating, written premiums, and rate change over an 18 month period.

This is information is for you to make a more informed decision.

When considering the amount of complaints please realize the more written premiums the more likely for higher complaints which is normal.

None of the insurers had anything out of the normal.

All customer satisfaction results are from JD Power & Associates and other online consumer data to provide an average.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$122,425,453+1.7%174.3
GEICO$180,517,722+1.8%74.4
USAA$176,785,248+1.6%114.5
Progressive$137,115,979+2.0%94.4
Travelers$211,794,682+2.2%104.4
Safeco$183,993,788+2.4%94.1
Kentucky Farm Bureau Mutual$912,687,513+2.7%84.1
Hartford$112,239,589+2.1%34.2
The Cincinnati$146,993,820 +3.0%34.0
21st Century$115,967,443 +2.7%53.9
Kentucky Employers' Mutual$158,146,286+2.0%173.8
Liberty Mutual$236,617,951 +2.2%64.4
MetLife$99,655,847 +1.9%34.3
Shelter$69,599,337+2.3%34.3
Auto-Owners$119,497,257+1.9%24.4
Amica$37,454,543+2.4%34.2
EMC$30,588,732+2.6%24.3
Zurich$115,645,081+2.8%04.0

Average Premium by City in Kentucky

Below is a table list of most of the major cities with the average premium rate for each.

Since a determining factor for auto insurance is location you will see a pretty big variance in the cost of a premium from city to city.

As always, your best option is to get a quote from the zip code you reside in.

CityAvg. PremiumCityAvg. Premium
Ashland $1,432Jeffersonville$1,400
Benton$1,505Madisonville $1,376
Danville $1,298Murray $1,576
Elkton$1,321Covington$1,426
Falmouth$1,293Fort Mitchell$1,529
Franklin$1,328Lancaster$1,267
Greenville$1,278Paducah$1,363
Henderson $1,398Radcliff $1,247
Hodgenville$1,257Whitesburg$1,285
Independence $1,127Shelbyville$1,474

Louisville, KY

Lowest premiums by insurers for 30 and 55 year old in Louisville.

If you are looking for cheap car insurance in Louisville you will find the lowest quotes with Kentucky Farm Bureau, USAA, and The Cincinnati.

I queried each at $978, $1,087, and $1,123 respectfully for a 30-year-old driver.

KY Farm Bureau is 23% lower than the citywide “mean” premium rate in Louisville.

The other two are 20% lower.

For a 45-year-old driver the cheapest quotes are with Kentucky Farm Bureau, USAA, and The Cincinnati.

Each queried at $655, $712, and $745 respectfully for full coverage.

All are more than 20% lower than the citywide average rate for a 45 year old driver.

For a 55-year old the lowest quotes are with the same three.

Kentucky Farm Bureau, USAA, and Cincinnati Insurance.

Each queried at $443, $548, and $590 respectfully for full coverage.

Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$978$655$443
USAA$1,087$712$548
Cincinnati Ins.$1,123$745$590
State Farm$1,369$873$658
Grange Mutual$1,455$925$712

Lexington, KY

Lexington, KY cheap premium choices for 30 and 55 year old.

To find the cheapest car insurance in Lexington then start with Kentucky Farm Bureau, GEICO, and State Farm.

Each queried at $1,033, $1,087, $1,256 respectfully for a 30-year-old driver.

Farm Bureau is 26% lower than the average premium while GEICO is 23% lower.

State Farm is 17% lower making all three extremely competitive if you are in the market for a less costly premium.

For a 45-year old the best options in Lexington are with KY Farm Bureau, GEICO, and State Farm.

Each queried at $896, $967, $1,145 respectfully for full coverage.

Or more than 21% lower than the citywide “mean” rate.

A 55-year old can find low quotes with the same three carriers.

Kentucky Farm Bureau is the cheapest at $511.

GEICO is $37 more expensive at $538.

And State Farm was queried at $621.

Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,033$896$511
GEICO$1,087$967$538
State Farm$1,256$1,145$621
Grange Mutual$1,428$1,195$755
Allstate$1,538$1,206$821
Motorists Mutual$1,543$1,324$879
 

Bowling Green, KY

Bowling Green inexpensive price comparison by insurer for 30 and 55 y/o.

If you are looking for cheaper auto insurance quotes in Bowling Green then start with Kentucky Farm Bureau, USAA, and State Farm.

I queried each at $1,133, $1,155, $1,266 respectfully for a 30-year-old driver with full coverage.

All three are approximately 14% lower than the citywide “mean” premium.

For a 45-year old the lowest rates are with KY Farm Bureau, USAA, and State Farm.

Each queried at $912, $967, and $1,089 respectfully for full coverage.

Or approximately 16% lower than the average policyholder.

For a 55-year old we found the quotes clustering between $655 and $955.

KY Farm Bureau is the cheapest at $655 for a full coverage policy.

Followed by USAA and State Farm.

Each queried at $687 and $754 respectfully.

Or 18% lower than the “mean” rate in the city of Bowling Green.

Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,133$912$655
USAA$1,155$967$687
State Farm$1,266$1,089$754
Grange Mutual $1,367$1,132$769
GEICO$1,467$1,240$821
Motorist Mutual$1,732$1,505$965

Owensboro, KY

Owensboro cheap auto insurance choices for 30 and 55 year old.

If you are in the Owensboro market for a lower premium then start by getting quotes from KY Farm Bureau, USAA, and State Farm.

Each queried at $1,098, $1,121, $1,176 respectfully for a 30-year-old driver.

All three are from 19 to 21% lower than the citywide average premium.

A 45-year old can find the best choices with KY Farm Bureau, USAA, and State Farm.

Each queried at $712, $789, and $890 respectfully for full coverage.

Farm Bureau is 23% lower than the “mean” quote in Owensboro making them cheapest and best option.

A 55-year old can get the cheapest car insurance from KY Farm Bureau, USAA, and State Farm.

Each queried at $621, $650, and $676 respectfully for full coverage.

Throughout all age ranges Farm Bureau was able to provide the lowest quote for drivers with the same profile.

Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,098$712$621
USAA$1,121$789$650
State Farm$1,176$890$676
Grange Mutual$1,265$899$723
GEICO$1,342$1,045$745
Motorists Mutual$1,390$1,167$829
Auto-Owners$1,467$1,364$890

Richmond

Richmond, KY low-cost policy options for 30 and 55 year old driver.

The cheapest auto insurance quotes in Richmond can found with Kentucky Farm Bureau, The Cincinnati, and USAA.

Each queried at $1,155, $1,190, and $1,321 respectfully for a 30-year-old driver.

Farm Bureau and The Cincinnati are 14% lower than the citywide “mean” rate. While USAA is 10% lower.

For a 45-year old the best choices are with Farm Bureau, The Cincinnati, and USAA.

Each queried at $890, $972, and $1,007 respectfully for full coverage.

Farm Bureau is 16% lower than the average premium while The Cincinnati and USAA are 13% lower.

For a 55-year old in Richmond I found the quotes clustering between $644 and $821.

The cheapest car insurance is with KY Farm Bureau at $644.

Followed by The Cincinnati at $687, then USAA at $712.

Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,155$890$644
Cincinnati Ins.$1,190$972$687
USAA$1,321$1,007$712
GEICO$1,487$1,234$743
Grange Mutual$1,588$1,278$821

Hopkinsville

Hopkinsville lowest premium prices by carrier.Drivers which aren’t getting the lowest premium in Hopkinsville probably aren’t getting a premium from the carriers I queried.

If you want the lowest rates then start with The Cincinnati, Kentucky Farm Bureau, and USAA.

I queried each at $1,087, $1,126, and $1,187 respectfully for a 30-year-old driver.

Which is 15 to 19% lower than the citywide premium quote.

A 45-year old can find the lowest quotes with The Cincinnati.

I queried them at $782 per year for full coverage.

Or approximately 20% lower than the “mean” quote.

A 55-year old can get the lowest premium with The Cincinnati, KY Farm Bureau, and USAA.

I queried them at $512, $542, and $576.

All the insurers clustered between $512 and $628 making all of them good prospects for a quote.

Although there is a significant variance between the highest and lowest as illustrated in the table and chart.

Hopkinsville Company30 Y/O45 Y/O55 Y/O
Cincinnati Ins.$1,087$782$512
Kentucky Farm Bureau$1,126$800$542
USAA$1,187$825$576
Motorists Mutual$1,256$876$589
Grange Mutual$1,385$953$628

Georgetown

Georgetown low-cost policy options for 30 to 55 y/o drivers.To get affordable car insurance in Georgetown start with KY Farm Bureau, The Cincinnati, and USAA.

I queried each at $1,043, $1,080, and $1,135 per year for a 30-year-old driver.

Which is 16 to 20% lower than the “mean” quote in the city.

All insurers clustered between $1,043 and $1,276 with a variance of $233.

Which is a 23% difference between the lowest and highest illustrated.

A 45-year old can get the cheapest quotes with KY Farm Bureau with a quote at $745.

Which is 19% lower than the average premium rate in Georgetown.

In fact, any of the insurers illustrated would worth getting quotes from for the most savings.

A 55-year old can find inexpensive rates with KY Farm Bureau, The Cincinnati, and USAA.

I queried each at $538, $540, and $559.

All three are 17 to 18% lower than the average policyholder in Georgetown.

Georgetown Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,043$745$538
Cincinnati Ins.$1,080$787$540
USAA$1,135$843$559
Motorists Mutual$1,200$887$590
Grange Mutual$1,276$909$628

Elizabethtown

Elizabethtown inexpensive premium choices by insurer.

If you want affordable auto insurance in Elizabethtown start with Motorists Mutual, KY Farm Bureau, and The Cincinnati.

I queried each at $1,030, $1,080, and $1,120 for a 30-year-old driver.

Which is approximately 17 to 20% lower than the average premium.

USAA are Grange are worth getting quotes from despite Grange being $196 higher with a quote at $1,226.

A 45-year old can get low quotes with Motorists Mutual.

I queried them at $744 per year for full coverage.

Or 21% lower than the citywide average policyholder.

A 55-year old can get the lowest premium with Motorists Mutual, KY Farm Bureau, and The Cincinnati.

Each queried at $528, $549, and $590 per year. Or approximately 20% lower than the average rate.

And there is variance of $100 among the lowest (Motorists Mutual) and the highest (Grange).

Elizabethtown Company30 Y/O45 Y/O55 Y/O
Motorists Mutual$1,030$744$528
Kentucky Farm Bureau$1,080$769$549
Cincinnati Ins.$1,120$790$590
USAA$1,159$827$610
Grange Mutual$1,226$875$628

Nicholasville

Nicholasville, KY cheapest quotes by price for 30 to 55 y/o drivers.

Drivers in Nicholasville can get cheap quotes with Motorists Mutual, KY Farm Bureau, and The Cincinnati.

I queried each at $989, $1,058, and $1,100 for a 30-year-old driver.

In this instance, Motorist Mutual is the best with quotes $111 lower than The Cincinnati.

For a 45 or 55 year old driver in Nicholasville it would be the best to get quotes from Motorists Mutual and Kentucky Farm Bureau.

For all age drivers Motorist Mutual is 21% lower than the “mean” quote within the city.

Nicholasville Company30 Y/O45 Y/O55 Y/O
Motorists Mutual$989$702$504
Kentucky Farm Bureau$1,058$748$556
Cincinnati Ins.$1,100$780$587
USAA$1,185$845$625
Grange Mutual$1,224$880$630

Frankfort

Frankfort, KY cheapest premium choices by price for drivers.

Frankfort drivers can get the cheapest rates with KY Farm Bureau, The Cincinnati, and Motorists Mutual.

I queried each at $1,080, $1,143, and $1,190 for a 30-year-old driver.

Or 15% to 18% lower than the citywide premium.

A 45-year old should start with KY Farm Bureau since I queried them at $735 per year for full coverage.

And a 55-year-old driver could get quotes from all carriers illustrated since the variance is $118.

Kentucky Farm Bureau is the lowest at $538 while Grange is the highest at $656.

Frankfort Company30 Y/O45 Y/O55 Y/O
Kentucky Farm Bureau$1,080$735$538
Cincinnati Ins.$1,143$765$568
Motorists Mutual$1,190$790$598
USAA$1,235$836$630
Grange Mutual$1,276$876$656

Frequently Asked Questions

Who has the cheapest car insurance in Kentucky?

This will depend on your driver profile such as your age, driving record and the type of vehicle you drive.

If you have a clean record the least expensive auto insurance companies in Kentucky are Kentucky Farm Bureau, USAA and The Cincinnati.

Other good options are Motorist Mutual, Grange and Westfield.

What is the average cost of a premium in Kentucky?

The average 30-year-old driver with a clean record will pay approximately $180 per month for full coverage.

The same driver would pay approximately $65 to $100 a month for liability only.

How do I get the best deal on a car insurance premium in Kentucky?

The best way to keep your premiums low is to maintain a clean driving record and don’t let your coverage lapse.

Also, don’t assume you are getting the cheapest premium from an insurer.

Be sure to get quotes from regional and local insurers too. 

If you are shopping for a new policy, be sure to compare multiple quotes with the same coverage. 

Motor Vehicle & Insurance Resources

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
215 West Main St.
Frankfort, KY 40601
(502) 564-6154
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
WebsiteWebsiteWebsite

Sources

https://www.kyfb.com/

NerdWallet.com

https://www.allstate.com/auto-insurance/kentucky-auto-insurance-coverages.aspx

https://www.thehartford.com/car-insurance/kentucky

https://www.insurance.com/auto-insurance/cheap-car-insurance.html

https://www.usa.gov/state-consumer/kentucky

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

Comments are closed.