Car Insurance in Kentucky
- Kentucky Farm Bureau offers the cheapest liability and full coverage auto insurance in KY
- Compare the cheapest car insurance quotes in KY from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Kentucky
Kentucky's average car insurance rate is $1463 every six months — 34% more expensive than than the U.S. average. [1] Kentucky Farm Bureau is an excellent option for drivers in the state, offering cheap rates and quality customer service.
37% of our customers in Kentucky feel they are paying too much for car insurance, and if you feel the same, read on to learn how to save on auto insurance in Kentucky, along with requirements and options in your state.[2]Â
- Kentucky Farm Bureau offers the cheapest liability rates in the state, with a six-month policy costing $221.
- Read about the rest of the top and best companies in Kentucky ↓
- Kentucky Farm Bureau also offers the cheapest rates for full coverage: $547 for a six-month policy or $91 per month.
- See the other cheapest full coverage insurance companies and best discounts in Kentucky ↓
- Kentucky Farm Bureau received an above-average score of 857 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study for the Southeast region.[3]
- Read about the rest of the top and best companies in Kentucky ↓
- The Zebra used third-party reviews from JD Power and AM Best, as well as thousands of customer ratings, to name Kentucky Farm Bureau the best overall company for drivers in Kentucky.
- Read more about why we've ranked Kentucky Farm Bureau as a great fit for Kentucky drivers ↓
Cheap liability insurance in Kentucky
Kentucky Farm Bureau offers the cheapest liability rates in the state, with its average rate at $221 for six months. The state average for liability-only is at $529. Travelers and USAA are also relatively affordable options, but be aware that USAA is only available to military members and their families.Â
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kentucky Farm Bureau | $221 | $37 |
| Travelers | $323 | $54 |
| USAA | $326 | $54 |
| Progressive | $423 | $71 |
| Shelter | $442 | $74 |
| State Farm | $462 | $77 |
| GEICO | $572 | $95 |
| Allstate | $971 | $162 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 53% of Kentucky drivers only insure their vehicles with liability coverage. Kentucky requires drivers to carry a minimum liability limit of 25/50/25, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage per accident.Â
It's worth noting that Kentucky is a no-fault state. This means that when an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own costs. As a bonus, no-fault insurance laws guarantee every driver receives immediate medical treatment in the event of an accident.[5]
Kentucky is one of 12 U.S. states classified as "no-fault." Regardless of who caused an accident, you cover your vehicle's damage in these states. These states generally have slightly different minimum coverage requirements, often including personal injury protection (PIP) to help with medical expenses and lost wages.
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Kentucky Farm Bureau | $227 | $1,026 |
| USAA | $245 | $931 |
| State Farm | $292 | $933 |
| Travelers | $297 | $792 |
| GEICO | $447 | $1,697 |
| Progressive | $461 | $1,236 |
| Shelter | $644 | $696 |
| Allstate | $759 | $2,261 |
Source: The Zebra
Find the best coverage and price in Kentucky with The Zebra.
Cheap full coverage insurance in Kentucky
About 47% of our Kentucky customers opt for full coverage auto insurance, which generally includes comprehensive and collision coverage. This will protect against damages incurred by vehicular crashes, theft, or weather conditions.[2]
In Kentucky, a six-month policy with comprehensive and collision runs about $1463. Kentucky Farm Bureau offers full coverage for significantly less, at $547 for six months. This may seem expensive compared to liability-only, but carrying only the bare minimum can be risky and leave you underinsured if you get into an accident.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kentucky Farm Bureau | $547 | $91 |
| Travelers | $810 | $135 |
| Shelter | $1,018 | $170 |
| USAA | $1,034 | $172 |
| Progressive | $1,343 | $224 |
| State Farm | $1,509 | $252 |
| GEICO | $1,882 | $314 |
| Allstate | $2,692 | $449 |
Source: The Zebra
What are the best car insurance companies in Kentucky?
We named Kentucky Farm Bureau the best car insurance company in Kentucky based on consumer reviews, third-party ratings (JD Power, Trustpilot, and AM Best), and details such as discount information and coverage options. Below are the pros and cons of Kentucky Farm Bureau plus more of the best-rated companies in Kentucky.
Kentucky Farm Bureau is known for its quality service and local agents and is a great option for various insurance products, including auto coverage. KFB ranked among the top companies in the Southeast region on the 2023 Overall Customer Satisfaction ranking from J.D. Power. Customers can feel confident in the company's ability to pay claims based on its financial stability.[3],[4]
Although the Farm Bureau has a membership fee (which varies by county), members receive benefits through the Federation, including discounts on things ranging from new vehicles to travel and restaurant perks.
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Lower-than-average rates
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Variety of products and services
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Great customer service rating
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Membership benefits with Farm Bureau
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Membership fee required
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May lack digital tools compared to larger companies
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Slower claim resolution times have been reported
Best car insurance in Kentucky — honorable mentions
To determine the best companies, we looked at JD Power Auto ratings and consumer reviews we collected from nearly 3000 drivers across Kentucky and the US. Although we chose Kentucky Farm Bureau as our top pick, here are other reliable companies that have earned good scores when it comes to customer satisfaction.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Shelter | $1,018 | $170 |
| USAA | $1,034 | $172 |
| Progressive | $1,343 | $224 |
| State Farm | $1,509 | $252 |
Source: The Zebra
Our unbiased review methodology
How did we pick the company with the "Best Value" in Kentucky?
The author's recommendation for "best value" is based on:
The Zebra's 2024 Customer Satisfaction Survey
J.D. Power's 2023 Regional Customer Satisfaction Study
Each company's average cost of car insurance in Kentucky
Available coverage options
The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare car insurance rates from the best companies in Kentucky.
Kentucky auto insurance quotes after an accident or ticket
Finding affordable car insurance in Kentucky after an accident can be challenging. Insurance companies assess your risk as a customer by reviewing your history of accidents and traffic violations. If you're at fault in an accident, your car insurance could increase by $1,325 per year, depending on the severity of the situation.
Here's a breakdown of what some of the leading insurance providers in Kentucky may charge following an at-fault accident.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kentucky Farm Bureau | $721 | $120 |
| Travelers | $1,098 | $183 |
| Shelter | $1,295 | $216 |
| USAA | $1,546 | $258 |
| State Farm | $1,813 | $302 |
| Progressive | $2,310 | $385 |
| GEICO | $2,519 | $420 |
| Allstate | $3,822 | $637 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Being involved in a car accident is the last thing a driver wants to deal with, but if it happens, then a low-stress insurance experience is ideal. In our 2024 Customer Satisfaction Survey, we received feedback on customer experiences after a claim. In Kentucky, USAA was the best-rated option. If USAA isn't available to you, you might consider Shelter or Allstate if claims satisfaction is your top priority.Â
Auto insurance rates can skyrocket if you have a bad driving record, so one of the most important things you can do is drive safely to keep rates reasonable. Your rates will likely increase if you get a serious ticket or cause an accident. How much they increase depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks.
Source: The Zebra
The Zebra's guide to Kentucky car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can result in more complex insurance consequences. For a detailed understanding, explore the comprehensive guides on Kentucky car insurance laws and regulations below.
Discover more about Kentucky's car insurance requirements with our informative guide.
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| Company | Avg. Annual Premium |
|---|---|
| Travelers | $2,401 |
| Kentucky Farm Bureau | $2,470 |
| Shelter | $2,971 |
| USAA | $3,347 |
| Progressive | $3,426 |
| State Farm | $4,147 |
| GEICO | $5,858 |
| Allstate | $6,435 |
Source: The Zebra
No car insurer, in particular, offers inexpensive DUI car insurance. The recommended way to save after a DUI citation is to shop around. You can compare and buy car insurance online or contact an insurance agent to assess your choices and find a cost-effective policy.
Kentucky SR-22 insurance
Kentucky is one of the few states that does not require an SR-22 form for drivers convicted of a serious driving offense. In many states, such drivers must file an SR-22 with the state's DMV to ensure that coverage is continued. While this is not required in Kentucky, customers can still expect to see much higher insurance rates after being convicted of a serious driving offense.
Find an affordable policy in Kentucky in minutes!
Car insurance in popular Kentucky cities
The price of auto coverage varies based on your location, among many other factors. The cheapest car insurance in a major Kentucky city is Covington, while the priciest is in Louisville.
The table below shows average car insurance costs in some of Kentucky's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Covington | $1,127 | $188 |
| Owensboro | $1,150 | $192 |
| Bowling Green | $1,166 | $194 |
| Lexington | $1,170 | $195 |
| Louisville | $1,577 | $263 |
Source: The Zebra
Find your best value insurance match with The Zebra.
Cheap auto insurance for teens and young drivers in Kentucky
Young drivers between 16 and 25 pay much higher car insurance rates than average. Rates are particularly high for those aged 16 to 19. We found the best affordable option for teens in Kentucky was from Kentucky Farm Bureau, at rates of $270 per month.
The pricey nature of teen car insurance is primarily due to the risk presented by their inexperience behind the wheel. In Kentucky, teen drivers pay exceptionally high rates: $10,085 per year—100 % more than the national average for teen drivers and 244% more than a 30-year-old driver in Kentucky.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kentucky Farm Bureau | $1,619 | $270 |
| Travelers | $2,321 | $387 |
| USAA | $2,343 | $390 |
| Shelter | $2,649 | $442 |
| GEICO | $4,766 | $794 |
| State Farm | $5,140 | $857 |
| Progressive | $6,482 | $1,080 |
| Allstate | $7,743 | $1,291 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kentucky Farm Bureau | $3,298 | $550 |
| Nationwide | $3,429 | $571 |
| USAA | $3,444 | $574 |
| Shelter | $3,595 | $599 |
| GEICO | $4,115 | $686 |
| State Farm | $4,115 | $686 |
| Allstate | $6,501 | $1,084 |
| Progressive | $7,529 | $1,255 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
How have car insurance costs in Kentucky changed?
The average cost of auto insurance in Kentucky has increased by $645 in the past year. A typical Kentucky driver pays an average of $1463 every six months for full coverage auto insurance (or about $244 per month, as of 2024). Liability typically costs less, but fewer Kentucky residents carry liability only.
Like most other states, the trend has been price increases over the past decade, and a few years stood out with average price drops instead of gains (2022 to 2023). After that decrease, however, the price has gone up drastically.
| Year | Avg. Annual Premium — Kentucky | Yearly Change — Kentucky |
|---|---|---|
| 2024 | $2,758 | $645 |
| 2023 | $2,113 | -$454 |
| 2022 | $2,567 | $688 |
| 2021 | $1,879 | $86 |
| 2020 | $1,849 | $79 |
| 2019 | $2,206 | -$361 |
| 2018 | $1,898 | -$16 |
| 2017 | $2,055 | $234 |
| 2016 | $2,073 | -$323 |
| 2015 | $1,849 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Find an affordable policy in Kentucky in minutes!
Kentucky car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Kentucky auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
Kentucky Department of Insurance. No Fault Rejection/Verification (PIP)
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.