Cheap Kentucky Car Insurance

Find affordable auto insurance that works for you in Kentucky. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Kentucky

Across the Bluegrass State, there are 163,988 miles of road just waiting to be driven. Below, The Zebra's experts analyzed average Kentucky car insurance rates for each of the most common rating factors. Read on to learn how much auto insurance costs in the state based on these variables.


 

Affordable insurance companies in Kentucky

What's the cheapest car insurance in Kentucky?
RankCompany NameAvg. Annual Premium
1Kentucky Farm Bureau$1,158
2USAA$1,456
3Westfield$1,482
4Travelers$1,647
5State Farm$1,665
6Cincinnati Insurance$1,818
7Motorists Mutual$1,848
8State Auto$2,698
9Safe Auto$3,080
10Allstate$3,958

Compare quotes from dozens of insurance companies that provide coverage throughout Kentucky. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Kentucky

Drivers with good driving recordstypically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Kentucky drivers without a recent moving violation typically save 16% on their car insurance premiums, near the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

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

 

Cheap auto insurance for young drivers in Kentucky

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Kentucky, the average teen driver pays $7,626 — a full $2,700 per year more than the nationwide average and approximately three times more than the average for Kentucky drivers of all ages.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$7,217$12,054
17$6,898$9,316
18$6,949$7,720
19$5,976$4,878

 

Cheap auto insurance for bad drivers in Kentucky

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a flawed driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 34% after an at-fault accident, and 16% after a speeding ticket in Kentucky. The post-citation penalties assessed by car insurance companies in the Bluegrass State roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,16434.88%
DUI$3,13434.26%
Speeding Violation$2,46616.45%
Bad Credit$4,55854.80%

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Top rated car insurance companies in Kentucky

Every car insurance company advertises its low rates. But as with any product, the cheapest auto insurance policy isn't always the best option. Considering what's at stake, it's worthwhile to do the due diligence to acquire an insurance policy that covers your vehicle adequately after an incident. Hunt for a great value, instead of settling for the most affordable auto insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Kentucky Farm BureauN/AN/AN/AN/A
Liberty MutualBelow averageAbove averageGood4.2 / 5
Motorists MutualN/AN/AN/AN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Kentucky auto insurance laws

In Kentucky, drivers are required to maintain at least the state minimum liability insurance and personal injury protection levels:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Personal Injury Protection (PIP)

  • $10,000 per person

Optional coverage in Kentucky (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Additional Personal Injury Protection
  • Guest Personal Injury Protection

For the minimum required coverage in Kentucky, expect to pay an average of $1,062 each year. This is more expensive than the U.S. average by 61%. If you want higher-level car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages incurred by vehicular crashes, theft, or weather conditions. Better car insurance comes with a price: in Kentucky, a comprehensive policy with a $1,000 deductible costs $1,884, 77% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, you can expect to pay 94% more than for basic liability-only coverage.

It's worth noting that Kentucky is a no-fault state.

Kentucky's no-fault insurance laws mandate that drivers carry their own protection. 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.

Learn more about car insurance laws in Kentucky

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How tickets change insurance rates in Kentucky

If you receive a ticket or citation, your auto insurance rates will probably go up. How much your rates rise depends on the severity of the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Kentucky after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,95155%$1,053
Refused Breathalyzer/Chemical Test$2,84050%$942
DUI$2,84050%$942
Racing$2,86851%$969
Reckless Driving$2,86851%$969
Driving with a Suspended License$2,69242%$794
At-Fault Accident$2,94055%$1,042
Driving with an Open Container$2,22817%$330
Operating a Vehicle Without Permission$2,33523%$436
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
Driving Wrong Way/Wrong Lane$2,24918%$350
Failure to Yield$2,30021%$402
Speeding in a School Zone$2,24918%$351
Driving Too Slowly$2,24918%$351
Distracted Driving$2,24918%$350
Driving with Expired Registration$2,0789%$179
Failure to Show Documents$2,0789%$179
Not-at-Fault Accident$2,09610%$197
Failure to Use Child Safety Restraint$1,9754%$77
Failure to Wear a Seat Belt$1,9473%$48
Driving Without Lights$1,9473%$48

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Kentucky car insurance FAQs

Who has the cheapest auto insurance in Kentucky?

Kentucky car insurance can be quite expensive. Our data shows Kentucky Farm Bureau ($579) and USAA ($728) are the cheapest auto insurance companies in Kentucky.

How much is car insurance per month in Kentucky?

Per month, car insurance in Kentucky costs $172. This is 32% more than what the average driver in the U.S. pays for auto insurance per month.

Why is Kentucky car insurance so expensive?

Car insurance is expensive in Kentucky due to the high levels of insurance required (it's a no-fault state) and the number of uninsured drivers. You can find the cheapest possible option for you by comparing quotes with The Zebra.

How much does car insurance cost in Kentucky cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Owensboro, Kentucky, and the most expensive in Louisville, Kentucky.

RankCityAvg. Annual Premium
1Louisville$2,523
2Georgetown$1,730
3Hopkinsville$1,704
4Nicholasville$1,703
5Covington$1,693
6Lexington$1,689
7Richmond$1,679
8Florence$1,655
9Bowling Green$1,645
10Owensboro$1,596

 

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Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.