Edited By Renata Balasco
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?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Kentucky Farm Bureau | $1,158 |
| 2 | USAA | $1,456 |
| 3 | Westfield | $1,482 |
| 4 | Travelers | $1,647 |
| 5 | State Farm | $1,665 |
| 6 | Cincinnati Insurance | $1,818 |
| 7 | Motorists Mutual | $1,848 |
| 8 | State Auto | $2,698 |
| 9 | Safe Auto | $3,080 |
| 10 | Allstate | $3,958 |
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Cheap auto insurance for good drivers in Kentucky
Drivers with good driving records typically 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 | $406 | 16.45% |
| No Accidents | $1,104 | 34.88% |
| Good Credit | $2,498 | 54.80% |
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.
| Age | Annual Rate with Parents | Annual 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 Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $3,164 | 34.88% |
| DUI | $3,134 | 34.26% |
| Speeding Violation | $2,466 | 16.45% |
| Bad Credit | $4,558 | 54.80% |
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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) |
| Allstate | Average | Average | Superior | 4.3 / 5 |
| Farmers | Excellent | Below average | Excellent | 4.3 / 5 |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Kentucky Farm Bureau | N/A | N/A | N/A | N/A |
| Liberty Mutual | Above average | Above average | Good | 4.2 / 5 |
| Motorists Mutual | N/A | N/A | N/A | N/A |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| Travelers | Average | Below average | Superior | 4.3 / 5 |
| USAA | Excellent | Excellent | Superior | 4.6 / 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.
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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Louisville | $2,523 |
| 2 | Georgetown | $1,730 |
| 3 | Hopkinsville | $1,704 |
| 4 | Nicholasville | $1,703 |
| 5 | Covington | $1,693 |
| 6 | Lexington | $1,689 |
| 7 | Richmond | $1,679 |
| 8 | Florence | $1,655 |
| 9 | Bowling Green | $1,645 |
| 10 | Owensboro | $1,596 |
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