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?
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

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 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,951 55% $1,053
Refused Breathalyzer/Chemical Test $2,840 50% $942
DUI $2,840 50% $942
Racing $2,868 51% $969
Reckless Driving $2,868 51% $969
Driving with a Suspended License $2,692 42% $794
At-Fault Accident $2,940 55% $1,042
Driving with an Open Container $2,228 17% $330
Operating a Vehicle Without Permission $2,335 23% $436
Passing a School Bus $2,285 20% $386
Improper Passing $2,300 21% $402
Following Too Closely $2,300 21% $402
Speeding $2,315 22% $416
Failure to Stop at a Red Light $2,300 21% $402
Illegal Turn $2,300 21% $402
Driving Wrong Way/Wrong Lane $2,249 18% $350
Failure to Yield $2,300 21% $402
Speeding in a School Zone $2,249 18% $351
Driving Too Slowly $2,249 18% $351
Distracted Driving $2,249 18% $350
Driving with Expired Registration $2,078 9% $179
Failure to Show Documents $2,078 9% $179
Not-at-Fault Accident $2,096 10% $197
Failure to Use Child Safety Restraint $1,975 4% $77
Failure to Wear a Seat Belt $1,947 3% $48
Driving Without Lights $1,947 3% $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.

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

 

RECENT QUESTIONS

Will my rate increase from filing a claim from hitting a road hazard?

If you file a claim, your rates can be impacted for up to five years. As far as towing, that would be a question for your insurance company.
Sep 22, 2018 Fort Knox, KY

Is my 18-year-old son covered on my car insurance if he still lives with me?

If your son is living in your home, he needs to be listed on the policy as either a driver or an excluded driver. An excluded driver means they are not covered to drive the car at all.
Jun 25, 2019 Elizabethtown, KY

Will my insurance company pay me directly for a claim?

Unless your vehicle was totaled, the insurance company normally pays the repair facility directly after you pay your collision deductible. You would have to speak with them about making other arrangements for the claim payout.
Feb 13, 2017 Louisville, KY

Can an insurance agent ask a driver if they have a disability if they think it may have contributed to a car accident?

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.
Oct 9, 2017 Taylorsville, KY

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.