Car Insurance in Kentucky
- Travelers has the cheapest liability coverage at $49/mo.
- Travelers has the cheapest full coverage at $126/mo.
Enter your ZIP code to start your search for Kentucky car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Kentucky at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Kentucky
Kentucky's average car insurance rate is $1,540 every six months — 32% more expensive than the U.S. average. [1]
43% 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]
Cheapest liability coverage in KY
- Travelers offers the cheapest liability coverage in Kentucky at $49/mo.
Cheapest full coverage in KY
- Travelers offers the cheapest full coverage in Kentucky at $126/mo.[3]
Best customer service in KY
- Erie Insurance scored 718 (7.6% above average) in JD Power's latest study — the highest in Kentucky.
Cheap liability insurance in Kentucky
Travelers offers the cheapest liability rates in the state, with its average rate at $126/mo. The state average for liability-only is at $563.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $293 | $49 |
| Kentucky Farm Bureau | $312 | $52 |
| USAA | $315 | $52 |
| State Farm | $383 | $64 |
| Progressive | $422 | $70 |
| Auto-Owners | $443 | $74 |
| GEICO | $567 | $95 |
| Nationwide | $631 | $105 |
| Encompass | $641 | $107 |
| Safe Auto | $802 | $134 |
| Allstate | $1,028 | $171 |
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, 50% of Kentucky drivers only insure their vehicles with liability coverage. Kentucky requires drivers to carry a minimum liability limit of 25/50/25.
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.
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.[4]
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Westfield | $366 | $1,484 |
| USAA | $315 | $994 |
| Travelers | $293 | $754 |
| State Farm | $383 | $1,048 |
| Shelter | $454 | $1,027 |
| Progressive | $422 | $1,436 |
| Nationwide | $631 | $1,518 |
| MetLife | $1,612 | $2,896 |
| Kentucky Farm Bureau | $312 | $1,213 |
| Grange | $892 | $1,602 |
| GEICO | $567 | $1,863 |
| Encompass | $641 | $1,777 |
| Cincinnati Insurance | $360 | $1,316 |
| Auto-Owners | $443 | $1,039 |
| Allstate | $1,028 | $2,833 |
Source: The Zebra
Cheap full coverage insurance in Kentucky
About 50% of our Kentucky customers opt for full coverage auto insurance, which 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 $1,540, but carrying only the bare minimum can be risky and leave you underinsured if you get into an accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $754 | $126 |
| USAA | $994 | $166 |
| State Farm | $1,048 | $175 |
| Kentucky Farm Bureau | $1,213 | $202 |
| Progressive | $1,436 | $239 |
| Nationwide | $1,518 | $253 |
| Encompass | $1,777 | $296 |
| GEICO | $1,863 | $311 |
| Safe Auto | $2,100 | $350 |
| Allstate | $2,833 | $472 |
Source: The Zebra
What are the best car insurance companies in Kentucky?
We named Erie Insurance the best car insurance company in Kentucky based on consumer reviews, third-party ratings (J.D. 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.
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Local insights
Drivers near you in Kentucky weigh in
"I have State Farm. For $500/mo it covers a 2016 4Runner, 2022 RAV4 and my homeowners insurance. Full coverage."
-Reddit user on r/Kentucky
"We have State Farm and bundle homeowners, liability on a paid off 2015 car, and full coverage a new 2026 car. $269/mo. My Homeowners is $160 of that."
-Reddit user on r/Kentucky
Compare car insurance rates from the best companies in Kentucky.
Car insurance in popular Kentucky cities
The price of auto coverage varies based on your location, among many other factors. The table below shows average car insurance costs in some of Kentucky's biggest cities.
Source: The Zebra
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Source: The Zebra
Authentic support, right at your fingertips.
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
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 greatly, 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.
Source: The Zebra
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.
Kentucky DUI laws
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 options and find a cost-effective policy.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,085 | $181 |
| Progressive | $1,740 | $290 |
| USAA | $1,792 | $299 |
| State Farm | $1,878 | $313 |
| Auto-Owners | $2,321 | $387 |
| Kentucky Farm Bureau | $2,750 | $458 |
| GEICO | $2,868 | $478 |
| Nationwide | $3,148 | $525 |
| Allstate | $3,244 | $541 |
| Encompass | $7,697 | $1,283 |
Source: The Zebra
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!
How have car insurance costs in Kentucky changed?
The average cost of auto insurance in Kentucky has increased by in the past year. A typical Kentucky driver pays an average of $1,540 every six months for full coverage auto insurance. 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 |
|---|---|
| 2026 | $3,080 |
| 2025 | $2,936 |
| 2024 | $2,758 |
| 2023 | $2,113 |
| 2022 | $2,567 |
| 2021 | $1,879 |
| 2020 | $1,849 |
| 2019 | $2,206 |
| 2018 | $1,898 |
| 2017 | $2,055 |
| 2016 | $2,073 |
| 2015 | $1,849 |
Save money on your next car insurance policy!
Kentucky car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Kentucky auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
-
No Fault Rejection/Verification (PIP). Kentucky Department of Insurance
RECENT QUESTIONS ABOUT CAR INSURANCE IN KY
What is O&L coverage and why do I have it?
Why is car insurance so expensive in Kentucky?
I'm a Farm Bureau member, but I'm moving states. Can I take my insurance with me?
Will an insurance company let you underinsure a home?
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.
