Car insurance for low-risk drivers in Kentucky
Some of the factors contributing to car insurance rates are out of your hands: your age, location, and gender are typical rating factors over which you don’t have much say. There are, however, a few factors you can more easily alter in pursuit of lower rates.
If you want to find the lowest possible car insurance rates, try to keep your driving history clean, your credit score solid, and your monthly mileage low. Insurers provide price cuts to low-risk clients, so low-risk driving behaviors can lead to a price cut.
See below rates from top companies for low-risk drivers in Kentucky.
Car insurance for citation-free drivers in Kentucky
One of the easiest ways to pay less for car insurance is to maintain a good driving record. Car insurance companies see good drivers as less risky customers and assign them more affordable rates. Staying on the right side of the law is a great way to cut your insurance costs.
If you're citation-free, start your search for insurance with Kentucky Farm Bureau, with an average annual rate of $1,223. That comes out to $253less than the average car insurance rate for drivers without citations in Kentucky.
CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN KENTUCKY
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Kentucky Farm Bureau | $1,223 |
| Westfield | $1,610 |
| Cincinnati Insurance | $1,693 |
| State Farm | $1,725 |
| USAA | $1,755 |
| Motorists Mutual | $1,940 |
| GEICO | $2,004 |
| Electric | $2,219 |
Car insurance rates for drivers with above-average credit in Kentucky
Car insurance companies reward drivers who have above-average credit. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.
If your credit score is between 670 and 739, your best option for car insurance might be Kentucky Farm Bureau, offering an average annual rate of $1,223. If your credit score is in the “excellent” range, Kentucky Farm Bureau could be a good company with which to start your search. Kentucky Farm Bureau's prices for drivers with credit scores of 800 and up are $632 per year less than the typical car insurance premium for drivers with excellent credit in Kentucky.
Find below a breakdown of auto insurance rates in Kentucky for drivers with good, very good, and excellent credit scores.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN KENTUCKY
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Kentucky Farm Bureau | $1,223 |
| Westfield | $1,610 |
| Cincinnati Insurance | $1,693 |
| State Farm | $1,725 |
| USAA | $1,755 |
| Motorists Mutual | $1,940 |
| GEICO | $2,004 |
| Electric | $2,219 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN KENTUCKY
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Kentucky Farm Bureau | $978 |
| Westfield | $1,507 |
| State Farm | $1,538 |
| Cincinnati Insurance | $1,554 |
| USAA | $1,656 |
| Motorists Mutual | $1,792 |
| GEICO | $1,868 |
| Electric | $1,983 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN KENTUCKY
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Kentucky Farm Bureau | $950 |
| State Farm | $1,375 |
| Westfield | $1,408 |
| Cincinnati Insurance | $1,489 |
| USAA | $1,519 |
| Motorists Mutual | $1,701 |
| GEICO | $1,712 |
| Electric | $1,789 |
Auto insurance for low-mileage drivers in Kentucky
The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.
If you're a Kentucky resident who doesn't rack up major mileage, consider Kentucky Farm Bureau, which offers average per-year savings of $308 for low-mileage drivers.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN KENTUCKY
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Kentucky Farm Bureau | $1,168 |
| USAA | $1,480 |
| State Farm | $1,563 |
| Westfield | $1,610 |
| Cincinnati Insurance | $1,693 |
| GEICO | $1,905 |
| Motorists Mutual | $1,940 |
| Electric | $2,219 |
Insurance rates for good drivers in Kentucky — by city
In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.
Find below a breakdown of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Covington | $1,543 | $1,543 | $1,439 | $1,339 | $1,460 |
| Richmond | $1,590 | $1,590 | $1,482 | $1,382 | $1,523 |
| Georgetown | $1,618 | $1,618 | $1,509 | $1,406 | $1,557 |
| Hopkinsville | $1,657 | $1,657 | $1,543 | $1,434 | $1,573 |
| Henderson | $1,684 | $1,684 | $1,567 | $1,458 | $1,618 |
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