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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

If you want flexible auto insurance, you could be interested in a temporary car insurance policy. Truth is, short-term auto insurance contracts are rare for a few reasons.

Some major auto insurance companies won't offer policy terms for fewer than six months. Since car insurance is legally required in most states, it can be risky to jump between policies. You also run the risk of creating gaps in your auto insurance record by moving between policies frequently, leading to higher premiums in the long run.

Thankfully, car insurance policies usually run only six months. This quick duration allows insurance companies to frequently “re-rate” — or recalculate — your bill considering your up-to-date driving profile and demographics.

It also provides a timely opportunity to evaluate your situation by shopping for a policy with other auto insurers. Comparing prices online is quick, and there is no penalty for switching auto insurance companies at the completion of your policy period — or even in the middle of your policy period, as long as you don't let your insurance lapse.

Car insurance's flexible nature makes it relatively easy to acquire with limited advance notice. If you need a policy before you can drive your new car off of the lot, shopping for a policy for a relatively long-term auto rental or seeking insurance on a vehicle you don't own but drive often, think about purchasing a half-year policy and cutting the agreement short as needed.

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Short-term car insurance in Kentucky

Below are typical auto insurance costs in Kentucky, ordered by major car insurance companies and major cities. If you’re paying substantially more than the rates listed below, think about shopping around.

Insurance Company Average 6-Month Rate Average Monthly Rate
Kentucky State Average — All Companies $1,104 $184
Kentucky Farm Bureau $579 $97
USAA $728 $121
Westfield $741 $124
State Farm $833 $139
Cincinnati Insurance $909 $152

The cheapest option for single-month car insurance in Kentucky is Kentucky Farm Bureau, which can save you $25 per month, compared to the second-cheapest option, USAA. In Kentucky, the average per-month cost of car insurance is $184, or $1,104 over a six-month contract.

Where you reside can have as great an impact on your insurance premiums as your choice of insurance company. Car insurance companies take into account the frequency of claims in a given area when rating policies by ZIP. View insurance rates in Kentucky's most populous cities and compare the amount you’re paying.

City Average 6-Month Rate Average Monthly Rate
Louisville $1,261 $210
Lexington $845 $141
Bowling Green $822 $137
Owensboro $798 $139
Covington $846 $141

Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current premiums exceed those listed above, take some time to compare rates. The temporary duration of a car insurance contract increases the importance of remaining informed and willing to shop.

Discover more about temporary auto insurance or use The Zebra to get free quotes today.


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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.