Cheap Kentucky Car Insurance

Compare the best rates from 7 car insurance companies in Kentucky.

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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. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Kentucky?
RankCompany NameAvg. Annual Premium
1Cincinnati Insurance$1,104
2Kentucky Farm Bureau$1,151
3USAA$1,199
4Auto-Owners$1,385
5Motorists Mutual$1,585
6Grange Mutual$1,593
7Travelers$1,647
8State Farm$1,830
9Westfield$1,851
10Safe Auto$1,952
11Nationwide$2,044
12Progressive$2,098
13Electric$2,118
14State Auto$2,210
15Encompass$2,335
16GEICO$2,389
17Safeco$2,736
18Dairyland$3,094
19MetLife$3,115
20Shelter$3,199
21Liberty Mutual$3,671
22Allstate$3,788

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Cheap 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$40616.45%
No Accidents$1,10434.88%
Good Credit$2,49854.80%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$7,217$12,054
17$6,898$9,316
18$6,949$7,720
19$5,976$4,878

Cheap Car 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 bad 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 FactorAnnual Rate% Increase
At-Fault Accident$3,16434.88%
DUI$3,13434.26%
Speeding Violation$2,46616.45%
Bad Credit$4,55854.80%

What are the Best 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.

Compare local and national auto insurance companies' financial strength and claims satisfaction levels to better predict the level of service you'll receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurer's financial stability and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Auto-Owners5Superior
Cincinnati InsuranceNot RatedSuperior
ElectricNot RatedExcellent
GEICO3Superior
Kentucky Farm BureauNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Motorists MutualNot RatedExcellent
Nationwide4Superior
Progressive3Superior
ShelterNot RatedExcellent
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Kentucky?

The minimum insurance requirement in Kentucky is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Compare average prices for basic, better, and best coverage options below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Kentucky$1,061.98$1,883.76$2,065.35
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Kentucky

In Kentucky, the state minimum coverage requirements are as follows:
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

Liability coverage is legally required in Kentucky and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Kentucky, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Kentucky, minimum PIP coverage of $10,000 per person is required on your policy.

Kentucky is a “no-fault” state, but they allow drivers to decline “no-fault” coverage and simply choose Guest PIP to protect their passengers. This will also allow the driver to file a lawsuit for any injury resulting from an accident. If a driver chooses to carry “no-fault” coverage, they decline the right to sue another driver unless their medical expenses exceed $1,000, or they suffer death or permanent disfigurement.

 

Kentucky is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires 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 his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Kentucky Car Insurance FAQs

Is Kentucky a no-fault car insurance state?

Yes — Kentucky is a no-fault state. In the event of an accident in which someone is injured, the injured party would be responsible for their own medical bills.

How much is liability insurance for a car in Kentucky?

Kentucky is an expensive state for car insurance. For liability-only coverage, the average premium in Kentucky is $1,062 annually. This is $404 more than the national average for the same coverage. Consider, however, this is an average car insurance quote. In order to get a more accurate price for liability insurance in Kentucky, you would need to get a personalized quote.

Does Kentucky accept electronic car insurance cards?

Yes. If your current provider offers an electronic ID card, the state of Kentucky will accept it.

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 Fort Thomas, Kentucky, and the most expensive in Louisville, Kentucky.

RankCityAvg. Annual Premium
1Louisville$2,080
2Saint Matthews$1,677
3Madisonville$1,626
4Paducah$1,615
5Jeffersontown$1,596
6Radcliff$1,583
7Ashland$1,577
8Danville$1,530
9Elizabethtown$1,523
10Murray$1,516
11Winchester$1,505
12Georgetown$1,504
13Henderson$1,503
14Hopkinsville$1,487
15Frankfort$1,485
16Richmond$1,458
17Covington$1,457
18Nicholasville$1,454
19Erlanger$1,449
20Lexington$1,429
21Independence$1,423
22Florence$1,419
23Bowling Green$1,375
24Owensboro$1,371
25Fort Thomas$1,358

Recent Kentucky Car Insurance Questions and Answers

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

My 18-year-old son is driving a car that’s in my name. What happens if there’s a wreck? Will my insurance ...

JUN 26, 2019
|
ELIZABETHTOWN, KY
How many years do insurance companies check for Kentucky?

Is it 3 or 5 years in ky they can check for accidents and tickets?...

APR 08, 2019
|
LOUISVILLE, KT
What’s max amount of cars allowed on state farm insurance policy?

What’s the max amount of cars allowed on state farm insurance policy?...

DEC 15, 2018
|
BARBOURVILLE, KY
Will my rate increase from filing a claim from hitting a road hazard?

Riding my motorcycle, I ran over debris in the road that I did not see. It damaged my bike and ...

SEP 23, 2018
|
FORT KNOX, KY

Driving Laws

Kentucky Texting and Driving Laws

  • Ban on all cell phones for school bus drivers and drivers <18 years
  • Ban on text messaging for all drivers

Kentucky DUI Laws

Kentucky’s lookback period was recently increased to ten years. Multiple DUI offenses within this timeframe lead to stricter penalties.

Additionally, a DUI is considered “aggravated” and penalties are enhanced when:

  • Children under 12 years old are passengers driven by someone who is DUI
  • A car is driving more than 30 miles per hour over the speed limit
  • A car is driven in the wrong direction
  • The driver’s BAC reads 0.15% or higher
  • Serious injury or death results from DUI

First-time DUI offenses in Kentucky lead to:

  • Two to 30 days in jail
  • $200 to $500 in fines
  • A license suspension for 30 to 120 days
  • 90 days of attendance in an alcohol or substance abuse program

What Counts as Speeding in Kentucky?

While individual cities or areas can adapt their own speeding laws, these Kentucky speed limits typically hold true:

  • 70 miles per hour on certain interstate highways and parkways
  • 65 mph on interstate highways and divided highways with four or more lanes
  • 55 mph on all other state highways
  • 35 mph in business or residential areas
  • 15 mph on off-street parking facilities

How Does Kentucky Define Reckless Driving?

Reckless driving in Kentucky can encompass a variety of inappropriate driving behaviors. Kentucky asks for drivers to operate their vehicle with “regard for the safety and convenience of pedestrians and other vehicles upon the highway.”

What Constitutes Distracted Driving in Kentucky?

Potential distracted driving errors in Kentucky include:

  • Visual: Taking your eyes off the road in front of you
  • Manual: Any action that takes your hands off the wheel
  • Cognitive: Taking your mind off the road

Racing in Kentucky: Definition and Details

Kentucky law explicitly states a strict prohibition of “motor vehicle racing, drag racing, or any other form of competition involving motor vehicles."

Penalties for racing in Kentucky:

  • A fine of at least $60 and up to $200
  • Imprisonment for up to 30 days  
  • You could face a hearing and possible suspension of your license for up to 90 days.

At-Fault Accidents in Kentucky

Kentucky is a “choice no-fault” state. Typically with no-fault car insurance, each driver goes through their own policy to be compensated after an accident regardless of who is at fault, but Kentucky’s “choice no-fault” policy allows drivers to opt out of the no-fault car insurance system. This allows you to sue (or be sued) for damages after an accident.

How Do Citations Impact Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,95155%$1,053
Refused Breathalyzer/Chemical Test$2,84050%$942
DUI$2,84050%$942
Racing$2,86851%$969
Reckless Driving$2,86851%$969
Driving with a Suspended License$2,69242%$794
At-Fault Accident$2,94055%$1,042
Driving with an Open Container$2,22817%$330
Operating a Vehicle Without Permission$2,33523%$436
Passing a School Bus$2,28520%$386
Improper Passing$2,30021%$402
Following Too Closely$2,30021%$402
Speeding$2,31522%$416
Failure to Stop at a Red Light$2,30021%$402
Illegal Turn$2,30021%$402
Driving Wrong Way/Wrong Lane$2,24918%$350
Failure to Yield$2,30021%$402
Speeding in a School Zone$2,24918%$351
Driving Too Slowly$2,24918%$351
Distracted Driving$2,24918%$350
Driving with Expired Registration$2,0789%$179
Failure to Show Documents$2,0789%$179
Not-at-Fault Accident$2,09610%$197
Failure to Use Child Safety Restraint$1,9754%$77
Failure to Wear a Seat Belt$1,9473%$48
Driving Without Lights$1,9473%$48

Kentucky Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Kentucky area, while also getting an insider view of the Bluegrass State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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