Great auto coverage doesn’t have to cost a fortune. Many of the companies that offer the cheapest car insurance in Kentucky are among the nation’s top providers. We at the Guides Auto Team will provide cost estimates for drivers from different profiles and a list of recommended profiles. You’ll also find key information about Kentucky insurance laws and regulations.
Cheap Kentucky Auto Insurance
Kentucky auto insurance rates are slightly above the national average. But that shouldn’t stop you from finding great car insurance in Kentucky at excellent rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.
Cheapest Car Insurance Companies in Kentucky
Geico, State Farm, USAA and Westfield Insurance are the cheapest car insurance companies in Kentucky. The overall and cost ratings are provided below for these insurers.
| Top Kentucky Car Insurance Companies | Overall Rating | Cost Rating | Number of Discounts Available |
|---|---|---|---|
| #1 Geico | 9.2 | 9.4 | 16 |
| #2 State Farm | 9.2 | 9 | 14 |
| #3 USAA | 9.5 | 10 | 10 |
| #4 Westfield Insurance | 7.6 | 7.3 | N/A |
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Kentucky.
Because car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from several providers if you want to find the cheapest car insurance in Kentucky.
Cheapest Car Insurance Coverage in Kentucky
Coverage level has a major impact on rates. Many car insurance quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.
Below are the cheapest auto insurance options in Kentucky for both coverage types.
Cheapest Liability Car Insurance in Kentucky
At $32 per month or $381 per year, State Farm provides the cheapest liability car insurance in Kentucky on average. Motorists can also find cheap coverage through Geico or USAA. Below is the complete list of cheap liability coverage options in Kentucky.
| Cheapest Liability Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| State Farm | $32 | $381 |
| Geico | $33 | $395 |
| USAA | $33 | $395 |
| Kentucky Farm Bureau | $38 | $455 |
| Auto-Owners Insurance | $43 | $510 |
| Travelers | $50 | $596 |
| Allstate | $75 | $902 |
| Progressive | $78 | $936 |
*All drivers in Kentucky are required to have minimum liability coverage, which is the cheapest car insurance coverage level.
Cheapest Full Coverage Car Insurance in Kentucky
Geico offers the cheapest full coverage car insurance estimates on average, costing $94 per month or $1,127 per year. State Farm and USAA may also be affordable options for drivers. We highlight the complete list of the cheapest full coverage options for auto insurance in Kentucky below.
| Cheapest Full Coverage Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $94 | $1,127 |
| State Farm | $106 | $1,267 |
| USAA | $117 | $1,409 |
| Auto-Owners Insurance | $123 | $1,481 |
| Progressive | $135 | $1,621 |
| Travelers | $135 | $1,619 |
| Shelter Insurance | $169 | $2,029 |
| Kentucky Farm Bureau | $172 | $2,059 |
*These rate estimates are based on the profile of a 35-year-old driver with a clean driving history and good credit.
Cheap Car Insurance in Kentucky
Age, driving history and a person’s credit scores can have a significant impact on car insurance costs in Kentucky. Below we compare cheap car insurance estimates for Kentucky drivers in these categories.
Cheapest Car Insurance for Young Drivers in Kentucky
Young drivers can pay significantly more for car insurance than older drivers. The tables below show the cheapest car insurance for young drivers in Kentucky, along with estimated monthly and annual costs.
Cheapest Kentucky Car Insurance for 16-Year-Olds
Geico tends to offer the cheapest car insurance in Kentucky for 16-year-old drivers at an average estimate of $2,969 per year, or $247 per month. The average estimated rate for 16-year-old Kentucky drivers is $6,638 per year, or $553 per month.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $247 | $2,969 |
| State Farm | $302 | $3,618 |
| Auto-Owners Insurance | $379 | $4,551 |
| Shelter Insurance | $394 | $4,733 |
| Kentucky Farm Bureau | $434 | $5,213 |
Cheapest Kentucky Car Insurance for 17-Year-Olds
For 17-year-old drivers in Kentucky, Geico typically offers the cheapest rates at an estimated $2,881 per year, or $240 per month. The average estimated rate for a 17-year-old Kentucky driver is $5,659 per year, or $472 per month.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $240 | $2,881 |
| State Farm | $269 | $3,231 |
| USAA | $333 | $3,997 |
| Auto-Owners Insurance | $340 | $4,079 |
| Shelter Insurance | $373 | $4,472 |
Cheapest Kentucky Car Insurance for 18-Year-Olds
Geico typically offers the lowest prices on car insurance for 18-year-olds in Kentucky with an average estimate of $2,783 per year, or $232 per month. The average estimate for 18-year-old Kentucky drivers is $4,936 per year, or $411 per month.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $232 | $2,783 |
| State Farm | $239 | $2,873 |
| USAA | $286 | $3,429 |
| Auto-Owners Insurance | $293 | $3,514 |
| Travelers | $330 | $3,962 |
Cheapest Kentucky Car Insurance for 21-Year-Olds
When it comes to 21-year-old drivers in Kentucky, Geico tends to offer the lowest rates on car insurance at an estimated $1,751 per year, or $146 per month. The average estimate for 21-year-old Kentucky drivers is $2,802 per year, or $234 per month.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $146 | $1,751 |
| State Farm | $167 | $1,999 |
| USAA | $174 | $2,091 |
| Auto-Owners Insurance | $191 | $2,290 |
| Travelers | $204 | $2,448 |
Cheapest Kentucky Car Insurance for 25-Year-Olds
Geico also tends to offer the cheapest car insurance rates in Kentucky for 25-year-old drivers at an estimated $1,239 per year, or $103 per month for full coverage. The average estimate for 25-year-olds in the Bluegrass State is $2,097 per year, or $175 per month.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $103 | $1,239 |
| State Farm | $120 | $1,445 |
| USAA | $140 | $1,682 |
| Travelers | $144 | $1,729 |
| Auto-Owners Insurance | $147 | $1,759 |
Cheapest Kentucky Car Insurance for High-Risk Drivers
Your age and location are both very influential factors in your Kentucky car insurance premiums, but they aren’t the only ones. Other variables related to your driving record and credit score also have an impact.
Cheapest Kentucky Car Insurance for Drivers With a Speeding Ticket
A speeding ticket in your driving history can considerably increase prices for car insurance in Kentucky. Those who’ve been caught driving too fast in the state pay an average of $2,358 per year, far more than the cost for those with a clean driving record.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $81 | $971 |
| State Farm | $97 | $1,167 |
| USAA | $122 | $1,458 |
| Kentucky Farm Bureau | $139 | $1,663 |
| Auto-Owners Insurance | $145 | $1,734 |
Cheapest Kentucky Car Insurance for Drivers With a Recent Accident
Drivers who recently caused an accident can expect to pay steeper prices for car insurance in Kentucky. The average rate is $3,001 per year for Kentucky motorists after an at-fault accident.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| State Farm | $104 | $1,253 |
| Auto-Owners Insurance | $112 | $1,341 |
| Geico | $131 | $1,577 |
| USAA | $146 | $1,749 |
| Travelers | $176 | $2,109 |
Cheapest Kentucky Car Insurance for Drivers With a DUI
A recent DUI can drastically increase your monthly premiums as you’ll be labeled as a high-risk driver. The average rate for full coverage auto insurance in Kentucky is $3,695 per year after a DUI violation.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| State Farm | $97 | $1,168 |
| Progressive | $149 | $1,787 |
| USAA | $156 | $1,872 |
| Travelers | $158 | $2,221 |
| Geico | $198 | $2,380 |
It’s difficult to avoid increased auto insurance prices with a poor credit score. Kentucky drivers with bad credit spend an average of $3,634 per year to insure their vehicles.
| Cheapest Car Insurance in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Geico | $116 | $1,389 |
| State Farm | $188 | $2,255 |
| Progressive | $188 | $2,257 |
| USAA | $198 | $2,372 |
| Travelers | $245 | $2,943 |
Car Insurance Deals in Kentucky
One of the best ways Kentucky motorists can lower their car insurance premiums is by taking advantage of car insurance deals and discounts. The table below compares auto insurance discounts by the top providers in the Bluegrass State, which we’ll discuss in further detail below.
| Kentucky Car Insurance Discounts | Geico | State Farm | USAA |
|---|---|---|---|
| Multi-policy |  |
|
|
| Multi-vehicle | |
|
|
| Safe driver | |
|
|
| Student | |
|
|
| Defensive driving | |
|
|
| Driver training | |
|
|
| New vehicle | |
|
|
| Car safety equipment | |
|
|
| Loyalty | |
|
|
| Military | |
|
*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.
Car Insurance Discounts in Kentucky
Kentucky drivers who qualify for car insurance discounts can expect to pay less overall for car insurance. And as you’re shopping around for a new auto insurance provider, you’ll want to keep an eye out for companies that offer the best discounts and deals for your situation. Remember to reach out to your current provider to see if there are any discount opportunities you are missing out on.
Here’s more information on the standard car insurance discounts offered by the best car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company, such as renters insurance and auto insurance
- Multi-vehicle: Insure multiple cars under the same policy or combining auto insurance policies
- Military: Applies whether you’re a veteran or active military member
- Senior: Applies to policyholders who are 55 and older
- Homeowners: If you own a home, you may qualify for this discount
- Good student: For college and high school students under 25 who maintain a B average in their courses
- Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
- Defensive driving: Those who take a defensive driving course tend to qualify for this discount
- Driver training: Get a discount by taking a driver education training course
- New car: Given to drivers who purchase a new car, typically three model years or newer
- Safe car: Applies if your vehicle has safety features like anti-theft technology
- Paperless: Receive a discount by opting to receive your documents through email
- Pay-in-full: Save on your car insurance premium by paying your policy in full up front
Best Cheap Car Insurance in Kentucky
For those who would like to know about the cheapest auto insurance in Kentucky, the sections below contain more detailed information.
#1 Geico: Affordable for Most Drivers
J.D. Power regional rating: 843/1,000
AM Best financial strength score: A++
Better Business Bureau (BBB) rating: A+
Geico offers a compelling mix of affordable car insurance coverage and strong customer service. The company receives an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠. Geico’s outstanding financial strength rating from AM Best indicates the company’s reliability when it comes to its ability to pay out claims.
#2 State Farm: Editor’s Choice
J.D. Power regional rating: 859/1,000
AM Best financial strength score: A++
BBB rating: A+
State Farm can be another affordable provider for car insurance in Kentucky. Besides offering some of the cheapest rates for good drivers and those who have at-fault accidents on their records, State Farm has a good student car insurance discount of up to 25%. The company also offers a usage-based option for all drivers called Drive Safe & Save™ and a driver education program called Steer Clear®.
Keep reading: State Farm insurance review
#3 USAA: Low Rates for Military
J.D. Power regional rating: 890/1,000
AM Best financial strength score: A++
BBB rating: A+
It’s wise to look at USAA if you’re in the military, a veteran or an immediate family member of someone in the armed forces. The company received the Southeast’s highest satisfaction score in the J.D. Power 2021 U.S. Auto Insurance Study℠, highlighting its stellar customer service. Rates are generally low across the Bluegrass State as well, making it a worthwhile option for coverage.
#4 Westfield Insurance: Strong Local Coverage
J.D. Power regional rating: Unranked
AM Best financial strength score: A
BBB rating: A+
Westfield Insurance is headquartered in Ohio and offers high-quality car insurance in Kentucky. While drivers won’t always receive the lowest rates from Westfield, the company receives far fewer complaints than average in the complaint index from the National Association of Insurance Commissioners (NAIC). Westfield has insurance agents who are known for their dedication to customers, and it shows in the provider’s reviews.
Average Cost of Car Insurance in Kentucky
Our data shows that the average estimate for full coverage car insurance in Kentucky is $1,779 per year, or $148 per month. This is just 3% higher than the national average estimate of $1,730 per year.
The average estimate for minimum liability insurance in Kentucky is $651 per year, or $54 per month. This is about 3% higher than the national average estimate of $635 per year.
Kentucky Car Insurance Cost by Age
Age is a critical factor in how much you pay for your premiums. Middle-aged drivers often have access to the cheapest car insurance in Kentucky, while younger drivers and especially teens typically pay the highest rates. In the following table, you’ll find the average full coverage rates for drivers of different ages.
| Age | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| 16 | $553 | $6,638 |
| 17 | $472 | $5,659 |
| 18 | $411 | $4,936 |
| 19 | $311 | $3,733 |
| 21 | $234 | $2,802 |
| 25 | $175 | $2,097 |
| 30 | $159 | $1,906 |
| 40 | $149 | $1,791 |
| 50 | $137 | $1,646 |
| 55 | $134 | $1,610 |
| 65 | $142 | $1,703 |
| 75 | $168 | $2,018 |
Kentucky Car Insurance Cost by City
Insurance rates differ from state to state, but they also vary within states depending on population and other risk factors. That’s why some Kentucky residents will pay different rates than their friends and family in neighboring counties. The table below shows the average estimated rates for the 25 most populous cities and towns in Kentucky.
| City in Kentucky | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Richmond | $112 | $1,347 |
| Owensboro | $114 | $1,363 |
| Nicholasville | $115 | $1,384 |
| Florence | $119 | $1,434 |
| Bowling Green | $120 | $1,434 |
| Winchester | $120 | $1,436 |
| Ashland | $120 | $1,442 |
| St. Matthews | $120 | $1,445 |
| Burlington | $121 | $1,455 |
| Frankfort | $121 | $1,456 |
| Danville | $122 | $1,466 |
| Jeffersontown | $123 | $1,479 |
| Erlanger | $124 | $1,482 |
| Lexington | $124 | $1,485 |
| Georgetown | $125 | $1,500 |
| Independence | $127 | $1,528 |
| Hopkinsville | $128 | $1,531 |
| Henderson | $130 | $1,564 |
| Covington | $131 | $1,568 |
| Radcliff | $131 | $1,572 |
| Elizabethtown | $131 | $1,573 |
| Paducah | $135 | $1,620 |
| Murray | $140 | $1,676 |
| Madisonville | $143 | $1,714 |
| Louisville | $166 | $1,993 |
Factors That Affect Kentucky Car Insurance Costs
The rates you see in this article will most likely differ from the ones you receive. Insurers adjust their rates based on personalized factors about you and your automobile.
These are some of the most significant variables when it comes to your insurance rates:
- Age
- Marital status
- Driving record
- Gender listed on your license
- Credit score
- Location
Kentucky Car Insurance Requirements
Kentucky is a choice no-fault state, meaning that drivers can accept or reject the no-fault system. The no-fault arrangement means you’ll work through your insurance company to handle injury claims no matter who is at fault. Personal injury protection (PIP) covers medical expenses and lost wages, though you can sue another driver’s company if your medical bills exceed $1,000.
On the other hand, you can reject PIP coverage and the no-fault system. If you do, you’re able to sue another driver if your medical bills are below $1,000, but other drivers are also able to sue you.
Minimum Car Insurance Kentucky
Kentucky law requires that all drivers meet the following state minimum coverage requirements:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage coverage: $25,000 per accident
- Personal injury protection: $10,000 per accident, unless rejected in writing
While drivers don’t legally need any coverage beyond the minimum liability limits, many opt for underinsured motorist or uninsured motorist coverage, comprehensive insurance and collision coverage. These can help with damage to your vehicle or property in the event of an at-fault accident, an environmental hazard, theft or vandalism.
How To Get Car Insurance in Kentucky
Geico, State Farm and USAA typically offer the most affordable car insurance in Kentucky. It’s a good move to compare car insurance quotes from multiple providers before picking one, as you’ll be able to discover the lowest rates for top-quality auto insurance policies.
Cheap Auto Insurance in Kentucky: Conclusion
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Kentucky. We also looked at average cost of car insurance and coverage requirements in the Bluegrass State.
Car Insurance in Kentucky FAQ
Below are frequently asked questions on the cheapest car insurance in Kentucky.
Qus: Which car insurance company has the lowest prices?
Ans: Based on our research, State Farm provides the cheapest liability car insurance at $32 per month on average, while Geico offers the most affordable full coverage rates costing an average of $94 per month.
Qus: How much is car insurance per month in Kentucky?
Ans: Kentucky drivers pay an average of $148 per month, or $1,779 per year, for full coverage car insurance. This is slightly more expensive than the national average of $144 per month, or $1,730 per year.
Qus: Why is car insurance so expensive in Kentucky?
Ans: Car insurance in Kentucky can be relatively expensive due to the state’s no-fault system. No-fault states typically have more expensive auto insurance coverage on average.
Qus: Is Geico available in Kentucky?
Ans: Yes, Geico is available for Kentucky auto insurance. In fact, it’s one of the cheapest providers for many types of drivers in the state, including young drivers and those with speeding tickets or poor credit.
Qus: What is full coverage insurance in Kentucky?
Ans: Full coverage insurance in Kentucky commonly includes comprehensive coverage and collision insurance, which cover damage to your car from accidents and the environment. Full coverage insurance also includes liability insurance and PIP coverage, unless you reject it.
