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Best Cheap Car Insurance In Kentucky (2023)

Learn which insurers offer the best rates in the Bluegrass State.

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09/14/2023 05:45 PM

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If you’re struggling to find affordable car insurance in Kentucky, our team of experts can help. Having completed a comprehensive analysis of the best car insurance companies across the country, we focused our research to identify the seven cheapest companies and the five overall best providers available throughout the Bluegrass State.

Our team considered customer satisfaction ratings, average rates, available coverage options, and more to determine the best auto insurance companies in Kentucky. We recommend comparing quotes from leading Kentucky car insurance providers to discover what works for your needs.

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Cheap Car Insurance In Kentucky

According to our rate estimates for full-coverage auto insurance, Geico tends to be the cheapest option in the state of Kentucky, with average costs of $1,127 per year. State Farm and USAA also offer low average rates.

Auto Insurance ProviderEstimated Annual Cost
Geico$1,127
State Farm$1,267
USAA$1,409
Auto-Owners Insurance$1,481
Travelers$1,619
Progressive$1,621
Kentucky Farm Bureau$2,059

How Much Is Auto Insurance In Kentucky?

Kentucky drivers pay an average cost of $1,779 per year for full-coverage car insurance. The average cost of car insurance in Kentucky is almost 3 percent higher than the national average of $1,730 per year. According to the National Association of Insurance Commissioners (NAIC), Kentucky was the 27th-most expensive state for auto insurance in 2019.

Though the average cost of auto insurance in Kentucky is a bit higher than the national average, your rates will vary due to several factors, such as:

  • Age: Teen drivers pay more for auto insurance since they are considered high risk due to their lack of driving experience.
  • Gender: Car insurance tends to be more expensive for men in most states.
  • Marital status: The average married driver pays less for insurance than a single driver. Couples may also qualify for more family or bundling discounts when buying car insurance coverage together.
  • Driving record: Violations such as speeding tickets, accidents, and DUIs can increase the cost of car insurance.
  • Credit score: Kentucky auto insurance costs are significantly higher for drivers with poor credit scores.
  • Coverage level: Full-coverage policies are more expensive than those that just meet state minimum coverage requirements.

Cheapest Kentucky Car Insurance: Young Drivers

Car insurance companies in Kentucky charge higher rates for teen and young adult drivers, since they have less experience behind the wheel. The tables below showcase the cheapest options for full-coverage auto insurance for drivers in these age groups.

Cheapest Car Insurance In Kentucky: 16-Year-Olds

In Kentucky, the cheapest full-coverage car insurance for 16-year-olds comes from Geico at $247 per month. State Farm comes in second at $302 per month. Sixteen-year-old drivers often pay some of the highest rates in most states.

Cheap Car Insurance In KentuckyAverage Monthly CostAverage 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 Car Insurance In Kentucky: 18-Year-Olds

Eighteen-year-olds can find the cheapest coverage in Kentucky at Geico, which has an average monthly cost of $232. Drivers this age can also find affordable coverage from State Farm and USAA.

Cheap Car Insurance In KentuckyAverage Monthly CostAverage 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 Car Insurance In Kentucky: 21-Year-Olds

The cheapest car insurance in Kentucky for 21-year-olds comes at roughly $146 per month on average from Geico. State Farm also offers affordable coverage at $167 per month.

Cheap Car Insurance In KentuckyAverage Monthly CostAverage 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 Car Insurance In Kentucky: 25-Year-Olds

Twenty-five-year-old drivers in Kentucky can find the cheapest car insurance from Geico at around $103 per month and from State Farm at around $120 per month.

Cheap Car Insurance In KentuckyAverage Monthly CostAverage 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: High-Risk Drivers

In general, those with clean driving records pay lower insurance premiums than drivers who have a history of speeding tickets, car accidents, or DUI convictions. The table below shows the difference in cost for each traffic violation by the top five cheapest companies for Kentucky drivers.

Car Insurance ProviderSpeeding TicketsRecent AccidentsDUI Convictions
Geico$1,197 $2,137 $2,886
State Farm$2,000 $2,139 $2,000
USAA$2,015 $2,837 $2,618
Auto-Owners Insurance$2,145 $2,875 $3,540
Travelers$2,052 $2,651 $2,316

*Speeding tickets are for 16 to 20 mph over the speed limit. Recent accidents are for a single vehicle ($2,500 worth of damage).

Cheapest Kentucky Car Insurance: Bad Credit

The cost of car insurance in Kentucky can be hundreds of dollars more per year for people with bad credit. Our research found Geico to typically be the most affordable insurance option in the state for those with poor credit, with an average annual cost estimate of $1,389.

Car Insurance Providers in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $116 $1,389
State Farm $188 $2,255
Progressive $188 $2,256
USAA $198 $2,372
Travelers $245 $2,944

Top 5 Auto Insurance Companies In Kentucky

Our review team ranked the top car insurance companies in the country based on cost, coverage, discounts, and customer satisfaction. As we focused our research on Kentucky car insurance in particular, Geico, USAA, Progressive, State Farm, and Auto-Owners Insurance ranked highest.

Best Car Insurance In Kentucky Overall Rating Cost Rating Coverage Rating
1. Geico 4.6 4.7 4.2
2. USAA 4.6 4.9 4.6
3. Progressive 4.3 4.4 4.4
4. State Farm 4.7 4.6 4.6
5. Auto-Owners Insurance 4.4 4.5 4.3

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Kentucky.

#1 Geico: Best For Discounts

Our team chose Geico as the leading provider of auto insurance in Kentucky due to its strong industry standing, affordable rates, and broad coverage options. In our research, we found that Geico consistently offers the lowest auto insurance rates in the Bluegrass State for many drivers.

The company holds an A+ rating from the Better Business Bureau (BBB), as well as an AM Best rating of A++ for financial strength.

Geico offers a variety of coverage options to Kentucky drivers, including its usage-based insurance program, DriveEasy. It monitors driving habits through the Geico app, such as phone use, speed, and hard braking. Good drivers can earn savings on their policies with DriveEasy. Geico also offers a wide range of car insurance discounts for military members, anti-theft systems, good students, multi-vehicle policies, and more.

Read moreGeico insurance review

#2 USAA: Best For Military Members

Military members, veterans, and their families can find affordable car insurance in Kentucky through USAA, one of the nation’s largest car insurance providers. It’s a good idea to compare car insurance quotes from this provider if you’re in the armed forces or have close family members in the service.

For its superb customer service and reasonable car insurance rates, USAA earned a score of 4.6 out of 5.0 in our nationwide review. Based on our cost estimates, the company offers some of the lowest rates for car insurance in Kentucky. Through SafePilot® , the company’s usage-based program, drivers can also save up to 30 percent by practicing safe habits on the road.

Read moreUSAA insurance review

#3 Progressive: Best Usage-Based Insurance

Progressive is one of the leading insurance providers in the country. The insurer generally offers low rates to many types of drivers, and those with poor credit in particular tend to find affordable coverage through Progressive in Kentucky.

Progressive is also our review team’s choice for Best Usage-Based Insurance. The Snapshot® program monitors your driving habits through a mobile app or a device installed in your vehicle, and this information is then used to determine your auto insurance premium. The average Progressive policyholder can save over $100 a year through the program.

Read moreProgressive insurance review

#4 State Farm: Best Overall Provider

Kentucky drivers can also turn to State Farm for affordable insurance coverage. State Farm offers a discount of up to 25 percent for good students, as well as low rates for good drivers and those with recent accidents on their records. Based on our research, the provider offers one of the top student discounts available in the state.

State Farm has an A++ rating from AM Best for financial strength and received an above-average score of 882 out of 1,000 in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠. State Farm policyholders in Kentucky can also take advantage of the company’s Drive Safe & Save™ and Steer Clear® programs to save even more.

Read more: State Farm insurance review

#5 Auto-Owners Insurance: Good For High-Risk Drivers

Founded in 1916, Auto-Owners Insurance offers coverage in 26 states, including Kentucky. Based on our research, Auto-Owners provides some of the most affordable auto insurance in Kentucky on average, especially for drivers who have recent accidents on their records.

Kentucky drivers can take advantage of 12 discounts offered by Auto-Owners, including discounts for good students, safe drivers, and multi-car owners. The company also offers additional coverage options such as roadside assistance, new car replacement coverage, and rental car coverage. With an A+ rating and accreditation from the BBB, Auto-Owners can be a reliable choice for many Kentucky drivers.


Kentucky Insurance Requirements

As required by the state, Kentucky drivers must meet the following minimum requirements for auto insurance:

  • Bodily injury liability coverage: $25,000 per person/$50,000 per accident
  • Property damage liability coverage: $25,000 per accident
  • Personal injury protection (PIP): $10,000 per accident

The state of Kentucky allows drivers to opt out of the PIP coverage requirement if they reject the coverage in writing. The minimum liability car insurance requirements are mandatory for all drivers. There are other types of car insurance that would be beneficial to Kentucky drivers, but these are not required by state law:

Is Kentucky A No-Fault State?

According to state law, Kentucky is a “choice” no-fault state. With no-fault coverage, your insurance company covers injury claims, medical payments, and lost wages for you and your passengers, regardless of who is liable in the event of an accident. If your medical bills exceed $1,000, you can sue the other driver’s company for damages, but only if you have incurred medical bills due to pain and suffering.

Alternatively, you have the option of rejecting PIP coverage and no-fault insurance in Kentucky. While PIP coverage is included in Kentucky auto insurance policies due to state requirements, drivers can reject this coverage in writing to opt out of the no-fault system.


How To Get Kentucky Car Insurance Quotes

Drivers in Kentucky can likely find some of the cheapest car insurance quotes from Geico, USAA, Progressive, State Farm, and Auto-Owners Insurance. We recommend reaching out to multiple companies for quotes to compare cost and coverage options to find the best choice for you.

Many major companies offer an easy online quote experience, which is a convenient way to compare several options at once. You can also reach out to providers by phone or via their local insurance agents if there are offices in your area. Working with an agent or a broker can be a helpful way to get personalized quotes and service.

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Cheap Best Car Insurance In Kentucky: FAQ

Is car insurance cheaper in Kentucky?

Car insurance is not cheaper in Kentucky compared to the national average. The average cost of full-coverage car insurance in Kentucky is $1,779 per year, which is about 3 percent higher than the national average ($1,730 per year). Geico offers the cheapest car insurance in the Bluegrass State, at an estimated average of $1,127 annually.

How much is car insurance for a month in Kentucky?

According to our rate estimates, Kentucky residents pay an average of $148 per month for full-coverage auto insurance, and $54 per month for minimum liability coverage. The amount you pay will vary based on several factors, including the provider you choose, your driving history, your location, age, and more.

Is Kentucky a no-fault state?

Kentucky is a “choice” no-fault state, which means drivers have the choice to opt out of the no-fault system. It is possible for drivers who reject no-fault insurance coverage to sue or be sued in the event of an accident.

What is the state minimum car insurance in Kentucky?

State minimum car insurance in Kentucky costs about $651 per year or $54 per month on average, based on our estimates. The minimum car insurance requirements in Kentucky are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $10,000 in PIP coverage (Kentucky residents can waive this)

Is PIP required in Kentucky?

According to Kentucky state law, drivers must carry at least $10,000 in PIP coverage. However, Kentucky residents can refuse PIP coverage by filing paperwork to waive the mandatory order.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.