What are my options for cheap car insurance in Kentucky?

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Drivers in Kentucky pay an average of about $937 for car insurance per year. Read on to learn where to get the cheapest car insurance in the state, and you can use this tool to see some options.

  • Cheapest car insurance in Kentucky

  • 5 car insurance providers in Kentucky

  • What are the minimum requirements for auto insurance in Kentucky?

  • How to get car insurance in Kentucky

  • Frequently asked questions

  • Our methodology

Cheapest car insurance in Kentucky

According to our rate estimates, Geico may have the cheapest car insurance in Kentucky for some drivers. Good drivers pay about $922 annually with Geico. State Farm, USAA and Auto-Owners are also options, with $1,083, $1,137 and $1,320 respectively. These estimates apply to full-coverage car insurance for a 35-year-old driver.

Car insurance company

Estimated annual cost*

Geico

$922

State Farm

$1,083

USAA

$1,137

Auto-Owners

$1,320

Progressive

$1,326

Travelers

$1,480

Kentucky Farm Bureau

$1,663

How much is auto insurance in Kentucky?

According to the National Association of Insurance Commissioners (NAIC), drivers paid an average of about $937 for car insurance in Kentucky in 2018, and that includes both minimum and full coverage policies. The national average was $1,057 in 2018, which means car insurance in Kentucky was slightly cheaper than average.

In more expensive states, such as Louisiana and Michigan, drivers can pay $1,400 or more annually. Interestingly, the rate of uninsured motorists in Kentucky is 13.9%, according to the Insurance Information Institute, which is slightly higher than the national average of 12.6%.

Cheapest Kentucky car insurance for young drivers

Our rate estimates show Geico tends to be the most affordable option for drivers in their early 20s. Geico is followed by State Farm and USAA. Travelers insurance is also generally more affordable for these drivers than other providers in the state.

Car insurance company

Estimated annual cost*

Geico

$1,216

State Farm

$1,434

USAA

$1,587

Travelers

$1,786

Auto-Owners

$1,885

Cheapest Kentucky car insurance for drivers with a speeding ticket

Geico is typically the most affordable option for Kentucky drivers with a speeding ticket, with rate estimates of $971 per year. State Farm, USAA and Kentucky Farm Bureau can also be affordable options.

Car insurance company

Estimated annual cost*

Geico

$971

State Farm

$1,167

USAA

$1,458

Kentucky Farm Bureau

$1,663

Auto-Owners

$1,734

Cheapest Kentucky car insurance for drivers with a recent accident

Having an accident on your driving record can raise your car insurance rates in Kentucky. Our cost estimates show State Farm, at $1,253 annually, tends to be the most affordable option for drivers with an accident. Auto-Owners is the second-cheapest option on average, followed by Geico and USAA.

Car insurance company

Estimated annual cost*

State Farm

$1,253

Auto-Owners

$1,341

Geico

$1,577

USAA

$1,749

Travelers

$2,109

Cheapest Kentucky car insurance for drivers with poor credit

Having a poor credit score can increase your rates substantially in Kentucky. We found Geico to be the cheapest option in this case, with a rate estimate of $1,389 annually. For drivers with poor credit, State Farm and Progressive are almost tied for the next-most-affordable option.

Car insurance company

Estimated annual cost*

Geico

$1,389

State Farm

$2,255

Progressive

$2,257

USAA

$2,372

Travelers

$2,943

Car insurance providers in Kentucky

Considering factors including cost, coverage options, customer service and industry reputation, here are some options for car insurance in Kentucky.

Top Kentucky car insurance companies

Overall rating

Coverage rating

Cost rating

1. Geico

9.1

8.5

8.5

2. State Farm

8.6

8.5

8.0

3. USAA

9.1

8.5

9.5

4. Auto-Owners

7.6

8.0

7.5

5. Kentucky Farm Bureau

7.6

6.5

8.0

(Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Kentucky.)

1. Geico

According to our rate estimates, Geico is the cheapest option for many types of drivers in Kentucky. Geico offers a wide range of coverage options, including a usage-based plan called DriveEasy that is available in Kentucky. Car insurance discounts from Geico include military, antitheft system, good student and multivehicle discounts.

Geico has an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. Extra coverage options include:

  • Mechanical breakdown insurance 

  • Rideshare insurance

  • Roadside assistance

  • Rental reimbursement

2. State Farm

State Farm can be another affordable provider for drivers in Kentucky. Besides providing low rates for good drivers and those who have an accident on their records, State Farm offers a good student discount of up to 25%. This is one of the best student discounts in the industry.

State Farm has an A++ financial strength rating from AM Best. The insurance company also offers a usage-based option for all drivers called Drive Safe & SaveTM and a driver education app called Steer Clear®. Both of these provide discounts. Drivers can also get extras such as: 

  • Rental coverage

  • Travel expense coverage

  • Roadside assistance

  • Rideshare coverage

  • Classic car insurance

3. USAA

If you are a member of the military or a veteran, or if you have close family in the service, it can be a good idea to also compare car insurance quotes from USAA. The company offers low rates for car insurance in Kentucky, according to our rate estimates. People joining, exiting or changing stations in the military can take advantage of tools and advice from USAA for these stages in life.

USAA’s usage-based program is called SafePilot and it’s available with Kentucky car insurance policies. According to the company, drivers can save up to 30% for practicing safe habits on the road. Other extras from USAA include:

  • Total loss protection

  • Classic car insurance

  • Accident forgiveness

  • Roadside assistance

  • Rideshare coverage

4. Auto-Owners 

Auto-Owners has been around since 1916. Today, it’s available in 26 states including Kentucky. In our research, we found that Auto-Owners provides affordable car insurance in Kentucky, especially for drivers with a recent auto accident.

Auto-Owners offers 12 discounts, including good student, multi-car and teen driver monitoring discounts. The company has an A+ rating with accreditation from the BBB, and it offers extra coverage options including:

  • Roadside assistance

  • New car replacement

  • Rental car coverage

5. Kentucky Farm Bureau

Kentucky Farm Bureau auto insurance is another affordable option in the state. Kentucky Farm Bureau offers simple plans that cover basic needs, from bodily injury liability and property damage liability to comprehensive coverage. The provider doesn’t have any usage-based options, so it’s better suited to people looking for standard Kentucky auto insurance. 

Kentucky Farm Bureau stands out because it employs local agents in every county in the state. You can request a car insurance quote online and a local agent will respond with the auto insurance coverage options available for you. Kentucky Farm Bureau has an A+ rating with accreditation from the BBB and an A financial rating from AM Best.

What are the minimum requirements for auto insurance in Kentucky?

Kentucky requires drivers to carry three types of liability car insurance: $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per person. The state also requires drivers to carry $10,000 in personal injury protection (PIP) unless they reject it in writing.

Kentucky is a choice-no-fault state. The no-fault arrangement means you work through your own insurance company to handle injury claims no matter who was at fault. Your PIP covers medical bills and lost wages, but not pain and suffering. Under this arrangement, you can sue another driver’s company to recover medical bills and pain and suffering, but only 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 are able to sue another driver if your medical bills are below $1,000, but other drivers are also able to sue you. According to the state insurance website, you might pay more for liability coverage if you reject the no-fault system.

How to get car insurance in Kentucky

Whether you’re looking for state minimum coverage or full coverage Kentucky car insurance, compare multiple providers to find the best deal.

Frequently asked questions

Why is car insurance so expensive in Kentucky?

Car insurance in Kentucky is actually slightly cheaper than the national average. Drivers paid about $937 on average for car insurance in 2018, including minimum and full coverage policies, according to the NAIC. The national average was $1,057 for that year.

Is Geico available in Kentucky?

Yes, Geico is available in Kentucky. 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, according to our analysis. 

What is full coverage insurance in Kentucky?

Full coverage insurance in Kentucky commonly includes comprehensive and collision insurance, which cover damage to your car from collisions and the environment. Full coverage insurance also includes liability and personal injury protection unless you reject it. 

How much is car insurance per month in Kentucky?

According to the NAIC, Kentucky drivers paid an average of about $937 for car insurance in 2018, which works out to about $78 per month. However, full coverage policies can cost as much as $130 per month or more depending on your provider and driving record.

Our methodology

We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.

  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.

  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.

  • Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.

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