Who Has the Cheapest Car Insurance Quotes in Kentucky? (2022)

Who Has the Cheapest Car Insurance Quotes in Kentucky? (2022)

Farm Bureau has the best cheap car insurance in Kentucky, at $503 per year, or $42 per month, for minimum liability coverage.

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Kentucky car insurance rates vary widely based on your driving record, personal profile, address, insurance company and the coverage levels you choose. We recommend comparing quotes from multiple companies to find the best rate for you.

Cheapest car insurance in Kentucky: Farm Bureau

Farm Bureau has the cheapest rates in Kentucky for minimum-coverage insurance, at $503 per year. Farm Bureau is 51% cheaper than the state average.

The average cost of car insurance in Kentucky is $1,027 per year, or $86 per month, for minimum liability insurance.

Cheapest car insurance companies in Kentucky

Find Cheap Auto Insurance Quotes in Kentucky

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Company
Annual rate
Monthly rate
Farm Bureau$503$42
State Farm$506$42
Geico$1,072$89
Allstate$1,427$119
Progressive$1,518$127
Nationwide$1,538$128
USAA$623$52

USAA is only available to current and former military members and their families.

Minimum-coverage auto insurance is the cheapest way to insure your car in Kentucky. However, it might not be the best option for you.

If you cause an accident in Kentucky, state minimum insurance will pay for damage to the other driver's vehicle and injuries caused by the accident, including your own, to a limited degree. Minimum coverage does not include comprehensive and collision coverages, which protect your own vehicle from damage.

For this reason, we recommend full-coverage insurance for most drivers.

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Cheapest full-coverage car insurance in Kentucky: State Farm

State Farm offers the most affordable full-coverage auto insurance in Kentucky. At $1,334 per year, the company's rates are $1,074 cheaper than the state average, which is $2,408.

Company
Annual rate
Monthly rate
State Farm$1,334$111
Farm Bureau$1,473$123
Geico$2,706$226
Progressive$3,010$251
Nationwide$3,205$267
Allstate$3,403$284
USAA$1,725$144

USAA is only available to current and former military members and their families.

While a minimum-coverage policy includes the standard liability insurance and personal injury protection required by Kentucky, full-coverage policies add comprehensive and collision insurance.

A full-coverage policy in Kentucky is $115 a month more than a minimum-coverage policy, on average.

Cheap car insurance for drivers with prior incidents

Insurance companies use a number of factors to determine your rate, including your driving history and credit score. If you have a recent incident on your record, such as an at-fault accident or a moving violation, your car insurance rates will likely be higher than drivers with a clean record.

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Cheapest car insurance after a speeding ticket: State Farm

State Farm has the best rates for Kentucky drivers with a speeding ticket. At $1,442 for a full-coverage policy, State Farm's rates increased by only 8% after a single speeding ticket. Farm Bureau is also a good option — its rates did not increase after a ticket. In comparison, the average increase for Kentucky drivers is 32%.

Company
Annual rate
Monthly rate
State Farm$1,442$120
Farm Bureau$1,473$123
Geico$2,999$250
Progressive$3,970$331
Allstate$4,044$337
Nationwide$6,111$509
USAA$2,223$185

USAA is only available to current and former military members and their families.

Cheapest car insurance after an accident: Farm Bureau

Drivers recently at-fault in an accident will find the best car insurance rates at Farm Bureau. The company's average rate of $1,473 a year for full-coverage insurance is the same price that it offers a driver with a clean record. However, this isn't the case across the board.

If you were recently involved in an accident, you'll likely see higher costs for car insurance. We found that Kentucky drivers with one recent accident will see their rates increase by 49%, on average.

Company
Annual rate
Monthly rate
Farm Bureau$1,473$123
State Farm$1,550$129
Geico$4,250$354
Nationwide$4,748$396
Progressive$4,749$396
Allstate$5,736$478
USAA$2,637$220

USAA is only available to current and former military members and their families.

Cheapest car insurance after a DUI: Farm Bureau

Drivers with a DUI in Kentucky will find the best insurance prices at Farm Bureau, where the typical cost of a full-coverage policy is $3,455 per year. That's $431 less than the next-cheapest insurer, State Farm, and 24% less than the average price statewide.

Active service members, veterans and some of their family members can find even cheaper rates from USAA. At $2,882, USAA's average annual rate is $573 less than Farm Bureau and 36% cheaper than the state average.

Company
Annual rate
Monthly rate
Farm Bureau$3,455$288
State Farm$3,886$324
Progressive$3,889$324
Allstate$4,552$379
Nationwide$6,111$509
Geico$6,898$575
USAA$2,882$240

USAA is only available to current and former military members and their families.

A DUI conviction is a serious offense, and it can increase your car insurance rate dramatically. Drivers in Kentucky experience an average increase of 88%. You may be able to reduce the amount you pay by taking a safe driver training course, if your insurer offers it.

Cheapest car insurance for drivers with poor credit: State Farm

State Farm has the most affordable car insurance for drivers with bad credit in Kentucky, at an average rate of $2,451 per year. That's $548 per year cheaper than Geico, the second-best option, and 37% less than the state average.

Company
Annual rate
Monthly rate
State Farm$2,451$204
Geico$2,999$250
Farm Bureau$3,889$324
Nationwide$4,145$345
Progressive$4,606$384
Allstate$5,500$458
USAA$3,618$302

USAA is only available to current and former military members and their families.

Drivers with poor credit aren't worse drivers than those with good credit, but insurance companies have found that people with lower credit scores are more likely to make an insurance claim. As a result, a low credit score often means you'll pay more for coverage than someone with a high score.

Cheapest car insurance for married drivers: State Farm

The cheapest insurer for married drivers is State Farm, with an average annual cost of $1,334 for a full-coverage policy. State Farm offers the same rate to both married and unmarried drivers, but it is still the most affordable option. Progressive gives married drivers a 12% discount, the highest in the state.

In general, drivers who are married pay a bit less for car insurance than single drivers — we found the average savings in Kentucky to be about 6%.

Company
Annual rate
Monthly rate
State Farm$1,334$111
Farm Bureau$1,473$123
Geico$2,599$217
Progressive$2,651$221
Nationwide$2,954$246
Allstate$3,276$273
USAA$1,549$129

USAA is only available to current and former military members and their families.

Married drivers may also be able to lower their rates even further by taking advantage of multi-driver and multi-vehicle discounts, which we didn't factor into our sample rates.

Cheapest car insurance for young drivers in Kentucky: Farm Bureau

Farm Bureau has the best minimum-coverage car insurance rates for young drivers in Kentucky, at $1,459 per year — 54% cheaper than the state average. State Farm offers young drivers the most affordable rates for full-coverage insurance, at $3,815 — 47% cheaper than the state average.

Company
Liability only
Full coverage
Farm Bureau$1,459$4,086
State Farm$1,665$3,815
Geico$3,905$8,789
Progressive$4,117$8,551
Allstate$4,480$10,963
Nationwide$5,290$10,696
USAA$1,218$3,041

USAA is only available to current and former military members and their families.

In general, younger drivers pay much more than older drivers for car insurance because they are more likely to file claims. In Kentucky, an 18-year-old driver with a clean record pays an average $3,162 for minimum coverage and $7,135 for full coverage.

Young drivers can often get a lower price on their insurance by sharing a policy with an older driver, such as a parent or relative. Typically, the cost to add an 18-year-old to an existing policy is much cheaper than buying separate policies.

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Cheapest car insurance for young drivers after a ticket: Farm Bureau

Younger drivers who have recently received a speeding ticket will find the cheapest rates with Farm Bureau, at $1,459 a year for minimum-coverage insurance. On average, insurance rates increase by 16% for young drivers with a speeding ticket. However, Farm Bureau does not penalize drivers for a single ticket — its rates are the same for drivers with a clean record.

Company
Annual rate
Monthly rate
Farm Bureau$1,459$122
State Farm$1,850$154
Geico$3,905$325
Progressive$4,516$376
Allstate$5,613$468
Nationwide$6,656$555
USAA$1,597$133

USAA is only available to current and former military members and their families.

Young drivers looking to lower their car insurance rates should consider a driver training course. Insurers often give discounts to teens who have completed additional training beyond what's required to get their license. You may also be able to save money if you have good grades, depending on your insurer.

Cheapest car insurance for young drivers after an accident: Farm Bureau

Farm Bureau also has the best price for young drivers with an at-fault accident on their record, at $1,769 a year for minimum coverage. That's less than half of what's typical across all the insurers we looked at.

Company
Annual rate
Monthly rate
Farm Bureau$1,769$147
State Farm$2,035$170
Geico$4,370$364
Progressive$4,936$411
Nationwide$5,897$491
Allstate$6,504$542
USAA$1,830$153

USAA is only available to current and former military members and their families.

Best car insurance companies in Kentucky

When you're shopping for car insurance, choosing an insurer you can count on is as important as finding the cheapest rate.

Farm Bureau has the best editor's rating and customer service score among Kentucky insurers, making it our pick for best insurance company in Kentucky.

Company
Editor's rating
JD Power
AM Best
Farm Bureau
866A
State Farm
859A++
Geico
843A++
Nationwide
831A+
Allstate
838A+
Progressive
828A+
USAA*
890A++

J.D. Power's Auto Claims Satisfaction Study is a yearly nationwide survey that asks insurance customers about their experience filing claims with their insurer. Higher scores are better, and the best possible rating is 1,000.

A.M. Best's Financial Strength Rating is a letter grade that describes the overall financial health of an insurance company and its ability to pay out claims. The best score available is "A++." All of the companies that we studied received a "Superior" or "Excellent" Financial Strength Rating.

Average car insurance rates in Kentucky by city

The cheapest car insurance in the state can be found in Erlanger, where rates are 36% less than the average price statewide. Drivers in Hoskinston and Goose Rock have the highest rates in the state — 47% more expensive than average.

Where you live can impact your auto insurance rates as much as your driving history. Full-coverage auto insurance in Kentucky fluctuates by nearly $2,000 from city to city.

City
Average annual rate
Percent from average
Aberdeen$2,097-13%
Adairville$1,860-23%
Adams$2,84918%
Adolphus$1,974-18%
Ages Brookside$3,04026%
Show All Rows

Kentucky auto insurance requirements

Like almost every state, Kentucky requires drivers to purchase a minimum amount of auto insurance coverage. By law, Kentucky drivers must have at least:

Coverage
Minimum limit
*Bodily injury liability$25,000 per person/$50,000 per accident
*Property damage liability$25,000 per accident
Personal injury protection (PIP)$10,000

*Drivers may opt for combined liability coverage of $60,000 per accident in lieu of separate bodily injury and property damage limits.

Personal injury protection (PIP) supplements your health insurance by covering medical bills and lost wages that may result from injuries in an accident, and is required for most drivers in Kentucky.

Kentucky is a no-fault state, which means that your PIP insurance will cover the medical costs of you and your passengers, regardless of who caused an accident. It also means that you cannot sue other drivers for medical expenses, lost wages or other related costs if the total is under $10,000.

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Drivers have the option to reject the limitation on filing a lawsuit, and therefore reject PIP coverage, by filing a form with the Kentucky Department of Insurance. However, you still need to carry guest PIP coverage on your insurance policy to protect passengers and pedestrians.

Recap of the cheapest car insurance in Kentucky

  • Minimum coverage: Farm Bureau
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: Farm Bureau
  • After a DUI: Farm Bureau
  • Poor credit history: State Farm
  • Married drivers: State Farm
  • Young drivers: Farm Bureau
  • Young drivers after a ticket: Farm Bureau
  • Young drivers after an accident: Farm Bureau

Frequently asked questions

Which company has the cheapest insurance in Kentucky?

We found that Farm Bureau has the best prices for minimum coverage in Kentucky, with an average price of $503 per year. Drivers who want full coverage or who have imperfect driving histories should look at State Farm, which has an average price of $1,334 annually for full coverage.

What is the minimum auto insurance coverage in Kentucky?

Kentucky state law requires at least $25,000/$50,000 of bodily injury liability and $25,000 in property damage coverage, or $60,000 in combined liability coverage, in order to drive a car on public roads, plus at least $10,000 in personal injury protection.

How much does car insurance cost in Kentucky?

The average cost of a minimum-coverage policy in Kentucky is $1,027 per year. The average cost of a full-coverage policy is $2,408 annually.

Why is car insurance so expensive in Kentucky?

With an average cost of $2,408 per year for full coverage, Kentucky is the seventh-most expensive state in the country for car insurance. Car insurance rates are set using a variety of factors, but Kentucky had the fourth-highest number of road deaths per mile traveled in the country in 2019, according to the National Highway Traffic Safety Administration.

How much does car insurance cost in Louisville versus Lexington?

Car insurance in Lexington is much cheaper than in Louisville. Drivers in Lexington can expect to pay $1,887 for full-coverage auto insurance, on average. That's 22% less than the state average. On the other hand, insurance costs in Louisville are 2% above state average, at $2,459 a year.

Methodology

We collected thousands of rates from ZIP codes across Kentucky for the state's largest insurers. Rates are for a 30-year-old male who drives a 2015 Honda Civic EX and has average credit.

The base policy for the study is a full-coverage policy with the following limits:

Coverage
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection (PIP)$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, rates are for a policy with the minimum required limits in Kentucky. For other rates analyses (driving history, credit and marital status), the base policy listed above was altered to reflect the driver. Quotes for young drivers are based on minimum coverage limits.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.