We reviewed the top car insurance companies in Kentucky and found that Kentucky Farm Bureau has the best rates for a minimum-coverage policy ($698 per year), while State Farm has the lowest rates for full coverage ($1,610).
ValuePenguin looked into car insurance rates in Kentucky across hundreds of cities and seven major auto insurance providers in the state. Using our sample driver profile, the average cost of car insurance in Kentucky is $775 for a six-month minimum-coverage policy, or $1,549 per year.
But rates in Kentucky can vary widely by city, insurance provider, coverage levels and the driver's record and personal details. Kentucky Farm Bureau is our pick for the cheapest car insurance in Kentucky, but another insurer may be the cheapest for a driver with a different profile and vehicle.
Enter your ZIP code above for a list of the top companies in your neighborhood, or read more below.
Cheapest car insurance in Kentucky
If you only want to buy the minimum auto insurance coverage required in Kentucky, Kentucky Farm Bureau is the cheapest option, on average. Our sample driver paid $621 per year with State Farm, which is less than half the average cost for an equivalent policy among our sample insurers.
Find Cheap Auto Insurance Quotes in Kentucky
Kentucky residents looking for the cheapest option can get a minimum-coverage policy. But we recommend you buy as much liability car insurance as you can afford, as it will protect you against the expensive costs of bodily injury or property damage to others if you are at fault in a crash.
Learn how we conducted this analysis in our: Methodology
A minimum-coverage policy also excludes comprehensive and collision insurance, which protects your own vehicle when you're at fault in an accident.
Cheapest company for full coverage: State Farm
If you're looking for a quote for a full-coverage policy, State Farm and Kentucky Farm Bureau were the most affordable insurers for our sample driver.
|Kentucky Farm Bureau||$2,099||$175|
State Farm priced our driver at $1,610 per year, or $134 per month, for a full-coverage policy. It was the cheapest insurer in the state. Kentucky Farm Bureau was the second-cheapest insurer in the state. This insurer charged our driver $2,099 per year, or $175 per month. Although you'll have to pay a fee to become a member of the Farm Bureau, the total costs still beat every other insurer aside from State Farm and USAA.
Whereas a minimum-coverage policy includes the standard liability insurance and personal injury protection required by Kentucky, full-coverage policies add comprehensive and collision insurance.
Cheap car insurance for drivers with prior incidents
If you have a recent incident on your record, like an at-fault accident or a moving violation, you are very likely to pay higher rates. We've found the insurers in Kentucky that offer the most affordable car insurance to drivers with imperfect driving histories.
Cheapest for drivers with an accident: State Farm
If you were recently involved in an accident, you're likely to see higher costs for car insurance increase. On average, we found that Kentucky drivers with one recent accident will see their rates increase by up to 48%.
However, some insurers don't apply changes as drastic — State Farm only increased its rates by 17%, and Kentucky Farm Bureau didn't change its rates at all.
|Kentucky Farm Bureau||$2,099||$175|
Cheapest car insurance for people with a speeding ticket: State Farm
Insurers also consider any recent driving infractions when setting your insurance rates. We found that the average price for insurance after one speeding ticket is $3,707 per year, but you can save nearly $2,000 by going with State Farm.
|Kentucky Farm Bureau||$2,099||$175|
Kentucky Farm Bureau did not raise our sample driver's rates at all after a speeding violation, but it still wasn't as cheap as State Farm. Still, it's a great second option for those looking to save on insurance after a speeding ticket.
Cheapest car insurance for drivers with a DUI: State Farm
Drivers with one DUI in Kentucky will find the best prices at State Farm, where the typical price is $1,744 per year. That's $1,659 less than the next-cheapest insurer, Progressive, and 64% less than the average price we saw statewide.
|Kentucky Farm Bureau||$4,919||$410|
A DUI conviction is a very serious offense, and it can make your car insurance premiums increase dramatically. 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
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.
We found that State Farm has the cheapest car insurance for drivers with bad credit in Kentucky, at an average rate of $2,574 per year. It's a few hundred dollars cheaper than Geico, the second-most affordable option, and 34% less than the average we found statewide.
|Kentucky Farm Bureau||$3,814||$318|
Cheapest car insurance for married drivers: State Farm
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 5%. The cheapest insurer for married drivers is State Farm, with an average annual cost of $1,610. State Farm didn't offer our sample driver a discount for being married, but it was still the most affordable option.
|Kentucky Farm Bureau||$2,099||$175|
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: State Farm
In general, younger drivers pay much more than older drivers for car insurance because they are more likely to file claims. We found that an 18-year-old driver in Kentucky with no driving incidents pays an average of $8,132 for full coverage, or $4,996 for minimum coverage.
However, younger drivers can reduce their rates by choosing a less expensive insurance company. Kentucky Farm Bureau customers who are 18 years old pay an average of $2,020 per year for car insurance.
|State Farm||$4,664||Rates not available|
|Kentucky Farm Bureau||$5,811||$2,020|
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: State Farm
Younger drivers with a recent at-fault accident are likely to see even higher rates because drivers who have been in one accident are statistically more likely to get in another. We found that State Farm has the best price for a young driver who recently got in an accident, at $5,565 per year for full coverage. That's a little more than half of what's typical across all the insurers we looked at.
|Kentucky Farm Bureau||$6,997||$583|
Younger drivers can often get a lower price on insurance by sharing their policy with an older driver, like a parent or older relative. Typically, the cost to add an 18-year-old to an existing policy is much cheaper than buying their own.
Cheapest for young drivers with one speeding ticket: State Farm
For younger drivers who were recently convicted of a speeding ticket, our top recommendation for affordability is State Farm. There you'll find a typical rate of $5,114 per year. Kentucky Farm Bureau is also relatively affordable, with an average price of $5,811 annually.
|Kentucky Farm Bureau||$5,811||$484|
If you're looking to lower your rates as an 18-year-old with car insurance, try looking into a young driver training course. Insurers often give discounts for teens who have completed additional training beyond what's needed to get their license. You might also be able to save if you have good grades, depending on the insurer.
Best car insurance companies in Kentucky
Price isn't everything, and USAA ranks as the best insurance company in Kentucky, according to our consumer survey on customer satisfaction. USAA — only available to active service members, veterans and their families — was the only insurer in which more than 60% of its customers were extremely satisfied and found its customer service excellent.
Allstate — which is available to more people than USAA, although it’s much more expensive — ranked second for overall satisfaction, indicating that Kentucky customers are willing to pay extra for stellar customer service.
"Extremely satisfied" respondents
% of respondents who thought customer service "excellent"
|N/A||Kentucky Farm Bureau||N/A||N/A|
To help Kentucky insurance shoppers make an informed decision, we also gathered customer service information from three other key sources: the National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best.
2019 NAIC Complaint Index
2020 J.D. Power claims satisfaction rating
AM Best rating
|Kentucky Farm Bureau||0.50||—||A|
The NAIC Complaint Index compares how many complaints an insurer received with its size. A smaller number means the company had fewer complaints, and the national average score is 1.00.
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 1000.
AM 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++.
Minimum state requirements for car insurance in Kentucky
Like almost every state, Kentucky requires its drivers to buy a minimum amount of auto insurance coverage. State law says that Kentucky drivers, at a minimum, must have:
- $25,000 in bodily injury liability insurance per person
- $50,000 in bodily injury liability insurance per accident
- $25,000 in property damage liability insurance per accident
- $10,000 in personal injury protection
Personal injury protection (PIP) is required in Kentucky, meaning Kentucky is a no-fault state. PIP coverage supplements your health insurance by covering medical bills and lost wages that may result from injuries in an accident.
Not included in these requirements are collision and comprehensive insurance, which are part of a full-coverage policy. We recommend full coverage if your car is worth at least $3,000.
Average car insurance rates in Kentucky by city
For our sample driver, the average cost of car insurance in Kentucky was $1,549 per year for a minimum-coverage policy and $2,906 per year for a full-coverage policy. But premiums can vary widely based on where you live.
Below, we compare average annual premiums for full-coverage car insurance in Kentucky for every city in the state.
- Fort Thomas is the cheapest city, with car insurance costing $2,084 per year.
- Goose Rock is the most expensive city, with car insurance premiums averaging $4,318 per year.
Average annual cost
Percent from average
Auto insurance rate changes by company in Kentucky
Across the 10 largest auto insurance providers in Kentucky, rates have fallen by an average of 4.1% in 2020. The largest premium cut occurred at State Farm, which dropped its premiums by 13.3% — more than four times greater than the closest competitor.
The primary reason companies lowered their auto insurance premiums in 2020 is the pandemic. Coronavirus has forced people to drive less, which also reduced the number of auto claims paid out by insurance companies. This allowed providers to give cheaper rates and even offer refunds to some customers.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|Kentucky Farm Bureau||$590.7||-2.0%||-0.9%|
Recap of the cheapest auto insurance in Kentucky
- Minimum coverage: Kentucky Farm Bureau
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: Kentucky Farm Bureau
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with one speeding ticket: State Farm
We collected thousands of rates from ZIP codes across Kentucky for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Kentucky, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.