Who Has the Cheapest Car Insurance Quotes in Kentucky?

Find the Cheapest Auto Insurance Quotes in Your Area

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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 $3,418.

But rates in Kentucky can vary widely by city, insurance provider, and the driver's record and personal details. State Farm 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. In the most affordable city, policies cost nearly $2,000 less than policies in the most expensive city, on average.

Enter your ZIP code above for a list of the top companies in your neighborhood, or read more below.

Cheapest car insurance in Kentucky

We analyzed rates from a host of carriers in Kentucky and found State Farm and Kentucky Farm Bureau to be the cheapest widely available auto insurance companies in the state. In fact, these two insurers and USAA were the only Kentucky car insurance companies to offer rates below the state average, given the high prices of its competitors.

This graph shows who offers the most affordable car insurance rates in Kentucky.
This graph shows who offers the most affordable car insurance rates in Kentucky.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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Policies through Nationwide, Progressive, GEICO and Allstate all cost more than $3,800. In the case of Allstate, our driver was priced at almost $6,200 per year. That's why it's important for Kentucky residents to get and compare at least three different quotes to find affordable auto insurance.

Below, you'll find a table of rates from our seven sample Kentucky auto insurers. The companies are ranked from the lowest rates to the most expensive:

RankInsurerAverage annual rate
1State Farm$1,726
2Kentucky Farm Bureau$2,205
3Nationwide$3,801
4Progressive$3,890
5GEICO$4,019
6Allstate$6,198
N/A*USAA$2,085
USAA was not ranked in this study as it is only available for military members, veterans and their families

Cheapest insurer 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 for our sample driver.

  • State Farm priced our driver at $1,726 per year, or $144 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 excluding USAA. This insurer charged our driver $2,205 per year, or $184 per month. Although you'll have to pay a fee to become a member of the Farm Bureau, the total costs will 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.

  • Comprehensive insurance protects you from perils unrelated to driving, such as hail or flood damage.
  • Collision insurance protects you from the costs of repairing your car after a collision with another vehicle or object, such as a tree, when you're at fault.

Cheapest insurer for minimum coverage: State Farm

If you only want to buy the minimum auto insurance coverage required in Kentucky, State Farm is still the cheapest option. 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.

RankCompanyMinimum policy rate
1State Farm$621
2Kentucky Farm Bureau$701
3Progressive$1,607
4GEICO$1,610
5Nationwide$1,766
6Allstate$2,346
N/A*USAA$718
USAA was not included in this analysis as only military members, veterans and their families qualify for a policy

Kentucky residents looking for the cheapest option can get a minimum-coverage policy. But we recommend you buy as much liability 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.

A minimum-coverage policy also excludes comprehensive and collision insurance, which protects your own vehicle when you're at fault in an accident.

Cheapest insurer for drivers with an accident history: State Farm

Kentucky drivers who have been in an auto accident should also look at State Farm. Not only was it the cheapest insurer among the sample for a driver with a clean record, it also penalized our driver the least of any insurer. Rates with State Farm only increased by $288 per year after an accident, for a total of $2,014 per year.

Kentucky Farm Bureau was the second-cheapest insurer after an accident, but it penalized our driver more severely than State Farm, raising rates by $751 per year.

RankCompanyRate after accidentRate before accidentDifference
1State Farm$2,014$1,726$288
2Kentucky Farm Bureau$2,956$2,205$751
3GEICO$5,714$4,019$1,695
4Nationwide$5,895$3,801$2,094
5Progressive$6,445$3,890$2,554
6Allstate$10,427$6,198$4,229
N/A*USAA$3,047$2,085$961

Among these Kentucky insurers, car insurance rates increased an average of 47% after an accident. However, the variability in rates means Kentucky residents should always shop around. Whereas State Farm charges drivers 17% more after an accident — the smallest increase in our analysis — Allstate charged drivers 68% more, which is the largest increase in our sample.

Best car insurance companies in KY

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 — the most expensive insurer in the state, and more widely available than USAA — ranked second for overall satisfaction, indicating Kentucky customers are willing to pay extra for stellar customer service.

Satisfaction rankInsurer"Extremely satisfied" respondents% of respondents who thought customer service "excellent"
1USAA68%62%
2Allstate64%47%
3State Farm59%46%
4GEICO56%42%
5Progressive51%34%
N/AKentucky Farm BureauN/AN/A
N/ANationwideN/AN/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. 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 is not required in all states, and it supplements your health insurance by covering medical bills and lost wages that 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. You should also consider purchasing enough liability insurance per accident to cover your net worth.

Cheapest auto insurance in Kentucky by city

The table below lists the 50 largest cities in Kentucky along with the three cheapest insurers in each city, where data was available. State Farm ranked as the cheapest insurer in all 50 cities, with the second and third cheapest insurer generally alternating between USAA and Kentucky Farm Bureau.

Your actual rates will be different based on your own driving history, vehicle and coverage selected.

CityCompanyAnnual premium
AlexandriaState Farm$1,211
USAA$1,758
Kentucky Farm Bureau$1,860
AshlandState Farm$1,333
Kentucky Farm Bureau$1,742
USAA$1,890
BardstownState Farm$1,511
USAA$2,047
Kentucky Farm Bureau$2,320
BereaState Farm$1,416
Kentucky Farm Bureau$1,526
USAA$1,971
Bowling GreenState Farm$1,165
USAA$1,722
Kentucky Farm Bureau$1,939
CampbellsvilleState Farm$1,666
Kentucky Farm Bureau$1,991
USAA$2,023
Cold SpringState Farm$1,162
USAA$1,730
Kentucky Farm Bureau$1,860
CorbinState Farm$1,675
USAA$2,187
Kentucky Farm Bureau$2,758
CovingtonState Farm$1,315
USAA$1,845
Kentucky Farm Bureau$2,141
CynthianaState Farm$1,437
Kentucky Farm Bureau$1,756
USAA$1,974
DanvilleState Farm$1,373
Kentucky Farm Bureau$1,728
USAA$2,021
EdgewoodState Farm$1,236
USAA$1,682
Kentucky Farm Bureau$2,141
ElizabethtownState Farm$1,246
USAA$1,879
Kentucky Farm Bureau$2,154
FlatwoodsState Farm$1,335
Kentucky Farm Bureau$1,971
USAA$1,983
FlorenceState Farm$1,211
USAA$1,663
Kentucky Farm Bureau$2,050
Fort ThomasState Farm$1,169
USAA$1,674
Kentucky Farm Bureau$1,860
FrankfortState Farm$1,343
Kentucky Farm Bureau$1,642
USAA$1,938
FranklinState Farm$1,294
Kentucky Farm Bureau$1,797
USAA$1,873
GeorgetownState Farm$1,267
USAA$1,854
Kentucky Farm Bureau$1,961
GlasgowState Farm$1,342
Kentucky Farm Bureau$1,805
USAA$1,890
HarrodsburgState Farm$1,364
Kentucky Farm Bureau$1,837
USAA$2,021
HendersonState Farm$1,465
USAA$1,799
Kentucky Farm Bureau$1,816
HopkinsvilleState Farm$1,488
USAA$1,820
Kentucky Farm Bureau$1,842
IndependenceState Farm$1,255
USAA$1,829
Kentucky Farm Bureau$2,195
JeffersontownState Farm$1,210
Kentucky Farm Bureau$1,939
USAA$2,001
LawrenceburgState Farm$1,333
Kentucky Farm Bureau$1,953
USAA$2,019
LeitchfieldState Farm$1,699
USAA$1,903
Nationwide$2,563
LexingtonState Farm$1,257
USAA$1,845
Kentucky Farm Bureau$1,914
LondonState Farm$1,599
USAA$2,149
Kentucky Farm Bureau$2,295
LouisvilleState Farm$1,776
USAA$2,339
Kentucky Farm Bureau$2,595
MadisonvilleState Farm$1,711
USAA$1,820
Kentucky Farm Bureau$1,933
MayfieldState Farm$1,600
Kentucky Farm Bureau$2,010
USAA$2,024
MaysvilleState Farm$1,446
Kentucky Farm Bureau$1,634
USAA$1,954
MiddlesboroughState Farm$1,742
Kentucky Farm Bureau$2,068
USAA$2,170
MoreheadState Farm$1,501
USAA$1,816
Kentucky Farm Bureau$1,905
Mount WashingtonState Farm$1,332
USAA$2,082
Kentucky Farm Bureau$2,135
MurrayState Farm$1,518
USAA$1,616
Kentucky Farm Bureau$2,025
NewportState Farm$1,293
USAA$1,790
Kentucky Farm Bureau$1,860
NicholasvilleState Farm$1,306
Kentucky Farm Bureau$1,587
USAA$1,994
Oak GroveState Farm$1,449
USAA$1,706
Kentucky Farm Bureau$1,842
OwensboroState Farm$1,162
USAA$1,777
Kentucky Farm Bureau$1,816
PikevilleState Farm$1,975
USAA$2,421
Kentucky Farm Bureau$2,530
RadcliffState Farm$1,270
USAA$1,754
Kentucky Farm Bureau$2,154
RichmondState Farm$1,335
Kentucky Farm Bureau$1,526
USAA$1,779
RussellvilleState Farm$1,424
Kentucky Farm Bureau$1,589
USAA$1,898
ShelbyvilleState Farm$1,512
USAA$1,929
Kentucky Farm Bureau$1,959
SomersetState Farm$1,654
Kentucky Farm Bureau$1,937
USAA$2,151
VersaillesState Farm$1,264
USAA$1,881
Kentucky Farm Bureau$1,882
WilmoreState Farm$1,316
Kentucky Farm Bureau$1,587
USAA$1,994
WinchesterState Farm$1,322
Kentucky Farm Bureau$1,817
USAA$2,106

Here's a closer look at auto insurance quotes for the five biggest cities in Kentucky:

  • Louisville
  • Lexington
  • Bowling Green
  • Owensboro
  • Covington

Car insurance quotes in Louisville, Kentucky

  • The average annual premium is $3,848 per year, which is 13% higher than the state average.
  • It's the third most expensive city out of 50.
  • The cheapest company for auto insurance is State Farm, with policies around $1,776 per year.

Louisville is one of the most expensive cities in Kentucky to insure a car. Our sample driver paid 13% above the state average. The city has a wide range of rates, with the most expensive insurer, Allstate, costing an average of $6,599 per year.

After Louisville, our next four big cities are actually cheaper than the state average.

Auto insurance quotes in Lexington, Kentucky

  • The average annual premium is $2,620 per year, which is 23% lower than the state average.
  • It's the 16th cheapest city for auto insurance, out of 50.
  • The cheapest insurer is State Farm, at $1,257 per year.

Lexington, like many of the other big cities in Kentucky, is actually relatively cheap for auto insurance. Despite having the second largest population in the state, it easily ranks in the top half of the 50 most populous Kentucky cities for affordability.

Auto insurance quotes in Bowling Green, Kentucky

  • The average annual quote is $2,467 per year, which is 28% lower than the state average.
  • It's the fifth cheapest city for auto insurance out of 50.
  • State Farm, USAA and Kentucky Farm Bureau all cost less than $2,000 per year.

Despite its size, Bowling Green is one of the cheapest cities in Kentucky to insure a car. Allstate is markedly cheaper in Bowling Green than it is in many other cities, at $3,896 per year. Given its strong customer service reputation, Bowling Green residents should see if they can get a reasonable quote from Allstate.

Auto insurance quotes in Owensboro, Kentucky

  • The average annual quote is $2,430 per year, which is 29% lower than the state average.
  • It's the third cheapest city for auto insurance out of 50 and the cheapest among the largest five cities.
  • The three cheapest insurers have an average annual premium of $1,585.

Owensboro is the cheapest big city in Kentucky for car insurance. State Farm, USAA and Kentucky Farm Bureau all gave our sample driver annual rates under $2,000 per year. Nationwide and Progressive also provide alternative affordable options, charging $2,261 and $2,347 per year, respectively.

Auto insurance quotes in Covington, Kentucky

  • The average annual policy quote is $2,549 per year, which is 25% lower than the state average.
  • It's the ninth cheapest city for auto insurance out of 50.
  • State Farm is the cheapest insurer, with average yearly rates of $1,315.

State Farm is easily the cheapest option in Covington, but shoppers looking for a reasonable full-coverage quote could also look to USAA (if they qualify) or Kentucky Farm Bureau.

Average car insurance rates in Kentucky by city

The overall average cost of car insurance in Kentucky was $3,418 per year based on our sample driver. But premiums can vary widely based on where you live. Below, we show the average annual premiums for car insurance in Kentucky for the 50 most populous cities where data was available.

  • Fort Thomas rated as the cheapest city, with car insurance costing $2,361 per year.
  • Pikeville rated as the priciest city, with car insurance premiums averaging $4,309 per year.
RankCityAverage annual car insurance rates
1Fort Thomas$2,361
2Cold Spring$2,417
3Owensboro$2,430
4Edgewood$2,444
5Bowling Green$2,467
6Florence$2,471
7Alexandria$2,509
8Independence$2,526
9Covington$2,549
10Richmond$2,549
11Newport$2,560
12Murray$2,574
13Versailles$2,592
14Franklin$2,609
15Nicholasville$2,618
16Lexington$2,620
17Glasgow$2,620
18Berea$2,622
19Hopkinsville$2,634
20Wilmore$2,636
21Georgetown$2,658
22Frankfort$2,658
23Lawrenceburg$2,660
24Russellville$2,661
25Mayfield$2,661
26Oak Grove$2,662
27Henderson$2,664
28Danville$2,682
29Cynthiana$2,691
30Winchester$2,697
31Harrodsburg$2,737
32Elizabethtown$2,739
33Radcliff$2,751
34Madisonville$2,759
35Maysville$2,786
36Campbellsville$2,863
37Morehead$2,874
38Leitchfield$2,877
39Shelbyville$2,882
40Ashland$2,887
41Flatwoods$2,924
42Jeffersontown$2,974
43Bardstown$3,097
44Mount Washington$3,148
45Somerset$3,222
46London$3,390
47Corbin$3,419
48Louisville$3,848
49Middlesborough$3,892
50Pikeville$4,309

Methodology

We collected thousands of rates from ZIP codes across Kentucky for seven large insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Has a fair to poor credit history

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

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
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, which were cited earlier in the piece.

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.

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