Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes in Kentucky?

Find the Cheapest Insurance Quotes in Your Area

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Where drivers live and park their cars in the Bluegrass State can play a significant role in how much they pay for auto insurance. To find out how much rates can vary across Kentucky, we analyzed car insurance quotes for one typical driver across 16 companies. We found that the average annual cost for our benchmark drivers was $1,885, but premiums vary by about $3,102 between the cheapest and most expensive companies - a policy from the costliest carrier could cover 3 years of insurance at the cheapest one. That's why it's important to get and compare at least three different quotes to find affordable auto insurance. Enter your zip above for a list of the top companies in your neighborhood, or read more below.

Cheapest Car Insurance in Kentucky

We analyzed rates from 16 carriers for a thirty year old single male sample driver living in 94 cities and towns to determine who the cheapest auto insurance companies in Kentucky were. The rates displayed are annual premiums for a standard liability policy with limits of 50/100/25 for both liability and uninsured motorist coverage. Here are the five carriers with the lowest rates:

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

Find the Cheapest Auto Insurance Quotes in Your Area

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The Cincinnati largely dominates with the best rates for auto insurance in the state. Their annual premiums are about 19% lower than the 2nd most affordable company, Progressive for our sample man. Grange Mutual, State Farm, Kentucky Farm Bureau, and GEICO round out the top five cheap providers.

To put things into perspective, here is a table illustrating all 16 Kentucky auto insurers that we collected quotes for our benchmark motorists. The companies are ranked from the lowest costs to the most expensive:

CompanyYearly Rate
The Cincinnati$1,025
Progressive$1,272
Grange Mutual$1,303
Kentucky Farm Bureau$1,316
GEICO$1,424
Motorists Mutual$1,433
State Farm$1,508
Westfield$1,668
Nationwide$1,881
Allstate$1,899
State Auto$1,990
Safe Auto$2,008
Encompass$2,023
Electric$2,410
Shelter$2,877
MetLife$4,127

Cheapest Auto Insurance in Kentucky: By City

If you're interested in a more local view, take a look at our table below. It shows the three companies in the ten largest cities in the Bluegrass State with the best car insurance rates, along with the average annual premiums for our male motorist’s 50/100/50 policy. Your actual rates will be different based on your own driving history, vehicle, and coverage selected.

CityCompanyYearly Rate
AlbanyThe Cincinnati$1,080
Kentucky Farm Bureau$1,092
Motorists Mutual$1,116
AshlandThe Cincinnati$804
Kentucky Farm Bureau$1,104
Grange Mutual$1,224
BarbourvilleThe Cincinnati$1,152
Grange Mutual$1,284
GEICO$1,583
BardstownThe Cincinnati$840
Grange Mutual$1,200
Progressive$1,244
BedfordThe Cincinnati$1,092
Progressive$1,284
Motorists Mutual$1,296
BentonThe Cincinnati$828
Progressive$1,075
Motorists Mutual$1,104
Bowling GreenGrange Mutual$996
Progressive$1,087
Kentucky Farm Bureau$1,128
BrandenburgThe Cincinnati$1,032
Kentucky Farm Bureau$1,284
Progressive$1,317
BrooksvilleThe Cincinnati$1,080
Progressive$1,136
Motorists Mutual$1,296
BurkesvilleThe Cincinnati$1,104
Motorists Mutual$1,116
Grange Mutual$1,200
CadizThe Cincinnati$876
Progressive$1,117
Motorists Mutual$1,128
Calvert CityThe Cincinnati$828
Motorists Mutual$1,104
Progressive$1,141
CampbellsvilleThe Cincinnati$840
Motorists Mutual$1,116
Progressive$1,187
Clay CityThe Cincinnati$1,140
GEICO$1,226
Progressive$1,311
ColumbiaThe Cincinnati$840
Motorists Mutual$1,188
Progressive$1,195
CorbinThe Cincinnati$1,152
Grange Mutual$1,404
GEICO$1,583
CovingtonThe Cincinnati$840
Grange Mutual$948
Motorists Mutual$1,164
CynthianaThe Cincinnati$1,068
Kentucky Farm Bureau$1,092
Progressive$1,229
DanvilleThe Cincinnati$792
Kentucky Farm Bureau$1,092
Grange Mutual$1,164
Dawson SpringsThe Cincinnati$876
Grange Mutual$1,056
Motorists Mutual$1,128
EddyvilleThe Cincinnati$912
Progressive$1,073
Grange Mutual$1,176
ElizabethtownThe Cincinnati$780
Kentucky Farm Bureau$1,212
GEICO$1,213
EminenceThe Cincinnati$1,092
Grange Mutual$1,140
Kentucky Farm Bureau$1,176
FalmouthThe Cincinnati$828
Progressive$1,245
Motorists Mutual$1,296
FrankfortThe Cincinnati$900
Kentucky Farm Bureau$972
Grange Mutual$1,092
FranklinGrange Mutual$1,032
The Cincinnati$1,116
Kentucky Farm Bureau$1,140
GeorgetownThe Cincinnati$792
Grange Mutual$1,080
Motorists Mutual$1,236
GlasgowThe Cincinnati$912
Kentucky Farm Bureau$1,068
Grange Mutual$1,092
GraysonGrange Mutual$1,140
Progressive$1,194
The Cincinnati$1,200
GreensburgThe Cincinnati$840
Motorists Mutual$1,116
Progressive$1,228
HarlanGrange Mutual$1,272
Kentucky Farm Bureau$1,272
The Cincinnati$1,356
HarrodsburgProgressive$1,311
The Cincinnati$1,356
GEICO$1,403
HartfordThe Cincinnati$1,056
Progressive$1,073
Kentucky Farm Bureau$1,152
HawesvilleProgressive$1,056
The Cincinnati$1,056
Motorists Mutual$1,176
HazardThe Cincinnati$1,356
Progressive$1,500
Grange Mutual$1,716
HendersonThe Cincinnati$876
Grange Mutual$1,116
Kentucky Farm Bureau$1,128
HindmanThe Cincinnati$1,356
Kentucky Farm Bureau$1,524
Progressive$1,556
HodgenvilleThe Cincinnati$780
Motorists Mutual$1,116
Kentucky Farm Bureau$1,260
HopkinsvilleThe Cincinnati$888
Motorists Mutual$1,116
Kentucky Farm Bureau$1,116
Horse CaveThe Cincinnati$1,104
Motorists Mutual$1,116
Progressive$1,148
IrvineThe Cincinnati$1,128
Progressive$1,229
GEICO$1,292
JacksonThe Cincinnati$1,356
Progressive$1,512
Kentucky Farm Bureau$1,656
JamestownKentucky Farm Bureau$1,056
The Cincinnati$1,080
Motorists Mutual$1,116
La CenterThe Cincinnati$1,044
Progressive$1,146
GEICO$1,163
La GrangeThe Cincinnati$900
Grange Mutual$1,140
Kentucky Farm Bureau$1,176
LancasterThe Cincinnati$900
Grange Mutual$1,152
Kentucky Farm Bureau$1,188
LawrenceburgThe Cincinnati$1,008
Progressive$1,170
Kentucky Farm Bureau$1,200
LebanonThe Cincinnati$840
Grange Mutual$1,320
Progressive$1,338
LeitchfieldThe Cincinnati$1,140
Progressive$1,141
GEICO$1,216
LexingtonThe Cincinnati$792
Motorists Mutual$1,020
Grange Mutual$1,068
LibertyThe Cincinnati$1,092
Progressive$1,307
Motorists Mutual$1,404
LondonThe Cincinnati$1,152
Grange Mutual$1,416
Kentucky Farm Bureau$1,464
LouisaGrange Mutual$1,272
The Cincinnati$1,356
GEICO$1,361
LouisvilleThe Cincinnati$900
Grange Mutual$1,176
GEICO$1,209
MadisonvilleThe Cincinnati$876
Grange Mutual$1,116
Motorists Mutual$1,128
MarionThe Cincinnati$1,044
Progressive$1,073
Grange Mutual$1,212
MaysvilleThe Cincinnati$864
Kentucky Farm Bureau$996
Progressive$1,160
MiddlesboroughThe Cincinnati$1,164
Kentucky Farm Bureau$1,308
Progressive$1,465
MonticelloThe Cincinnati$1,092
Motorists Mutual$1,116
GEICO$1,218
MoreheadProgressive$1,146
The Cincinnati$1,164
Kentucky Farm Bureau$1,200
MorganfieldProgressive$1,048
The Cincinnati$1,080
Grange Mutual$1,116
Mount SterlingThe Cincinnati$1,092
Kentucky Farm Bureau$1,164
Progressive$1,262
MurrayThe Cincinnati$900
Grange Mutual$1,032
Progressive$1,056
NicholasvilleThe Cincinnati$924
Kentucky Farm Bureau$948
Grange Mutual$1,032
OwensboroThe Cincinnati$816
Grange Mutual$948
Motorists Mutual$1,068
OwentonThe Cincinnati$1,068
Progressive$1,248
Motorists Mutual$1,296
PaducahThe Cincinnati$912
Kentucky Farm Bureau$1,188
Progressive$1,242
PaintsvilleKentucky Farm Bureau$1,176
The Cincinnati$1,356
Grange Mutual$1,584
PikevilleThe Cincinnati$1,356
Kentucky Farm Bureau$1,608
GEICO$1,756
PrestonsburgKentucky Farm Bureau$1,320
The Cincinnati$1,356
Progressive$1,798
PrincetonThe Cincinnati$1,044
Progressive$1,103
Grange Mutual$1,236
ProvidenceThe Cincinnati$900
Progressive$1,142
Grange Mutual$1,380
RichmondThe Cincinnati$804
Kentucky Farm Bureau$960
Grange Mutual$1,152
Russell SpringsKentucky Farm Bureau$1,056
The Cincinnati$1,080
Motorists Mutual$1,116
RussellvilleKentucky Farm Bureau$960
Grange Mutual$984
The Cincinnati$1,080
SalyersvilleThe Cincinnati$1,356
Kentucky Farm Bureau$1,764
Progressive$1,796
ScottsvilleThe Cincinnati$1,068
Progressive$1,107
Motorists Mutual$1,116
ScottsvilleGrange Mutual$1,116
The Cincinnati$900
Progressive$1,070
SebreeGrange Mutual$1,188
The Cincinnati$912
Grange Mutual$1,212
ShelbyvilleKentucky Farm Bureau$1,212
The Cincinnati$924
Grange Mutual$1,284
ShepherdsvilleKentucky Farm Bureau$1,320
The Cincinnati$1,044
Progressive$1,161
SmithlandGrange Mutual$1,296
The Cincinnati$1,020
Kentucky Farm Bureau$1,200
SomersetMotorists Mutual$1,236
The Cincinnati$1,092
Grange Mutual$1,212
SpringfieldProgressive$1,251
The Cincinnati$1,092
Kentucky Farm Bureau$1,188
StanfordProgressive$1,217
Progressive$1,051
The Cincinnati$1,080
SturgisKentucky Farm Bureau$1,200
The Cincinnati$972
Grange Mutual$1,140
TaylorsvilleKentucky Farm Bureau$1,308
Kentucky Farm Bureau$1,056
Motorists Mutual$1,116
TompkinsvilleThe Cincinnati$1,128
The Cincinnati$960
Kentucky Farm Bureau$1,056
VanceburgProgressive$1,151
The Cincinnati$912
Grange Mutual$1,080
VersaillesProgressive$1,153
The Cincinnati$1,092
Progressive$1,099
WarsawMotorists Mutual$1,296
The Cincinnati$1,356
Kentucky Farm Bureau$1,440
WhitesburgProgressive$1,520
The Cincinnati$1,164
Progressive$1,383
Whitley CityGEICO$1,437
The Cincinnati$828
Progressive$1,186
WilliamstownGrange Mutual$1,200
The Cincinnati$792
Motorists Mutual$1,020
WinchesterKentucky Farm Bureau$1,116

Louisville, KY

Thanks to its central location in the U.S., Louisville residents are a day's reach from a majority of other cities in the U.S. by road through its network of Interstates 64, 65, and 71. The city is famous for its bourbon - residents no doubt have a favorite distillery for the best mint juleps during the Kentucky Derby at Churchill Downs. Bourbon and racing aside, the city performed well compared to other locations in the state. It costs our sample driver about $1,757 to insure a car in Louisville, which placed the city 7% lower than the state average.

Drivers looking for the cheapest auto insurance rates in Louisville should include Cincinnati Insurance, Grange Mutual, and GEICO in their shortlist of companies to get quotes from. These three companies had the lowest rates out of the 16 insurers we looked at, averaging $1,095 for our sample driver for a policy with liability limits of 50/100/25. This was 38% or $662 cheaper than what the typical carrier charged in Louisville. There are membership dues of $25 to the Kentucky Farm Bureau for residents in Jefferson County. Motorists Mutual rounds out the five cheapest companies here. When combined, the top five lowest-cost carriers had an average rate that was $1,161, and cost 34% less versus the city mean.

This graph identifies and ranks the five companies in Louisville with the best auto insurance rates.

Lexington, KY

Known as the “Horse Capital of the World,” Lexington is the second largest city in Kentucky. The city is home to some of the most well-known race courses in the world, including Keeneland, which hosts the Blue Grass Stakes. The city relies on government and technology jobs for economic growth and stability. It is also home to the University of Kentucky, the city’s largest employer. Drivers in Lexington will pay an average annual rate of $1,510. That’s 20% less than the state mean! 

Cincinnati Insurance, Motorists Mutual, and Grange Mutual were three of the most affordable car insurance companies in Lexington, KY. Our single driver found average rates as low as $792 for a standard liability policy for their 2011 Toyota, which was a discount of $718 or 48% from the Lexington-wide mean. The remaining four insurance companies had quotes that weren’t far behind each other. Keep in mind that the Kentucky Farm Bureau has membership fees of $35 per year in Fayette County.

The Cincinnati, Motorists Mutual and Grange Mutual rank with the three lowest rates, as we show in this graph of the cheapest car insurers in Lexington.

Bowling Green, KY

Bowling Green, known to car fans as Vette City, is home to a General Motors automobile plant, which has been responsible for assembling Corvettes since 1981. They can also check out events at the Beech Bend Raceway and the NCM Motorsports Park. This car-friendly atmosphere continues in the city's low insurance rates. Bowling Green ranked with the 9th lowest rates out of the 90+ cities we studied. Annual premiums here averaged $1,608 for our driver’s standard liability policy, which was about 15% and $277 lower than the Kentucky mean.

For the best car insurance quotes in Bowling Green, we suggest drivers add Grange Mutual, Progressive, Kentucky Farm Bureau, Cincinnati Insurance, and Motorists Mutual. Based on our single Bowling Green male driver, this subset of five insurers had the lowest quotes averaging $1,115 a year for a standard annual policy with coverage limits roughly twice the KY minimum. The five cheapest represented a 31% discount to the city mean, which meant roughly $493 back in our driver’s pockets.

In this chart, we've displayed the auto insurers in Bowling Green with the least expensive average annual rates for our sample driver.

Owensboro, KY

Owensboro is located on Route 60 and is the seat of Daviess County. Lewis and Clark wintered in today’s Owensboro before departing on their famous travels. It is also known for its bourbon whiskey distilleries, including Glenmore Distillery Company. Owensboro’s most famous son is Hollywood actor Johnny Depp. It takes the second spot in our roundup with an average annual rate of $1,512. Compared to the state mean, the rate is 20% more favorable than the state average.  

Who has the cheapest auto insurance in Owensboro? The top five most affordable companies for our 30 year old male were Cincinnati Insurance, Grange Mutual, Motorists Mutual, Progressive, and Kentucky Farm Bureau bringing up the rear. Getting a quote from one of these companies could shave over $600 off of what the typical carrier charges in Owensboro - that's a reduction of 46% with a bit of comparison shopping. These figures are based on our sample driver’s quotes, which averaged $1,021 among the five cheapest insurers above (vs. $1,512 mean in Owensboro).

Shown in this graph are the five companies that ranked with the lowest average annual costs for insuring our Owensboro driver's car.

Covington, KY

Located in Kenton County, Covington makes the top of our list of cities with the cheapest car insurance with an average annual rate of $1,515 – 20% below the state average. The city is part of the Cincinnati-Northern Kentucky metropolitan area and has more than 40,000 residents. Covington is home to the Mainstrasse Oktoberfest, which has been held for 36 years, as well as the Roebling Suspension Bridge, which was the prototype for the Brooklyn Bridge in New York City. The Roebling Suspension Bridge, a national historic landmark, currently serves more than 8,000 vehicles and drivers daily. We recommend including Cincinnati Insurance, Grange Mutual, and Motorists Mutual when you're looking for the lowest car insurance rates in Covington. GEICO and State Farm round out the top five low-cost auto insurers in Covington.

This chart shows which five insurers have the cheapest auto insurance quotes in Covington, KY.

Average Cost of Car Insurance in Kentucky: by City

There were a total of 94 cities and towns included in the premium comparison. Here are the average costs our benchmark drivers saw in all of the cities included in our study, presented from the cheapest to the most expensive.

In this graph are the average yearly auto insurance premiums for the 90+ cities we analyzed in our cost study for Kentucky drivers.

Best Auto Insurance Companies

We computed a complaint index for 18 of the largest auto insurers in the state to figure out which ones ranked as the best providers. The complaint index can be a proxy of how satisfied customers are; the less complaints a company has, the more customers are satisfied with their insurer. We took the number of complaints of each company, divided it by their direct premiums written and compared that with the larger industry’s ratio. An index of 1 is average and the lower the number, the better rated the company is compared to its competitors. A number of companies had a pristine year, with zero justified complaints lodged against them:  The three largest out of the six companies were Progressive, USAA, and Kentucky Employers' Mutual Insurance.

Auto InsurerPremiumComplaintComplaint Index
Progressive $197,317,972 0 0.00
USAA 166,505,130 0 0.00
Kentucky Employers' Mutual Insurance 158,146,286 0 0.00
Nationwide 140,516,171 0 0.00
Cincinnati Ins Co 136,993,820 0 0.00
Zurich Insurance Group 105,645,081 0 0.00
Kentucky Farm Bureau Mutual 898,563,212 4 0.62
Travelers 207,794,682 1 0.67
Safeco 167,968,315 1 0.83
State Auto 123,474,780 1 1.13
Allstate 245,597,406 2 1.14
Shelter 78,689,785 1 1.78
State Farm 922,297,345 14 2.13
Auto-Owners 123,497,257 2 2.27
Liberty Mutual 236,617,578 4 2.37
GEICO 164,786,614 4 3.40
EMC Insurance 30,588,732 1 4.58
CNA / Continental 79,829,354 3 5.26

How We Conducted the Study

We looked at rates in Kentucky for our sample single 30 year old male driver in more than 90 cities within the state. He owns in full and drives a 2011 Toyota Camry back and forth from work, for the most part, about 12,000 miles a year. He also has a good credit history and a great driving record with no accidents or traffic violations in the past five years.

Costs are based on basic liability protection for the 2011 Toyota Camry, and provides about twice the minimum liability required in Kentucky. Kentucky requires minimum auto insurance liability of $25,000 per person for bodily injury protection and up to $50,000 per accident, and $20,000 for property damage per accident. The state also requires $15,000 of personal injury protection and $25,000 per person and up to $50,000 per crash for uninsured motorists. We included national insurers such as GEICO, Allstate, and State Farm as well as regional companies like Kentucky Mutual in our study.

Insurance Coverage Kentucky Minimum Coverage Study Coverage
Bodily Injury (BI) (per person / per accident) $25,000 / $50,000 $50,000 / $100,000
Property Damage (PD) 10,000 25,000
Personal Injury Protection* 10,000* 10,000
Uninsured Motorist BI (per person / per accident)* 25,000 / 50,000* 50,000 / 100,000
Uninsured Motorist PD 25,000

* Coverage is automatically included, but can be rejected in writing

Our Kentucky analysis included 94 cities across the state, from Albany all the way to Winchester. The various cities are displayed in the below table in alphabetical order along with their average annual rates.

RankCityAverage Annual PremiumsChange vs State Average
1Lexington1510-20%
2Owensboro1512-20%
3Covington1515-20%
4Versailles1564-17%
5Nicholasville1578-16%
6Winchester1589-16%
7Georgetown1590-16%
8Frankfort1604-15%
9Bowling Green1608-15%
10Richmond1630-14%
11Henderson1637-13%
12Hopkinsville1638-13%
13Madisonville1645-13%
14Lawrenceburg1654-12%
15Russellville1657-12%
16Glasgow1668-12%
17Danville1670-11%
18Cadiz1682-11%
19Murray1684-11%
20Dawson Springs1686-11%
21Lancaster1690-10%
22Ashland1695-10%
23Benton1695-10%
24Franklin1699-10%
25Morganfield1699-10%
26Eddyville1701-10%
27La Grange1705-10%
28Calvert City1711-9%
29Scottsville1711-9%
30Maysville1714-9%
31Shelbyville1716-9%
32Hartford1718-9%
33Sturgis1718-9%
34Tompkinsville1725-8%
35Hawesville1729-8%
36Elizabethtown1731-8%
37Cynthiana1732-8%
38Williamstown1733-8%
39Campbellsville1734-8%
40Columbia1737-8%
41Vanceburg1744-7%
42Horse Cave1747-7%
43Mount Sterling1748-7%
44Sebree1753-7%
45Hodgenville1754-7%
46Jamestown1754-7%
47Russell Springs1754-7%
48Paducah1756-7%
49Louisville1757-7%
50Princeton1761-7%
51Warsaw1765-6%
52La Center1768-6%
53Marion1770-6%
54Providence1772-6%
55Leitchfield1773-6%
56Greensburg1775-6%
57Albany1780-6%
58Burkesville1784-5%
59Eminence1791-5%
60Monticello1824-3%
61Brandenburg1825-3%
62Smithland1825-3%
63Stanford1830-3%
64Bardstown1840-2%
65Bedford1849-2%
66Owenton1849-2%
67Shepherdsville1850-2%
68Falmouth1854-2%
69Taylorsville1861-1%
70Brooksville1870-1%
71Springfield18850%
72Liberty18890%
73Somerset18890%
74Lebanon19111%
75Morehead20147%
76Grayson209911%
77Whitley City210111%
78Clay City215414%
79Irvine216215%
80Corbin218916%
81London224019%
82Barbourville239727%
83Middlesborough241228%
84Harlan246431%
85Louisa248932%
86Whitesburg252134%
87Jackson258937%
88Hindman263140%
89Harrodsburg263340%
90Hazard270443%
91Paintsville275946%
92Prestonsburg275946%
93Salyersville278648%
94Pikeville313366%
95State Average18850%

Sources:

Minimum Auto Insurance Requirements in Kentucky: http://transportation.ky.gov/mandatory-insurance/pages/frequently-asked-questions.aspx
Kentucky Population: http://quickfacts.census.gov/qfd/states/21000.html
Image courtesy of Flickr / David Ohmer: https://flic.kr/p/6ry5Tk

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