Who Has the Cheapest Car Insurance Quotes in Kentucky? (2023)

Who Has the Cheapest Car Insurance Quotes in Kentucky? (2023)

Farm Bureau has the best cheap car insurance in Kentucky, at $38 per month for minimum liability coverage.

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Best car insurance in Kentucky

To find the best cheap auto insurance in KY, our editorial team gathered quotes from top insurance companies across every ZIP code in the state. Quotes for minimum coverage meet Kentucky's state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage coverage and $10,000 in personal injury protection (PIP) coverage. Quotes for full-coverage policies include collision and comprehensive coverage, plus higher liability limits than state minimums.

We also ranked the best KY car insurance companies based on affordability for different drivers, customer service reviews, convenience and coverage availability.

Cheapest car insurance quotes in Kentucky: Farm Bureau

Farm Bureau has the cheapest quotes in Kentucky for minimum-coverage insurance, at $38 per month or $456 per year. Farm Bureau is 48% cheaper than the state average.

The average cost of car insurance in Kentucky is $73 per month, or $872 per year, for minimum liability insurance.

Cheapest car insurance companies in Kentucky

Find Cheap Auto Insurance Quotes in Kentucky

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Kentucky drivers can also find affordable car insurance with State Farm. A minimum-coverage policy from State Farm costs $40 per month, which is only $2 more expensive per month than Farm Bureau.

Cheapest minimum coverage car insurance in Kentucky

Company
Monthly rate
Farm Bureau logo
Farm Bureau$38
State Farm logo
State Farm$40
Auto-Owners logo
Auto-Owners$61
Travelers logo
Travelers$62
Geico logo
Geico$87
Show All Rows

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, minimum-coverage insurance will pay a limited amount for damage to the other driver's vehicle and injuries caused by the accident. Minimum coverage does not include comprehensive and collision coverages, which protect your own vehicle from damage.

If you choose a minimum-coverage policy, you may not have enough coverage if you're in a major accident. For this reason, we recommend full-coverage insurance for most drivers.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EMinimum-coverage auto insurance is the cheapest way to insure your car in Kentucky. However, it might not be the best option for you.\u003C\/p\u003E\n\n\u003Cp\u003EIf you cause an accident in Kentucky, minimum-coverage insurance will pay a limited amount for damage to the other driver's vehicle and injuries caused by the accident. Minimum coverage does not include \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Collision vs. Comprehensive Car Insurance: What Is the Difference?\" href=\"https:\/\/www.valuepenguin.com\/collision-comprehensive-car-insurance\"\u003Ecomprehensive and collision coverages\u003C\/a\u003E\u003C\/span\u003E, which protect your own vehicle from damage.\u003C\/p\u003E\n\n\u003Cp\u003EIf you choose a minimum-coverage policy, you may not have enough coverage if you're in a major accident. For this reason, we recommend full-coverage insurance for most drivers.\n","padding":"double"}

Cheapest full-coverage car insurance in Kentucky: State Farm

State Farm offers the most affordable full-coverage auto insurance in Kentucky. At $100 per month, the company's rate is 41% cheaper than the state average.

The average cost for full-coverage car insurance in Kentucky is $170 per month.

Company
Monthly rate
State Farm$100
Farm Bureau$117
Auto-Owners$141
Travelers$144
Progressive$172
Show All Rows

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

A full-coverage policy in Kentucky costs $97 more per month than a minimum-coverage policy, on average.

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. These coverages protect your own car from damage, regardless of fault.

Cheap car insurance quotes in KY for drivers with prior incidents

State Farm has the cheapest car insurance quotes in Kentucky for drivers with a speeding ticket or accident on their driving record.

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, like an at-fault accident or a ticket, you can expect to pay more for auto insurance than drivers with a clean record.

Cheapest car insurance after a speeding ticket: State Farm

State Farm has the cheapest quotes for Kentucky drivers with a speeding ticket. At $106 per month for a full-coverage policy, State Farm's rate increases by only 6% after a single speeding ticket.

Farm Bureau is also a good option — it doesn't always raise rates after a ticket.

Company
Monthly rate
State Farm$106
Farm Bureau$117
Auto-Owners$143
Travelers$189
Progressive$214
Show All Rows

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

In comparison, the cost of car insurance increases by an average of 30% for Kentucky drivers after a single speeding ticket.

Cheapest car insurance after an accident: State Farm

Drivers recently at-fault in an accident will find the best car insurance rates at State Farm. The company's average rate of $114 per month for full-coverage insurance is 55% cheaper than average in Kentucky.

Company
Monthly rate
State Farm$114
Farm Bureau$117
Auto-Owners$188
Travelers$207
Progressive$239
Show All Rows

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

Kentucky drivers with one recent accident will see their rates increase by 47%, on average.

Cheapest car insurance quotes in KY after a DUI: Travelers

Drivers with a DUI in Kentucky will find the cheapest insurance quotes with Travelers, where the typical cost of a full-coverage policy is $220 per month. That's 34% cheaper than the average price statewide.

Company
Monthly rate
Travelers$220
Progressive$226
Farm Bureau$273
Auto-Owners$308
State Farm$331
Show All Rows

A DUI conviction can increase your car insurance rate dramatically. Drivers in Kentucky can expect car insurance quotes to double. You may be able to reduce the amount you pay by taking a safe driver training course if your insurance company offers a discount.

Cheapest car insurance for drivers with poor credit: State Farm

State Farm has the most affordable car insurance quotes for drivers with bad credit in Kentucky, with an average rate of $207 per month for full coverage. That's $64 per month cheaper than Geico, the second-best option, and 38% less than the state average.

Company
Monthly rate
State Farm$207
Geico$271
Travelers$291
Progressive$298
Farm Bureau$357
Show All Rows

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 a claim. As a result, drivers with low credit scores often pay more for coverage than drivers with good scores.


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.

Minimum coverage from Farm Bureau costs around $106 per month for an 18-year-old driver. That's 55% cheaper than the state average of $238 per month.

State Farm has the most affordable quotes for teens for full-coverage insurance, at $282 per month.

Cheapest KY car insurance for teen drivers

Company
Liability only
Full coverage
Farm Bureau$106$308
State Farm$132$282
Travelers$168$377
Auto-Owners$207$405
Progressive$321$778
Show All Rows

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 get in an accident. In Kentucky, an 18-year-old driver with a clean record pays $165 more per month for minimum-coverage insurance than a 30-year-old driver.

Young drivers can get a cheaper rate on their insurance by sharing a policy with a parent or relative. Typically, the cost of sharing a policy is much cheaper than buying separate policies.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn general, younger drivers pay much more than older drivers for car insurance because they are more likely to get in an accident. In Kentucky, an 18-year-old driver with a clean record pays $165 more per month for minimum-coverage insurance than a 30-year-old driver.\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers can get a cheaper rate on their insurance by \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest Car Insurance for Teens (and Their Parents)\" href=\"https:\/\/www.valuepenguin.com\/best-car-insurance-teen-drivers\"\u003Esharing a policy with a parent or relative\u003C\/a\u003E\u003C\/span\u003E. Typically, the cost of sharing a policy is much cheaper than buying separate policies. \n","padding":"double"}

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

Younger drivers with a recent speeding ticket will find the cheapest quotes from Farm Bureau. A minimum-coverage policy from Farm Bureau costs $106 per month. That's the same rate that young drivers with a clean record pay for coverage.

Company
Monthly rate
Farm Bureau$106
State Farm$144
Auto-Owners$207
Travelers$216
Progressive$336
Show All Rows

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

On average, insurance rates increase by 14% for an 18-year-old driver with a speeding ticket in Kentucky.

Young drivers who want to save on car insurance rates should consider a driver training course. Insurance companies 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 on car insurance if you have good grades.

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

Farm Bureau also has the cheapest quotes for young drivers with an at-fault accident on their record, with an average of $129 per month for minimum coverage. That's 57% cheaper than the average rate in Kentucky.

Company
Monthly rate
Farm Bureau$129
State Farm$159
Travelers$244
Auto-Owners$297
Progressive$361
Show All Rows

An 18-year-old driver in Kentucky can expect car insurance rates to increase by around 26% after an accident.


Cheapest car insurance for married drivers: State Farm

State Farm has the cheapest insurance for married drivers, with an average cost of $100 per month for a full-coverage policy. State Farm doesn't offer a discount to married drivers, but it is still the most affordable option. Progressive gives married drivers a 13% discount, the highest in the state.

Company
Monthly rate per car
State Farm$100
Farm Bureau$117
Auto-Owners$141
Travelers$144
Progressive$150
Show All Rows

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

In general, drivers who are married pay a bit less for car insurance than single drivers — the average savings in Kentucky is 5%.

Married drivers may also be able to lower their rates even further by taking advantage of multidriver and multivehicle discounts.


Best car insurance companies in Kentucky

Farm Bureau is our pick for the best insurance company in Kentucky, based on its excellent customer service.

Farm Bureau earned a high score from ValuePenguin editors based on customer service reviews and complaints, coverage availability and the overall value it provides drivers. People living in Kentucky can also find great service at State Farm and USAA.

Company
Editor's rating
J.D. Power
AM Best
Farm Bureau
NRA
USAA
881A++
State Farm
842A++
Auto-Owners
837A++
Geico
835A++
Show All Rows

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

A company with a reputation for good service can help make the claims process less stressful after an accident. On the other hand, poor customer service can delay the repair process and cost you more out of pocket.


Average car insurance quotes in Kentucky by city

The cheapest car insurance in Kentucky can be found in Fort Thomas, while drivers in Goose Rock pay the highest rates in the state.

Where you live can impact your auto insurance rates as much as your driving history. Full-coverage auto insurance in Kentucky fluctuates by up to $123 per month from city to city. Drivers in Fort Thomas pay $125 per month for a full-coverage policy, while people in Goose Rock pay $248 per month for the same coverage.

City
Average monthly cost
Percentage difference from average
Aberdeen$162-5%
Adairville$136-20%
Adams$20319%
Adolphus$143-16%
Ages Brookside$21728%
Show All Rows

Kentucky auto insurance requirements

Kentucky requires drivers to purchase a minimum amount of bodily injury liability and property damage liability, often written as 25/50/25, along with $10,000 in personal injury protection. 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.

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.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EKentucky is a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is No-Fault Insurance?\" href=\"https:\/\/www.valuepenguin.com\/no-fault-auto-insurance\"\u003Eno-fault state\u003C\/a\u003E\u003C\/span\u003E, 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.\n","padding":"double"}

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.


Frequently asked questions

Which company has the cheapest insurance in Kentucky?

Farm Bureau has the cheapest quote for minimum coverage in Kentucky, at $38 per month. Drivers who want full coverage or have an imperfect driving history should consider State Farm.

How much does car insurance cost in Kentucky?

The average cost of a minimum-coverage policy in Kentucky is $73 per month. Full-coverage costs $170 per month, on average.

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.

Is car insurance expensive in Kentucky?

Car insurance in Kentucky is relatively expensive compared to the rest of the country. It ranks as the 12th most expensive state for minimum coverage, and ninth most expensive for full coverage. One of the reasons car insurance in Kentucky is so expensive is that it is a no-fault state.

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 $141 per month for full-coverage auto insurance — 17% less than the state average. On the other hand, insurance costs in Louisville are 9% above average, at $185 per month.


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 good credit.

Unless otherwise noted, rates are based on a full-coverage policy with the following limits:

Coverage
Limit
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

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.