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Why Compare Car Insurance Rates in Kentucky:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

To assist you in finding cheap car insurance, Way.com analyzed the largest car insurance companies in Kentucky by market share. Way.com's insurance editorial team looked for Kentucky's lowest car insurance companies by acquiring low prices. While price is likely to be the most important factor for policyholders looking for low-cost coverage, we also wanted to ensure that the car insurance companies we recommend have good policies.

We also considered coverage options, discounts, policy features, and third-party scores to achieve this. According to our findings, the following car insurance companies have cheap average pricing and a wide range of policy options, outstanding customer service ratings, and a long history of financial health.

Minimum Required Auto Insurance Coverage in Kentucky

According to the Kentucky Insurance Department, the minimum required auto insurance coverage in Kentucky for all car owners includes the following:

Auto Insurance Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50000 ($100000 for injuries resulting in death)
Property Damage Liability $25000
Uninsured Motorist $25000 bodily injury per person $50000 bodily injury per accident

Cheapest Car Insurance in Kentucky for Minimum Required Coverage

Your state's insurance requirements influence the cost of coverage, but there are additional factors that can save or cost you more. They are as follows:

  • Insurance company: Some of the best car insurance companies provide low-cost auto insurance.
  • Gender: Women often pay less for coverage than men.
  • Age: Because of their inexperience, young drivers have the highest auto insurance rates.
  • Driving history: Kentucky auto insurance is cheapest for safe drivers who haven't had any speeding tickets or accidents in the last few years.
  • Size of city: Due to population, claim statistics, and accident rates, more prominent cities often have higher premiums.

The cost of auto insurance in Kentucky varies substantially between companies. To guarantee you are obtaining the best cost, request and compare car insurance quotes from several best car insurance companies in Kentucky.

According to our analysis, the cheapest annual premium for minimal coverage is $1,056 per year for USAA

COMPANY AVERAGE ANNUAL RATE
USAA $1,056
Kentucky Farm Bureau $1,195
State Farm $1,311
Statewide Average $1,449
Travelers $1,478
Auto Owners Insurance $1,569
MetLife $1,631
Progressive $1,708
Allstate $2,284

See what you could save on auto insurance

Do I Need More Than the Minimum Required State Coverage in Kentucky?

It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.

It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Kentucky's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.

This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one. To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.

It may be time to shop for a new policy if you're concerned about how much these coverages will add to your overall cost. Way.com can assist you in comparing quotes from a variety of leading insurance companies to acquire the best coverage at the best price.

Kentucky Car Insurance Laws

Kentucky is a so-called "no-fault" state. This means that drivers must first check their insurance to see if their personal injury protection (PIP) policy will cover their injuries. This coverage compensates you and everyone else in your car, regardless of who is at fault. If medical bills exceed the PIP limit, the liability insurance kicks in an at-fault party.

In a motor accident, liability coverage pays for the damages you cause to others, and this could include bodily injury or property damage to another driver or their passengers. Liability coverage is divided into three parts: bodily injury per person, bodily injury per accident, and property damage, all of which are detailed in the table above.

If you want to stay on the right side of the law, you need to have the right amount of car insurance coverage. It's also crucial for safeguarding yourself and your valuables. Keep this in mind when looking for new insurance since adding coverage or increasing limits could be a good investment.

Auto Insurance Coverage Types

Like most states, Kentucky has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.

To be lawful in Kentucky, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional car insurance coverage types.

Proof of Auto Insurance in Kentucky

Kentucky, like other states, requires all drivers to have auto insurance.

Drivers must also carry proof of insurance with them when driving and produce their insurance ID cards to any law enforcement officer who asks them. We'll look at the basic insurance requirements for Kentucky drivers, as well as various extra add-on coverages that may be useful.

If you lease or finance your car, keep in mind that a leasing company or bank may impose additional insurance requirements.

You will be incurring penalties in Kentucky if you drive without insurance. If you choose to go without insurance, you will face the following penalties under state law:

  • The registration of your car will be revoked.
  • A fine of $500 to $1,000 is imposed.
  • A sentence of up to 90 days in prison

Average Cost of Auto Insurance Companies in Kentucky

Kentucky's auto insurance rate is higher than the national average, at $1569 per year. However, you can still obtain low-cost auto insurance if you look around. These average prices are based on research and are not necessarily your final auto insurance premium cost.

Your rates may be more or lower depending on your coverage choices, such as uninsured motorist coverage, whether you choose a minimum or higher coverage, and even the age, make, and model of your car.

USAA may be the cheapest car insurance choice, with a premium of $1112. The most costly Kentucky car insurance rate, according to our analysis, is $2532 with Allstate.

Way.com can provide insight into the best car insurance in Kentucky when you're seeking the best offer for your money. These insurance companies are ranked according to client satisfaction with the price for the amount of coverage they provide.

Cheapest Car Insurance Quotes For Kentucky Drivers

Car insurance is compulsory in Kentucky, as it is in most states, but just because it is a legal necessity does not mean it has to be prohibitively expensive. If you're seeking low-cost auto insurance in Kentucky, Way.com's research may be able to assist you in finding coverage that meets your needs.

We started our search for the cheapest auto insurance in Kentucky by gathering current rate data from the state's most prominent providers based on market share. The data was then analyzed. We looked at coverage options, possible discounts, and third-party rankings in addition to the average rate.

Male drivers will be charged more on average than female drivers. USAA has the lowest young adult rates for Kentucky drivers, whether male or female. According to our research, Allstate has the highest premiums.

Those with clean driving records should expect an average insurance rate near the state average, with several insurers providing considerably cheaper rates. USAA is the cheapest insurer for Kentucky's good drivers, while Allstate may be the most expensive.

COMPANY AVERAGE ANNUAL RATE
USAA $1,112
Kentucky Farm Bureau $1,254
State Farm $1,415
Travelers $1,554
Statewide Average $1,567
Auto Owners Insurance $1,710
Progressive $1,877
Allstate $2,532

Cheap car insurance in Kentucky for young Kentucky drivers

Teen car insurance premiums in Kentucky vary widely and, on average, are among the highest in the state. In Kentucky, male teen insurance prices are greater than female teen insurance premiums.

USAA offers the best prices for both male and female teenagers. The rates offered by USAA, on the other hand, are solely available to military personnel and their families.

Allstate has the highest teen rates in the state, at least three times greater than the lowest. Young adult rates in Kentucky are lower than those charged to teenagers, and insurers' rates do not change as much as they do for teenagers.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $10,295 $11,489
Auto Owners Insurance $3,986 $5,244
Kentucky Farm Bureau $3,391 $4,400
Progressive $6,872 $7,601
State Farm $3,536 $4,414
Travelers $4,618 $5,689
USAA $2,994 $3,142
Statewide Average $4,841 $5,768

Cheap car insurance for Kentucky drivers with a speeding ticket

Insurance rates climb in lockstep with the number of violations on your driving record. A Kentucky driver with one speeding ticket may find that MetLife's premiums are the highest compared to other insurers. Again, State Farm has the lowest prices, even for drivers who have just received one speeding ticket, and is only slightly more than the insurer's rates for good drivers.

COMPANY AVERAGE ANNUAL RATE
Kentucky Farm Bureau $1,244
USAA $1,412
State Farm $1,517
Statewide Average $1,844
Auto Owners Insurance $1,903
Travelers $2,067
Progressive $2,542
Allstate $2,975
MetLife $2,993

Cheap auto insurance for Kentucky drivers after a car accident

Premiums rise as offenses on your Kentucky driving record grow more significant, signaling to the insurer that you may be prone to filing more claims. For Kentucky drivers who have had one accident, State Farm offers the cheapest insurance, while Allstate's rates may be the most expensive.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,640
Kentucky Farm Bureau $1,675
USAA $1,712
Auto Owners Insurance $2,083
Travelers $2,158
Statewide Average $2,242
MetLife $3,003
Progressive $3,302
Allstate $3,588

Cheap car insurance quotes for Kentucky drivers with a DUI

A DUI is one of the most serious offenses that can tarnish a solid driving record, resulting in some of Kentucky's most expensive insurance rates.

MetLife Insurance has the most expensive average premium for Kentucky drivers with a DUI, while State Farm has the least average rate.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,517
USAA $1,812
Travelers $2,351
Progressive $2,451
Statewide Average $2,598
Kentucky Farm Bureau $2,909
Allstate $3,335
Auto Owners Insurance $3,748
MetLife $5,439

Cheap full coverage car insurance quotes for young drivers with an accident history

Farm Bureau offers the best deal for young drivers with a prior at-fault collision, at $1779 per year for minimal coverage. That's less than half of the average for all insurers we looked at.

Car insurance company Annual rate
Farm Bureau $1779
State Farm $2052
AllState $3832
Progressive $4953
Nationwide $5904

Compare car insurance rates in top Cities

In Kentucky, the typical cost of car insurance varies based on where you live. Varying parts of the state may have different crash statistics, medical care prices, or traffic congestion levels (which could lead to more crashes). While moving for the cheapest auto insurance isn't feasible, you might want to factor in the average cost of coverage in your location if you're already thinking about it.

Furthermore, the cost of materials and labor to repair your car may impact the cost of your comprehensive and collision coverage.

CityAnnual Rate
Aberdeen$2,105
Adairville$1,865
Adams$2,849
Adolphus$1,985
Ages Brookside$3,041
Albany$2,033
Alexandria$1,697
Allen$3,053
Allensville$1,925
Almo$1,877
Alpha$2,117
Alvaton$1,817
Anchorage$2,117
Annville$3,005
Argillite$2,141
Arjay$2,741
Arlington$1,901
Artemus$2,801
Ary$3,281
Ashcamp$3,065
Asher$3,173
Ashland$1,889
Auburn$1,925
Audubon Park$2,597
Augusta$2,213
Austin$1,997
Auxier$3,077
Avawam$3,245
Bagdad$2,105
Bandana$2,069
Banner$2,897
Barbourville$2,441
Bardstown$2,141
Bardwell$1,913
Barlow$2,057
Baskett$2,453
Battletown$2,177
Baxter$2,837
Bays$3,113
Bear Branch$3,317
Beattyville$2,597
Beaumont$2,033
Beauty$3,149
Beaver$3,161
Beaver Dam$1,889
Bedford$2,297
Bee Spring$2,033
Beech Creek$2,021
Beech Grove$1,997
Beechmont$2,009
Beechwood Village$2,105
Belcher$3,113
Belfry$2,909
Bellefonte$2,105
Bellemeade$2,129
Bellevue$1,769
Bellewood$2,105
Belton$2,009
Benham$2,993
Benton$1,841
Berea$1,709
Berry$1,997
Bethelridge$2,225
Bethlehem$2,141
Betsy Layne$3,065
Beverly$2,825
Bevinsville$3,185
Big Clifty$2,069
Big Creek$3,257
Big Laurel$3,101
Bighill$2,369
Bimble$2,801
Blackey$3,053
Blaine$2,861
Bledsoe$3,113
Bloomfield$2,129
Blue Ridge Manor$2,117
Blue River$3,089
Boaz$1,985
Bonnieville$2,117
Bonnyman$3,233
Booneville$2,789
Boons Camp$3,173
Boston$2,225
Bowling Green$1,613
Bradfordsville$2,321
Brandenburg$1,997
Breckinridge Center$1,997
Breeding$2,033
Bremen$2,009
Briarwood$2,117
Brodhead$2,093
Bronston$2,225
Brooks$2,405
Brooksville$2,129
Browder$2,021
Brownsboro Farm$2,129
Brownsville$1,937
Bryants Store$2,513
Buckhorn$3,317
Buckner$2,033
Buffalo$2,057
Bulan$2,801
Burdine$3,017
Burgin$1,973
Burkesville$2,069
Burlington$1,673
Burna$2,129
Burnside$2,333
Busy$3,341
Butler$2,153
Bypro$3,197
Cadiz$1,745
Calhoun$1,913
California$1,817
Calvert City$1,949
Calvin$2,729
Camargo$2,021
Cambridge$2,129
Campbellsburg$2,057
Campbellsville$1,913
Campton$2,621
Canada$3,125
Caneyville$2,081
Canmer$2,105
Cannel City$2,645
Cannon$2,801
Carlisle$1,973
Carrie$3,173
Carrollton$2,105
Catlettsburg$2,081
Cave City$1,841
Cawood$3,053
Cecilia$1,889
Center$2,045
Centertown$1,973
Central City$1,913
Cerulean$1,937
Chaplin$2,237
Chappell$3,149
Chavies$3,365
Clarkson$2,021
Claryville$1,793
Clay$2,021
Clay City$2,405
Clayhole$3,101
Clearfield$2,093
Cleaton$2,033
Clermont$2,249
Clifty$2,429
Clinton$2,045
Closplint$3,077
Cloverport$2,057
Coalgood$3,065
Cold Spring$1,733
Coldiron$3,029
Coldstream$2,153
Columbia$1,805
Columbus$2,009
Combs$3,353
Corbin$1,949
Corinth$1,913
Cornettsville$3,245
Corydon$1,925
Covington$1,805
Coxs Creek$2,333
Crab Orchard$2,153
Cranks$3,077
Crayne$2,093
Crestview$1,733
Crestview Hills$1,757
Crestwood$1,997
Crittenden$2,093
Crockett$3,077
Crofton$1,937
Cromona$3,377
Cromwell$1,997
Cub Run$2,105
Cumberland$2,801
Cunningham$2,021
Curdsville$2,297
Custer$2,081
Cynthiana$1,841
Dana$3,077
Danville$1,769
David$3,125
Dawson Springs$1,889
Dayhoit$3,053
Dayton$1,781
De Mossville$2,153
Deane$3,029
Debord$3,173
Delphia$3,257
Dema$3,233
Denniston$2,741
Denton$2,261
Dexter$1,901
Dixon$2,081
Doe Valley$2,129
Douglass Hills$2,141
Dover$2,057
Drake$2,369
Drakesboro$2,021
Drift$3,089
Druid Hills$2,117
Dry Ridge$2,141
Dubre$2,597
Dunbar$2,105
Dundee$1,985
Dunmor$2,009
Dunnville$2,093
Dwale$3,077
Dwarf$3,269
Dycusburg$2,573
Earlington$1,985
East Bernstadt$2,537
East Point$2,921
Eastern$3,089
Eastview$2,057
Eastwood$2,753
Eddyville$1,865
Edgewood$1,757
Edmonton$1,889
Eighty Eight$1,973
Ekron$2,033
Elizabethtown$1,853
Elizaville$2,477
Elk Creek$2,345
Elk Horn$1,973
Elkfork$2,621
Elkhorn City$2,909
Elkton$1,829
Elliottville$2,561
Elsmere$1,661
Emerson$2,045
Eminence$2,069
Emlyn$2,477
Emmalena$3,197
Eolia$3,029
Erlanger$1,553
Ermine$2,993
Essie$3,269
Etoile$1,973
Eubank$1,973
Evarts$3,029
Ewing$1,997
Ezel$2,657
Fairdale$2,549
Fairfield$2,333
Fairview$2,381
Falcon$3,269
Fall Rock$3,233
Falls Of Rough$2,093
Falmouth$2,045
Fancy Farm$1,985
Farley$1,985
Farmers$2,561
Farmington$1,961
Fedscreek$3,269
Ferguson$2,321
Fincastle$2,141
Finchville$2,165
Fisherville$2,345
Fisty$3,209
Flat Lick$2,657
Flatgap$3,113
Flatwoods$2,093
Flemingsburg$1,997
Florence$1,781
Fords Branch$3,113
Fordsville$1,985
Forest Hills$3,065
Fort Campbell North$1,901
Fort Knox$2,117
Fort Mitchell$1,781
Fort Thomas$1,697
Fort Wright$1,805
Foster$2,177
Fountain Run$1,985
Fourmile$2,753
Fox Chase$2,225
Frakes$2,465
Francisville$1,781
Frankfort$1,733
Franklin$1,805
Fredonia$2,057
Freeburn$3,245
Frenchburg$2,501
Fulton$2,045
Gamaliel$1,997
Garfield$2,105
Garner$3,149
Garrard$3,269
Garrett$2,969
Garrison$2,045
Gays Creek$3,437
Georgetown$1,793
Germantown$2,213
Ghent$2,141
Gilbertsville$1,865
Girdler$2,813
Glasgow$1,697
Glencoe$2,177
Glendale$2,093
Glens Fork$2,045
Glenview$2,297
Goose Creek$2,117
Goose Rock$3,545
Gordon$3,053
Goshen$2,177
Gracey$1,925
Gradyville$2,033
Graham$2,033
Grand Rivers$2,105
Gravel Switch$2,249
Gray$2,609
Gray Hawk$3,389
Graymoor-Devondale$2,117
Grays Knob$3,053
Grayson$1,961
Green Road$2,921
Greensburg$1,949
Greenup$1,913
Greenville$1,925
Grethel$3,137
Gulston$3,089
Gunlock$3,137
Guston$2,081
Guthrie$1,901
Hagerhill$2,885
Hallie$3,065
Hampton$2,141
Hanson$1,901
Happy$3,281
Hardin$1,925
Hardinsburg$1,913
Hardy$3,209
Hardyville$2,093
Harlan$3,029
Harned$1,985
Harold$2,873
Harrods Creek$2,729
Harrodsburg$1,781
Hartford$1,901
Hawesville$1,901
Hazard$2,585
Hazel$1,805
Hazel Green$2,861
Hebron$1,781
Hebron Estates$2,225
Heidrick$2,789
Hellier$3,125
Helton$3,161
Henderson$1,697
Hendron$1,973
Heritage Creek$2,537
Herndon$1,913
Hestand$1,997
Hi Hat$3,209
Hickman$2,045
Hickory$1,961
Highland Heights$1,733
Hillsboro$2,021
Hillview$2,489
Hima$3,269
Hindman$3,041
Hinkle$2,849
Hitchins$2,273
Hodgenville$1,937
Holland$1,985
Holmes Mill$3,041
Hope$2,045
Hopkinsville$1,697
Horse Branch$1,997
Horse Cave$1,805
Hoskinston$3,533
Houston Acres$2,129
Huddy$3,161
Hudson$2,093
Hueysville$3,053
Hulen$2,765
Hurstbourne$2,117
Hurstbourne Acres$2,117
Hustonville$1,997
Hyden$3,305
Independence$1,721
Inez$2,933
Ingram$2,741
Irvine$2,273
Irvington$2,105
Island$1,973
Isom$3,053
Isonville$2,753
Ivel$3,053
Jackhorn$3,005
Jackson$2,621
Jamestown$1,997
Jeff$3,317
Jeffersontown$2,117
Jeffersonville$2,069
Jenkins$2,633
Jeremiah$3,041
Jetson$2,093
Jonancy$3,041
Jonesville$2,153
Junction City$1,949
Keaton$3,065
Keavy$2,453
Kenton$2,357
Kenvir$3,053
Kettle Island$2,753
Kevil$1,913
Kimper$3,125
Kings Mountain$2,177
Kirksey$1,913
Kite$3,113
Knifley$2,057
Knob Lick$2,009
Krypton$3,341
Kuttawa$1,973
La Center$2,069
La Fayette$1,913
La Grange$1,901
Lackey$3,053
Lakeside Park$1,757
Lancaster$1,865
Langdon Place$2,129
Langley$3,089
Latonia$1,685
Lawrenceburg$1,733
Lebanon$2,129
Lebanon Junction$2,201
Leburn$3,161
Ledbetter$2,093
Leitchfield$1,889
Lejunior$3,377
Letcher$3,041
Lewisburg$1,853
Lewisport$1,757
Lexington$1,889
Liberty$2,141
Lick Creek$3,125
Lily$2,321
Linefork$3,077
Littcarr$3,101
Livermore$1,997
Livingston$2,525
Lockport$2,153
London$2,105
Lone$3,245
Lookout$3,401
Loretto$2,297
Lost Creek$3,113
Louisa$2,405
Louisville$2,465
Lovelaceville$2,057
Lovely$3,089
Lowes$2,441
Lowmansville$2,873
Loyall$3,041
Lucas$1,973
Ludlow$1,829
Lynch$3,017
Lyndon$2,117
Lynnview$2,621
Lynnville$2,441
Maceo$1,781
Mackville$2,273
Madisonville$1,985
Magnolia$1,925
Majestic$3,281
Mallie$3,101
Malone$3,077
Mammoth Cave National Park$2,033
Manchester$2,741
Manitou$1,973
Maple Mount$1,793
Marion$2,033
Marrowbone$2,141
Marshes Siding$2,369
Martha$2,837
Martin$3,041
Mary Alice$3,053
Mason$2,597
Masonic Home$2,201
Masonville$1,781
Massac$1,997
Mayfield$1,697
Mayking$2,981
Mayslick$2,009
Maysville$1,997
Mazie$2,777
Mc Andrews$3,209
Mc Carr$3,269
Mc Daniels$2,045
Mc Dowell$3,137
Mc Henry$1,961
Mc Kee$2,693
Mc Kinney$2,165
Mc Quady$2,045
McRoberts$2,993
Meadow Vale$2,117
Meally$3,161
Means$2,357
Melber$1,997
Melbourne$1,817
Melvin$3,125
Middleburg$2,237
Middlesborough$2,681
Middletown$2,045
Midway$1,913
Milburn$2,489
Milford$2,609
Millersburg$1,949
Millstone$3,005
Millwood$2,057
Milton$2,273
Minerva$2,477
Minnie$3,161
Miracle$2,741
Mistletoe$3,077
Mitchellsburg$2,441
Mize$2,621
Monticello$1,901
Moorefield$2,069
Moorland$2,105
Morehead$1,973
Morganfield$1,901
Morgantown$1,877
Morning View$1,841
Mortons Gap$1,985
Mount Eden$2,297
Mount Hermon$1,985
Mount Olivet$2,141
Mount Sherman$2,105
Mount Sterling$2,021
Mount Vernon$2,201
Mount Washington$2,345
Mousie$3,149
Mouthcard$3,077
Mozelle$3,113
Muldraugh$2,069
Munfordville$1,949
Murray$1,637
Muses Mills$2,021
Myra$3,053
Nancy$1,889
Nazareth$2,297
Nebo$1,949
Neon$3,005
Nerinx$2,321
New Castle$2,165
New Concord$1,913
New Haven$2,129
New Hope$2,309
New Liberty$2,201
Newport$1,793
Nicholasville$1,817
Norbourne Estates$2,105
North Corbin$2,189
North Middletown$1,937
Northfield$2,117
Nortonville$1,901
Oak Grove$1,901
Oakbrook$1,745
Oakland$1,901
Oil Springs$3,089
Olaton$1,997
Old Brownsboro Place$2,117
Olive Hill$2,141
Olmstead$1,913
Olympia$2,069
Oneida$3,209
Orchard Grass Hills$2,129
Orlando$2,441
Owensboro$1,589
Owenton$2,141
Owingsville$2,021
Paducah$1,865
Paint Lick$1,733
Paintsville$2,861
Paris$1,745
Park City$1,853
Park Hills$1,805
Parkers Lake$2,381
Parksville$1,961
Parkway Village$2,693
Partridge$3,017
Pathfork$3,077
Payneville$2,117
Pembroke$1,901
Pendleton$2,189
Perry Park$2,213
Perryville$1,961
Petersburg$1,697
Pewee Valley$2,117
Phelps$3,245
Philpot$1,769
Phyllis$3,269
Pikeville$2,645
Pilgrim$3,137
Pine Knot$2,393
Pine Ridge$2,525
Pine Top$3,101
Pineville$2,357
Pinsonfork$3,221
Pioneer Village$2,225
Pippa Passes$3,149
Pittsburg$2,885
Plano$1,805
Pleasureville$2,177
Plummers Landing$2,477
Poole$2,033
Port Royal$2,177
Powderly$1,997
Premium$3,041
Preston$2,501
Prestonsburg$2,753
Princeton$1,949
Printer$3,089
Prospect$1,925
Providence$2,081
Putney$3,065
Quincy$2,057
Raccoon$3,089
Raceland$2,105
Radcliff$1,985
Ransom$3,257
Raven$3,185
Ravenna$2,537
Raywick$2,297
Redfox$3,125
Reed$1,889
Regina$3,101
Reidland$1,997
Renfro Valley$2,849
Revelo$2,381
Reynolds Station$1,841
Rhodelia$2,129
Ricetown$3,041
Richlawn$2,105
Richmond$1,577
Rineyville$1,877
River$3,077
Riverwood$2,117
Roark$3,173
Robards$1,937
Robinson Creek$3,065
Rochester$2,093
Rockfield$1,817
Rockholds$2,321
Rockhouse$3,101
Rockport$1,961
Rocky Hill$2,021
Rogers$2,813
Rolling Fields$2,129
Rolling Hills$2,117
Rosine$2,009
Roundhill$2,009
Rousseau$3,101
Rowdy$3,137
Roxana$3,077
Royalton$3,269
Rumsey$1,997
Rush$2,105
Russell$2,105
Russell Springs$1,925
Russellville$1,793
Ryland Heights$1,805
Sacramento$2,009
Sadieville$1,925
Saint Catharine$2,273
Saint Charles$1,997
Saint Francis$2,297
Saint Helens$3,245
Saint Mary$2,789
Salem$2,141
Salt Lick$2,081
Salvisa$1,925
Salyersville$2,873
Sanders$2,177
Sandgap$2,945
Sandy Hook$2,705
Sassafras$3,209
Saul$3,521
Scalf$2,861
Science Hill$2,213
Scottsville$1,805
Scuddy$3,305
Sebree$2,069
Seco$3,017
Sedalia$1,973
Seneca Gardens$2,237
Sextons Creek$3,137
Sharon Grove$1,973
Sharpsburg$2,033
Shelbiana$3,101
Shelby Gap$3,077
Shelbyville$1,913
Shepherdsville$1,877
Shively$2,789
Sidney$3,173
Siler$2,489
Silver Grove$1,769
Simpsonville$2,153
Sitka$3,113
Sizerock$3,329
Slade$2,453
Slaughters$2,081
Slemp$3,257
Smilax$3,197
Smith Mills$1,961
Smithfield$2,045
Smithland$2,129
Smiths Grove$1,829
Soldier$2,669
Somerset$2,057
Sonora$2,069
South Carrollton$2,021
South Portsmouth$2,117
South Shore$1,913
South Wallins$3,017
South Williamson$3,101
Southgate$1,793
Sparta$2,165
Spottsville$1,925
Springfield$2,273
St. Matthews$2,093
Staffordsville$2,861
Stambaugh$3,113
Stamping Ground$1,985
Stanford$1,949
Stanton$2,417
Stanville$3,089
Stearns$2,285
Steele$3,257
Stephensport$2,129
Stinnett$3,209
Stone$3,233
Stoney Fork$2,729
Stopover$3,269
Strathmoor Village$2,237
Strunk$2,381
Sturgis$2,009
Sullivan$2,501
Sulphur$2,201
Summer Shade$2,009
Summersville$2,105
Sweeden$2,045
Symsonia$1,877
Tateville$2,333
Taylor Mill$1,709
Taylorsville$1,985
Teaberry$3,125
Ten Broeck$2,129
Thelma$3,113
Thornton$3,041
Thousandsticks$3,245
Tiline$2,093
Tollesboro$2,009
Tomahawk$3,149
Tompkinsville$1,925
Topmost$3,173
Totz$3,029
Tram$3,125
Trenton$1,913
Trosper$2,837
Turners Station$2,153
Tutor Key$3,101
Tyner$2,825
Ulysses$2,849
Union$1,721
Union Star$2,117
Uniontown$1,985
Upton$1,985
Utica$1,733
Van Lear$3,101
Vanceburg$1,793
Vancleve$3,089
Varney$3,149
Verona$1,889
Versailles$1,769
Vest$3,209
Vicco$3,245
Villa Hills$1,757
Vincent$3,077
Vine Grove$1,913
Viper$3,233
Virgie$2,837
Waco$1,805
Waddy$2,141
Walker$2,885
Wallingford$1,913
Wallins Creek$3,017
Walton$1,625
Waneta$3,389
Warbranch$3,245
Warfield$3,101
Warsaw$2,165
Washington$2,489
Water Valley$1,877
Watterson Park$2,597
Waverly$1,817
Wayland$3,053
Waynesburg$1,985
Webbville$2,777
Webster$2,117
Weeksbury$3,125
Wellington$2,717
Wendover$3,317
West Buechel$2,585
West Liberty$2,225
West Louisville$2,309
West Paducah$1,973
West Point$2,165
West Somerset$2,693
West Van Lear$3,161
Westport$2,177
Westview$2,021
Westwood$2,057
Wheatcroft$2,081
Wheelwright$3,209
Whick$3,077
White Mills$2,057
White Plains$2,009
Whitesburg$2,729
Whitesville$1,841
Whitley City$2,417
Wickliffe$2,057
Wilder$1,769
Wildie$2,849
Williamsburg$2,249
Williamsport$3,101
Williamstown$2,177
Willisburg$2,249
Wilmore$1,925
Winchester$1,757
Windsor$2,261
Windy Hills$2,105
Wingo$1,997
Wittensville$3,125
Woodbine$2,813
Woodburn$1,865
Woodbury$2,573
Woodland Hills$2,165
Wooton$3,197
Worthington$2,093
Worthville$2,069
Wurtland$2,105
Yeaddiss$3,209
Yerkes$3,389
Yosemite$2,237
Zoe$2,825

Cheap auto insurance in Kentucky with bad credit

Company Avg. Annual Premium
USAA $3,569
State Farm $3,692
Progressive $4,016
Auto-Owners Insurance Co $4,377
Kentucky Farm Bureau $5,856
Allstate $6,172

Kentucky auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,587 1% $10
One Med/PIP claim $2,610 2% $33
Two Med/PIP claims $2,720 6% $143
Not-at-fault accident $2,766 8% $189
One comp claim $2,811 10% $234
Failure to wear a seat belt $2,840 11% $263
Driving without lights $2,840 11% $263
Child safety restraint $2,849 11% $272
Failure to show documents $2,879 12% $302
Two comp claims $2,932 14% $355
Driving with expired registration $3,051 19% $474
Cell phone violation $3,081 20% $504
Texting while driving $3,092 21% $515
Speeding in school zone $3,097 21% $520
Driving too slowly $3,097 21% $520
Speeding 6 - 10 MPH over limit $3,097 21% $520
Speeding 11 - 15 MPH over limit $3,104 21% $526
Failure to yield $3,107 21% $530
Failure to stop at a red light $3,113 21% $536
Speeding 16 - 20 MPH over limit $3,113 22% $536
Wrong way/wrong lane $3,147 23% $569
Following too closely $3,147 23% $569
Illegal turn $3,147 23% $570
Improper passing $3,153 23% $576
Speeding 21 - 25 MPH over limit $3,161 23% $584
Passing school bus $3,249 27% $672
At-fault accident - less than $1000 $3,269 28% $692
In 65 MPH zone $3,478 36% $910
Open container $3,505 37% $938
Operating a vehicle without permission $3,597 41% $1,029
At-fault accident - greater than $2000 $3,677 44% $1,110
At-fault accident - $1000-$2000 $3,677 44% $1,110
Reckless driving $4,992 95% $2,425
Refusal to submit to a chemical test $5,104 99% $2,537
DUI $5,121 100% $2,553
Racing $5,146 101% $2,579
Driving with a suspended license $5,169 102% $2,602
Leaving scene of an accident/hit and run $5,186 103% $2,619

Car insurance price trends in Kentucky

Year Avg. Annual Premium — Kentucky Yearly Change — Kentucky Avg. Annual Premium — US Yearly Change — US
2021 $1,889 $96 $1,539 $56
2020 $1,859 $89 $1,493 $71
2019 $2,216 -$351 $1,554 $33
2018 $1,908 -$6 $1,531 $94
2017 $2,065 $244 $1,447 $79
2016 $2,083 -$333 $1,378 $98
2015 $1,859 $26 $1,290 $61
2014 $1,782 $165 $1,239 $44
2013 $1,835 -$53 $1,205 -$91
2012 $2,099 $333 $1,286 -

See what you could save on auto insurance

How to find the best car insurance in Kentucky

Working with a qualified insurance agent may be beneficial if you are unsure how much coverage you require or what policy types to obtain. An agent may be able to recommend coverages and levels of coverage that are appropriate for your circumstance.

Kentucky is also one of the worst states to drive in the snow and rain, which are pretty regular weather patterns. It is not uncommon to be involved in a traffic collision in Kentucky, regardless of your driving habits. As a result, having adequate insurance coverage is a must. Higher auto insurance rates result from the increased danger of an accident, so Kentucky is also more expensive than the rest of the country.

If you are looking for cheap car Insurance quotes in Kentucky, don't worry. Way.com analysts and the editorial team have compiled the list of best auto insurance in Kentucky that will provide you with cheap auto insurance quotes in Kentucky.

However, finding low-cost auto insurance in Kentucky is not impossible. We incorporated up-to-date quoted premiums and insurance carrier reviews in our analysis to speed your study because we keep a close eye on the insurance market.

Kentucky drivers pay substantially more for primary and full coverage auto insurance than the national average. The average cost of auto insurance in Kentucky is $756 per year for basic coverage and $2124 per year for full coverage. As a result, low auto insurance rates are almost every Kentucky driver's desire, but low shouldn't imply sacrificing quality.

Some of Kentucky's best auto insurance companies also offer the most affordable coverage. Based on average pricing, coverage options, third-party ratings, financial strength, discounts, and customer service, the following five firms stand out.

The expert analysts at Way.com performed an annual survey of the best car insurance companies in Kentucky to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.

How to Get Discounts on Car Insurance in Kentucky

Just like how you get discounts in any other state, you'll want to compare discounts available from all the insurance firms you've narrowed down. Compare not just the amount of discounts a business provides, but also the discounts you'll get after you enter. Call and talk with a representative to get exact discount numbers for cheap car insurance in Kentucky.

Compare the benefits you'd get from raising the deductible after you've done the homework of shopping around and evaluating discounts. Although a high deductible means a lower payout, the cost differential between a low and a high deductible may be substantial if you choose this route and set aside some money if you are involved in a severe accident.

Many Kentucky residents will seek out cheap auto insurance Kentucky. But a reasonable price and a good provider are possible. The companies that deliver the lowest premiums often happen to be the best car insurance companies in Kentucky.

Remember that car insurance discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Kentucky Car Insurance FAQ's

What is the cheapest car insurance in Kentucky?

The cheapest automobile insurance providers in Kentucky are USAA and State Farm, based on average rates for the average Kentucky motorist.

How much is car insurance per month in Kentucky?

On average, car insurance in Kentucky costs $108 per month or $1224 per year. This is more than the average cost of vehicle insurance in other states.

How much does car insurance cost in Kentucky?

On average, car insurance in Kentucky costs $108 per month or $1224 per year. This is more than the average cost of vehicle insurance in other states.

Why is car insurance so expensive in Kentucky?

Kentucky car insurance is expensive because the state has more road fatalities than the national average. Car insurance premiums are also continuously rising in Kentucky and around the country.

How much is full coverage insurance in Kentucky?

Kentucky's annual minimum insurance rates of $756 and total coverage rates of $2139 are more than the national average for automobile insurance, which is $576 for minimum coverage and $1683 for full coverage.

Is Kentucky a no fault state?

Kentucky is a no-fault state. Each driver's insurance pays for their medical claims following an accident regardless of blame. Drivers in Kentucky are typically required to carry $10,000 in personal injury protection (PIP) insurance to cover these costs.

How can I get cheap car insurance in Kentucky?

On average, Kentucky Farm Bureau is the lowest alternative if you merely want to acquire the minimal vehicle insurance coverage necessary in Kentucky.

Who pays for car damage in a no-fault state Kentucky?

Each driver's insurance pays for their medical claims following an accident regardless of blame. Drivers in Kentucky are typically required to have $100000 in personal injury protection (PIP) insurance to cover these costs.

Should I sign the Kentucky no-fault rejection form?

Kentucky's No-Fault law artificially limits your ability to sue someone who causes you harm in a car accident. If you don't like this limit, you can opt-out of Kentucky's no-fault system and sue anybody you choose. All you have to do is sign a rejection form provided by your insurance agent. The form is also available on the Kentucky Insurance Department's website. However, before signing this form the next time you renew your auto insurance, think twice about rejecting Kentucky No-Fault.

Do I need full coverage in Kentucky?

If you were looking for cheap car insurance in Kentucky now you are in luck. One of the rare sights in the Bluegrass State was the cheap auto insurance in Kentucky.

Auto insurance in Kentucky is falling. The latest findings from Way.com analysts indicate a downward trend. This makes auto insurance in Kentucky affordable. Depending on whether you choose basic or full coverage, the average cost of automobile insurance in Kentucky ranges from $756 to $2124 each year. If you understand the elements that influence auto insurance prices in Kentucky, you can beat the state average.

Kentucky has one of the highest rates of traffic fatalities in the country. Even if you drive safely, you could be involved in a car accident in Kentucky due to circumstances beyond your control. Rain and drunk drivers are two of the state's most significant causes of traffic-related deaths.

You should evaluate your Kentucky insurance policy to ensure that you and your vehicle are adequately covered. Compare estimates from different providers to obtain a sense of how much you should expect to pay and strike the correct balance between premium and deductible costs.

What is the average rate of car insurance in Kentucky?

Kentucky's annual minimum insurance rates of $756 and total coverage rates of $2124 are more than the national average for automobile insurance, which is $576 for minimum coverage and $1683 for full coverage. When you shop about, you might find that your quotes are better than — or even better than — the average.

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Learn more by city and state for car insurance




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