$25/mo
$34/mo
$38/mo
The car 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. 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.
The car owners in Kentucky pays on an average of $1090 for six months for car insurance, which is more than the national average. Cincinnati offers cheap and the best rates in Kentucky.
Cincinnati offers the cheapest liability coverage in Kentucky at $25/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Kentucky ↓
Auto-Owners Insurance Co provides cheap full insurance coverage in Kentucky at $72/month, offering excellent value.
Read about the cheapest full coverage companies in Kentucky ↓
Auto-Owners Insurance Co is the cheapest option after an at-fault accident in Kentucky at $50 per month.
Read more about best car insurance companies after at-fault accident in Kentucky ↓
Cincinnati was named the best overall by J.D. Power and AM Best, making it a top pick among Kentucky’s best car insurers.
Check out the full list of the best car insurance companies in Kentucky ↓For drivers looking to meet Kentucky minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Kentucky is widely available from providers like Cincinnati at $25/month. If you opt for Allstate you will have to pay at least $158/month for your car insurance premium, which is the highest in Kentucky.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $149 | $25 |
| Auto-Owners Insurance Co | $202 | $34 |
| Kentucky Farm Bureau | $226 | $38 |
| Electric | $244 | $41 |
| USAA | $297 | $50 |
| Travelers | $315 | $53 |
| Westfield | $333 | $57 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Auto-Owners Insurance Co offers the cheapest car insurance for full coverage in Kentucky at $72 per month. On the other hand Allstate offers the most expensive rate at $424 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $434 | $72 |
| Cincinnati | $475 | $81 |
| Kentucky Farm Bureau | $624 | $105 |
| Travelers | $843 | $142 |
| Shelter | $944 | $159 |
| USAA | $974 | $164 |
| Auto-Owners | $1152 | $192 |
Get Your Car Insurance Quote in Kentucky Instantly!
Cincinnati stands out as the best car insurance provider in Kentucky, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Auto-Owners Insurance Co is a top pick for drivers seeking value and reliability.
Cincinnati offers a six-month premium of $309, which amounts to approximately $53 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Auto-Owners Insurance Co is $321, which is higher than Cincinnati's by $12. Their higher monthly premium is, due to their strict policies on traffic violations.
Travelers's premium is $345, which is significantly more expensive than Auto-Owners Insurance Co's by $24. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $309 | $53 |
| Auto-Owners Insurance Co | $321 | $53 |
| Travelers | $345 | $59 |
| Kentucky Farm Bureau | $410 | $68 |
| Nationwide | $440 | $75 |
| Shelter | $719 | $121 |
| USAA | $1022 | $174 |
Teens and young drivers in Kentucky often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Kentucky is
$2733 for 6 months, which is more than the national average.
Cincinnati is the best options for cheap
car insurance for young drivers in Kentucky.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $190 | $32 |
| Auto-Owners Insurance Co | $285 | $48 |
| Kentucky Farm Bureau | $950 | $160 |
| Travelers | $1378 | $232 |
| USAA | $1616 | $272 |
| Farm Bureau | $1830 | $308 |
| Shelter | $1972 | $332 |
Car insurance rates in Kentucky have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Kentucky remained steady at $226 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the Kentucky remained steady at $226 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Auto-Owners Insurance Co gives you the cheapest car insurance rate after an at-fault accident in Kentucky at $50/month. On the other hand Allstate is the most expensive option at $631/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $303 | $50 |
| Electric | $303 | $52 |
| Cincinnati | $321 | $53 |
| Kentucky Farm Bureau | $440 | $74 |
| Farm Bureau | $808 | $136 |
| Travelers | $808 | $136 |
| State Farm | $826 | $139 |
If you are living in Kentucky you should opt for Auto-Owners Insurance Co. Auto-Owners Insurance Co ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Kentucky, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Kentucky may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Kentucky after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1449 | $242 |
| One Med/PIP claim | $1461 | $248 |
| Two Med/PIP claims | $1521 | $253 |
| Not-at-fault accident | $1562 | $266 |
| One comp claim | $1586 | $264 |
| Failure to wear a seat belt | $1604 | $273 |
| Failure to show documents | $1657 | $276 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Kentucky is Cincinnati at $68 per month. Nationwide at $732 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $398 | $68 |
| Allstate | $517 | $86 |
| Kentucky Farm Bureau | $529 | $90 |
| Travelers | $766 | $129 |
| Progressive | $849 | $143 |
| Shelter | $915 | $154 |
| State Farm | $962 | $162 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Lexington | $921 | $155 |
| Fort Thomas | $933 | $155 |
| Cold Spring | $944 | $161 |
| Crestview | $944 | $157 |
| Highland Heights | $944 | $161 |
| Oakbrook | $944 | $157 |
| Dayton | $950 | $162 |
| Bellevue | $956 | $159 |
| Erlanger | $956 | $163 |
| Lakeside Park | $956 | $159 |
| Silver Grove | $956 | $163 |
| Wilder | $956 | $159 |
