Cheapest Car Insurance in Kentucky (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
Farm Bureau has the cheapest average rate for full-coverage car insurance in Kentucky, at $1,020 a year. Travelers is next at $1,776, followed by State Farm at $1,823.
You’ll pay even lower rates if you buy minimum-coverage or liability-only car insurance. Travelers leads the way in this area, charging Kentucky drivers an average of $800 a year.
Cheapest full-coverage car insurance: Farm Bureau
Kentucky drivers get the cheapest full-coverage car insurance rates from Farm Bureau, which charges an average of $1,020 a year. Travelers comes in second at $1,776 a year.
Cheapest full-coverage car insurance in Kentucky
| Company | Average annual rate | LendingTree score |
|---|---|---|
| Farm Bureau | $1,020 | Not rated |
| Travelers | $1,776 |  |
| State Farm | $1,823 | |
| Auto-Owners | $1,868 | Not rated |
| Geico | $2,296 |  |
| Progressive | $2,603 |  |
| Nationwide | $3,312 |  |
| Allstate | $4,036 | |
| USAA* | $1,918 | |
*USAA is only available to military members and their families.
Full-coverage car insurance usually combines three coverage types: liability, collision and comprehensive. Liability coverage helps pay the bills of others involved in an accident you cause. Collision coverage handles your own car repairs after an accident, while comprehensive covers non-accident damage, such as a tree branch falling on your vehicle, as well as theft or vandalism.
You are not required by law to carry full-coverage auto insurance. However, you will probably need to have it if you finance your vehicle.
Cheapest liability-only coverage: Travelers
Travelers has the cheapest car insurance rate for Kentucky drivers looking for liability coverage, at an average of $800 a year. Auto-Owners is next at $864 a year.
While USAA has the cheapest average rate overall in Kentucky, it only sells car insurance to currently serving and retired military, as well as certain family members.
Cheapest companies for liability car insurance in Kentucky
| Company | Average annual rate |
|---|---|
| Travelers | $800 |
| Auto-Owners | $864 |
| Geico | $960 |
| State Farm | $1,059 |
| Progressive | $1,153 |
| Nationwide | $1,584 |
| Farm Bureau | $1,775 |
| Allstate | $1,795 |
| USAA* | $659 |
If you cause a car accident, liability-only car insurance can help cover medical bills and court settlements that arise from it. Most states have minimum liability limits you must carry to drive legally, Kentucky included.
Cheapest rates for young drivers: Farm Bureau
Farm Bureau has the cheapest rates for Kentucky teens looking for liability-only car insurance, at an average of $800 a year. Auto-Owners also offers an affordable average rate of $864 a year.
Cheapest liability car insurance companies for young drivers
| Company | Average annual rate |
|---|---|
| Travelers | $800 |
| Auto-Owners | $864 |
| Geico | $960 |
| State Farm | $1,059 |
| Progressive | $1,153 |
| Nationwide | $1,584 |
| Farm Bureau | $1,775 |
| Allstate | $1,795 |
| USAA* | $659 |
Teen drivers pay the highest car insurance premiums of any age group. This is because teens are at a higher risk of being in an accident. If you’re a parent of a young driver, consider adding them to your policy. Your premium will go up, but the overall cost should still be cheaper than if you and your child had separate car insurance policies.
Cheapest rates after a speeding ticket: Farm Bureau
Kentucky drivers with a speeding ticket find the cheapest car insurance from Farm Bureau, which charges an average rate of $1,020 a year. Auto-Owners comes in second at $1,898 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,020 |
| Auto-Owners | $1,898 |
| State Farm | $1,943 |
| Travelers | $2,313 |
| Geico | $2,966 |
| Progressive | $3,271 |
| Allstate | $4,774 |
| Nationwide | $6,356 |
| USAA* | $2,424 |
A speeding ticket can stay on your insurance record for three to five years. During that time, you can expect to pay higher premiums.
Cheapest rates after an accident: Farm Bureau
Farm Bureau has the cheapest average auto insurance for Kentucky drivers after an accident, at $1,020 a year. State Farm is next at $2,086 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,020 |
| State Farm | $2,086 |
| Travelers | $2,534 |
| Auto-Owners | $2,578 |
| Progressive | $3,667 |
| Nationwide | $4,929 |
| Geico | $5,430 |
| Allstate | $7,388 |
| USAA* | $2,856 |
Best rates after a DUI: Farm Bureau
Kentucky drivers with a DUI pay $4,605 a year on average. If you’re a driver in Kentucky with a DUI, Farm Bureau has the cheapest average car insurance rate of $2,301 a year. Another affordable option is Travelers, at $2,688 a year.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Farm Bureau | $2,301 |
| Travelers | $2,688 |
| Progressive | $3,473 |
| Auto-Owners | $4,350 |
| Allstate | $5,360 |
| Nationwide | $6,356 |
| Geico | $6,820 |
| State Farm | $7,008 |
| USAA* | $3,086 |
Most drivers pay more for car insurance after a DUI. Your insurer may also cancel your policy, or you might have a hard time finding one elsewhere. This is because insurance companies view drivers with a DUI to be at higher risk than drivers with cleaner records.
Cheapest rates with poor credit: Farm Bureau
Car insurance rates can increase if you have poor credit. Farm Bureau has the lowest average car insurance rate for Kentucky drivers with poor credit, at $3,125 a year. Travelers is second at $3,560 a year.
Cheapest car insurance companies for drivers with poor credit
| Company | Average annual rate |
|---|---|
| Farm Bureau | $3,125 |
| Travelers | $3,560 |
| Geico | $4,246 |
| Progressive | $4,562 |
| Nationwide | $5,073 |
| Auto-Owners | $5,309 |
| State Farm | $7,382 |
| Allstate | $7,853 |
| USAA* | $3,977 |
Some companies look at your credit score while calculating auto insurance quotes. They believe there’s a correlation between credit score and increased chances of filing a claim. This is a controversial topic, and some states prohibit or restrict the use of credit scores in car insurance quotes.
Kentucky insurance rates by city
Looking at the 25 most populated cities in Kentucky, Owensboro residents pay the cheapest average rate for car insurance, at $1,701 a year. Louisville residents pay the highest rate of $2,505 a year.
Cheapest car insurance rates in Kentucky’s largest cities
| City | Average annual rate |
|---|---|
| Ashland | $1,979 |
| Bowling Green | $1,785 |
| Covington | $1,792 |
| Danville | $1,890 |
| Elizabethtown | $1,911 |
| Erlanger | $1,717 |
| Florence | $1,761 |
| Frankfort | $1,892 |
| Georgetown | $1,869 |
| Henderson | $1,872 |
| Hopkinsville | $1,869 |
| Independence | $1,751 |
| Jeffersontown | $2,087 |
| Lexington | $1,903 |
| Louisville | $2,505 |
| Madisonville | $1,935 |
| Mount Washington | $2,232 |
| Murray | $1,855 |
| Nicholasville | $1,870 |
| Owensboro | $1,701 |
| Paducah | $1,941 |
| Radcliff | $1,917 |
| Richmond | $1,815 |
| Shelbyville | $2,042 |
| Winchester | $1,899 |
How much is car insurance in Kentucky?
The average cost of car insurance in Kentucky is $2,295 a year for full coverage. This is 14% higher than the national average rate of $1,970 a year. A liability-only car insurance policy can cut down your cost with an average rate of $1,183 a year.
What you pay for car insurance is based on many factors, including:
- Make and model of your car
- ZIP code
- Your insurance history
- Coverage limits and your deductible amounts
- Discounts provided
Car insurance laws in Kentucky
Kentucky is a “no-fault state” for car insurance. This means you can file a claim with your own insurance company for injuries tied to an accident, no matter who caused it.
Kentucky insurers require policyholders to include personal injury protection (PIP) as part of their coverage. PIP helps pay your hospital and other medical bills after an accident, including rehabilitation costs and lost wages.
Minimum coverage for car insurance in Kentucky
The minimum amount of car insurance you need depends on state’s requirements. Kentucky’s required liability coverage limits are:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
- $10,000 personal injury protection
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
*USAA is only available to military members and their families.
Frequently asked questions
Farm Bureau has the cheapest rate for full-coverage car insurance in Kentucky, at $1,020 a year. Travelers has the cheapest rate for liability-only coverage, at $800 a year.
The average annual cost of full-coverage car insurance in Kentucky is $2,295, and the average cost for liability-only coverage is $1,183. Kentucky’s full-coverage rate is 16% higher than the national average rate of $1,976 a year. The state liability-only rate is 53% higher than the national average of $773.