How to Compare Car Insurance Quotes 2024
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Cheapest Car Insurance in Kentucky (2024)

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Content was accurate at the time of publication.

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.

Find the Cheapest Car Insurance Quotes in Your Area

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 companies for full-coverage car insurance in Kentucky

CompanyAverage annual rate
Farm Bureau$1,020
Travelers$1,776
State Farm$1,823
Auto-Owners$1,868
Geico$2,296
Progressive$2,603
Nationwide$3,312
Allstate$4,036
USAA*$1,918


Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.
*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.

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

CompanyAverage 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


Rates are for liability-only car insurance for a 30-year-old male with a clean driving record.
*USAA is only available to military members and their families.

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.

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

CompanyAverage 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


Rates are for liability-only car insurance for an 18-year-old male with a clean driving record.
*USAA is only available to military members and their families.

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.

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

CompanyAverage 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


Rates are for full-coverage car insurance for a 30-year-old male with one speeding ticket.
*USAA is only available to military members and their families.

A speeding ticket can stay on your insurance record for three to five years. During that time, you can expect to pay higher premiums.

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

CompanyAverage 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


Rates are for full-coverage car insurance for a 30-year-old male with one accident.
*USAA is only available to military members and their families.

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

CompanyAverage 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


Rates are for full-coverage car insurance for a 30-year-old male with one DUI.
*USAA is only available to military members and their families.

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.

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

CompanyAverage 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


Rates are for full-coverage car insurance for a 30-year-old male with poor credit.
*USAA is only available to military members and their families.

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.

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

CityAverage 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

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

The average cost of car insurance in Kentucky is $2,295 a year for full coverage. The average cost for liability-only car insurance is $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

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

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

Unless stated otherwise, we looked at thousands of car insurance quotes in Kentucky for a 30-year-old man who drives a 2015 Honda Civic EX and has good credit and no tickets, accidents or DUI convictions.

The following coverage limits were used:

  • 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

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.