If you’re struggling to find affordable car insurance in Kentucky, our team of experts can help. Having completed a comprehensive analysis of the best car insurance companies across the country, we focused our research to identify the five cheapest and best providers available throughout the Bluegrass State.

Our team considered customer satisfaction ratings, average rates, available coverage options, and more to determine the best auto insurance companies in Kentucky. We recommend comparing quotes from leading Kentucky car insurance providers to discover the best option for your needs.

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In This Review:

    Cheap Car Insurance In Kentucky

    According to our rate estimates for full coverage auto insurance, Geico tends to be the cheapest option in the state of Kentucky, with average costs of $922 per year. State Farm and USAA also offer low average rates below $1,200 per year.

    Car Insurance Providers in Kentucky

    Estimated Annual Cost

    Geico

    $922

    State Farm

    $1,083

    USAA

    $1,137

    Auto-Owners Insurance

    $1,319

    Progressive

    $1,326

    Travelers

    $1,480

    Kentucky Farm Bureau

    $1,663

    How Much Is Auto Insurance In Kentucky?

    Kentucky drivers pay an average cost of $1,843 per year for full coverage car insurance. The average cost of car insurance in Kentucky is about 6 percent higher than the national average of $1,732 per year. According to the National Association of Insurance Commissioners (NAIC), Kentucky was the 26th-most expensive state for auto insurance in 2018.

    Though the average cost of auto insurance in Kentucky is a bit higher than the national average, your rates will vary due to several factors, such as:

    • Age: Teen drivers pay more for auto insurance since they are considered high-risk due to their lack of driving experience.
    • Gender: Car insurance tends to be more expensive for men in most states.
    • Marital status: The average married driver pays less for insurance than a single driver. Couples may also qualify for more family or bundling discounts when buying coverage together.
    • Driving record: Violations such as speeding tickets, accidents, and DUIs can increase the cost of car insurance.
    • Credit score: Kentucky auto insurance costs are significantly higher for drivers with poor credit scores.
    • Coverage level: Full coverage policies are more expensive than those that just meet state minimum coverage requirements.

    Cheapest Kentucky Car Insurance: Young Drivers

    Young Kentucky drivers pay much more for auto insurance than experienced drivers, but Geico is generally the cheapest option. Other affordable companies for young drivers include State Farm and USAA.

    Car Insurance Providers in Kentucky

    Estimated Annual Cost

    Geico

    $1,216

    State Farm

    $1,433

    USAA

    $1,587

    Travelers

    $1,786

    Auto-Owners Insurance

    $1,885

    Cheapest Kentucky Car Insurance: Speeding Tickets

    In general, those with clean driving records pay lower insurance premiums than drivers who have a history of speeding tickets, car accidents, or DUI violations. However, Kentucky drivers with recent speeding tickets can likely find the most affordable auto insurance coverage with Geico.

    Car Insurance Providers in Kentucky

    Estimated Annual Cost

    Geico

    $971

    State Farm

    $1,168

    USAA

    $1,457

    Kentucky Farm Bureau

    $1,663

    Auto-Owners Insurance

    $1,734

    Cheapest Kentucky Car Insurance: Recent Accidents

    Good drivers usually enjoy lower car insurance premiums than drivers with auto accidents on their records. In Kentucky, drivers involved in recent at-fault accidents can usually get the least expensive coverage through State Farm.

    Car Insurance Providers in Kentucky

    Estimated Annual Cost

    State Farm

    $1,253

    Auto-Owners  Insurance

    $1,341

    Geico

    $1,577

    USAA

    $1,749

    Travelers

    $2,109

    Cheapest Kentucky Car Insurance: Bad Credit

    The cost of car insurance in Kentucky can be hundreds of dollars more per year for people with bad credit. Our research found Geico to typically be the most affordable insurance option in the state for those with poor credit, with an average annual cost estimate of $1,389.

    Car Insurance Providers in Kentucky

    Estimated Annual Cost

    Geico

    $1,389

    State Farm

    $2,255

    Progressive

    $2,256

    USAA

    $2,372

    Travelers

    $2,944

    Top 5 Auto Insurance Companies In Kentucky

    Our review team ranked the top car insurance companies in the country based on cost, coverage, discounts, and customer satisfaction. As we focused our research on Kentucky car insurance in particular, Geico, USAA, Progressive, State Farm, and Auto-Owners Insurance ranked highest.

    Best Car Insurance in Kentucky

    Overall Rating

    Cost Rating

    Coverage Rating

    1. Geico

    5.0

    4.5

    5.0

    2. USAA

    5.0

    5.0

    4.5

    3. Progressive

    4.5

    4.5

    4.5

    4. State Farm

    4.5

    4.5

    4.0

    5. Auto-Owners Insurance

    4.0

    3.5

    4.0

    *Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Kentucky.

    #1 Geico: Best Overall Provider

    Our team chose Geico as the leading provider of auto insurance in Kentucky due to its strong industry standing, affordable rates, and broad coverage options. In our research, we found that Geico consistently offers the lowest auto insurance rates in the Bluegrass State for many drivers.

    The company holds an A+ rating from the Better Business Bureau (BBB), as well as an AM Best rating of A++ for financial strength.

    Geico offers a variety of coverage options to Kentucky drivers, including its usage-based insurance program, DriveEasy®. It monitors driving habits through the Geico app, such as phone use, speed, and hard braking, and good drivers can earn savings on their policies. Geico also offers a wide range of car insurance discounts for military members, anti-theft systems, good students, multi-vehicle policies, and more.

    Check out our Geico insurance review for more information, including average costs and coverage options.

    #2 USAA: Best For Military Members

    Military members, veterans, and their families can find affordable car insurance in Kentucky through USAA, one of the nation’s largest car insurance providers. It’s a good idea to compare car insurance quotes from this provider if you’re in the armed forces or have close family members in the service.

    For its superb customer service and reasonable car insurance rates, USAA earned a score of 5.0 out of 5.0 in our nationwide review. Based on our cost estimates, the company offers some of the lowest rates for car insurance in Kentucky. Through SafePilot™, the company’s usage-based program, drivers can also save up to 30 percent by practicing safe habits on the road.

    To learn more about this provider, read our USAA insurance review.

    #3 Progressive: Best Usage-Based Insurance

    While you may recognize Progressive from its quirky commercials, the company is one of the leading insurance providers in the country. The insurer generally offers low rates to many types of drivers, and those with poor credit in particular tend to find affordable coverage through Progressive in Kentucky.

    Progressive is also our review team’s choice for Best Usage-Based Insurance. The Snapshot® program monitors your driving habits through a mobile app or a device installed in your vehicle, and this information is then used to determine your auto insurance premium. The average Progressive policyholder can save over $100 a year through the program.

    To learn whether this provider might be the right choice for you, read our Progressive insurance review.

    #4 State Farm: Best For Student Drivers

    Kentucky drivers can also turn to State Farm for affordable insurance coverage. State Farm offers a discount of up to 25 percent for good students, as well as low rates for good drivers and those with recent accidents on their records. Based on our research, the provider offers one of the top student discounts available in the state.

    State Farm has an A++ rating from AM Best for financial strength and received an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠. State Farm policyholders in Kentucky can also take advantage of the company’s Drive Safe & Save™ and Steer Clear® programs to save even more.

    Read more about the company in our State Farm insurance review.

    #5 Auto-Owners Insurance: Good For High-Risk Drivers

    Founded in 1916, Auto-Owners Insurance offers coverage in 26 states, including Kentucky. Based on our research, Auto-Owners provides some of the most affordable auto insurance in Kentucky on average, especially for drivers who have recent accidents on their records.

    Kentucky drivers can take advantage of 12 discounts offered by Auto-Owners, including discounts for good students, multi-car coverage, and safe driving monitoring for teens. The company also offers additional coverage options such as roadside assistance, new car replacement, and rental car coverage. With an A+ rating and accreditation from the BBB, Auto-Owners can be a reliable choice for many Kentucky drivers.

    Kentucky Insurance Requirements

    As required by the state, Kentucky drivers must meet the following minimum requirements for auto insurance:

    • Bodily injury liability coverage: $25,000 per person/$50,000 per accident
    • Property damage liability coverage: $25,000 per accident
    • Personal injury protection (PIP) coverage: $10,000 per accident

    The state of Kentucky allows drivers to opt out of the PIP coverage requirement if they reject the coverage in writing. The minimum liability insurance requirements are mandatory for all drivers.

    Is Kentucky A No-Fault State?

    According to state law, Kentucky is a “choice” no-fault state. With no-fault coverage, your insurance company covers injury claims, medical payments, and lost wages for you and your passengers, regardless of who is liable in the event of an accident. If your medical bills exceed $1,000, you can sue the other driver’s company for damages, but only if you have incurred medical bills due to pain and suffering.

    Alternatively, you have the option of rejecting PIP coverage and no-fault insurance in Kentucky. While PIP coverage is included in Kentucky auto insurance policies due to state requirements, drivers can reject this coverage in writing to opt out of the no-fault system.

    How To Get Kentucky Car Insurance Quotes

    Drivers in Kentucky can likely find some of the cheapest car insurance quotes from Geico, USAA, Progressive, State Farm, and Auto-Owners Insurance. We recommend reaching out to multiple companies for quotes to compare cost and coverage options to find the best choice for you.

    Many major companies offer an easy online quote experience, which is a convenient way to compare several options at once. You can also reach out to providers by phone or via their local insurance agents if there are offices in your area. Working with an agent or a broker can be a helpful way to get personalized quotes and service.

    Compare car insurance rates
    Answer a few simple questions to save money on your policy

    Frequently Asked Questions

    • Is Kentucky car insurance expensive?

      The average cost of full coverage car insurance from the cheapest providers in Kentucky ranges from $900 to nearly $1,700 per year, based on our estimates. On average, Kentucky car insurance is generally slightly more expensive than the national average.

    • How much is full coverage car insurance per month in Kentucky?

      According to our rate estimates, Kentucky residents pay an average of $1,843 annually for full coverage auto insurance, or about $154 per month. The amount you pay will vary based on several factors, including the provider you choose, your driving history, and your location.

    • Is Kentucky a no-fault state?

      Kentucky is a “choice” no-fault state, which means drivers have the choice to opt out of the no-fault system. It is possible for drivers who reject no-fault insurance coverage to sue or be sued in the event of an accident.

    • Is PIP required in Kentucky?

      According to Kentucky state law, drivers must carry at least $10,000 in PIP coverage. However, Kentucky residents can refuse PIP coverage by filing paperwork to waive the mandatory order.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.