Travelers ranks as Kentucky's best car insurance company, earning a MoneyGeek score of 4.77 out of 5 for its strong mix of affordable rates, quality customer service and comprehensive coverage options. Since insurance needs vary based on individual circumstances, we also recommend considering Auto-Owners, State Farm, Shelter and Progressive.
Best Car Insurance in Kentucky
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Best overall car insurance provider in Kentucky is Travelers, ranking first in affordability.
Auto-Owners leads for drivers with speeding tickets while Travelers offers the best rates for seniors in Kentucky.
To find the best car insurance in Kentucky, decide on coverage needs first, research provider costs and compare plenty of quotes from multiple companies.
Best Car Insurance Companies in Kentucky
| Travelers | 4.77 | $71 | 2 | 5 |
| Auto-Owners | 4.68 | $84 | 1 | 6 |
| State Farm | 4.34 | $82 | 5 | 7 |
| Shelter Insurance | 4.30 | $84 | 9 | 3 |
| Progressive | 4.26 | $108 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Kentucky by Driver Profile
Travelers leads in seven out of ten driver categories in Kentucky. Auto-Owners provides the cheapest rates for the remaining three categories: speeding tickets, low-income drivers and older vehicles.
| Young Drivers | Travelers | 1 | 2 | 5 |
| Adult Drivers | Travelers | 1 | 2 | 5 |
| Senior Drivers | Travelers | 2 | 2 | 5 |
| Drivers With an Accident | Travelers | 2 | 2 | 5 |
| Drivers With a DUI | Travelers | 3 | 2 | 5 |
| Drivers With a Speeding Ticket | Auto-Owners | 5 | 1 | 6 |
| Drivers With Bad Credit | Travelers | 6 | 2 | 5 |
| Drivers With Low Income | Auto-Owners | 5 | 1 | 6 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 5 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Kentucky Car Insurance Recommendations
Our general recommendations might not match your specific needs. Compare rates from our top five Kentucky providers to find coverage that fits your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | 4.45 | $110 | 10 | 3 |
| Auto-Owners | 4.23 | $293 | 1 | 6 |
| Travelers | 4.14 | $297 | 2 | 5 |
| Geico | 4.00 | $230 | 6 | 7 |
| Shelter Insurance | 4.00 | $247 | 9 | 3 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Kentucky Car Insurance Reviews
See our detailed analysis of each top-rated insurance company's coverage options and service quality below.
Travelers
Best Cheap Overall in Kentucky
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$94For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$47For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience and Coverage Options in Kentucky
MoneyGeek Rating
4.7/ of 5
4.7/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$109For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$59For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Kentucky
Finding the right car insurance in Kentucky can be difficult. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is to not know what coverage you need. Consider your driving habits, location and finances when deciding on the cover you need while meeting Kentucky required minimums.
- 2
Research average costs and discounts you may qualify for
Research average car insurance costs in Kentucky for your driver profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can save you money.
- 3
Look through provider customer experiences and coverage options thoroughly
Review provider coverage options and add-ons, and look at customer reviews.
- 4
Consider non-standard coverage options
Look into alternatives like manufacturer insurance, non-owner car insurance, and pay-per-mile policies that might better suit your situation and save you money.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible. Get quotes from independent agents, direct from insurers and comparison websites to find the best rates.
- 6
Reassess annually
Review your coverage and shop for new quotes each year to find the best deal.
Best Kentucky Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and State Farm are also good options for drivers in Kentucky.
Best Auto Insurance in Kentucky: FAQ
Car insurance choices depend on your personal needs, so we've gathered answers to common questions to help you pick the right coverage for your situation.
What is the best car insurance company in Kentucky?
Travelers leads Kentucky auto insurance providers with an average monthly premium of $94 for full coverage.
What is the best car insurance company for minimum coverage in Kentucky?
Travelers offers the most competitive minimum coverage in Kentucky, with average rates starting at $560 per year.
What is the best car insurance in Kentucky for young drivers?
Travelers stands out as the top choice for young adults in Kentucky, offering competitive rates at $149 monthly and strong customer service ratings.
What is the best car insurance for Kentucky drivers who value customer service?
Auto-Owners leads Kentucky's customer experience ratings with a 5 out of 5. The company excels in their purchase experience, agent support, digital policy tools and claims handling process.
What is the best car insurance in Kentucky if you have driving offenses?
Auto-Owners stands out as the leading choice for Kentucky drivers with a speeding ticket, offering monthly rates of $69 for minimum coverage and $124 for full coverage.
How We Rated the Best Car Insurance in Kentucky
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Kentucky. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Kentucky. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Kentucky-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.