Best Car Insurance in Kentucky

Travelers ranks as the best overall and best for young driver car insurance provider in Kentucky. The company offers the most affordable rates for several driver categories, with adult drivers paying an average of $846 annually and young drivers $1,798 per year. Drivers with newer cars benefit from particularly competitive rates at $800 annually, making Travelers an attractive option for various driver profiles.

Travelers car insurance goes beyond standard coverage in Kentucky, providing options such as new car replacement, accident forgiveness, and a decreased deductible. They offer specialized coverage for pet injury, custom parts and equipment, loan or lease gap protection, and roadside assistance. With Kentucky prone to occasional storms, Travelers offers comprehensive coverage that includes storm damage protection. Their coverage score of 3.9 out of 5 indicates solid options that cater to individual needs.

Travelers handles claims efficiently through online reporting and 24/7 hotline availability, earning a strong customer experience score of 4.6 out of 5 and ranking second in Kentucky. Their mobile app allows claim reporting, photo uploads, and roadside assistance requests. The company maintains local offices throughout Kentucky, with agents who understand regional risks like severe weather and hail damage. 

Read our review: Travelers Car Insurance Review

Auto-Owners car insurance is best for low-income drivers and those with speeding tickets in Kentucky. The company offers competitive rates for these specific groups, with drivers who have speeding tickets paying an average of $96 per month and low-income drivers paying $113 monthly. Auto-Owners also provides good value for drivers with older vehicles at $66 per month.

Auto-Owners provides comprehensive coverage options for Kentucky drivers, though their coverage score of 3.4 out of 5 ranks them 6th among competitors. The Auto-Owners review shows they offer standard liability, collision, and comprehensive coverage plus specialized options like pet medical coverage, custom parts protection, and loan/lease gap coverage. Their Advantage Plus package includes identity theft expense coverage and roadside assistance, which helps Kentucky drivers prepare for regional risks like storm damage.

Customer experience stands out as Auto-Owners' strongest area, earning a perfect 5.0 out of 5 score and ranking first in Kentucky. The company handles claims efficiently through their mobile app, online portal, or phone service. Their local agent network provides personalized service, and they maintain low complaint ratios compared to competitors. With an overall rank of 2nd in Kentucky and strong affordability scores of 4.7 out of 5, Auto-Owners balances competitive pricing with quality service.

Read our review: Auto-Owners Car Insurance Review

State Farm ranks as a solid choice for Kentucky drivers, particularly those with accidents or DUI violations seeking affordable coverage. The company ranks 3rd overall in the state with strong affordability scores of 4.8 out of 5, indicating competitive pricing. State Farm averages $82 monthly or $982 annually, with minimum coverage starting at $49 per month and full coverage at $115 monthly.

State Farm offers comprehensive auto insurance with standard liability, collision, and comprehensive coverages, plus specialized options like pet injury coverage and Payoff Protector gap insurance. The company provides car rental coverage, roadside assistance, and custom parts protection for aftermarket installations. However, their coverage score of 2.9 out of 5 indicates below-average options compared to competitors, though their Drive Safe & Save program can reduce premiums for safe driving habits tracked through their mobile app.

Customer experience ranks acceptably at 3.9 out of 5, with Kentucky drivers praising prompt claims handling and the convenience of State Farm's mobile app for reporting claims and accessing digital insurance cards. The company maintains a strong local presence with agents statewide who understand Kentucky-specific risks like storm damage and wildlife collisions. While some customers report longer wait times, State Farm balances digital convenience with personalized local service effectively.

Read our review: State Farm Car Insurance Review