Best Car Insurance in Kentucky

Travelers ranks as the top overall auto insurance provider in Kentucky and also leads for young drivers. The company offers some of the lowest average rates across several driver groups, with adult drivers paying about $846 per year and young drivers averaging $1,798 annually. Drivers with newer vehicles also see competitive pricing at around $800 per year, which makes Travelers a strong option for different driver profiles.

Travelers offers more than basic auto coverage in Kentucky, with add-ons such as new car replacement, accident forgiveness, and deductible reduction. Optional coverage includes pet injury, custom parts and equipment, loan or lease gap protection, and roadside assistance. Given Kentucky’s exposure to seasonal storms, Travelers also provides coverage options that address weather-related damage. Its coverage score of 3.9 out of 5 reflects a solid range of choices.

Claims can be filed online or through a 24/7 phone line, supporting a customer experience score of 4.6 out of 5 and a second-place ranking in Kentucky. The mobile app allows claim submissions, photo uploads, and roadside assistance requests. Local offices across the state give drivers access to agents familiar with Kentucky-specific risks, including hail and storm-related 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 offers a wide set of coverage options for Kentucky drivers, earning a coverage score of 3.4 out of 5 and ranking sixth among competitors. Policies include standard liability, collision, and comprehensive coverage, along with add-ons like pet medical coverage, custom parts protection, and loan or lease gap coverage. The Advantage Plus package includes identity theft expense coverage and roadside assistance, which helps address weather-related risks common in Kentucky.

Customer experience is Auto-Owners’ strongest area, with a perfect 5.0 out of 5 score and a first-place ranking in Kentucky. Claims can be filed through the mobile app, online portal, or by phone, supported by a large local agent network and low complaint ratios. With an overall ranking of second in the state and an affordability score of 4.7 out of 5, Auto-Owners combines competitive pricing with reliable service.

Read our review: Auto-Owners Car Insurance Review

State Farm ranks as a solid option for Kentucky drivers, especially those with prior accidents or DUI violations who want access to lower-cost coverage. The company places third overall in the state and earns an affordability score of 4.8 out of 5. Average premiums come in at $82 per month or $982 per year, with minimum coverage starting at $49 monthly and full coverage averaging $115 per month.

State Farm offers standard liability, collision, and comprehensive coverage, along with add-ons such as pet injury coverage and Payoff Protector gap insurance. Drivers can also choose rental car reimbursement, roadside assistance, and coverage for custom or aftermarket parts. While its coverage score of 2.9 out of 5 trails some competitors, the Drive Safe & Save program allows safe drivers to lower costs through app-based driving data.

Customer experience earns a 3.9 out of 5, with many Kentucky drivers noting timely claims handling and easy access to digital insurance cards through the mobile app. State Farm’s statewide agent presence helps drivers navigate local risks like storm damage and wildlife-related accidents. Although some policyholders report longer wait times, the company blends digital tools with in-person support.

Read our review: State Farm Car Insurance Review