BestCar InsuranceKentuckyBest Car Insurance in Kentucky (May 2023)
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Cincinnati Insurance is the best car insurance for full and minimum coverage policies. The company is also the best for customer satisfaction, young adults and seniors, while State Farm is best for those with poor driving records. Travelers is recommended for those with new cars, and USAA is the top provider for military personnel and their families.
BestCar InsuranceKentuckyBest Car Insurance in Kentucky
Best Overall - Cincinnati Insurance
Best for Service - Cincinnati Insurance
Best for Minimum Coverage - Cincinnati Insurance
Best for Young Adults - Cincinnati Insurance
Best for Seniors - Cincinnati Insurance
Best for Driving Offenses - State Farm
Best for New Cars - Travelers
Best for Military - Cincinnati Insurance
Best Overall for Car Insurance in Kentucky
MoneyGeek data shows that Cincinnati Insurance provides the best car insurance for full coverage in Kentucky. Our review found these insurers to be the best in the state:
- Cincinnati Insurance: MoneyGeek score of 95 out of 100 ($825 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 91 out of 100 ($797 per year)
Of the 12 major auto insurance providers we assessed in Kentucky, Cincinnati Insurance and Auto-Owners Insurance Co offer the best balance between affordability and quality service. Both companies received high scores across all MoneyGeek scoring systems. MoneyGeek also reviewed the cheapest full coverage auto insurers for those looking to save on auto premiums.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
Cincinnati Insurance stands out for its high affordability and customer satisfaction score. It offers one of the most affordable auto insurance rates at $825 per year, or roughly $69 per month, compared to its competitors. This provider also offers lock replacement, among other rare add-ons to an individual’s policy.
Cincinnati Insurance provides comprehensive coverage options, affordable rates and excellent customer service, making them an ideal choice for anyone looking for reliable and affordable insurance coverage.
Cincinnati Insurance offers various coverage options, from basic coverage to more specialized policies. They provide rare coverages like a general deductible waiver — which helps to waive your deductible in the event of a total loss due to a covered collision — and additional coverage options like rental car reimbursement coverage and roadside assistance.
Policyholders with rental car reimbursement coverage can have their rental car expenses reimbursed up to a specific limit. Roadside assistance will help those who experience a car breakdown due to a mechanical issue or an accident.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co has an excellent score for affordability and coverage options. Policyholders can expect to pay an average of $797 per year for their auto insurance coverage with this company, making it one of the most competitively priced insurers in Kentucky.
Auto-Owners Insurance offers add-on coverages that help drivers manage risk and protect their vehicles.
Top-tier coverages include diminished value coverage, which can help offset the costs associated with a vehicle losing value after an accident. Accident forgiveness, a mid-tier coverage, protects a driver’s premium from increasing if involved in an at-fault accident. However, the insured individual must be accident-free for the preceding 36 months to be eligible. Another perk is a deductible modification, which enables drivers to adjust their deductible amount based on their risk tolerance and gap insurance, which covers the difference between what is owed on a vehicle and the amount of its actual cash value.
How the Best Insurers in Kentucky Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed 12 insurers in Kentucky and Cincinnati Insurance came out as the overall winner. It scored highest in satisfaction and coverage, with an overall MoneyGeek score of 95 out of 100. It also had the second-lowest monthly rates at an average of $69 per month and an annual rate of $825.
Auto-Owners Insurance Co was a close second with an overall MoneyGeek score of 91 out of 100. This insurer scored best in terms of affordability, with an average monthly rate of roughly $66 per month or $797 per year.
These rates are for a full coverage policy. To qualify for an overall MoneyGeek score, an insurer must have sufficient data for all individual scoring components.
Best Car Insurance in Kentucky for Customer Service
The best car insurance company in Kentucky for customer service is Cincinnati Insurance. Our top picks for customer service in Kentucky include:
- Cincinnati Insurance: MoneyGeek score of 93 out of 100 ($825 per year)
- Westfield: MoneyGeek score of 91 out of 100 ($1,086 per year)
Cincinnati Insurance and Westfield both score highly in customer satisfaction and claims management. However, Cincinnati Insurance scored higher in both categories. Its rates are also affordable, at $825 per year, making the company an excellent value for customers looking for quality service and affordability.
pros
Ranks first for customer satisfaction out of 12 insurers
Ranks second for claims management out of all the insurers we analyzed
Offers common coverages such as roadside assistance and gap insurance
Offers a general deductible waiver
cons
Lacks original equipment manufacturer (OEM) coverage
It doesn’t offer common coverages such as rideshare insurance and new car replacement
COMPANY HIGHLIGHTS
Cincinnati Insurance is the top choice for value and quality service customers. This insurer offers airbag reinstallation, a rare coverage that helps drivers quickly and safely reinstall airbags in their vehicles after an accident. This coverage is essential for quickly returning to the road and can be a major convenience.
However, the downside is that this insurer does not offer common coverages such as rideshare insurance and new car replacement or rare coverage such as OEM coverage, which can benefit drivers. So while Cincinnati Insurance provides great value and quality service, it may only meet the needs of some drivers.
What Makes an Insurer the Best for Customer Service?
Good customer service in an insurance company involves the following:
- Fast and fair claims processing
- Timely and effective responses to customer inquiries
- Commitment to resolving customers’ issues and providing helpful advice
Cincinnati Insurance scored highest in customer satisfaction and claims management according to our MoneyGeek scoring system, which combines ratings from J.D. Power and customer reviews. Its score of 93 out of 100 was higher than the other insurers we analyzed, including Westfield, with a 91 out of 100.
Best Car Insurance in Kentucky for Minimum Coverage
The best company for minimum coverage in Kentucky is Cincinnati Insurance. This company offers the most affordable and quality coverage to meet Kentucky’s minimum requirements:
- Cincinnati Insurance: MoneyGeek score of 95 out of 100 ($258 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100 ($363 per year)
Cincinnati Insurance has the cheapest minimum car insurance coverage among the 12 insurers we analyzed and offers the best customer service. Although the minimum coverage policies provide the lowest rates, they also have limited protection against liability costs and no coverage for damages to your vehicle.
pros
The least expensive auto minimum coverage provider at $258 per year
Offers discounts for bundling and safe driving
Ranks first for affordability and customer satisfaction
cons
Lacks standard discounts for having driver's education, paying in full and choosing paperless billing
Claims processing could be improved
COMPANY HIGHLIGHTS
Cincinnati Insurance scored the highest marks on both affordability and customer service. It had the lowest annual premium of $258, about $100 cheaper than the second most affordable provider, Auto-Owners Insurance Co.
This insurer offers multiple discounts to help you save on your premiums. Common discounts include those for bundling, insuring multiple cars and safe driving. Additionally, Cincinnati Insurance offers an anti-lock brake discount, a safety feature that helps drivers maintain control on slippery surfaces. This is a rare and valuable discount, helping drivers save on their premiums.
What Makes an Insurer the Best for Minimum Coverage?
An insurance company with an excellent minimum coverage policy offers low rates and good customer service. Cincinnati Insurance earned the top score from MoneyGeek for affordability and customer satisfaction. Cincinnati Insurance outperformed its competitors and scored higher than the other 11 insurers included in the analysis.
The MoneyGeek score is based on data from J.D. Power and other customer satisfaction surveys, which measure the customer service quality of insurance companies.
Best Car Insurance in Kentucky for Young Adults
Young Kentucky drivers in their 20s can get the best car insurance coverage from Cincinnati Insurance. Our analysis found the following companies to be the most competitive in terms of price and service quality:
- Cincinnati Insurance: MoneyGeek score of 94 out of 100 ($1,051 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100 ($1,088 per year)
Cincinnati Insurance scored high in price and customer experience, making it the top choice for young adult drivers in Kentucky. In Kentucky, young adult drivers pay less than their teenage counterparts but still more than older drivers due to their limited driving experience. MoneyGeek recommends that you shop around to find the cheapest insurer for young adults in Kentucky.
pros
With an annual rate of $1,051, Cincinnati Insurance offers the third-cheapest premium for young adults
Offers a discount to good students
Ranks first for customer satisfaction
cons
Lacks drivers education and distant student discounts
Limited discounts options
COMPANY HIGHLIGHTS
In our analysis, Cincinnati Insurance scored high in both affordability and customer service, making it the top choice for young adult drivers in the state.
The insurer offers good student discounts, making it an excellent choice for college or university students. Additionally, Cincinnati Insurance ranks first for customer satisfaction so that young adults can be assured of quality service.
Cincinnati Insurance provides rare coverage, including lock replacement, that can reimburse up to $1,500 should your keys be misplaced or stolen. Ensure you inform the insurer in writing within 72 hours of discovering the loss for this coverage to apply. Additionally, when you install an anti-theft system in your car, you may also qualify for a discount on your premium.
What Makes an Insurer the Best for Young Adults?
The best insurance companies for young adults provide a balance of affordability, coverage options and a strong customer service experience.
When shopping for an auto insurance provider, young adults should look for an insurer with competitive rates, discounts tailored to their needs and excellent customer satisfaction.
According to our analysis, Cincinnati Insurance ranks first for customer satisfaction, ensuring young adult drivers have access to quality and helpful support and third for affordability.
Best Car Insurance in Kentucky for Seniors
Cincinnati Insurance offers the best auto insurance for seniors in the Bluegrass State. Our top picks for seniors include:
- Cincinnati Insurance: MoneyGeek score of 95 out of 100 ($670 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 91 out of 100 ($717 per year)
Cincinnati Insurance received the highest MoneyGeek score for affordability and quality service in Kentucky. They offer competitive rates, excellent customer service and a wide range of coverage options. The cost of car insurance for Kentucky drivers in their 60s is similar to that of drivers aged 30 to 50. However, premiums tend to be higher for those in their 70s. Seniors looking for affordable car insurance in Kentucky should always shop for the best car insurance rates, as discounts and special offers may be available.
pros
Ranks first for affordability, with an annual rate of $670
Ranks first for customer satisfaction
Offers glass deductible modification
Ranks second for claims management
cons
Lacks accident forgiveness and custom parts coverage
COMPANY HIGHLIGHTS
Cincinnati Insurance received the highest MoneyGeek score for affordability and quality service in Kentucky. They offer competitive rates, excellent customer service and a wide range of coverage options.
Additionally, Cincinnati Insurance offers roadside assistance and rental car reimbursement coverage. They also provide antique or classic car insurance, which is useful for those who own older vehicles. Further, they offer discounts for bundling and merging your home and auto insurance.
What Makes an Insurer the Best for Seniors?
Their ability to offer competitive rates and quality service tailored to the needs of older drivers makes an insurer best for seniors. When looking for car insurance, seniors should look for a company that offers full coverage policies and personal injury protection (PIP) coverage to protect them in the event of a collision. They should also look for companies that provide discounts tailored to seniors, such as defensive driving discounts.
Cincinnati Insurance received the highest MoneyGeek score for affordability and quality service in Kentucky, with ratings from sources such as J.D. Power and consumer reports.
Best Car Insurance in Kentucky for Drivers With Offenses
The best insurer for drivers with blemishes on their driving record, such as speeding tickets, at-fault accidents or DUIs, is State Farm. Our top picks for this category include:
- State Farm: MoneyGeek score of 90 out of 100 ($953 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 88 out of 100 ($1,247 per year)
State Farm received a perfect MoneyGeek score for affordability and ranks fifth for customer satisfaction. Drivers who receive a speeding ticket, a DUI citation or get into an accident can expect to pay an average of $149, $699 and $410 more per year on their auto insurance premiums, respectively.
While this additional cost can be significant, drivers who are focused on savings may be able to find cheap car insurance in Kentucky after a driving incident by shopping around and comparing rates from different insurers.
pros
Ranks first for affordability with an average rate of $953 per year
Offers roadside assistance
Offers car rental and travel expenses coverage
cons
Limited coverage options
Below-average claims management score
COMPANY HIGHLIGHTS
State Farm offers the most cost-efficient full coverage premiums for Kentucky drivers with blemished records and provides a satisfactory customer service experience. State Farm falls short regarding claim management. However, they provide roadside assistance and rental car and travel expenses coverage as add-ons to existing policies. Unfortunately, accident forgiveness and new or better car replacement are not optional add-ons.
What Makes an Insurer the Best for Drivers With Offenses?
Insurers consider drivers with poor marks on their driving records high-risk drivers. Thus, they may be charged higher premiums. To get the best deal from an insurer, drivers with offenses should look for an insurer that offers competitive rates, discounts and flexible payment plans.
The provider should also have good customer service and a claims process that is easy to understand and navigate. Additionally, the insurer should have a good reputation for handling claims quickly and fairly.
Best Car Insurance in Kentucky for Drivers With New Cars
Travelers is the best car insurance for Kentucky drivers with new cars. Our recommendations for drivers with new cars are as follows:
- Travelers: MoneyGeek score of 91 out of 100 ($1,056 per year)
- Allstate: MoneyGeek score of 76 out of 100 ($1,440 per year)
Travelers ranks first for affordability and claims management. Premier New Car Replacement® coverage is an additional protection that covers the cost of replacing a new car if it is totaled within the first five years of purchase. This coverage is usually offered in addition to the standard auto insurance for a higher premium.
pros
Cheapest provider for those with new cars at $1,056 per year, on average
Offers new car replacement
cons
Lacks rare coverage options
COMPANY HIGHLIGHTS
Travelers scored particularly well in affordability and claims management, which are crucial when choosing a car insurance provider. Specifically, they offer the cheapest coverage, averaging $1,056 per year. Their claims management score is reasonable but not excellent.
In addition, they offer new car replacement coverage, which is an invaluable benefit for drivers with new cars. This coverage ensures that if a driver's new car is totaled in an accident, they will receive a payment equal to the cost of a new car. This is advantageous for those with new vehicles, as it helps to protect them from financial losses in the event of an accident.
Travelers also offers a variety of additional coverages, such as accident forgiveness and rental car reimbursement. Furthermore, coverages such as gap and rideshare insurance are available. These add-ons benefit those with cars purchased with loans and those who use their cars for ridesharing services.
What Makes an Insurer the Best for Drivers With New Cars?
When shopping for the best car insurance provider for drivers with new cars, it is important to consider an insurer's affordability and claims management. Additionally, looking for an insurer that offers new or better car replacement coverage is beneficial, which helps protect drivers financially in the event of a total loss due to an accident.
In this instance, Travelers offers the best car insurance for drivers with new cars and they offer Premier New Car Replacement® coverage. Conversely, GEICO is more affordable but does not offer new car replacement coverage. Thus, it didn't make the top spot.
Best Car Insurance in Kentucky for Military Drivers
Cincinnati Insurance is the best insurance provider for military drivers in Kentucky. It earned a MoneyGeek score of 95 out of 100.
USAA is widely considered the best car insurance provider for military personnel and their affiliates. In Kentucky, though, USAA, which has a MoneyGeek score of 93 out of 100, ranks lower than Cincinnati Insurance, which has a MoneyGeek score of 95 out of 100.
However, USAA typically ranks highest nationwide for military personnel and their families. It offers special discounts for active-duty members, veterans and their families, as well as access to military-specific financial services. Plus, USAA's customer service and claims handling are known to be top-notch.
pros
Ranks second for customer satisfaction
Affordable premium at $825 per year
Offers new car replacement add-on coverage
cons
Lacks mechanical breakdown insurance coverage
Lacks OEM coverage
COMPANY HIGHLIGHTS
Cincinnati Insurance is one of the best car insurance providers for military personnel and their affiliates. It scored an impressive 95 out of 100 on MoneyGeek's scorecard, ranking particularly high in customer satisfaction and affordability. On average, Cincinnati Insurance customers pay $825 per year in premiums, making it one of the region's most affordable car insurance providers.
Cincinnati Insurance offers a range of coverages beneficial to military personnel, including rental car reimbursement. The insurer also offers new car replacement coverage for members who lose their car due to a covered total collision or other non-collision incidents. Cincinnati Insurance also offer discounts for safe driving, multiple cars, bundling and safety feature installation for active-duty members, veterans and their families.
How to Find the Best Car Insurance in Kentucky for You
Kentucky residents searching for the best car insurance should look at cost, service reputation and financial stability. MoneyGeek's guide provides the information you need to make an informed decision. To find the best car insurance for you, follow these steps:
1
Research customer service reputations in Kentucky
MoneyGeek gathers data from J.D. Power satisfaction scores and NAIC complaint ratio to make your car insurance comparison easier. To do this yourself, visit Kentucky's department of insurance website to look up customer service satisfaction ratings and complaint ratios for each insurer.
2
Compare quotes
MoneyGeek's quotes are averages for typical drivers in most of Kentucky, but you'll need to collect quotes from different insurers to get a more accurate estimate. Gather at least three different quotes to understand the cost of insurance in your area.
3
Find the coverages you want in Kentucky
When researching car insurance companies, you should also ensure that the company provides the specific coverage and discounts you're looking for. While some insurers may advertise certain coverages or discounts, they may not be available in your state. Verify with your provider that they provide the coverages you need.
4
Check financial stability ratings
It's also important to check an insurer's financial strength rating before signing up. Large, national insurance companies tend to have stronger financial standing, but regional companies in Kentucky may have lower ratings. Make sure to check the financial strength ratings of the companies you're considering.
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FAQs About the Best Car Insurance in Kentucky
Your best car insurance provider varies based on your needs and driving profile. MoneyGeek answers some of Kentucky's most commonly asked questions about auto insurance.
About Mark Fitzpatrick
