Travelers offers Kentucky's most affordable car insurance with monthly rates of $47 for minimum coverage and $94 for full coverage. This saves drivers $38 monthly, or 35% compared to state averages. Get quotes from State Farm, Auto Owners, Shelter and GEICO too.
Cheapest Car Insurance in Kentucky
Updated: October 27, 2025
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Key Takeaways
The cheapest car insurance companies in Kentucky for most drivers are Travelers, State Farm and Auto Owners, offering average savings of up to 35%.
Car insurance costs can be as low as $47 monthly for minimum coverage and $94 for full coverage policies on average in Kentucky.
To get the cheapest car insurance in Kentucky, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Kentucky?
| Travelers | $47 | $94 | -35% |
| State Farm | $49 | $115 | -24% |
| Auto Owners | $59 | $109 | -22% |
| Shelter Insurance | $51 | $117 | -22% |
| Geico | $52 | $118 | -21% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN KENTUCKY
We've created additional guides below to help you in your search for the best and cheapest car insurance in Kentucky:
Best Car Insurance Rates by Category in Kentucky
Travelers offers the cheapest rates for three out of our 10 driver categories in Kentucky, including young drivers, adult drivers and drivers with newer cars. State Farm and Shelter Insurance also perform well, each providing the lowest rates for two driver categories. Review rates for your driver profile below.
| Young Drivers | Travelers | $95 |
| Adult Drivers | Travelers | $47 |
| Senior Drivers | Shelter Insurance | $53 |
| Drivers With An Accident | State Farm | $57 |
| Drivers With A DUI | State Farm | $52 |
| Drivers With A Speeding Ticket | Shelter Insurance | $51 |
| Drivers With Bad Credit | Grange Insurance | $80 |
| Drivers With Low Income | Grange Insurance | $64 |
| Drivers With Newer Cars | Travelers | $44 |
| Drivers With Old Cars | Auto Owners | $47 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Kentucky for You
While the tables above show overall winners, your cheapest car insurance provider in Kentucky depends on your specific situation. For example, Grange Insurance offers the lowest rates at $110 monthly for drivers with below-fair credit and an accident who need full coverage with 100/300/100 limits. Use our filterable table below to find the most affordable company for your profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $132 | $1,588 | -34% |
| Shelter Insurance | $142 | $1,704 | -29% |
| Auto Owners | $145 | $1,746 | -27% |
| State Farm | $146 | $1,753 | -27% |
| Geico | $152 | $1,820 | -24% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Kentucky by City
Twelve of Kentucky's 20 largest cities see Travelers offering the lowest monthly premiums in the dataset analyzed. State Farm claims Louisville, Lexington, and Jeffersontown, while Nationwide leads in four northern Kentucky markets: Covington, Erlanger, Florence, and Nicholasville. Auto-Owners takes Paducah at $49 monthly as of October 2025.
Rates span $36 to $52 monthly for minimum coverage. At $36 monthly through State Farm, Jeffersontown posts the state's cheapest rate. Owensboro and Independence follow at $37 and $38 monthly via Travelers. Both Louisville and Georgetown hit $52 monthly—the state's highest—through State Farm and Travelers respectively.
| Ashland | Travelers | $40 | -30% |
| Bowling Green | Travelers | $43 | -27% |
| Covington | Nationwide | $39 | -34% |
| Elizabethtown | Travelers | $40 | -30% |
| Erlanger | Nationwide | $42 | -28% |
| Florence | Nationwide | $42 | -27% |
| Frankfort | Travelers | $40 | -23% |
| Georgetown | Travelers | $52 | -37% |
| Henderson | Travelers | $39 | -29% |
| Hopkinsville | Travelers | $40 | -28% |
| Independence | Travelers | $38 | -23% |
| Jeffersontown | State Farm | $36 | -32% |
| Lexington | State Farm | $41 | -23% |
| Louisville | State Farm | $52 | -30% |
| Madisonville | Travelers | $40 | -27% |
| Nicholasville | Nationwide | $49 | -20% |
| Owensboro | Travelers | $37 | -21% |
| Paducah | Auto Owners | $49 | -18% |
| Radcliff | Travelers | $40 | -33% |
| Richmond | Travelers | $41 | -21% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Kentucky By Driver Age Group
Our analysis of car insurance rates in the Bluegrass State reveals the most affordable options across different age groups. Here are the cheapest insurance providers we found:
- Young Drivers (16-25): Travelers offers rates starting at $95 per month
- Adult Drivers (26-64): Travelers provides coverage from $47 per month
- Senior Drivers (65+): Shelter Insurance rates begin at $53 per month
Cheapest Car Insurance For Young Drivers in Kentucky
Young Bluegrass State drivers can find the most affordable rates with Travelers. For minimum coverage, monthly premiums start at $95, saving drivers 48% compared to the state average. Travelers also leads for full coverage, with monthly rates of $204 and savings of 39% versus typical Kentucky rates.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | $218 | $2,611 | -73% |
| Shelter Insurance | $574 | $6,889 | -30% |
| Auto Owners | $615 | $7,376 | -25% |
| Travelers | $627 | $7,527 | -23% |
| Farm Bureau | $635 | $7,617 | -23% |
Cheapest Car Insurance For Adult Drivers in Kentucky
Kentucky drivers can find the most affordable car insurance with Travelers. The company offers minimum liability coverage at $47 per month and full coverage at $94 monthly for adult drivers.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $293 | $3,515 | -11% |
| Farm Bureau | $266 | $3,186 | -20% |
| Geico | $230 | $2,765 | -30% |
| Grange Insurance | $110 | $1,315 | -67% |
| Shelter Insurance | $247 | $2,969 | -25% |
Cheapest Car Insurance For Senior Drivers in Kentucky
Shelter Insurance offers Kentucky seniors the most affordable rates for both full and minimum coverage. Annual premiums start at $1,450 for full coverage and $642 for minimum coverage.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | $155 | $1,854 | -63% |
| Shelter Insurance | $261 | $3,133 | -37% |
| Geico | $301 | $3,613 | -28% |
| Farm Bureau | $309 | $3,713 | -26% |
| Travelers | $381 | $4,572 | -8% |
Cheapest Car Insurance For High-Risk Drivers in Kentucky
We studied four core areas for profiles insurers consider high-risk in Kentucky, including those with bad credit, DUIs, accidents and speeding tickets:
- Cheapest for Bad Credit: Grange Insurance (From $80/mo)
- Cheapest With a DUI: State Farm (From $52/mo)
- Cheapest With an Accident: State Farm (From $57/mo)
- Cheapest With a Speeding Ticket: Shelter Insurance (From $51/mo)
Cheapest Car Insurance For Bad Credit in Kentucky
Grange Insurance offers Kentucky's most affordable car insurance for drivers with bad credit. Annual rates start at $868 for minimum liability coverage and $1,338 for full coverage policies.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Female
At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $317 | $3,801 | -24% |
| Geico | $285 | $3,414 | -32% |
| Grange Insurance | $127 | $1,520 | -70% |
| Shelter Insurance | $289 | $3,474 | -31% |
| Travelers | $350 | $4,197 | -16% |
Cheapest Car Insurance With a DUI in Kentucky
State Farm provides the most affordable car insurance for Kentucky drivers with a DUI, with annual rates starting at $647. Shelter Insurance offers the next best option at $797 per year.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
| Grange Insurance | $129 | $1,544 | -66% |
| Shelter Insurance | $247 | $2,969 | -35% |
| Travelers | $321 | $3,856 | -16% |
| Progressive | $348 | $4,177 | -9% |
| Geico | $366 | $4,398 | -4% |
Cheapest Car Insurance With an Accident in Kentucky
State Farm provides the most affordable car insurance for Kentucky drivers with an accident on their record. Rates start at $59 per month or $705 per year for state minimum liability coverage.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
| Grange Insurance | $110 | $1,315 | -67% |
| Geico | $230 | $2,765 | -30% |
| Shelter Insurance | $247 | $2,969 | -25% |
| Farm Bureau | $266 | $3,186 | -20% |
| Auto Owners | $293 | $3,515 | -11% |
Cheapest Car Insurance With a Speeding Ticket
Shelter Insurance offers the lowest rates for Bluegrass State drivers with speeding tickets. Kentucky motorists can get minimum coverage for $607 per year or full coverage for $1,374 annually through this affordable provider.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Female
Below Fair
| Grange Insurance | $114 | $1,373 | -58% |
| Geico | $166 | $1,993 | -40% |
| Shelter Insurance | $200 | $2,394 | -27% |
| Farm Bureau | $203 | $2,433 | -26% |
| Auto Owners | $245 | $2,942 | -11% |
How to Get the Cheapest Car Insurance in Kentucky
Finding the most affordable insurance companies is just one part of getting the best rates on car insurance in Kentucky. Here are proven ways to save the most on auto insurance.
- 1Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels including insurance agents, company websites and comparison tools. Your rates can vary between providers and quote methods, so casting a wide net helps find the best deal.
- 2Determine Your Coverage Needs
Know exactly what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring adequate protection. Consider your state's minimum requirements, your vehicle's value, and your financial situation.
- 3Consider Lower Coverage Amounts
If cost is a major concern, consider reducing your coverage levels or raising your deductibles. However, carefully evaluate your financial situation and risk tolerance before making this decision.
- 4Research Costs and Discounts
Look up average auto insurance costs for drivers with your profile. Take advantage of available discounts and consider bundling home and auto insurance for more savings.
- 5Explore Alternative Insurance Options
Look into pay-per-mile car insurance if you drive infrequently or telematics programs that reward safe driving habits. Some car manufacturers also offer their own insurance programs with competitive rates.
- 6Improve Your Risk Profile
Work on improving your credit score and maintaining a clean driving record. These factors impact your insurance rates and can lead to substantial savings over time.
- 7Choose a Cost-Effective Vehicle
If you're planning to buy a car, choose a cheaper car to insure. Older vehicles and those with high safety ratings cost less to insure than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Kentucky
Kentucky requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 for total injuries in an accident and $25,000 for property damage coverage. However, getting the cheapest coverage possible isn't often the best move, and minimum liability policies come with risks.
Vehicle damage if you're at fault won't be covered
Kentucky drivers with minimum liability insurance pay steep costs if they cause an accident. The Insurance Information Institute says the average property damage claim in Kentucky reached $4,711 in 2023.
Without collision coverage, you'll pay these costs out of pocket after an at-fault accident. Consider adding collision coverage to protect against repair expenses that could drain your savings.
Weather risks make damage to your car more likely and aren't covered
Kentucky experiences severe weather risks, with National Centers for Environmental Information data showing storms caused property damage in 2023. The state averages 21 tornadoes annually, putting vehicles at high risk for weather-related damage.
Basic liability insurance won't cover storm damage to your car. Add comprehensive coverage to protect against severe weather, especially if you park outdoors.
Bodily injury damage is more likely to exceed minimum limits
Kentucky's minimum bodily injury coverage of $25,000 per person falls short of typical injury costs. The Insurance Information Institute reports average bodily injury claims in Kentucky reached $22,734 in 2023, dangerously close to the minimum limit.
Rising medical costs mean you could pay substantial out-of-pocket expenses. Consider increasing coverage to 50/100/50 limits for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Kentucky's uninsured driver rate stands at 13.9% per the Insurance Information Institute. Without uninsured motorist coverage, you'll pay out of pocket for damage caused by these drivers.
Legal action against uninsured drivers often proves costly and time-consuming. Adding uninsured motorist coverage provides protection beyond basic liability insurance.
Vehicle theft damage is more likely and uncovered
Kentucky reported auto thefts in 2023 per National Insurance Crime Bureau data. Basic liability insurance provides no coverage if your car is stolen. Comprehensive coverage pays for theft-related losses and damage, offering protection in areas with higher crime rates.
Cheap Car Insurance in Kentucky: Bottom Line
Travelers stands out as Kentucky's most affordable car insurance provider, offering the lowest rates across various driver profiles and coverage types. While choosing the cheapest insurance option is tempting, price shouldn't be your only consideration. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in Kentucky: FAQ
Below, we answer common questions about affordable car insurance options that help Kentucky drivers save money.
What are the cheapest car insurance companies in Kentucky?
Travelers provides the most budget-friendly car insurance in Kentucky, with average annual rates of $560 for minimum coverage and $1,132 for full coverage. State Farm, Shelter Insurance, Auto Owners and GEICO also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Kentucky?
Travelers provides the most affordable rates for young drivers in Kentucky, with monthly premiums starting at $95.
Who offers the cheapest car insurance rates for seniors in Kentucky?
Senior drivers in Kentucky can find the lowest rates with Shelter Insurance, offering monthly premiums averaging $53 for those 65 and older.
Who has the cheapest car insurance in Kentucky for bad credit?
Grange Insurance provides the most affordable rates for bad-credit drivers in Kentucky, with monthly premiums averaging $80 for minimum coverage and $120 for full coverage.
Who has the cheapest car insurance in Kentucky with an accident?
State Farm offers the most affordable car insurance rates in Kentucky for drivers with accidents, starting at $57 per month for minimum coverage.
Who has the cheapest car insurance in Kentucky with a DUI?
State Farm provides the cheapest car insurance after a DUI in Kentucky, with rates of $52 monthly ($630 annually) for minimum coverage and $122 monthly ($1,468 annually) for full coverage.
Who has the cheapest car insurance in Kentucky for those with a speeding ticket?
After getting a speeding ticket, Shelter Insurance provides Kentucky's most budget-friendly rates: $51 monthly for minimum coverage and $117 for full coverage.
Should you buy the cheapest car insurance in Kentucky?
While choosing budget-friendly insurance is tempting, make sure you have sufficient coverage for major accidents. Travelers offers Kentucky drivers the best balance of affordable rates and quality coverage.
How We Found the Most Affordable Car Insurance in Kentucky
MoneyGeek gathered auto insurance data from the Kentucky Department of Insurance and Quadrant Information Services. Our analysis included quotes from 12 major insurers and over 200 million rate comparisons across every residential ZIP code in Kentucky.
Kentucky Driver Profile
Our study used a standard driver profile as the starting point for comparing the lowest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Kentucky
We compared car insurance providers in Kentucky offering both minimum and full coverage policies. Minimum coverage limits were set to match the state’s legal requirements.
The minimum coverage liability limits in Kentucky are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 31, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 31, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 31, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 31, 2025.