Kentucky Car Insurance Quotes: Compare State Farm, Kentucky Farm Bureau and More

Where’s the best place to get car insurance quotes in Kentucky? To help you get started, MoneyGeek determined car insurance averages by getting quotes from the largest insurers in the state like State Farm, Kentucky Farm Bureau and Progressive.

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Last Updated: 4/7/2022
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Typically, it will take you one to three minutes to secure a car insurance quote online. MoneyGeek evaluated quote processes from various insurers using varying driving profiles to help you compare providers in Kentucky in minutes.

Car insurance quotes in Kentucky vary considerably depending on your profile. Based on MoneyGeek’s findings, the cheapest rate in the state is $650 per year and applies to a 40-year-old SUV driver with state minimum coverage, a clean record and an excellent credit score. Conversely, the priciest coverage in Kentucky is for a 20-year-old luxury sedan driver with a DUI, a poor credit score and full coverage car insurance, at approximately $14,043 per year.

Car Insurance Quotes in Kentucky by Company

The car insurance companies with the largest market share in Kentucky are State Farm, Kentucky Farm Bureau and Progressive. MoneyGeek sourced quotes from various popular insurance carriers across different driving profiles and credit scores.

For drivers seeking to purchase cheap car insurance in Kentucky, MoneyGeek’s analysis can help you find the best coverage for your needs. Additionally, if you wish to compare how costs change across different factors, you can use MoneyGeek’s detailed average cost of car insurance in Kentucky.

Note that the insurance quotes in this guide do not factor in possible discounts from various providers.

MoneyGeek collected thousands of car insurance quotes in Kentucky. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Customize the toggles and get Kentucky car insurance quotes that fit your profile

State Farm Car Insurance Quotes in Kentucky

State Farm car insurance in Kentucky costs an average of $872 per year.

The lowest quote from this insurer is for a 40-year-old SUV driver with a state minimum insurance policy, a clean record and an excellent credit score. This costs approximately $350 per year.

The most expensive car insurance quote in Kentucky belongs to a 20-year-old luxury sedan driver with a poor credit score and an accident on their record. It’s for a full coverage policy that costs about $5,770 per year.

You can use the following table to select details that suit your profile and compare the costs of state minimum and full coverage car insurance.

State Farm Car Insurance Quotes in Kentucky

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $441
  • 100/300/100 Comprehensive/Collision
    $898

Kentucky Farm Bureau Car Insurance Quotes in Kentucky

A car insurance policy from Kentucky Farm Bureau costs approximately $1,006 per year.

The cheapest quote from the company applies to a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance. It costs an average of $432 per year.

Contrarily, the most expensive quote from Kentucky Farm Bureau is about $12,781 per year. This is for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage.

You can pick the characteristics that fit your driving profile in the table below to compare the costs of a state minimum and a full coverage car insurance policy.

Kentucky Farm Bureau Car Insurance Quotes in Kentucky

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  • Coverage Level
    Kentucky Farm Bureau Average Annual Quote
  • State Minimum Liability
    $545
  • 100/300/100 Comprehensive/Collision
    $1,036

Progressive Car Insurance Quotes in Kentucky

In Kentucky, a Progressive car insurance policy costs around $1,575 per year.

The cheapest car insurance quote in Kentucky is for state minimum insurance, and it applies to a 40-year-old SUV driver with a clean record and an excellent credit score. The policy costs an average of $738 per year.

Meanwhile, Progressive’s most expensive quote costs approximately $16,718 and is for a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage car insurance.

You can use the table below to compare the costs of a state minimum and a full coverage car insurance policy. Choose the characteristics that suit your profile.

Progressive Car Insurance Quotes in Kentucky

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $929
  • 100/300/100 Comprehensive/Collision
    $1,623

Allstate Car Insurance Quotes in Kentucky

The average annual cost of an Allstate policy in Kentucky is $1,250.

The most affordable quote from Allstate is for a state minimum policy applicable to a 40-year-old SUV driver with a clean record and an excellent credit score. It costs about $591 per year.

The priciest Allstate quote in the state applies to a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage. This costs about $9,867 per year.

Drivers can use the table below to choose details that fit their driving profile and compare the costs of state minimum insurance and full coverage.

Allstate Car Insurance Quotes in Kentucky

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $744
  • 100/300/100 Comprehensive/Collision
    $1,288

GEICO Car Insurance Quotes in Kentucky

GEICO car insurance policies in Kentucky cost an average of $874 per year.

Their cheapest coverage costs an average of $403 per year, and it applies to a 40-year-old SUV driver with a state minimum insurance policy, a clean record and an excellent credit score.

On the other hand, GEICO’s most expensive quote is for a 20-year-old luxury sedan driver with full coverage, a DUI and a poor credit score. The policy costs approximately $12,973 per year.

Using the table below, you can choose characteristics that fit your driving profile to compare state minimum policy prices against full coverage insurance costs.

GEICO Car Insurance Quotes in Kentucky

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $508
  • 100/300/100 Comprehensive/Collision
    $901

USAA Car Insurance Quotes in Kentucky

USAA car insurance policies cost around $785 annually, although they are only sold to military families.

USAA’s cheapest car insurance quote in Kentucky is about $302 per year. The policy has state minimum liabilities and applies to a 40-year-old SUV driver with a clean record and an excellent credit score.

Meanwhile, a 20-year-old luxury sedan driver with a poor credit score, a DUI on their record and full coverage car insurance pays the highest amount at about $7,207 per year.

You can pick characteristics that fit your profile in the following table and compare premiums for a state minimum and a full coverage car insurance policy.

USAA Car Insurance Quotes in Kentucky

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $380
  • 100/300/100 Comprehensive/Collision
    $809

Travelers Car Insurance Quotes in Kentucky

Car insurance from Travelers in Kentucky costs approximately $1,310 per year.

The cheapest quote is approximately $622 per year. It is for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum coverage.

Meanwhile, Travelers’ highest priced quote is for a 20-year-old luxury sedan driver with a DUI on their record, full coverage and a poor credit score. It’s worth $13,066 on average.

Drivers can use the table below to pick characteristics that suit their profile and compare the cost of state minimum coverage against full coverage insurance.

Travelers Car Insurance Quotes in Kentucky

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  • Coverage Level
    Travelers Average Annual Quote
  • State Minimum Liability
    $783
  • 100/300/100 Comprehensive/Collision
    $1,350

How to Get Free Car Insurance Quotes in Kentucky

There are several ways to determine how much you will pay for car insurance in Kentucky. Getting an estimate is one of them. You can use MoneyGeek’s data or your own research to estimate how much you might pay for car insurance in the state.

In this guide, MoneyGeek compiled insurance quotes in Kentucky to help you compare prices across major providers. You can also use our calculator to get more precise costs.

Another alternative is to compare actual quotes directly from providers to get real prices. While this method is time-consuming, it provides the most accurate rates.

Auto Insurance Calculator

State

Kentucky

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$372

3.

GEICO

$467

4.

Kentucky Farm Bureau

$525

5.

Allstate

$726

How to Get Car Insurance Quotes from Insurers in Kentucky

To obtain car insurance quotes in Kentucky, you can use the company’s online tool or speak with an insurance broker or agent. You will need to provide your personal details and vehicle information, and it’s best to know how much car insurance you should get before asking for a quote from your provider.

MoneyGeek analyzed the duration it takes to get car insurance quotes in Kentucky from most providers. From the findings, Erie has the shortest online quote process. We also determined the companies that do not have an online quote tool, and designated the companies that didn’t allow us to get a quote online as having no quote tool.

How Fast Are Online Quote Tools in Kentucky?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • ERIE INS GRP
    • State Farm
    • Progressive
    • LIBERTY MUT GRP
    • Allstate
    • Travelers
    • BERKSHIRE HATHAWAY GRP
  • No Online Quote Process

    • KENTUCKY FARM BUREAU GRP
    • USAA
    • AUTO OWNERS GRP

State Farm Car Insurance Quote Tools in Kentucky

State Farm offers an online tool where you can get price estimates for your unique driving profile. MoneyGeek was able to use it in approximately two minutes. You are allowed to alter coverage amounts, and the tool will recalculate your rates.

Kentucky Farm Bureau Car Insurance Quote Tools in Kentucky

The Kentucky Farm Bureau website does not provide a quote tool that lets you get price estimates on the page. However, you can fill out a form with your personal information, find an agent near your location and specify your coverage amount. Your details will be forwarded to an agent who will contact you to offer accurate quotes.

Progressive Car Insurance Quote Tools in Kentucky

Progressive allows you to request a car insurance quote online and receive it within around two minutes. MoneyGeek obtained a quote from the insurer and discovered that drivers can adjust their coverage levels after an initial estimate and view price changes in a few seconds.

Liberty Mutual Car Insurance Quote Tools in Kentucky

Liberty Mutual has an online quote tool that you can use to estimate your car insurance costs. It took MoneyGeek about two minutes to complete the process. After your first quote, you can still revise your coverage amount and get a recalculated estimate. The tool also provides an option to bundle your policies so you can get a discount.

Allstate Car Insurance Quote Tools in Kentucky

Drivers can get personalized quotes from Allstate through their online quote tool in about two minutes. We were also able to make changes to the coverage amounts and receive new prices in real-time. Allstate even suggests various discounts that can help you save on premiums.

GEICO Car Insurance Quote Tools in Kentucky

You can acquire a car insurance estimate using GEICO's online quote tool on their website. The process took MoneyGeek about three minutes to complete. The tool recalculates your rates in no time if you change your coverage levels after you get the first estimate.

USAA Car Insurance Quote Tools in Kentucky

USAA has an online quote tool to help military families estimate car insurance costs. However, we were not able to obtain a quote from the online tool. USAA only provides rates for standard packages, but you may speak to an agent if you want a more accurate quote.

Erie Car Insurance Quote Tools in Kentucky

Erie provides an online quote tool on its website. It took approximately one minute to get an estimate. The tool also allows you to review and tweak your coverage amount after your first quote.

Auto-Owners Insurance Co Car Insurance Quote Tools in Kentucky

Auto Owners Insurance does not have an online quote tool on its website. To get your estimated cost of car insurance from the provider, you will need to speak to an agent. You can find an agent within your area by providing your ZIP code on the company website.

Travelers Car Insurance Quote Tools in Kentucky

Travelers has an online quote tool that can give you a price estimate within two minutes. MoneyGeek was able to get a quote from the insurer for Kentucky. You may alter your coverage amount after the initial quote and get new prices in less than a minute. It also allows you to bundle up coverages to save on premiums.

FAQ About Car Insurance Quotes in Kentucky

You shouldn’t have to spend a lot of time getting a car insurance quote in Kentucky. MoneyGeek answered the most common questions about getting quotes within the state to help you get started.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.