The Cheapest Car Insurance in Kentucky for 2022

MoneyGeek determined the cheapest auto insurance carrier in Kentucky using quotes sourced from the largest providers. Based on the analysis, the cheapest insurer that is also widely available is State Farm, and policyholders can save up to $1,427 by comparing quotes.

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State Farm offers the most affordable car insurance for Kentucky drivers both for liability coverage as well as full coverage policies. However, how much you pay for car insurance will vary depending on factors like your age, credit score, coverage amount and driving record.

For instance, if you are a young driver, you will find the lowest car insurance is from Allstate, while USAA offers the cheapest coverage for military members and their families.

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Cheapest Minimum Liability Car Insurance in Kentucky

The cheapest option for drivers looking for auto insurance in Kentucky is a minimum liability only policy, which meets the state requirements for coverage. If you are looking for a policy with broader protection, it would be best to get higher levels of coverage.

Based on MoneyGeek’s study, the cheapest car insurance in Kentucky for a minimum coverage policy are:

  • State Farm: $428 per year
  • GEICO: $493 per year

USAA, at an average cost of $369 per year, is the most affordable option in the state. However, it is only available to current and former military members. The insurance carrier with the most expensive policy for minimum coverage in Kentucky is MetLife. Its policy costs $1,621 per year.

Cheapest Minimum Car Insurance in Kentucky
  • Company
    Annually
    Monthly
  • 1.
    $369
    $31
  • 2.
    $428
    $36
  • 3.
    $493
    $41
  • 4.
    Kentucky Farm Bureau
    $529
    $44
  • 5.
    $722
    $60

These prices are only estimates based on rates for an average Kentucky driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Kentucky

A full coverage policy with higher liability limits and comprehensive and collision insurance will protect you against most road and off-road accidents in Kentucky. It costs more than a minimum coverage policy, but it will protect you against the cost of damages to your own vehicle. To find the best policy for your needs, compare quotes from various insurers.

The two most affordable auto insurance providers in Kentucky for comprehensive and collision coverage are:

  • State Farm: $872 per year
  • GEICO: $874 per year

At an average of $785 per year, USAA is the most affordable option for current and former military members. The most expensive full coverage car insurance policy in Kentucky is from MetLife. Their average annual premium is $2,212.

Cheapest Full Coverage Car Insurance in Kentucky

These prices are based on average rates for a comprehensive and collision insurance policy that covers up to $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident. Individual premiums will vary and may be different from the averages shown.

How to Compare Cheap Kentucky Car Insurance Quotes Online

Most car insurance companies in Kentucky have online tools that allow drivers to get reasonably accurate quotes. To find the best policy, it is ideal to get quotes from multiple insurers.

  • Start by determining the coverage level you will need. Then, keep quotes consistent. For example, if you get a quote for $300,000 in bodily liability insurance per accident from one insurer, use the same number when you get quotes from other providers.
  • MoneyGeek’s calculator helps you to compare car insurance quotes in Kentucky without providing your personal information. However, if you are looking for a personalized quote, you will need to provide more details. You can also review MoneyGeek’s price data to see which company websites you should visit.
  • Overall, the three most affordable auto insurance companies in Kentucky are USAA, State Farm and GEICO. You can start your search for the best policy by getting quotes from these companies.

Auto Insurance Calculator

State

Kentucky

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

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

low end

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

Cheapest Car Insurance for Drivers With a DUI in Kentucky

Kentucky drivers who have serious violations in their driving history, such as a DUI, usually have higher insurance rates due to increased risk. The average cost of car insurance for Kentucky drivers with a DUI is $2,597 per year. A similar policy for a driver with a clean record costs $1,405 annually.

The cheapest options for a full coverage policy for drivers with a DUI in Kentucky are:

  • State Farm: $939 per year
  • Allstate: $1,620 per year

USAA offers current and former military members and their families cheap coverage at $1,266 on average per year. The most expensive car insurance for drivers with a DUI in Kentucky is MetLife at $5,439 on average annually.

Average Car Insurance Rates With a DUI

A DUI in Kentucky can affect more than just car insurance rates. Even a first time DUI can mean jail time, fines, substance program requirements, ignition interlock and license suspension. In Kentucky, Insurance Institute for Highway Safety, 1,722 people died in car crashes involving alcohol from 2009-2018 and 1.4% of Kentucky drivers admit to driving after drinking too much in the last 30 days. The table above provides an estimate of the monthly premium the average driver can expect to pay with a DUI on their driving record in Kentucky.

A conviction for DUI can stay on your driving record for five years and a commercial license for ten years. Find out the true cost, besides an increase of insurance premiums with our guide outlining the true cost of receiving a DUI.

Cheapest Car Insurance in Kentucky for Drivers With an At-Fault Accident

Drivers with an at-fault accident on their driving record will pay considerably higher car insurance premiums than those with a clean driving record. The average cost of car insurance for drivers with an at-fault accident is $2,035 per year.

In Kentucky, the companies with the lowest average rates for drivers with an at-fault accident are:

  • State Farm: $1,006 per year
  • Kentucky Farm Bureau: $1,315 per year

While USAA is the second-cheapest for drivers with an at-fault accident in Kentucky with a cost of $1,141, its policies are only available to current and former military members.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Kentucky

Individuals who have minor driving violations in Kentucky like tickets tend to have higher rates. The average cost for a driver with a speeding ticket in Kentucky is $1,683 per year, which is more than the $1,405 average annual rate for a driver with a clean record.

Based on average rates for a full coverage policy, the cheapest options for a Kentucky driver with a speeding ticket are:

  • State Farm: $939 per year
  • GEICO: $968 per year

For military members and their families, USAA offers the most affordable option at an average rate of $965 per year. MetLife is the most expensive on average at $2,993 per year.

Average Car Insurance Rates With a Ticket

Speeding and distracted driving tickets can affect your chances of getting cheap car insurance in Kentucky. Receiving tickets is a sign to insurance companies that you may be a risky driver. The table above shows the average monthly auto insurance premium for the average driver with a speeding or distracted driving ticket.

Currently, the law bans cell phone use for teens but allows calls to be made by drivers 18 and older. However, a bill is being considered to outlaw hand-held cell phone use for all drivers and drivers who are caught will receive higher fines for each offense. Distracted driving is more than using cell phones, it also includes grooming, eating, drinking and talking or interacting with other passengers. It's important to take steps to prevent distracted driving so that you can be safe on the road.

Cheapest Car Insurance Companies in Kentucky for Drivers With Bad Credit

Poor credit scores can lead to higher auto insurance rates in Kentucky. The average cost of a full coverage policy for a driver with bad credit in the state is $2,836 annually. That is more than double the annual average rate for an average driver with good credit, which is $1,405.

The cheapest car insurance companies in Kentucky for a driver with a poor credit score are:

  • State Farm: $1,682 per year
  • GEICO: $1,873 per year

USAA is $1,520 per year on average, making it the most affordable option in the state. However, it is only available to members of the military. MetLife is the most expensive option in Kentucky for drivers with bad credit at an average of $5,700 annually.

Average Car Insurance Rates for Drivers With Bad Credit

Auto insurance companies may use credit scores to predict the odds someone will file a claim, according to a study by the Federal Trade Commission. The average in Kentucky is 692, slightly lower than the national average of 703. Depending on your credit score, you may still qualify for the best and cheapest car insurance rates in Kentucky. The above table provides estimates of what drivers in Kentucky can expect to pay in auto insurance if they have a low credit score.

It can be helpful to find ways to improve your credit score so you can qualify for the most affordable car insurance with the best coverage.

Cheapest Car Insurance in Kentucky for Seniors

In most cases, senior drivers in Kentucky have slightly higher rates than young adults and middle-aged drivers. The average cost for senior drivers with full coverage in Kentucky is $1,499 per year. This is higher than the annual rate of $1,405 for average drivers with a similar policy.

The car insurance companies in Kentucky offering the cheapest options for senior drivers are:

  • State Farm: $836 per year
  • Kentucky Farm Bureau: $1,027 per year

The cheapest car insurance for military drivers and their families is USAA at an average $861 per year. Nationwide is the most costly option for senior drivers in Kentucky at $2,233 per year on average.

Average Car Insurance Rates for Seniors

In Kentucky, 16.3% of traffic fatalities in 2017 were caused by drivers ages 65 and older. Many states have specific driving and renewal rules for seniors. However, Kentucky is not one such state. Even without restrictions, seniors should use caution when driving to maintain safety. Always wear a seatbelt, only driving during clear conditions and avoid consuming substances that will impair your driving (check with a health care professional for guidance about taking certain medications and driving). The table below shows the average cost per month that seniors can expect to pay for auto insurance in Kentucky.

Slowed reaction times, reduced vision and certain medications can impair a senior’s ability to drive, resulting in increased chances of getting a ticket or into an accident. To maintain eligibility for the cheapest auto insurance rates in Kentucky, seniors can do things like drive a safe vehicle and take a safe driving class.

Cheapest Car Insurance in Kentucky for Young Drivers

Younger drivers pay more for car insurance because they are considered less experienced by insurance providers. 16-year-old drivers in Kentucky pay an average of $3,907 per year for car insurance, while 25-year-old drivers pay an average of $1,456.

The most affordable insurer for young drivers between age 16 and 25 is State Farm, which is the cheapest on average for individuals from 19 to 25 years.

Annual Car Insurance In Kentucky for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $3,907
    Allstate
    $2,521
  • 17
    $3,772
    Allstate
    $2,254
  • 18
    $3,435
    Allstate
    $1,982
  • 19
    $3,187
    State Farm
    $1,877
  • 20
    $2,737
    State Farm
    $1,665
  • 21
    $2,140
    State Farm
    $1,437
  • 22
    $1,994
    State Farm
    $1,298
  • 23
    $1,777
    State Farm
    $1,166
  • 24
    $1,624
    State Farm
    $1,077
  • 25
    $1,456
    State Farm
    $965

According to the Kentucky Transportation Cabinet, teens make up around 6% of all the state's drivers but are involved in close to 18% of all collisions. To keep costs down, teen drivers can be added to their family’s insurance plan. Young drivers may also be eligible for student discounts to help reduce auto insurance costs, such as being a good student, attending college more than 100 miles from home, driving a safe car and maintaining a clean driving record.

Insurance Rate Information for Military Drivers and Veterans

If you're a veteran or one of the 31,000+ active-duty military personnel living in Kentucky, always compare prices on auto insurance and ask for a military discount to save money. Bundling policies with the same carrier can also cut costs. Veterans may also be eligible for reduced rates on car insurance.

Whether living in Kentucky or deployed out of state, military members can register their vehicles with proof of insurance by mailing the fees to the County Clerk's office in your hometown. Military personnel can also renew online for a small fee. The following table showcases what active-duty members and veterans can expect to pay for auto insurance in Kentucky.

Average Rates for Kentucky service members

male
25 years$1,412
50 years$1,087
female
25 years$1,318
50 years$1,064

Car Insurance in Kentucky: What You Need to Know

Unless you register a vehicle as either salvage or a classic motor vehicle project — which means it isn't fit for the road — you need to register your car in Kentucky. Inoperable cars that remain on your property do not need to be insured, but drivers should notify the state that a car is out of commission. Vehicles used seasonally do not have to be insured year-round, but motorists have to turn in their license plates to the county clerk to avoid fines when the car is not in use.

Proof of Insurance in Kentucky

Kentucky insurers provide motorists with proof of coverage in the form of a paper insurance card or an electronic version. Drivers will likely need to show this card when:

  • The driver registers the vehicle
  • A police officer requests it
  • They are in an accident

Minimum Liability Insurance Requirements in Kentucky

Here is the minimum amount of coverage drivers in Kentucky must maintain:

  • $25,000 for injuries per person
  • $50,000 for injuries per accident
  • $25,000 for property damage

Alternatively, a Kentucky motorist may carry a policy with a single limit of $60,000.

Alternatives to Insurance in Kentucky

Kentucky drivers have the option of self-insuring their vehicles. They must file paperwork with the Executive Director of Insurance, showing they can pay claims if needed, and they must also deposit cash or hold property they can liquidate to pay for a claim. Typically, you will also need to provide a list of vehicles to be self-insured and make a security payment via a surety bond.

Self-insurance does not provide extra protection if you are at fault. You also will end up paying out of pocket should a claim be made — and a large claim can wipe out your savings.

How Much Coverage Do You Need in Kentucky?

Insurance experts generally recommend coverage of $100,000/$300,000 for bodily injury liability. You should also consider comprehensive and collision coverage. Comprehensive covers damage caused by events other than a traffic collision, such as inclement weather. Collision coverage will pay to fix your vehicle if it’s involved in an accident. Speak with an insurance professional to determine if you need these coverages for your vehicle.

Cheapest Car Insurance in Kentucky by City

In Kentucky, how much you pay for car insurance greatly depends on your location. For instance, drivers pay an average of $1,201 per year for the cheapest full coverage car insurance policy in Lexington, while those in Louisville pay an average of $1,610.

You can find more details about car insurance costs within your area by clicking on your city.

Average Insurance Rate by City in Kentucky

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FAQs About Car Insurance in Kentucky

For most Kentucky drivers, the most common questions about auto insurance center around the cost of the policy and insurance company information.

Expert Advice on Finding Cheap Car Insurance in Kentucky

To help you find trustworthy and accurate insight on car insurance in Kentucky, MoneyGeek collected expert advice from proven professionals. The views and sentiments expressed are those of the individual contributor.

  1. What are the key factors drivers in Kentucky should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Kentucky take to find affordable car insurance?
  3. How do regulations and rules in Kentucky impact insurance pricing and how consumers might shop for coverage?
Jonathan Handy
Jonathan Handy

Assistant Professor of Finance at Western Kentucky University

Malcolm Robinson
Malcolm Robinson

Professor of Economics at Thomas More University

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About the Author


expert-profile

Mandy Sleight is a professional freelance writer and licensed insurance agent. She has her property, casualty, life, and health licenses and has been working in the industry since 2005. Mandy has worked for well-known insurance companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a start-up employee benefits company.

Mandy earned her Bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master in Business Administration from Southern New Hampshire University. She uses her vast knowledge of the insurance industry and personal finance combined with her writing background to create easy-to-understand and engaging content to help readers make smarter choices with their budget and finances.


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