Travelers offers the cheapest full coverage car insurance in Kentucky at $94 per month or $1,123 a year, which is about 31% below the state average. Auto-Owners is a close second at $107 monthly or $1,285 yearly, costing $162 more than Travelers each year. GEICO follows at $109 per month, Shelter Insurance is $115, and State Farm rounds out the top five at $124. Explore the best car insurance in Kentucky for additional carrier comparisons.
Cheapest Car Insurance in Kentucky
Updated: November 17, 2025
Advertising & Editorial Disclosure
The cheapest car insurance companies and monthly rates in Kentucky are:
Full coverage: Travelers, $94
Liability only: Travelers, $47
Teens: Travelers, $157
Young adults: Travelers, $62
Seniors: Travelers, $62
DUI: State Farm, $54
SR-22: Travelers, $78
Non-owner: State Farm, $65
Bad credit: Grange, $63
Why You Can Trust MoneyGeek
We analyzed car insurance rates from major insurers across all Kentucky ZIP codes for various driver profiles, including those with clean records, those with violations, and different age groups. Rates are based on averages for a 40-year-old driver with good credit and a clean record, unless otherwise noted. Your actual rate may differ based on your circumstances, location, driving history and coverage options. Read more about MoneyGeek's methodology.
Cheapest Full Coverage Car Insurance in Kentucky
| Travelers | $94 | $1,123 | 31% |
| Auto Owners | $107 | $1,285 | 21% |
| Geico | $109 | $1,306 | 20% |
| Shelter Insurance | $115 | $1,374 | 16% |
| State Farm | $124 | $1,487 | 9% |
Cheapest Minimum Coverage Car Insurance in Kentucky
Kentucky drivers looking for the lowest liability-only rates will find Travelers at the top, offering $47 per month or $560 a year, which is about 40% below the state average.
GEICO follows at $48 monthly, while Shelter Insurance and State Farm are tied at $51 for the same coverage. Farm Bureau comes in at $52 per month. The $5 gap between Travelers and Farm Bureau adds up to $60 in yearly savings for drivers choosing the cheapest option.
| Travelers | $47 | $560 | 40% |
| Geico | $48 | $580 | 38% |
| Shelter Insurance | $51 | $607 | 35% |
| State Farm | $51 | $616 | 34% |
| Farm Bureau | $52 | $625 | 33% |
Cheapest Car Insurance in Kentucky by City
Auto-Owners offers competitive minimum coverage rates across Kentucky, appearing as the cheapest option in Paducah based on our analysis of the state’s 20 largest cities.
Prices vary by location, ranging from $37 per month in Owensboro to $52 in both Georgetown and Louisville. You can also consider best home and auto insurance bundles in Kentucky for added savings.
The $15 monthly difference between Kentucky’s cheapest and most expensive cities totals $180 a year for minimum coverage. Full coverage shows an even wider range, from $76 monthly in Owensboro to $124 in Louisville, reflecting how rates shift between urban and rural areas across the state.
| Ashland | Travelers | $40 | $82 | 30% |
| Bowling Green | Travelers | $43 | $84 | 27% |
| Covington | Nationwide | $39 | $62 | 34% |
| Elizabethtown | Travelers | $40 | $82 | 30% |
| Erlanger | Nationwide | $42 | $66 | 28% |
| Florence | Nationwide | $42 | $66 | 27% |
| Frankfort | Travelers | $40 | $81 | 23% |
| Georgetown | Travelers | $52 | $95 | 37% |
| Henderson | Travelers | $39 | $79 | 29% |
| Hopkinsville | Travelers | $40 | $80 | 28% |
| Independence | Travelers | $38 | $78 | 23% |
| Jeffersontown | State Farm | $36 | $87 | 32% |
| Lexington | State Farm | $41 | $96 | 23% |
| Louisville | State Farm | $52 | $124 | 30% |
| Mount Washington | State Farm | $41 | $97 | 28% |
| Nicholasville | Nationwide | $49 | $77 | 20% |
| Owensboro | Travelers | $37 | $76 | 21% |
| Paducah | Auto Owners | $49 | $89 | 18% |
| Radcliff | Travelers | $40 | $81 | 33% |
| Richmond | Travelers | $41 | $83 | 21% |
Cheapest Car Insurance in Kentucky for Teens and Young Adults
Young drivers in Kentucky get the lowest rates from Auto-Owners, which charges $257 per month for 16-year-olds. Travelers offers the best price for 25-year-olds at $62 monthly and also leads for 17-year-olds at $197, 18-year-olds at $157 and 19- and 20-year-olds at $125 and $106 per month.
The $195 monthly gap between ages 16 and 25 shows how age shapes pricing for teen car insurance and young adults in Kentucky. Drivers comparing cheapest car insurance for college students can look at these providers to find options that match their budget.
Note: Teens under 18 are not allowed to buy their own policy and need a parent or guardian to cosign.
Cheapest Car Insurance for Seniors in Kentucky
Senior drivers in Kentucky can find low-cost coverage with Cincinnati Insurance, which offers $67 per month for 65-year-olds. Travelers provides the best rate for 70-year-olds at $62 monthly and also leads for 80-year-olds at $78 for minimum limits.
The small $11 difference from age 65 to age 80 shows how pricing stays steady for experienced drivers. These companies offer rates 31% to 40% below the state average, giving long-time safe drivers lower premiums. Learn more about cheapest car insurance for seniors or senior citizen discounts across carriers.
| 65 | Cincinnati Insurance | $67 | $76 | 31% |
| 70 | Travelers | $62 | $108 | 40% |
| 80 | Travelers | $78 | $138 | 40% |
Cheapest DUI Insurance in Kentucky
Kentucky drivers with a DUI will find that State Farm offers the lowest minimum coverage at $54 per month. Shelter Insurance is next at $66, followed by Travelers at $69, Progressive at $98, and Grange at $158. For full coverage, State Farm leads at $127 monthly, with Shelter Insurance at $142.
The $104 monthly difference between State Farm and Grange adds up to $1,248 yearly, which is a sizable gap for high-risk drivers in Kentucky comparing the cheapest car insurance for high-risk drivers. You can explore the cheapest car insurance after a DUI across providers to find better rates.
| State Farm | $54 | $127 | 52% |
| Shelter Insurance | $66 | $142 | 44% |
| Travelers | $69 | $146 | 42% |
| Progressive | $98 | $161 | 30% |
| Grange Insurance | $158 | $213 | 0% |
Cheapest SR-22 Insurance in Kentucky
For Kentucky drivers who need SR-22 filing, Travelers offers the lowest minimum coverage at $78 per month, with State Farm close behind at $80. Auto-Owners is $95 monthly, Shelter Insurance charges $97, and GEICO also comes in at $95. For full coverage SR-22 rates, Travelers leads again at $142 per month, followed by Auto-Owners at $168 and State Farm at $188.
The SR-22 certificate itself costs $15 to $50 and is filed by your insurer with Kentucky’s Department of Motor Vehicles. Most drivers must keep an SR-22 for about three years after a serious violation, and maintaining continuous coverage is required during that period. Explore cheapest SR-22 insurance options across carriers to compare rates.
| Travelers | $78 | $142 | 41% |
| Auto-Owners Insurance Co | $95 | $168 | 29% |
| State Farm | $80 | $188 | 28% |
| Shelter | $97 | $189 | 23% |
| GEICO | $95 | $196 | 21% |
Cheapest Non-Owner Car Insurance in Kentucky
State Farm offers the cheapest non-owner car insurance in Kentucky at $65 per month, about 26% below the state average. Auto-Owners follows at $76 monthly, while Travelers costs $88 for this type of coverage. Non-owner policies are usually cheaper than standard auto insurance because they provide liability protection only and don’t insure a specific vehicle.
Non-owner insurance can help with license reinstatement, SR-22 needs or frequent rental car use. The $23 difference between the lowest and highest rates adds up to $276 a year. Compare cheapest non-owner car insurance or non-owner SR-22 insurance rates nationally to find the best fit.
| State Farm | $65 | 26% |
| Auto-Owners Insurance Co | $76 | 19% |
| Travelers | $88 | 6% |
Cheapest Car Insurance After an Accident in Kentucky
If you’ve had an at-fault accident in Kentucky, State Farm offers the cheapest minimum coverage at $59 per month, or 38% below the state average. Travelers comes next at $64 monthly, and Shelter Insurance is $66. For full coverage, State Farm and Travelers are tied at $135 per month, with GEICO at $166.
A rate increase of 20% to 40% is common after an at-fault accident, and these higher premiums may last three to five years. Your exact increase depends on the severity of the crash, your driving record, and how your insurer calculates risk.
| State Farm | $59 | $135 | 38% |
| Travelers | $64 | $135 | 36% |
| Shelter Insurance | $66 | $142 | 33% |
| Auto Owners | $82 | $145 | 27% |
| Geico | $75 | $166 | 23% |
Cheapest Car Insurance With a Speeding Ticket
For Kentucky drivers with a speeding ticket, Shelter Insurance has the lowest minimum coverage at $51 per month or $607 a year. Farm Bureau follows at $52 monthly, GEICO at $53, State Farm at $54 and Travelers at $60. For full coverage, Shelter Insurance remains the most affordable at $115 monthly, with GEICO at $120, State Farm at $127 and Travelers at $128.
A single speeding ticket can raise rates by 10% to 30%, depending on the speed and location. Many insurers remove these added costs after three years of safe driving. Defensive driving or traffic school may help reduce future violations.
| Shelter Insurance | $51 | $115 | 36% |
| Farm Bureau | $52 | $138 | 26% |
| Geico | $53 | $120 | 33% |
| State Farm | $54 | $127 | 30% |
| Travelers | $60 | $128 | 27% |
Cheapest Bad Credit Car Insurance in Kentucky
Grange offers the lowest minimum coverage for Kentucky drivers with poor credit at $63 per month or $752 a year. GEICO follows at $71 monthly, Farm Bureau comes in at $75, Shelter Insurance charges $79, and Nationwide is $106 for minimum limits.
For full coverage, Grange stays in the lead at $96 per month, giving drivers a $77 monthly or $924 yearly savings compared to GEICO at $173. Kentucky allows insurers to use credit history in their pricing, which raises costs for drivers with poor credit. A higher credit score can lower premiums by hundreds each year.
| Grange Insurance | $63 | $96 | 52% |
| Geico | $71 | $173 | 27% |
| Farm Bureau | $75 | $203 | 16% |
| Shelter Insurance | $79 | $200 | 16% |
| Nationwide | $106 | $193 | 10% |
How to Get the Cheapest Car Insurance in Kentucky
Your driving record, age, location and credit history determine car insurance costs in the Bluegrass State. Travelers offers competitive rates with full coverage averaging $94 monthly and minimum coverage starting at $47 monthly. Strategic shopping lets you save hundreds of dollars annually by comparing insurers and securing available discounts.
- 1Shop Multiple Carriers
Request quotes from three to five insurers, mixing national brands like GEICO and State Farm with regional specialists such as Shelter and Cincinnati Insurance. Regional carriers sometimes deliver $200 or more in annual savings compared to national brands in specific Kentucky markets.
Use MoneyGeek's car insurance calculator to generate custom estimates without sharing contact information. Learn more about how to compare car insurance effectively.
- 2Maximize Available Discounts
Pairing your home and auto insurance with one carrier cuts costs 5% to 25%, while multiple vehicles unlock savings of 10% to 25%. Seniors benefit from defensive driving certifications, students with B averages or higher qualify for good student discounts of 10% to 15%, and low-mileage drivers logging under 7,500 annual miles often see reductions of 15% to 30%. Maximize all available car insurance discounts.
- 3Adjust Coverage Options
Raising your deductible from $500 to $1,000 usually reduces premiums 10% to 15%. Travelers charges roughly $82 monthly for full coverage with $500 deductibles, dropping to $67 monthly with $1,000 deductibles.
That's $180 yearly savings, assuming you've got emergency funds to cover the higher deductible when needed. Consider how much car insurance you actually need when balancing affordability and protection.
- 4Meet Kentucky Requirements
Kentucky's legal minimums are set at 25/50/25, covering $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.
These state minimum requirements look adequate on paper but rarely cover full costs in serious collisions. With average vehicle repairs running $4,500 and total loss replacements climbing above $20,000, minimum limits leave financial gaps. Understand what happens if you drive without insurance in Kentucky.
- 5Shop After Life Changes
Marriage, relocation between Kentucky cities or adding vehicles often unlocks new discount opportunities. Kentucky's city-to-city rate variations mean moving from Louisville to Owensboro might save $30 monthly rather than the modest swings seen in some states.
Major life transitions often qualify you for improved rates or enhanced coverage options. Understand when to switch car insurance companies for optimal savings.
Cheap Car Insurance in Kentucky: FAQ
Our experts answer the most common questions to help you understand your options for affordable car insurance in Kentucky.
How much does car insurance cost in Kentucky?
Kentucky car insurance ranges from $800 to $1,500 annually for minimum coverage, depending on your driving record, location, and chosen insurer. Rural areas generally see lower rates than cities like Louisville or Lexington.
Your specific cost depends on factors like age, coverage limits, and claims history. For detailed Kentucky car insurance costs, compare quotes from multiple insurers to find affordable coverage that meets your needs.
Should you buy the cheapest car insurance in Kentucky?
The cheapest car insurance isn't always your best bet. Make sure the policy offers enough financial protection for major accidents. Comparing rates and choosing an affordable option with solid coverage gives you better protection overall.
Is state minimum coverage enough in Kentucky?
Kentucky requires all drivers to carry auto insurance to legally drive. The state uses an at-fault system, which means the driver responsible for the accident must pay for resulting injuries and property damage.
State minimum coverage includes personal injury protection, property damage liability and uninsured motorist coverage. Meeting these minimums keeps you legal, but choosing higher limits offers better financial protection if you’re involved in a serious crash.
Is Kentucky a no-fault state?
Kentucky is not a no-fault state. Kentucky follows an at-fault system where the driver responsible for causing an accident must pay for resulting damages and injuries. Drivers must carry liability insurance to cover harm they cause to others and injured parties can file lawsuits against at-fault drivers to recover compensation.
Does Kentucky allow gender-based insurance pricing?
Kentucky permits insurers to factor gender into car insurance rate calculations, which usually results in higher premiums for young male drivers compared to young female drivers with similar profiles. Still, some Kentucky insurers voluntarily choose not to use gender as a rating factor.
Note: Insurance regulations change over time. Check with your insurer about current gender rating practices, since some companies avoid using gender in their pricing even when state law allows it.
Most Affordable Car Insurance in Kentucky: Related Articles
How We Found the Most Affordable Car Insurance in Kentucky
Our Research Approach
Kentucky's car insurance market presents unique challenges. Rates vary between Louisville and rural areas, and the state's required personal injury protection (PIP) coverage affects premiums. Kentucky's specific minimum liability requirements and geographic rating factors add another layer of complexity. Our research cuts through this complexity to identify which insurers offer the lowest rates across Kentucky's diverse markets.
We collected auto insurance data from the Kentucky Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Kentucky.
Sample Driver Profile
Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical Kentucky drivers without violations or poor credit that increase premiums. You'll see base rates here. Your personal quote will adjust based on your specific driving history, credit and location.
Coverage Levels We Compared
We analyzed two coverage scenarios:
Minimum coverage: Kentucky's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25). This meets legal requirements but often falls short in serious accidents.
Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.
Location Affects Your Rate
Kentucky rates vary a lot from one city to another. Drivers living just a few miles apart can see prices differ by 50% for the same coverage. Our ZIP code review highlights the areas where geography pushes premiums higher.
For more information, see the detailed methodology here.
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
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- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed November 18, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed November 18, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed November 18, 2025.