Car Insurance in Kentucky: How to Find the Policy That Fits You

MoneyGeek has performed comprehensive research to get the necessary information for all your auto insurance requirements.

Find the Best or Cheapest Car Insurance in Kentucky

MoneyGeek’s unique scoring system ranks the best companies in Kentucky that balance cost and quality service. We also evaluated several quotes to find the cheapest car insurance companies in Kentucky.

If you’re looking for a breakdown of overall insurance costs, our analysis provides an estimate of how much you can expect to pay and how factors, such as your age and driving record, can impact premium rates.

Our findings highlight the cheapest and best auto insurance companies for drivers from various backgrounds. The table below provides a brief overview of what you can expect. All recommendations made below are for full coverage policies, unless otherwise specified.

tip icon
THE CHEAPEST CAR INSURANCE COMPANIES IN KENTUCKY
  • Minimum liability: State Farm
  • Full coverage: State Farm
  • Drivers with a DUI: State Farm
  • After an accident: State Farm
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: State Farm
  • Senior drivers: State Farm
  • Student drivers: Allstate
tip icon
THE BEST CAR INSURANCE COMPANIES IN KENTUCKY
  • Overall: State Farm
  • Customer Service: Erie
  • On a Budget: State Farm
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Travelers
  • Low-Mileage Drivers: Nationwide

Get a Kentucky Car Insurance Quote

Kentucky residents would benefit from comparing quotes from multiple providers to save on insurance costs. MoneyGeek’s research found that if you’re looking for car insurance in Kentucky, your rates may vary by as much as $1,427 per year depending on the provider. Comparing rates can potentially save you money.

Loading...

Car Insurance Laws in Kentucky

MoneyGeek explains the state minimum requirements in Kentucky. As per Kentucky laws, all drivers must have auto insurance with the following liability coverage:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
  • $10,000 for personal injury protection per person

In Kentucky, the state minimum coverage can only protect you up to these financial limits. It may not be enough to protect you in all circumstances, like an accident. You can use MoneyGeek’s guide to evaluate how much car insurance you need in Kentucky.

Specialty Car Insurance in Kentucky

Conventional car insurance may not be the best fit for every Kentucky driver. You can use MoneyGeek’s guide to explore other options to meet your needs. Below, learn more about unique coverages like non-owner car insurance and temporary car insurance. Unfortunately, car insurance unique to low-income drivers is not available in Kentucky.

MoneyGeek Specialty Car Insurance Resources

male

Non-owner car insurance

Non-owner car insurance in Kentucky is ideal for drivers who borrow, rent or use car-sharing services regularly. It is also a good option for those who want to reinstate their license.

carInsurance

Temporary car insurance

If you only need insurance for a few months, you can purchase temporary car insurance in Kentucky. It is ideal for drivers who are visiting Kentucky. If you’re renting a car, you would benefit from rental car insurance.

money

Car insurance for low-income drivers

You can use MoneyGeek’s guide to save on insurance premiums in Kentucky since the state does not have any programs for low-income drivers.

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.