Cheapest Car Insurance in Kentucky


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Key Takeaways

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The cheapest car insurance companies in Kentucky for most drivers are Travelers, State Farm and Auto Owners, offering average savings of up to 35%.

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Car insurance costs can be as low as $47 monthly for minimum coverage and $94 for full coverage policies on average in Kentucky.

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To get the cheapest car insurance in Kentucky, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Kentucky?

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.

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.

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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. Below, you can review rates for your driver profile.

Young DriversTravelers$95
Adult DriversTravelers$47
Senior DriversShelter Insurance$53
Drivers With An AccidentState Farm$57
Drivers With A DUIState Farm$52
Drivers With A Speeding TicketShelter Insurance$51
Drivers With Bad CreditGrange Insurance$80
Drivers With Low IncomeGrange Insurance$64
Drivers With Newer CarsTravelers$44
Drivers With Old CarsAuto 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:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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%

*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

Your Kentucky auto insurance rates depend on your city's crime levels, accident rates and population density. State Farm offers the lowest rate at $34 in Rockfield, while Travelers charges $70 in Fairdale. Below are the most affordable providers for every Kentucky city.

Data filtered by:Results filtered by:
Select
City:Aberdeen
AberdeenShelter Insurance$39-32%

*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:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$95$1,146-48%
Farm Bureau$118$1,417-36%
Shelter Insurance$120$1,435-35%
State Farm$123$1,481-33%
Auto Owners$123$1,481-33%

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:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$47$560-40%
State Farm$50$598-36%
Geico$50$604-35%
Shelter Insurance$51$607-35%
Farm Bureau$52$625-33%

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:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Shelter Insurance$53$642-48%
Travelers$64$769-38%
State Farm$66$794-36%
Farm Bureau$67$802-35%
Geico$69$833-33%

Cheapest Car Insurance For High-Risk Drivers in Kentucky

We studied four core areas for profiles insurers consider particularly high-risk in Kentucky including those with bad credit, DUIs, accidents and speeding tickets. Below were our overall findings for who was most affordable for these groups in the state:

  • 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:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Grange Insurance$72$868-48%
Geico$88$1,054-36%
Farm Bureau$91$1,094-34%
Shelter Insurance$91$1,097-34%
Nationwide$121$1,457-12%

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:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$54$647-60%
Shelter Insurance$66$797-51%
Travelers$69$824-50%
Progressive$98$1,175-28%
Farm Bureau$112$1,340-18%

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, making it significantly cheaper than competing insurers.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$59$705-49%
Travelers$64$766-44%
Shelter Insurance$66$797-42%
Farm Bureau$67$806-42%
Geico$75$900-35%

Cheapest Car Insurance With an 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:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Shelter Insurance$51$607-46%
Farm Bureau$52$625-44%
Geico$53$635-44%
State Farm$54$647-43%
Travelers$60$718-36%

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.

  1. 1

    Compare Multiple Insurance Providers

    Get quotes from several insurance companies through different channels including insurance agents, company websites and comparison tools. Your rates can vary significantly between providers and quote methods, so casting a wide net helps find the best deal.

  2. 2

    Determine 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.

  3. 3

    Consider 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.

  4. 4

    Research 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 additional savings.

  5. 5

    Explore 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.

  6. 6

    Improve Your Risk Profile

    Work on improving your credit score and maintaining a clean driving record. These factors significantly impact your insurance rates and can lead to substantial savings over time.

  7. 7

    Choose 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 typically 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.

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    Vehicle damage if you're at fault won't be covered

    Kentucky drivers with minimum liability insurance face steep costs if they cause an accident. According to the Insurance Information Institute, 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.

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    Weather risks make damage to your car more likely and aren't covered

    Kentucky faces significant severe weather risks, with National Centers for Environmental Information data showing storms caused significant 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.

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    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 face substantial out-of-pocket expenses. Consider increasing coverage to 50/100/50 limits for better protection.

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    Not having uninsured motorist coverage opens you up to unexpected costs

    Kentucky's uninsured driver rate stands at 13.9% according to the Insurance Information Institute. Without uninsured motorist coverage, you'll pay out of pocket for damages caused by these drivers. Legal action against uninsured drivers often proves costly and time-consuming. Adding uninsured motorist coverage provides essential protection beyond basic liability insurance.

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    Vehicle theft damage is more likely and uncovered

    Kentucky reported auto thefts in 2023 according to 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 vital 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?

Who has the cheapest car insurance rates for young drivers in Kentucky?

Who offers the cheapest car insurance rates for seniors in Kentucky?

Who has the cheapest car insurance in Kentucky for bad credit?

Who has the cheapest car insurance in Kentucky with an accident?

Who has the cheapest car insurance in Kentucky with a DUI?

Who has the cheapest car insurance in Kentucky for those with a speeding ticket?

Should you buy the cheapest car insurance in Kentucky?

How We Found the Most Affordable Car Insurance in Kentucky

MoneyGeek collected auto insurance data from the Kentucky Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Kentucky.

Kentucky Driver Profile

Our analysis started with a standard driver profile to find the cheapest 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 companies in Kentucky that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Kentucky.

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


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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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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