- According to recent data, Travelers offers the cheapest full coverage car insurance in Kentucky at $150 per month.
- Kentucky drivers with a clean driving record pay 42% less for car insurance than drivers with a DUI.
- In Kentucky, the city of Adairville has the most affordable car insurance rates at $1,805 annually.
- Comparing price quotes from multiple insurers can help you save up to 19% per year on your car insurance policy in Kentucky.
The cheapest full coverage car insurance in Kentucky is $150, saving you $36 compared to the average cost of insurance in the state, which is around $186 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Kentucky, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Kentucky should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance in Kentucky?
Travelers offers the cheapest car insurance rates in Kentucky for a full coverage policy with an average premium of $150 per month or around $1,804 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Kentucky by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Kentucky per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $150 |
| Auto-Owners | $159 |
| Shelter Insurance | $160 |
| GEICO | $175 |
| Kentucky Farm Bureau | $176 |
| Progressive | $226 |
| State Farm | $229 |
| Allstate | $261 |
| Farmers | $296 |
| USAA* | $152 |
Note: USAA is only available to military community members and their families.
Kentucky drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- Kentucky drivers with clean records pay 42% less than drivers who have a DUI on their record.
- Kentucky drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in Kentucky.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest insurers for different coverage levels in Kentucky
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Kentucky Farm Bureau is the cheapest for a state minimum policy.
- Kentucky Farm Bureau has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Kentucky.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Kentucky
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Kentucky, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Kentucky, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Kentucky Farm Bureau | $326 |
| GEICO | $508 |
| Auto-Owners | $588 |
| Travelers | $609 |
| Shelter Insurance | $633 |
| State Farm | $715 |
| Progressive | $758 |
| Allstate | $890 |
| Farmers | $1,039 |
| USAA* | $533 |
Note: USAA is only available to military community members and their families.
Cheapest Kentucky insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Kentucky’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Kentucky Farm Bureau | $522 |
| Auto-Owners | $713 |
| Travelers | $732 |
| GEICO | $798 |
| Shelter Insurance | $802 |
| State Farm | $953 |
| Progressive | $1,043 |
| Allstate | $1,161 |
| Farmers | $1,355 |
| USAA* | $668 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Kentucky
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Kentucky from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,804 |
| Auto-Owners | $1,911 |
| Shelter Insurance | $1,917 |
| GEICO | $2,106 |
| Kentucky Farm Bureau | $2,113 |
| Progressive | $2,714 |
| State Farm | $2,753 |
| Allstate | $3,127 |
| Farmers | $3,548 |
| USAA* | $1,820 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance in Kentucky, by driving history
Your driving history affects how much you pay for insurance in Kentucky because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $831 more annually in Kentucky than an individual with a clean driving record.
Cheap car insurance rates in Kentucky after a speeding ticket
A speeding ticket can impact your Kentucky car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,562 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Auto-Owners | $1,683 | $2,045 | 21% | $362 |
| GEICO | $1,502 | $2,338 | 56% | $836 |
| Travelers | $1,665 | $2,551 | 53% | $886 |
| Nationwide | $1,789 | $2,735 | 53% | $945 |
| Allstate | $2,412 | $2,844 | 18% | $432 |
| Progressive | $2,474 | $3,253 | 31% | $779 |
| USAA* | $1,601 | $2,065 | 29% | $464 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Kentucky after a DUI conviction
Kentucky drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,562 a year, followed by Travelers with an annual premium of $2,675 annually, based on recent data.
If you have a clean record, you are likely to pay 42% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Travelers | $1,665 | $2,675 | 61% | $1,010 |
| Progressive | $2,474 | $3,150 | 27% | $675 |
| Allstate | $2,412 | $3,187 | 32% | $775 |
| GEICO | $1,502 | $3,494 | 133% | $1,992 |
| Nationwide | $1,789 | $3,526 | 97% | $1,737 |
| Auto-Owners | $1,683 | $3,722 | 121% | $2,039 |
| Kentucky Farm Bureau | $2,325 | $5,481 | 136% | $3,155 |
| USAA* | $1,601 | $2,686 | 68% | $1,085 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Kentucky
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,670.
Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,155.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,670 | 15% | $215 |
| Auto-Owners | $1,683 | $2,155 | 28% | $472 |
| Travelers | $1,665 | $2,457 | 48% | $792 |
| GEICO | $1,502 | $2,499 | 66% | $997 |
| Nationwide | $1,789 | $2,838 | 59% | $1,049 |
| Kentucky Farm Bureau | $2,325 | $3,123 | 34% | $798 |
| Allstate | $2,412 | $3,944 | 64% | $1,532 |
| Progressive | $2,474 | $4,060 | 64% | $1,585 |
| USAA* | $1,601 | $2,582 | 61% | $981 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Kentucky cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Adairville is the city with the lowest premiums in Kentucky at an annual auto insurance rate of $1,805.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Kentucky cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Adairville | $1,805 |
| Alvaton | $1,807 |
| Rockfield | $1,822 |
| Franklin | $1,825 |
| Russellville | $1,848 |
| Paint Lick | $1,851 |
| Auburn | $1,853 |
| Woodburn | $1,862 |
| Owensboro | $1,863 |
| Glasgow | $1,865 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Kentucky?
By comparing car insurance quotes, you can save an average of 19% per year for a full coverage policy in Kentucky.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Kentucky: Save on premiums
Car insurance discounts in Kentucky can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Kentucky.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 3% | $73 |
| Anti-theft device | 2% | $60 |
| Daily commute | 5% | $112 |
| Days advanced purchase | 7% | $149 |
| Days per week driven | 4% | $85 |
| Education | 7% | $139 |
| Electronic funds transfer | 6% | $147 |
| Homeowner | 7% | $207 |
| Lower annual mileage | 5% | $116 |
| Loyalty – years renewal with company | 5% | $120 |
| Marital status | 7% | $246 |
| Multi policy | 9% | $213 |
| Paperless/electornic documents | 2% | $47 |
| Payment type | 9% | $224 |
| Primary use | 8% | $187 |
| Profession | 13% | $267 |
| Safety devices | 2% | $62 |
| Telematics | 11% | $225 |
| Years insured | 18% | $616 |
| Years licensed | 23% | $1,073 |
The bottom line on cheap auto insurance in Kentucky
Based on our findings, Travelers provides the cheapest rates for a full coverage policy in Kentucky if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Kentucky, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Kentucky for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
