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.
- 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.
Car insurance companies with cheap car insurance in Kentucky
Travelers has the cheapest full coverage car insurance in Kentucky, at an average premium of $150 per month or around $1,804 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Kentucky. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
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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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Kentucky
Kentucky requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
The following table lists Kentucky’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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.
Below, you’ll see average annual rates for major insurance providers in Kentucky, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance companies in Kentucky for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Kentucky, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Kentucky, drivers with a history of traffic violation pay an average of $831 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Kentucky
If you’ve got a speeding ticket on your Kentucky driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,562 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Kentucky.
| 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
CarInsurance.com analyzed insurance rates for Kentucky drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,562 . Travelers is the second-cheapest insurer at an average of $2,675 per year.
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 in Kentucky after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,670 a year.
On the other hand, Auto-Owners offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,155 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Kentucky
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.
In Kentucky, Adairville stands out as the city with the lowest auto insurance rates, at an average of $1,805 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
Below is a list of cities in Kentucky with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Kentucky
Shopping around for car insurance quotes in Kentucky can help drivers save 19% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
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 car insurance in Kentucky
Our research shows that Travelers has the cheapest full coverage car insurance rates in Kentucky for individuals with 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:
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.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Kentucky