- 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 car insurance in Kentucky costs $150 per month for a full coverage policy from Travelers. That’s a $36 savings from the average cost of insurance in the state, which is $186 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Kentucky including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
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.
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 Kentucky companies for different coverage levels
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
In Kentucky, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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.
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 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Kentucky based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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Cheapest car insurance in Kentucky by driving history
In Kentucky, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Kentucky, drivers with a history of such violations typically pay $831 more annually than drivers with clean records.
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 in Kentucky after a DUI conviction
State Farm offers the cheapest car insurance to Kentucky drivers with a DUI conviction at $1,562 per year and Travelers has the second-cheapest insurance premiums at $2,675 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 42% less than those with a history of 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 companies 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Kentucky have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Kentucky is Adairville, at $1,805 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
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
How much can you save on auto insurance in Kentucky?
Shopping around for car insurance quotes in Kentucky can help drivers save 19% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Kentucky: Save on premiums
In Kentucky, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Kentucky below.
| 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
Based on our research, if you are a good driver, Travelers is the cheapest in Kentucky for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Kentucky is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
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