With the gas prices in the United States at more than $4, according to AAA data, drivers looking to save a few bucks could opt for cheaper car insurance.

The cheapest car insurance in Kentucky costs $126 per month for a full coverage policy. That’s a $49 savings from the average cost of insurance in the state, which is $175 a month.

To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Kentucky including Geico, Progressive, Mercury, and many others, so that you can easily compare car insurance rates.

Granted, you probably don’t just want a good rate, you want good coverage as well. That’s why we have prepared this comprehensive guide for you. It will help you find cheap car insurance in Kentucky for your needs without sacrificing essential coverage and ensuring your financial security.

Who has the cheapest car insurance in Kentucky?

Geico offers the cheapest car insurance rates in Kentucky for a full coverage policy with an average premium of $126 per month or around $1,514 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.

List of cheapest car insurance companies in Kentucky

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

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Table
CompanyFull Coverage
Geico$126
State Farm$134
Travelers$135
Auto-Owners$146
Nationwide$148
 

Who pays a lower insurance premium in Kentucky?

Car insurance quotes vary based on a number of factors such as your age, location, driving record, credit score, driving habits, and type of vehicle you drive. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:

  • Married drivers pay 10% less than single drivers.
  • Kentucky drivers with clean records pay 47% less than drivers who have a DUI on their record.
  • Kentucky drivers in their 20s pay 59% lower rates for insurance than a 16-year-old in Kentucky.
  • Adding a teen to your policy will cost you 50% less than having the teen purchase their own auto insurance policy.
  • Drivers who are licensed for three or more years pay 23% less on their insurance premium.
  • Drivers insured for three or more years can save up to 16% on their insurance cost.

Cheapest companies for different coverage levels in Kentucky

It's no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history, and other factors.

In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies typically only cover damage to another driver’s bodily injury and property damage in the event of an accident.

Not all insurers offer the same coverage limits at the same price point. For instance:

  • Geico is the cheapest for a state minimum policy.
  • Geico has the cheapest rates for a liability-only policy (50/100/50).
  • Geico 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 the medical bills of those you injure with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 CoverageMinimum Limit
Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$25,000
Personal injury protection$10,000

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 cheapest to expensive for state minimum coverage.

CompanyAnnual Rates: State Minimum
Geico$376
State Farm$430
Kentucky Farm Bureau$432
Auto-Owners$567
Travelers$581

Cheapest liability-only coverage in Kentucky

Your liability-only coverage will cover the cost of any damage, injuries, or deaths you cause in an accident, up to the policy limits. 

Below you'll see average annual rates for major insurance providers in Kentucky, ranked cheapest to 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.

CompanyAnnual Rates: Liability Only
Geico$598
Kentucky Farm Bureau$614
State Farm$615
Auto-Owners$692
Travelers$705

Cheapest full coverage in Kentucky

Full coverage car insurance policies consist of comprehensive and collision insurance. It protects against accidents, theft, vandalism, and 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, ranked cheapest to expensive 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.

CompanyAvg. Annual Premium
Geico$1,514
State Farm$1,609
Travelers$1,614
Auto-Owners$1,748
Nationwide$1,770

Read more about full coverage car insurance:

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 Owensboro, at $1,435 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:

CityAvg. Annual Premium
Owensboro$1,435
Fort Thomas$1,441
Highland Heights$1,458
Florence$1,481
Villa Hills$1,488
Burlington$1,488
Bellevue$1,489
Silver Grove$1,494
Versailles$1,501
Dayton$1,502

How much can you save on car insurance in Kentucky?

By comparing car insurance quotes, you can save an average of 64% 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.

The bottom line on cheap car insurance in Kentucky

Based on our research, if you are a good driver, then Geico 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.

Get more insightful data analyzed by experts to learn how much average car insurance costs in Kentucky.

Methodology

CarInsurance.com commissioned Quadrant Information Services to field rates from all the major insurers in nearly every ZIP code of Kentucky for three different coverage levels. The rates mentioned are for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible -- unless otherwise stated -- for a 40-year-old driver with a clean driving record and a good credit score.

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Shivani Gite
Contributing Researcher

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy-to-understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.