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Compare car insurance in Kentucky

Get the cheapest car insurance in Kentucky for 2021

Landing close to the national average, Kentucky drivers pay an average of $1,088.73 per year or around $91 per month for auto insurance coverage, according to the National Association of Insurance Commissioners (NAIC). The state comes in around $100 less per year than the country’s annual average of $1,190.

You may or may not pay a rate in that ballpark because car insurance is affected by many factors. Factors that may influence your individual rate include your driving record, your car’s make and model and your ZIP code. Plus, the NAIC takes in to account state minimum coverage policies alongside those with higher coverage. Your rate will look different based on the coverage you choose.

Kentucky car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,088.73

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Kentucky state minimum car insurance requirements

To meet Kentucky’s car insurance requirements, you need at least liability coverage and personal injury protection. When shopping around, you’ll see the amount of liability required written as 25/50/10. These numbers are your coverage limits, telling you the maximum that your insurance will pay after an accident.

Let’s look in detail at Kentucky’s state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for injuries to two or more people per accident

For bodily injuries, Kentucky keeps a coverage requirement of 25/50 that’s common across other states. The coverage pays up to $25,000 for injuries to one person and $50,000 if you injure several people in the same accident.

This coverage is important because it protects you from paying for someone else’s medical bills or pain and suffering out of pocket. However, because these costs can get expensive, think about upping your liability limits above what Kentucky requires.

Property damage liability

Property damage liability

  • $25,000 in property damage liability

You also need $25,000 for property damage liability, which covers damage to the other driver’s car or personal belongings. This coverage limit is standard across other states, but it offers a low level of protection for accidents.

Personal injury protection or medical payments

Personal injury protection

  • $10,000 for personal injury protection

You also need personal injury protection (PIP) coverage, which pays for medical bills, lost income or other costs that you have because of accident-related injuries.

You or passengers in your car can claim these benefits, no matter who’s at fault in the accident. The $10,000 requirement is common across other states, although not every state requires PIP.

Finder tip: Kentucky’s state minimum coverage isn’t enough

Kentucky’s car insurance requirements don’t provide much protection except for minor accidents. For example, if you total someone’s car that’s worth $40,000, your insurance will pay up to $25,000 to replace their car.

To avoid paying out of pocket for the rest, try bumping up your liability limits and think about add-on coverage, based on your budget and driving situation.

7 factors that affect car insurance rates in Kentucky

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Kentucky’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

Teen drivers and drivers over 70 face higher rates across the country, Kentucky included. Your rates begin to even out around your mid-20s, and drivers in their 40s and 50s enjoy the lowest rates based on the age factor.
Gender

Gender

Kentucky allows insurance companies to use gender as a factor in rating auto insurance. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. Living in a larger city in Kentucky can raise your premium – residents of Louisville may pay more than locals in Covington. As well, higher rates of uninsured drivers and auto theft in Kentucky may cause higher insurance rates in the commonwealth as insurers offset these higher numbers with higher premiums.

With 13.9% of Kentuckians driving uninsured, it takes 17th place for its uninsured rate, according to the Insurance Information Institute. Having a high rate of uninsured drivers increases the cost of auto insurance for everyone.

Theft rates are another factor affecting insurance rates – if auto theft is high, insurance companies need to raise rates to offset the higher cost of repairing or replacing stolen vehicles. Kentucky’s rate of car theft is above the national average with 256.8 car thefts per 100,000 inhabitants – and the national average at 246.

Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Kentuck can increase your rate by around 48%. These types of violations typically stay on your record for about three years.
Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. A more expensive car to fix is more expensive to insure. A car with more safety features may end up costing less to insure because of discounts for the safety features. New vehicles often have more electronic parts that can cost more to replace.

The average resident drives 40.4 miles per day in Kentucky, which is higher than the national daily average of 36.1 miles per person according to the Bureau of Transportation. Driving more means a higher potential for accidents so insurance rates may also be higher.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Kentucky drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Kentucky law prohibits insurers from declining, nonrenewing or canceling a policy solely based on credit score.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

Most popular Kentucky auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$715,90422.5%
Kentucky Farm Bureau$602,62018.9%
Progressive$297,8739.3%
Geico$220,7606.9%
Liberty Mutual$206,2026.5%
Allstate$195,7816.1%
USAA$157,8575.0%
Nationwide$72,7222.3%
Shelter$61,4541.9%
Auto-Owners Insurance Co.$61,3351.9%

Cheapest car insurance rates in Kentucky

CompanyAverage annual rateLearn more
Kentucky Farm Bureau$600
State Farm$741
USAA$799Get a quote Read review
Cincinnati$874
Safeco$1,292
Motorists$1,294
Progressive$1,324Get a quote Read review
Geico$1,479Read review
Allstate$1,494Get a quote Read review
Metromile$1,917Get a quote Read review

Which city has the cheapest car insurance in Kentucky?

Of Kentucky’s largest cities, Florence has the cheapest rates and Elizabethtown has the most expensive car insurance rates. Elizabethtown drivers could face rates 2 times more than Florence drivers.

Car insurance quotes in Florence

CompanyAnnual car insurance rate
Allstate$2068
Metromile$2413
Safe auto$3034
Progressive$2114
Geico$1958

Car insurance quotes in Frankfort

CompanyAnnual car insurance rate
Allstate$2235
Metromile$2893
Safe auto$3364
Progressive$2347
Geico$2179

Car insurance quotes in Richmond

CompanyAnnual car insurance rate
Allstate$2158
Metromile$2893
Safe auto$2846
Progressive$2282
Geico$2154

Car insurance quotes in Elizabethtown

CompanyAnnual car insurance rate
Allstate$2161
Metromile$3185
Safe auto$3515
Progressive$2274
Geico$2235

Car insurance quotes in Bowling Green

CompanyAnnual car insurance rate
Allstate$2053
Metromile$2632
Safe auto$2916
Progressive$2183
Geico$2218

Compare car insurance providers in Kentucky

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

Bottom line

Make sure that you own a suitable insurance package for you, your car and lifestyle. Keep in mind that Kentucky has a particularly high uninsured drivers rate, so research your options and see what car insurance plan is in your best interest.

To learn more, from state regulations to the best discounts and coverage, visit our comprehensive guide to car insurance.

Frequently asked questions about car insurance in Kentucky

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