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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

Choice no-fault state

In choice no-fault states, drivers choose between fault-based or no-fault coverage.

Kentucky state minimum car insurance requirements

To meet Kentucky’s car insurance requirements, you need at least 25/50/25 in liability coverage as well as $10,000 in personal injury protection. 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: 25/50

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

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

Property damage liability

Property damage liability: 25

  • $25,000 to pay for damage to someone else’s car or property

This protection covers damage to the other driver’s car or personal belongings if you’re at fault in an accident. This coverage limit is standard across other states, but it offers a low level of protection.

Personal injury protection or medical payments

Personal injury protection (PIP)

  • $10,000 for medical bills, lost income and more

You also need PIP coverage to pay for costs related to injuries from an accident. 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.

Optional coverage that we recommend

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.

CoverageDescriptionConsider this coverage if
Higher liability coverage limitsMedical bills or legal expenses easily stack up. Make sure that your insurance will cover the majority of claims filed against you.
  • The state’s liability limits wouldn’t fully replace someone’s car or pay court fees.
  • You have large assets.
CollisionPays for your car’s damage for accidents where you’re at fault

Average cost: $26 per month, according to the NAIC

  • You drive a lot and rely on your car.
  • Your car loan requires it.
  • You can’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.
ComprehensiveThis “other-than-collision” coverage protects against vandalism, windshield cracks, harsh weather, hitting an animal and more.
  • Your auto loan requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • Your area sees harsh weather.
  • You’re in rural Kentucky where you might run into wildlife.
Uninsured/underinsured motoristMake sure that you’re not left paying for your own car repairs or medical bills if an underinsured driver hits you.
  • You don’t have the funds for major car repairs.
  • You don’t have health insurance.
  • Your health insurance has a high deductible or copays.

Cheapest rates by age in Kentucky

For young drivers under age 25 who want to pay under $200 per month, USAA or Allstate may be your companies of choice. USAA also drops lower than competitors for most other ages. However, Geico and Progressive are also solid options for drivers older than age 24.

AgeAllstateProgressiveGeicoUSAA
16-24$186.19$211.54$220.93$176.10
25-34$166.20$166.91$162.56$143.85
35-44$165.43$148.52$153.72$121.32
45-54$148.76$141.00$139.95$91.01
55-64$133.88$140.82$132.69

Cheapest rates by gender in Kentucky

When you’re looking at rates between men and women, they stick close together for most companies. However, men might find Geico with the lowest prices based on this sample. Women may see lower rates from USAA, or Geico if they don’t have a miliary affiliation for USAA.

CompanyAllstateProgressiveGeicoUSAA
Men$163.54$158.83$157.05$173.75
Women$160.98$164.68$159.14$126.18

Sample rates in Kentucky from major car insurance companies

Major brands charge well above the state’s average car insurance premium. In this sample, USAA offers the lowest rates, charging as much as $20 per month less than competitors. To find the cheapest companies, we used cost information from Savvy.

CompanyAllstateProgressiveGeicoUSAA
Rate$162.14$161.76$158.10$142.04

Best car insurance for Kentucky

In spite of low car insurance costs in Kentucky, make sure you’re getting the best deal by considering all the possibilites.

We recommend starting with these top companies because of their wellrounded coverage, high discounts and perks like a userfriendly app. They also get high ratings from the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners.

Best for wide coverage: State Farm

State Farm

Finder rating 3.5 / 5 ★★★★★

State Farm keeps a top-notch reputation for customer service, but it also offers a suite of coverage. Get all the standard coverage plus extras like rideshare insurance, roadside assistance and coverage for travel expenses after an accident.

You'll save the most on your policy by insuring several vehicles, bundling policies or joining State Farm's Drive Safe and Save program. Drive Safe and Save tracks your driving and rewards your safety on the road with a discount up to 30%. To top it all off, you'll always have a point of contact with your State Farm local agent.

Best value: Geico

Geico

Finder rating 4 / 5 ★★★★★

Competitive prices and user-friendly tools come standard with Geico's car insurance policies. You'll save the most by insuring multiple vehicles, keeping a clean driving record or having safety features on your car.

You can also buy accident forgiveness or earn it after going claim free for five years — your choice. Plus, digital natives should like Geico's handy app, which lets you access your insurance card, upload car damage photos, keep up with vehicle maintenance and more. Hundreds of thousands of customers praise the app for its user friendliness.

Best customer service: Kentucky Farm Bureau

Kentucky Farm Bureau

Finder rating 4 / 5 ★★★★★

If you're looking for a truly local experience, Kentuckians have trusted Kentucky Farm Bureau for decades for that reason. The bureau has agents located in every county, and they're experts on Kentucky's car insurance since it's the only state served.

Customers find rates competitive with other insurance companies in the area. Yet you won't miss out on the most common types of coverage, such as roadside assistance and rental car reimbursement.

Best for low mileage: Nationwide SmartMiles

Nationwide

Finder rating 4 / 5 ★★★★★

If you drive less than 12,000 miles per year, try a pay-per-mile policy to save big on your car insurance bill. We recommend SmartMiles in Kentucky because your policy is backed by one of the largest companies in the industry.

Enjoy peace of mind about trying a new policy because you get Nationwide's solid coverage and claims service. SmartMiles charges a monthly flat fee along with a per-mile fee, saving you the most when you drive less. The policy also uses a device plugged into your car rather than an app, so you won't drain your phone battery or data.

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.

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.
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.

Do I need to file an SR-22 in Kentucky?

No, Kentucky doesn’t require drivers to file an SR-22 for any driving violation. However, major violations come with other penalties that can affect your car insurance, such as getting your license suspended. Insurance companies see you as high risk if you have violations on record, leading to potentially high insurance premiums.

Top 10 auto insurance companies in USA that serve Kentucky

We’ve pulled the top 10 companies by market share that offer coverage in Kentucky, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Read review

USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Kemper
A+
784/1000
6.42
1.5

★★★★★ 3/5

Read review

Cheapest car insurance rates in Kentucky

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

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 Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
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Compare up to 4 providers

In Kentucky, drivers choose between fault or no-fault coverage

Kentucky is a choice no-fault state, which means that you choose between traditional liability or no-fault laws, according to the legal website Nolo. If you choose traditional liability, you can sue other drivers for pain and suffering with no limitations. If you choose no-fault coverage, you’ll file injury claims under your personal injury protection unless you suffer a serious injury.

However, Kentucky’s no-fault laws don’t apply to property damage like car repairs, according to Nolo. Your insurance company and legal authorities will determine who’s at fault for this damage. When determining fault, Kentucky considers whether both drivers are partially at fault under its pure comparative fault. Under this law, both drivers pay for the share of damage that they cause.

For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance also pays 20% of your damages.

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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