Cheap car insurance in Kentucky

How to get cheap car insurance in Kentucky

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Kentucky drivers will pay about the national average for car insurance, but drivers in big cities like Lexington could expect to pay more.

Kentucky

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,400

Average annual car insurance cost

90

Days to update your license

No-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Kentucky car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

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%

Average car insurance costs in Kentucky

Landing above the national average but not by much, Kentucky drivers pay an average of $1,300-1,400 per year for auto insurance coverage. This means if you’re over 25 and you don’t have any serious black marks on your driving record, you can probably expect an annual rate in that ballpark.

However, because car insurance is affected by so many outside factors, you could still end up paying significantly more or less for your car insurance.

Cheapest car insurance rates in Kentucky

CompanyAverage annual rateLearn more
Kentucky Farm Bureau$600
State Farm$741
USAA$799
Cincinnati$874
Safeco$1,292
Motorists$1,294
Progressive$1,324
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

Car insurance requirements in Kentucky

To fulfill Kentucky’s requirement in order to drive, your car insurance needs to include at the minimum:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per accident.
  • $10,000 property damage liability coverage per incident.

If you’re shopping for car insurance, you’ll sometimes see this written as 25/50/10.

Additionally, you’ll also need to purchase $10,000 in Personal Injury Protection (PIP). It is a requirement in Kentucky for all car insurance policies to include PIP. However, you have the right to decline no-fault coverage — just waive your right to this policy in writing and submit it to the Kentucky Department of Insurance.

Uninsured motorists coverage protects you if you get into a car accident with someone who is at fault for the accident but doesn’t carry insurance. Some states require that you carry this type of insurance — Kentucky doesn’t.

Additional options are available if you want to supplement your car insurance, such as:

  • Collision. Helps pay for damages caused by crashes.
  • Comprehensive. Helps pay for damages caused by non-collision events, such as fire, weather, and theft.

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.

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Frequently asked questions about car insurance in Kentucky

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