Cheap Car Insurance Quotes in Kentucky (2024)
Farm Bureau has the best cheap car insurance in Kentucky, at $126 per month.
Find Cheap Auto Insurance Quotes in Kentucky
Best cheap car insurance companies in Kentucky
How we chose the top companies
Best and cheapest car insurance in Kentucky
- Cheapest full coverage: Farm Bureau, $126/mo
- Cheapest minimum liability: Farm Bureau, $38/mo
- Cheapest for young drivers: Farm Bureau, $107/mo
- Cheapest after a ticket: Farm Bureau, $126/mo
- Cheapest after an accident: Farm Bureau, $126/mo
- Cheapest for teens after a ticket: Farm Bureau, $107/mo
- Cheapest after a DUI: Travelers, $225 /mo
- Cheapest for poor credit: Farm Bureau, $126/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau, State Farm and Auto-Owners all have reliable customer service and cheaper rates than average.
State Farm the best choice for Kentucky drivers looking to get a quick online quote. Neither Farm Bureau or Auto-Owners offers online quotes, so you'll need to work with a local agent to compare rates.
Cheapest car insurance in Kentucky: Farm Bureau
Farm Bureau offers the cheapest full coverage auto insurance in Kentucky. At $126 per month, the company's price is less than half the state average.
The average cost of full-coverage car insurance in Kentucky is $210 per month.
Find Cheap Auto Insurance Quotes in Kentucky
Cheapest full-coverage car insurance in Kentucky
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $126 |
| Travelers | $149 |
| State Farm | $160 |
| Auto-Owners | $165 |
| Geico | $192 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Kentucky: Farm Bureau
Farm Bureau has the cheapest quotes in Kentucky for a minimum-coverage policy. An average Farm Bureau quote is $38 per month or $1,516 per year. That is 57% cheaper than the state average.
The average cost of car insurance in Kentucky is $89 per month, or $1,064 per year, for minimum-liability insurance.
Kentucky drivers can also find affordable car insurance with State Farm. A minimum-coverage policy from State Farm costs $56 per month.
Cheapest minimum-coverage car insurance in Kentucky
Company | Monthly rate |
|---|---|
| Farm Bureau | $38 |
| State Farm | $56 |
| Travelers | $67 |
| Auto-Owners | $75 |
| Geico | $79 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Kentucky
Cheapest car insurance rates for young drivers in Kentucky: Farm Bureau
Farm Bureau has the best minimum-coverage car insurance rates for young drivers in Kentucky.
Minimum coverage from Farm Bureau costs around $107 per month for an 18-year-old driver. That's 65% cheaper than the state average of $302 per month.
Farm Bureau also has the most affordable full-coverage insurance quotes for teens, with an average of $107 per month.
Cheapest KY car insurance for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $107 | $338 |
| Travelers | $173 | $383 |
| State Farm | $187 | $451 |
| Auto-Owners | $257 | $500 |
| Progressive | $311 | $880 |
Younger drivers pay much more than older drivers for car insurance because they are more likely to get in an accident. In Kentucky, an 18-year-old driver with a clean record pays an average of $213 more per month for minimum-coverage insurance than a 30-year-old driver.
Young drivers can get a cheaper rate on their insurance by sharing a policy with a parent or relative. Typically, the cost of sharing a policy is much cheaper than buying separate policies.
Cheap Kentucky auto insurance after a speeding ticket: Farm Bureau
Farm Bureau has the cheapest quotes for Kentucky drivers with a speeding ticket, charging $126 per month for a full-coverage policy. Farm Bureau doesn't always raise rates after a ticket.
Lowest-priced Kentucky car insurance after a ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $126 |
| Auto-Owners | $168 |
| State Farm | $170 |
| Travelers | $194 |
| Geico | $248 |
The cost of car insurance increases by an average of 32% for Kentucky drivers after a single speeding ticket.
Cheapest car insurance after an accident: Farm Bureau
Drivers with a recent at-fault accident on their record will find the best car insurance rates at Farm Bureau. The company's average rate of $126 per month for full-coverage insurance is 61% cheaper than average in Kentucky for those with a recent accident.
Most affordable car insurance in Kentucky after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $126 |
| State Farm | $182 |
| Travelers | $212 |
| Auto-Owners | $227 |
| Progressive | $310 |
Kentucky drivers with one recent accident will see their rates increase by 61%, on average.
Cheapest car insurance for young drivers after a ticket or accident: Farm Bureau
Younger drivers with a recent speeding ticket or at-fault accident will find the cheapest quotes from State Farm. A minimum-coverage policy from State Farm costs $107 per month after a ticket and $130 per month after an accident.
Cheapest quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $107 | 130 |
| State Farm | $204 | 225 |
| Travelers | $221 | 250 |
| Auto-Owners | $257 | 368 |
| Progressive | $334 | 340 |
On average, insurance rates increase by 15% for an 18-year-old driver with a speeding ticket in Kentucky, while rates increase by 39% after an accident.
Young drivers who want to save on car insurance rates should consider a driver training course. Insurance companies often give discounts to teens who have completed training beyond what's required to get their license.
You may also be able to save on car insurance if you have good grades.
Cheapest car insurance quotes in KY after a DUI: Farm Bureau
Drivers with a conviction for driving under the influence (DUI) in Kentucky will find the cheapest insurance quotes with Farm Bureau, where the average cost of a full-coverage policy is $225 per month. That's 59% cheaper than the average price with a DUI in Kentucky.
Cheapest car insurance after a DUI in Kentucky
Company | Monthly rate |
|---|---|
| Travelers | $225 |
| Progressive | $279 |
| Farm Bureau | $294 |
| Auto-Owners | $381 |
| Allstate | $545 |
A DUI conviction can increase your car insurance rate dramatically. Drivers in Kentucky can expect car insurance quotes to more than double.
You may be able to reduce the amount you pay by taking a safe driver training course if your insurance company offers a discount.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau has the most affordable car insurance quotes for drivers with bad credit in Kentucky, with an average rate of $126 per month for full coverage. That's $23 per month cheaper than Travelers, the second-best option, and 42% less than the state average.
Best car insurance in Kentucky with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $126 |
| Travelers | $149 |
| State Farm | $160 |
| Geico | $165 |
| Geico | $192 |
Drivers with poor credit aren't worse drivers than those with good credit, but insurance companies believe that people with lower credit scores are more likely to make a claim. As a result, drivers with low credit scores often pay more for coverage than drivers with good scores.
Best car insurance companies in Kentucky
Farm Bureau is the best-rated insurance company in Kentucky, based on its excellent customer service.
Farm Bureau earned a high score based on customer service reviews and complaints, coverage availability and the overall value it provides drivers. People living in Kentucky can also find great service at State Farm and USAA.
Top insurance companies in Kentucky
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
When you're shopping for car insurance, choosing an insurance company you can count on is as important as finding the cheapest quotes.
A company with a reputation for good service can help make the claims process less stressful after an accident. On the other hand, poor customer service can delay the repair process and cost you more out of pocket.
Average car insurance rates in Kentucky by city
The cheapest car insurance in Kentucky can be found in Fort Thomas, while drivers in Goose Rock pay the highest rates in the state.
Where you live can impact your auto insurance rates as much as your driving history. Full-coverage auto insurance in Kentucky fluctuates by up to $141 per month from city to city. Drivers in Fort Thomas pay $155 per month for a full-coverage policy, while people in Goose Rock pay $308 per month for the same coverage.
City | Monthly Rate | % from average |
|---|---|---|
| Aberdeen | $197 | -6% |
| Adairville | $167 | -21% |
| Adams | $256 | 22% |
| Adolphus | $174 | -17% |
| Ages Brookside | $273 | 30% |
Kentucky auto insurance requirements
Kentucky requires drivers to have a minimum amount of bodily injury liability and property damage liability, often written as 25/50/25, along with $10,000 in personal injury protection. By law, Kentucky drivers must have at least:
Coverage | Minimum limit |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 |
Drivers may opt for combined liability coverage of $60,000 per accident in lieu of separate bodily injury and property damage limits.
Kentucky is a no-fault insurance state.
That means that you will need to have PIP insurance. It will cover the medical costs of you and your passengers, regardless of who caused an accident. It also means that you cannot sue other drivers for medical expenses, lost wages or other related costs if the total is under $10,000.
Drivers have the option to reject the limitation on filing a lawsuit, and to reject PIP coverage, by filing a form with the Kentucky Department of Insurance. However, you still need to carry guest PIP coverage on your insurance policy to protect passengers and pedestrians. The cost of keeping PIP coverage on your policy is usually low, so it's a good idea for most drivers.
What's the best car insurance coverage for Kentucky drivers?
Full coverage is the best coverage for most Kentucky drivers. After a crash, full coverage will pay to repair your car, pay your medical bills if you need it, and cover the other driver's costs if you were at fault.
Minimum-coverage auto insurance is the cheapest option, but it will only pay a limited amount for damage to the other driver's vehicle and injuries caused by the accident. It does not include comprehensive and collision coverages, which protect your own vehicle from damage.
Furthermore, the average new car price is almost $50,000. If another driver's car is totaled in a crash that you caused, you're responsible for any amount beyond what's covered by your liability policy.
A full-coverage policy in Kentucky costs $121 per month more than a minimum-coverage policy, on average.
If you choose a minimum-coverage policy, you might not have enough coverage if you're in a major accident. For this reason, we recommend full-coverage insurance for most drivers.
Frequently asked questions
Which company has the cheapest insurance in Kentucky?
Farm Bureau has the cheapest quote for minimum coverage in Kentucky, at $38 per month. It's also the cheapest option for drivers who want full coverage or have an imperfect driving history.
How much does car insurance cost in Kentucky?
The average cost of a minimum-coverage policy in Kentucky is $89 per month. Full coverage costs $210 per month, on average.
What is the minimum auto insurance coverage in Kentucky?
Kentucky state law requires at least $25,000 (per person)/$50,000 (per accident) in bodily injury liability and $25,000 in property damage liability, or $60,000 in combined liability coverage, in order to drive a car on public roads, plus at least $10,000 in personal injury protection.
Is car insurance expensive in Kentucky?
Car insurance in Kentucky is expensive compared to the rest of the country. It ranks as the 11th most expensive state for minimum coverage and the eighth most expensive for full coverage. One reason car insurance in Kentucky is so expensive is that it is a no-fault state.
How much does car insurance cost in Louisville vs. Lexington?
Car insurance in Lexington is much cheaper than in Louisville. Drivers in Lexington can expect to pay $174 per month for full-coverage auto insurance — 17% less than the state average. On the other hand, the insurance cost in Louisville is 9% above average, at $230 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Kentucky for the state's largest insurers. Rates are for a 30-year-old male who drives a 2015 Honda Civic EX and has good credit.
Unless otherwise noted, rates are based on a full-coverage policy.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.