The cheapest car insurance in Kentucky costs $150 per month for a full coverage policy from Travelers. That’s a $36 savings from the average cost of insurance in the state, which is $186 a month.
“Drivers looking to get the cheapest insurance premiums in Kentucky should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Kentucky including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Travelers stands out as the cheapest option for full coverage car insurance in Kentucky, with an insurance premium of $150 per month.
- Drivers in Kentucky with a clean record pay 42% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Kentucky is Adairville, with an annual premium of $1,805.
- Kentucky drivers can save up to 19% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Kentucky
Travelers has the cheapest full coverage car insurance in Kentucky, at an average premium of $150 per month or around $1,804 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Kentucky. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Kentucky per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $150 |
| Auto-Owners | $159 |
| Shelter Insurance | $160 |
| Geico | $175 |
| Kentucky Farm Bureau | $176 |
| Progressive | $226 |
| State Farm | $229 |
| Allstate | $261 |
| Farmers | $296 |
| USAA* | $152 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Kentucky?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Kentucky drivers with clean records pay 42% less than drivers who have a DUI on their record.
- Kentucky drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in Kentucky.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest insurers for different coverage levels in Kentucky
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Kentucky Farm Bureau is the cheapest for a state minimum policy.
- Kentucky Farm Bureau has the cheapest rates for a liability-only policy (50/100/50).
- Travelers 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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Kentucky
Kentucky requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Kentucky, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Kentucky Farm Bureau | $326 |
| Geico | $508 |
| Auto-Owners | $588 |
| Travelers | $609 |
| Shelter Insurance | $633 |
| State Farm | $715 |
| Progressive | $758 |
| Allstate | $890 |
| Farmers | $1,039 |
| USAA* | $533 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Kentucky
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Kentucky, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Kentucky Farm Bureau | $522 |
| Auto-Owners | $713 |
| Travelers | $732 |
| Geico | $798 |
| Shelter Insurance | $802 |
| State Farm | $953 |
| Progressive | $1,043 |
| Allstate | $1,161 |
| Farmers | $1,355 |
| USAA* | $668 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Kentucky
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Kentucky from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,804 |
| Auto-Owners | $1,911 |
| Shelter Insurance | $1,917 |
| Geico | $2,106 |
| Kentucky Farm Bureau | $2,113 |
| Progressive | $2,714 |
| State Farm | $2,753 |
| Allstate | $3,127 |
| Farmers | $3,548 |
| USAA* | $1,820 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Kentucky by driving history
Your driving history impacts insurance premiums in Kentucky, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Kentucky, drivers with a history of traffic violation pay an average of $831 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Kentucky after a speeding ticket
A speeding ticket can impact your Kentucky car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,562 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Auto-Owners | $1,683 | $2,045 | 21% | $362 |
| Geico | $1,502 | $2,338 | 56% | $836 |
| Travelers | $1,665 | $2,551 | 53% | $886 |
| Nationwide | $1,789 | $2,735 | 53% | $945 |
| Allstate | $2,412 | $2,844 | 18% | $432 |
| Progressive | $2,474 | $3,253 | 31% | $779 |
| USAA* | $1,601 | $2,065 | 29% | $464 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Kentucky
CarInsurance.com analyzed insurance rates for Kentucky drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,562. Travelers is the second-cheapest insurer at an average of $2,675 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 42% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Travelers | $1,665 | $2,675 | 61% | $1,010 |
| Progressive | $2,474 | $3,150 | 27% | $675 |
| Allstate | $2,412 | $3,187 | 32% | $775 |
| Geico | $1,502 | $3,494 | 133% | $1,992 |
| Nationwide | $1,789 | $3,526 | 97% | $1,737 |
| Auto-Owners | $1,683 | $3,722 | 121% | $2,039 |
| Kentucky Farm Bureau | $2,325 | $5,481 | 136% | $3,155 |
| USAA* | $1,601 | $2,686 | 68% | $1,085 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Kentucky
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,670.
Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,155.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,455 | $1,670 | 15% | $215 |
| Auto-Owners | $1,683 | $2,155 | 28% | $472 |
| Travelers | $1,665 | $2,457 | 48% | $792 |
| Geico | $1,502 | $2,499 | 66% | $997 |
| Nationwide | $1,789 | $2,838 | 59% | $1,049 |
| Kentucky Farm Bureau | $2,325 | $3,123 | 34% | $798 |
| Allstate | $2,412 | $3,944 | 64% | $1,532 |
| Progressive | $2,474 | $4,060 | 64% | $1,585 |
| USAA* | $1,601 | $2,582 | 61% | $981 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
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 Adairville, at $1,805 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.
| City | Full coverage annual rates |
|---|---|
| Adairville | $1,805 |
| Alvaton | $1,807 |
| Rockfield | $1,822 |
| Franklin | $1,825 |
| Russellville | $1,848 |
| Paint Lick | $1,851 |
| Auburn | $1,853 |
| Woodburn | $1,862 |
| Owensboro | $1,863 |
| Glasgow | $1,865 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Kentucky?
Shopping around for car insurance quotes in Kentucky can help drivers save 19% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Kentucky: Save on premiums
In Kentucky, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Kentucky below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 3% | $73 |
| Anti-theft device | 2% | $60 |
| Daily commute | 5% | $112 |
| Days advanced purchase | 7% | $149 |
| Days per week driven | 4% | $85 |
| Education | 7% | $139 |
| Electronic funds transfer | 6% | $147 |
| Homeowner | 7% | $207 |
| Lower annual mileage | 5% | $116 |
| Loyalty – years renewal with company | 5% | $120 |
| Marital status | 7% | $246 |
| Multi policy | 9% | $213 |
| Paperless/electornic documents | 2% | $47 |
| Payment type | 9% | $224 |
| Primary use | 8% | $187 |
| Profession | 13% | $267 |
| Safety devices | 2% | $62 |
| Telematics | 11% | $225 |
| Years insured | 18% | $616 |
| Years licensed | 23% | $1,073 |
Final thoughts on cheap car insurance in Kentucky
Our research shows that Travelers has the cheapest full coverage car insurance rates in Kentucky for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Kentucky, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Kentucky for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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