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.
- Travelers has the cheapest car insurance rates in Kentucky for full coverage at $150 a month among the companies analyzed by the team of CarInsurance.com.
- In Kentucky, drivers with clean driving records pay 42% less than drivers with a DUI.
- The city of Adairville has the lowest auto insurance rates in Kentucky, with an average premium of $1,805 per year.
- You can save up to 19% per year on your car insurance policy in Kentucky by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in Kentucky?
Travelers offers the cheapest car insurance rates in Kentucky for a full coverage policy with an average premium of $150 per month or around $1,804 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Kentucky.
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.
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Who pays the lowest auto insurance premiums in Kentucky?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 7% less than single drivers.
- Kentucky drivers with clean records pay 42% less than drivers who have a DUI on their records.
- 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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Kentucky
In Kentucky, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Kentucky’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Kentucky insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Kentucky, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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 car insurance in Kentucky by driving history
In Kentucky, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Kentucky, drivers with a history of such violations typically pay $831 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Kentucky
If you have a speeding ticket on your Kentucky driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,562 per 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
State Farm offers the cheapest car insurance to Kentucky drivers with a DUI conviction at $1,562 per year and Travelers has the second-cheapest insurance premiums at $2,675 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 42% less than those with a history of DUI.
| 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
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,670 a year.
On the other hand, Auto-Owners offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,155 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Kentucky cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
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 car insurance in Kentucky?
By comparing car insurance quotes, you can save an average of 19% per year for a full coverage policy in Kentucky.
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
Based on our research, if you are a good driver, Travelers is the cheapest in Kentucky for a full coverage policy.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Kentucky, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Kentucky