If you’re a car insurance policyholder in Kentucky, you’re probably like drivers across the country who are always on the lookout for ways to save money on premiums.
The 2022 national average for full coverage car insurance is $1,693 a year, according to CarInsurance.com research and the Kentucky state average is $2,104 per year.
The good news is that just about anybody can get a discount on their insurance. In Kentucky, several auto insurance discounts are available that can help reduce your costs by as much as 13% annually – saving you hundreds.
- Most car insurance companies offer a 5% discount to drivers in Kentucky for completing a defensive driving course.
- Kentucky drivers can get a multi-policy discount of 10% for purchasing two or more insurance policies from the same company.
- Grange Mutual and Progressive offer the most car insurance discounts to drivers among the carriers analysed in Kentucky.
- You can get a 5% discount on car insurance rates in Kentucky for installing safety devices such as airbags and anti-lock brakes in your vehicle.
Common car insurance discounts in Kentucky that can maximize your savings
While actual savings will vary depending on your insurance company, driver profile, and other factors, you may qualify for multiple discounts that will significantly lower your car insurance premiums.
What follows are the most common car insurance discounts available when shopping for insurance in Kentucky. If you’re looking to save money on your auto policy, make sure you ask about these discounts.
| Discount Type | Potential Annual Savings |
|---|---|
| Daily Commute | 6% |
| Good Student | 17% |
| Low Annual Mileage | 7% |
| Multi-Policy | 10% |
| Safety Devices | 5% |
| Vehicle Ownership | 6% |
| Years Insured | 16% |
How much can you save with discounts in Kentucky?
As seen in the table above, you can get a 5% discount on car insurance rates if you install safety devices in your vehicle. And most insurance companies offer various discounts, including 17% for students with good grades, 5% for completing an approved defensive driving course, and many others including paying in full, owning a new car, or getting married.
Occupational discounts
One of the more interesting discounts is those based on profession. If you’re a doctor or nurse, you might qualify for a car insurance discount. And there are many other occupational discounts, for example, some insurance companies offer discounts for teachers or firefighters. This is because insurers consider these professionals less risky to insure.
On average, drivers in these professions can get as much as a 16% discount on their car insurance cost in Kentucky.
Here are some of the occupations that score auto insurance discounts:-
- Scientist
- Engineer
- Lawyer
- Teacher
- Doctor
- Farmer
- Law enforcement officer
- Civil servant
- Firefighter
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Type of car insurance discounts in Kentucky
Auto insurance premiums are calculated based on risk, including factors like age, driving experience, and location. But, in addition to the savings listed above, discounts are available for good driving history and habits and other behaviors. You can potentially save hundreds of dollars each year by making sure you take advantage of the offers below:
| Discount Type | Potential Annual Savings |
|---|---|
| Driver Profile & Education | 24% |
| Billing and Payments | 18% |
| Customer Loyalty | 24% |
| Driving History & Habits | 22% |
| Occupational | 26% |
| Vehicle Equipment | 12% |
Discounts based on the driver profile and education
Most of car insurance companies in Kentucky offer discounts to those who take an approved driver education course or defensive driving course and those who prove they have a safe driving record. But there are many insurers who also give discounts to married people and students.
- Marital status: Up to 20%
- Good student discount: 8% to 24%
Discounts based on billing and payments
Another way to get a discount on your insurance is by going paperless and receiving your documents digitally. You can also pay in full, schedule automatic payments, and sign up online to reduce the cost of your insurance premium.
You can also get an advance purchase discount on your car insurance if you sign up for coverage early. Some insurance providers give you a discount if you get a quote at least seven days before the policy’s effective date. You can get a similar deal if you switch early and have no lapse in coverage.
Here’s how much you can save :
- Paid-in-full discount: 11%
- E-payment discount: 8%
- Paperless discount: 5%
- Advance purchase discount: 9%
Discounts for customer loyalty and multi-policy
Insurers are always looking for ways to keep their customers, and often reward them with loyalty discounts.
Providers usually offer multi-car (insuring more than one car) and bundling (buying auto and home insurance policies from the same company) discounts. Drivers who stay with one insurance company for a length of time also may see discounts.
- Long-term customer: 6% to 12%
Insurance companies in Kentucky offer a loyalty discount of up to 10% to their continuing customers after a certain amount of time, and some companies may increase the discount the longer you remain an active customer.
- Multi-policy: 5% to 14%
People who purchase two or more insurance policies from the same company can take advantage of the multi-policy discount. Kentucky drivers can get a 10% multi-policy discount on their car insurance. Individuals who bundle their auto and home insurance policies usually get the highest discounts from insurers.
Discounts based on driving history
If you’ve been accident-free and ticket-free for the past three years, you can get a safe driver discount on your car insurance rates in Kentucky. You can also lower your bill if your vehicle use is limited to a certain type of driving or if you don’t travel far.
Take a look at some of the discounts that are available based on driving habits and driving history:
- Primary use (farm) discount: 5% to 21%
- Primary use (pleasure) discount: 5% to 9%
- Low annual mileage discount: 6% to 7%
Discounts for anti-theft and safety devices
Insurers offer discounts to their customers for having anti-theft devices and safety features in their vehicles.
A number of car insurance companies offer about a 5% discount for vehicles with safety devices including airbags and anti-lock brakes. However, not every company provides these to policyholders in Kentucky.
Also worth noting, if you have an anti-theft device or a vehicle recovery system attached to your car, you can get a discount on your car insurance. The amount of the discount depends on your insurer.
Discounts by insurance companies
Some insurance companies offer bigger discounts than others – and the savings can vary accordingly. Shelter Insurance doesn’t offer the most discounts, but it offers potentially the biggest combined discount in Kentucky. Based on CarInsurance.com’s analysis, you can possibly save an average of up to 27% with Shelter Insurance.
Grange Mutual and Progressive have the most insurance discounts out of all the major car insurance companies doing business in Kentucky, according to CarInsurance.com research.
| Company Name | Number of Discounts Offered | Potential Savings |
|---|---|---|
| Grange Mutual | 27 | 9% |
| Geico | 16 | 15% |
| Progressive | 16 | 16% |
| Allstate | 14 | 11% |
| Auto-Owners | 12 | 6% |
| Cincinnati Financial | 12 | 6% |
| Shelter | 11 | 14% |
| State Farm | 11 | 12% |
| Kentucky Farm Bureau | 9 | 8% |
| Travelers | 9 | 26% |
| Safe Auto | 8 | 6% |
Who has the cheapest car insurance in Kentucky?
If you are looking for even more affordable rates, you can check out our guide to the cheapest car insurance and choose an insurance company accordingly.
Based on CarInsurance.com’s study, we found Geico and USAA with $126 per month and $127 per month, respectively, provide cheap car insurance rates in Kentucky.
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