The best cheap car insurance in Kentucky
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Car insurance is relatively affordable for Kentucky drivers. According to the Insurance Information Institute, the average driver pays $896.33 per year, about $100 less than the US national average.
Shopping around for coverage is the best way to ensure you're getting the best price for yourself. Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage.
Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.
Minimum car liability insurance requirements in Kentucky
In the US, all drivers must have liability coverage by law. If you're involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage.
The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage to protect you when an at-fault driver hits you and they have no coverage or not enough coverage.
According to the Insurance Information Institute, Kentucky requires bodily, property, personal, uninsured, and underinsured coverage. Kentucky's minimum liability requirements are 25/50/25 — up to $25,000 of injury protection for each person involved in an accident, up to $50,000 worth of injuries per incident, and up to $25,000 of property damages per incident.
| Types of liability coverage | Definition |
| Bodily injury (BI) | Injury you cause to others, includes medical expenses, lost wages, and funeral expenses |
| Property damage (PD) | Damage you cause to others' vehicle or property |
| Uninsured motorist (UM) | Protects you when an at-fault driver hits you with no insurance |
| Underinsured motorist (UIM) | Protects you when an at-fault driver hits you with not enough coverage |
Best cheap car insurance in Kentucky based on credit score
Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:
| Excellent credit (FICO 800+) | Good credit (FICO 670-739) | Poor credit (300-579) |
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Best car insurance for Kentucky drivers with a clean record
For a driver in Kentucky age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Safeauto | $103 |
| Travelers | $143 |
| State Farm | $149 |
| Liberty Mutual | $152 |
| Safeco | $152 |
| GEICO | $153 |
| Root | $161 |
| Esurance | $169 |
| Progressive | $184 |
| Allstate | $195 |
| USAA* | $210 |
*USAA is only for active military, veterans, and their families.
Above data obtained from
Best car insurance for Kentucky drivers with one or more accidents
For a driver in Kentucky age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| State Farm | $105 |
| GEICO | $164 |
| Allstate | $184 |
| Progressive | $194 |
| Esurance | $199 |
Above data obtained from
Average premiums for seniors and teen drivers in Kentucky
The table below shows the average senior and teen drivers can expect to pay in Kentucky. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or driving safety classes.
Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you're still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.
| Average premium for seniors | Average premium for teens |
$877 per year | $3,629 per year |
Data provided by Goosehead Insurance
Kentucky car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Kentucky's most populous cities:
| City | Average annual insurance premium |
| Louisville/Jefferson County | $1,363 |
| Lexington-Fayette County | $1,385 |
| Bowling Green | $1,270 |
| Owensboro | $1,288 |
| Covington | $1,325 |
| Richmond | $1,219 |
| Georgetown | $1,443 |
| Florence | $1,414 |
| Nicholasville | $1,356 |
| Elizabethtown | $1,344 |
| Independence | $1,573 |
| Henderson | $1,250 |
| Hopkinsville | $1,207 |
| Jeffersontown | $1,457 |
| Frankfort | $1,307 |
| Paducah | $1,226 |
| Radcliff | $1,316 |
| Ashland | $1,257 |
| Murray | $1,166 |
| Erlanger | $1,453 |
| Madisonville | $1,279 |
| Winchester | $1,291 |
| St. Matthews | $1,421 |
| Burlington CDP | $1,490 |
| Danville | $1,296 |
| Shelbyville | $1,353 |
| Fort Thomas | $1,507 |
| Berea | $1,281 |
Data from S&P Global Market Intelligence
Best car insurance in Kentucky based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. Five factors determine customer satisfaction: billing process and policy information; claims; interaction; policy offerings; and price. According to a 2021 survey by J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes Kentucky):
Most popular car insurance companies in Kentucky based on market share
The following are the most popular car insurance companies in Kentucky, based on the percentage of insured Kentucky drivers who use them:
| Company | Market share (%) |
| State Farm | 21.63 |
| Kentucky Farm Bureau | 18.24 |
| Progressive | 10.79 |
| Liberty Mutual | 7.14 |
| GEICO | 6.52 |
| Allstate | 6.16 |
| USAA* | 5.12 |
| Erie Insurance | 2.18 |
| Auto-Owners Insurance | 2.07 |
| Travelers | 1.95 |
| Nationwide | 1.88 |
| Shelter Insurance | 1.83 |
| State Auto | 1.65 |
| Root Insurance | 1.44 |
| MetLife | 1.26 |
| Safe Auto Insurance | 1.19 |
| Grange Insurance | 1.02 |
| Auto Club Insurance Association | 0.98 |
| Alfa Mutual Group | 0.93 |
| The Cincinnati Insurance | 0.82 |
| Kentucky National Insurance | 0.75 |
| The Hartford | 0.71 |
| Westfield Insurance | 0.55 |
| CSAA Insurance | 0.45 |
| Sentry | 0.34 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Market Intelligence
Who gets the best cheap car insurance in Kentucky?
Your credit score is a significant influence on the price you'll pay for coverage.
Another way to save is to shop around — every insurance company prices policies differently, and no two policies are the same. Prices vary greatly depending on whether you get liability, comprehensive, or collision coverage.
Consider the amount of coverage and the types of coverage listed on your quote. Remember, you're looking for the most coverage for your money. Don't forget to look at the deductible or the amount you'll pay out of pocket if you get into an accident.