120+ more*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Kentucky drivers pay an average of $117 per month for minimum coverage and $183 per month for full coverage, according to Insurify data.
The Bluegrass State had the second-highest rate of fatal accidents (1.33 deaths per 100 million vehicle miles traveled) among all states in the first half of 2025.[1] Kentucky’s crash and fatality rates contribute to the state’s insurance costs, which are higher than national averages.
Below, you’ll find the cheapest car insurers in Kentucky, broken down by driver category.
Driver Category | Cheapest Insurance Company in Kentucky | Cheapest Monthly Quote in KY |
|---|---|---|
| Overall | Progressive | $81 |
| State minimum coverage | Progressive | $81 |
| Full coverage | Direct Auto | $154 |
| Drivers with a clean record | Progressive | $81 |
| After a speeding ticket | Progressive | $104 |
| After an at-fault accident | Progressive | $110 |
| After a DUI | Progressive | $105 |
| Teen/new drivers | Progressive | $146 |
| Seniors | Progressive | $69 |
| Bad credit | Progressive | $101 |
To drive legally in Kentucky, you’ll need to buy at least the state’s minimum required amount of liability car insurance. Liability coverage protects you financially if you cause an accident by paying for the other driver’s vehicle damages and injuries.
For the cheapest liability-only premiums in the Bluegrass State, consider Progressive, National General, or Auto-Owners.
The data below shows the most affordable liability coverage options in Kentucky.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $81 |
| National General | $92 |
| Auto-Owners | $102 |
| State Farm | $106 |
| Direct Auto | $109 |
| Safeco | $116 |
| GEICO | $119 |
| Root | $128 |
| USAA | $130 |
| Bristol West | $153 |
| Allstate | $154 |
| Dairyland | $155 |
| State Auto | $156 |
| The General | $158 |
| Travelers | $170 |
| CSAA | $173 |
| Liberty Mutual | $179 |
| Hugo | $201 |
| Nationwide | $225 |
| Shelter | $277 |
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Austin Moyers
Sales Manager, Insurify
Many states have the same liability requirements as Kentucky — 25/50/25. But it’s a good idea to buy higher coverage if you can afford it, because $50,000 may not be enough to cover all the damage if you get into a crash with a newer or expensive car.
Full-coverage car insurance in Kentucky adds collision and comprehensive coverage to liability coverage for at least the state’s minimum required amounts. Full coverage can pay for damage to your car. If you lease or finance your vehicle, your leasing company or auto lender will require you to buy full coverage.
Direct Auto and National General have some of the most affordable full-coverage policies in the state.
Here’s a look at the cheapest full-coverage insurance rates in Kentucky.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $154 |
| National General | $157 |
| Auto-Owners | $159 |
| Progressive | $160 |
| Safeco | $162 |
| State Farm | $165 |
| CSAA | $181 |
| GEICO | $186 |
| Root | $198 |
| USAA | $203 |
| Allstate | $240 |
| Liberty Mutual | $241 |
| State Auto | $244 |
| Travelers | $266 |
| The General | $292 |
| Bristol West | $306 |
| Dairyland | $343 |
| Nationwide | $352 |
| Shelter | $432 |
*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Kentucky has the sixth-lowest average hourly earnings among all the states, according to Bureau of Labor Statistics data.[2] A big car insurance down payment can be difficult if your weekly earnings are only around $1,000.
One way to make your car insurance premium more manageable is to break it into smaller chunks. That’s the premise behind Insurify Car.
Traditional auto insurance policies require you to pay your premium at least monthly, with typical terms of six or 12 months. Insurify Car lets you buy a liability-only policy to meet your state’s minimum requirements, and you can pay for your coverage in seven-day increments.
You can set a cancellation date at any time, or set your policy on auto pay to roll over your coverage from week to week. Insurify Car could be a good choice if you don’t need full coverage, only drive occasionally, or don’t want to pay for auto insurance coverages you don’t need.
Plenty of national car insurance companies sell coverage in Kentucky. But you can often find competitive rates and great coverage from smaller, regional insurers as well as big companies.
State Farm is both the biggest insurer in the country and the largest in Kentucky. But Kentucky Farm Bureau, which only sells policies in the Bluegrass State, is the second-largest.
The best car insurance companies in Kentucky provide affordable coverage despite the state’s higher-than-average premiums. These insurers also offer a variety of auto policies and strong financial strength ratings.
Here are our top picks for car insurance in Kentucky.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
When you live in a state with a relatively high accident rate, like Kentucky, discounts for good driving habits are important. Progressive’s Snapshot program bases your rate on how you drive. Good drivers save an average of more than $300 per year, according to Progressive.
Plus, the insurer offers multiple levels of accident forgiveness coverage, so your rates won’t rise after an accident.
Affordable coverage for Kentucky residents
Three levels of accident forgiveness available
Agents available in more than 135 Kentucky communities
High-risk drivers may pay more with Snapshot
Just 1.2 (out of 5) stars on Trustpilot
Much lower than average customer claims satisfaction (673 out of 1,000 points), according to J.D. Power
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $159/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
About 22% of Kentuckians are younger than 18, according to data from the U.S. Census Bureau. If you’re a teen or young driver in the Bluegrass State, Auto-Owners offers several car insurance discounts that may apply to you, including good student, student away at school, and teen driver monitoring price breaks.
Offers accident forgiveness
Lowest rates for most Kentucky drivers
Scores higher than average for claims satisfaction, according to J.D. Power
Doesn’t give online quotes
Fewer add-ons than some other insurers
Just 1.8 stars (out of 5) and only 26 reviews on Trustpilot
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Seniors older than 60 make up 18% of Kentucky’s population, according to data from the U.S. Census Bureau. State Farm offers multiple discounts that can help senior drivers save, including discounts for being a senior, being a good driver, having multiple vehicles insured with the company, and having more than one type of policy with State Farm.
Above-average customer satisfaction ratings from J.D. Power
Offers roadside assistance and rental car reimbursement
Very low starting rates for seniors
Limited discounts
No accident forgiveness add-on
Just 1.5 stars from 971 reviews on Trustpilot
Since December 2021, car insurance rates in Kentucky have risen nearly 27%, according to Insurify data. As of December 2025, full coverage costs Kentucky drivers an average of $2,194 per year.
Insurify data analysts project rates will rise 1.2% in Kentucky by the end of 2026.
The table below highlights car insurance rates in Kentucky over the last five years.
Rates start at $81/mo. for liability coverage
Kentucky is a “choice” at-fault state, meaning drivers need personal injury protection (PIP) to cover their injuries after an accident.[3] If you prefer, you can reject PIP insurance and rely on the at-fault driver’s coverage to pay for your injuries.
Here are the minimum requirements in Kentucky:[4]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Personal injury protection: $10,000
Kentucky has fewer people and generally less traffic congestion than many other states. Still, urban areas like Lexington and Louisville can have busy roadways, especially during rush hours. If you live in a more rural area of the state, you could see lower premiums — fewer vehicles on the road means lower crash risks.
Below are auto insurance quotes for different cities in Kentucky.
City | Average Monthly Quote |
|---|---|
| Bowling Green | $142 |
| Elizabethtown | $141 |
| Henderson | $136 |
| Lexington | $147 |
| Louisville | $221 |
| Owensboro | $128 |
| Paducah | $150 |
| Richmond | $141 |
Kentucky residents with good credit and clean driving records — free of speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions — can find the cheapest coverage through Progressive.
Here’s a look at cheap auto insurance rates in Kentucky for people with clean driving histories.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $84 |
| National General | $86 |
| Auto-Owners | $100 |
| State Farm | $103 |
| Direct Auto | $106 |
| GEICO | $120 |
| Safeco | $126 |
| USAA | $127 |
| Root | $130 |
| Dairyland | $148 |
| State Auto | $148 |
| Bristol West | $151 |
| The General | $153 |
| Allstate | $154 |
| Travelers | $166 |
| CSAA | $183 |
| Liberty Mutual | $190 |
| Hugo | $207 |
| Nationwide | $215 |
| Shelter | $261 |
Getting a speeding ticket in Kentucky means you could face fines of up to $100, depending on how much over the speed limit you were going. Getting a ticket could also mean higher car insurance costs.
The average cost of liability coverage for Kentucky drivers with a speeding ticket is $151 per month.
Here are the cheapest car insurance quotes for Kentuckians with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $104 |
| National General | $116 |
| Auto-Owners | $135 |
| State Farm | $136 |
| Direct Auto | $138 |
| Safeco | $155 |
| GEICO | $158 |
| USAA | $170 |
| Root | $173 |
| Dairyland | $195 |
| Bristol West | $195 |
| Allstate | $203 |
| State Auto | $210 |
| The General | $214 |
| CSAA | $224 |
| Travelers | $224 |
| Liberty Mutual | $231 |
| Hugo | $262 |
| Nationwide | $296 |
| Shelter | $373 |
More than 140,000 accidents occurred in Kentucky in 2025, including 648 with fatalities, over 20,000 with injuries, and nearly 120,000 that resulted in property damage, according to Kentucky State Police data. Kentucky residents with an at-fault accident on their records pay $204 per month, on average, for car insurance.
This data highlights the lowest rates for drivers with an at-fault accident in Kentucky.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $110 |
| National General | $124 |
| Auto-Owners | $137 |
| State Farm | $142 |
| Direct Auto | $151 |
| GEICO | $157 |
| Safeco | $165 |
| Root | $173 |
| USAA | $177 |
| Bristol West | $204 |
| Dairyland | $207 |
| Allstate | $209 |
| State Auto | $216 |
| The General | $220 |
| Travelers | $232 |
| Liberty Mutual | $242 |
| Hugo | $254 |
| CSAA | $255 |
| Nationwide | $307 |
| Shelter | $378 |
A first DUI offense in Kentucky carries serious penalties, including fines of up to $500, up to 30 days in jail, 90 days of enrollment in an alcohol or substance abuse program, and a six-month license suspension. Penalties become more severe for repeat offenders.
The average auto insurance rate for Kentucky drivers with a DUI conviction is $194 per month.
Here are the cheapest premiums for Kentuckians with DUIs.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $105 |
| National General | $127 |
| Auto-Owners | $140 |
| State Farm | $146 |
| Direct Auto | $150 |
| GEICO | $163 |
| Safeco | $172 |
| Root | $178 |
| USAA | $179 |
| Bristol West | $211 |
| Allstate | $212 |
| Dairyland | $213 |
| State Auto | $215 |
| The General | $218 |
| Travelers | $234 |
| CSAA | $238 |
| Liberty Mutual | $247 |
| Hugo | $277 |
| Nationwide | $310 |
| Shelter | $385 |
Getting quotes with Insurify could cut your bill by 50%
To drive legally in the Bluegrass State without supervision, teen drivers must be at least 16 years and 6 months old.[5] In 2025, nearly 19,000 accidents involved teenage drivers, according to Kentucky State Police data.
As in other states, young drivers in Kentucky face significantly higher premiums than other age groups — $271 per month, on average.
The data below reveals the cheapest auto insurance quotes for teen drivers in Kentucky.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $146 |
| National General | $186 |
| Auto-Owners | $204 |
| State Farm | $205 |
| Direct Auto | $210 |
| GEICO | $213 |
| Root | $221 |
| Safeco | $234 |
| USAA | $240 |
| Dairyland | $261 |
| Bristol West | $272 |
| CSAA | $273 |
| The General | $276 |
| Allstate | $304 |
| Liberty Mutual | $315 |
| Travelers | $352 |
| Hugo | $352 |
| State Auto | $379 |
| Nationwide | $439 |
| Shelter | $549 |
In 2025, senior Kentuckians were behind the wheel in 29,293 crashes, according to Kentucky State Police data. Still, statistically, seniors get into fewer accidents than other age groups, so insurers charge them lower premiums.
Kentucky drivers in their 60s pay an average of $128 per month for auto insurance coverage.
Here’s an overview of the most affordable car insurance rates for senior drivers in Kentucky.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $69 |
| National General | $72 |
| Auto-Owners | $80 |
| State Farm | $83 |
| Direct Auto | $87 |
| GEICO | $94 |
| Safeco | $101 |
| USAA | $105 |
| Root | $107 |
| State Auto | $118 |
| Allstate | $125 |
| Bristol West | $127 |
| Dairyland | $132 |
| The General | $132 |
| Travelers | $135 |
| CSAA | $138 |
| Liberty Mutual | $149 |
| Nationwide | $172 |
| Hugo | $173 |
| Shelter | $197 |
Kentucky allows insurance companies to consider your credit when deciding whether to sell you a policy, but it can’t be the only reason they refuse coverage. And they can consider your credit information when setting your car insurance rates.
Kentucky drivers with poor credit usually pay more than drivers with good or excellent credit. The average cost of car insurance for drivers with poor credit is $188 per month in Kentucky.
Here are the lowest car insurance quotes for Kentucky residents with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $101 |
| National General | $113 |
| Direct Auto | $134 |
| Safeco | $143 |
| GEICO | $147 |
| Auto-Owners | $152 |
| State Farm | $152 |
| Root | $158 |
| USAA | $159 |
| Bristol West | $188 |
| Allstate | $190 |
| Dairyland | $191 |
| State Auto | $193 |
| The General | $195 |
| CSAA | $206 |
| Travelers | $209 |
| Liberty Mutual | $215 |
| Hugo | $247 |
| Nationwide | $277 |
| Shelter | $341 |
Rates start at $101/mo. for KY drivers with poor credit
Average car insurance costs in Kentucky are higher than national averages, but nowhere near the most costly in the country. Here’s some additional information to help you find cheap car insurance in Kentucky.
Overall, Kentucky drivers can find the cheapest car insurance rates from Progressive, at $81 per month. But National General and Auto-Owners are also worth a look for Bluegrass State drivers looking to save. Their average rates are $92 and $102 per month, respectively.
Kentucky drivers can save with discounts for safe driving, bundling auto with home or renters insurance, vehicle safety features, and more. Most insurers offer multiple discounts you may qualify for. But it’s important to ask what’s available to you.
The best way to find affordable car insurance is to get multiple quotes from different insurers. Car insurance rates fell in many states in 2025, including Kentucky, so your chances of getting a good deal may be better. Ask for discounts, check out usage-based insurance programs that could lower your costs, and look into flexible payment options.
Saving money makes sense, but the cheapest insurance isn’t always the best. The cheapest car insurance in Kentucky will likely be a minimum coverage policy. Not every driver needs full coverage, but almost every driver can benefit from higher liability limits that provide greater financial protection if you cause an accident.
If you’re struggling to make your premium payments, check with your insurer to see if they have a more flexible payment plan to make payments more manageable.
You can also consider raising your deductible or reducing your coverage to the state minimum. Just be sure you can handle the deductible amount in case of a crash. Finally, comparing multiple quotes could help you find a lower rate.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
