Cheapest Auto Insurance in Kentucky (2025)

Progressive has the cheapest liability coverage in Kentucky, with a quote of $88 per month.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General Logo120+ more

Cheapest recent car insurance quotes in Kentucky

Recent Kentucky car insurance prices for Toyota, Buick, Nissan , and more.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 20, 2025. 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 August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

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.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

The average cost of car insurance in Kentucky is $157 per month, which is higher than the national average of $144. Kentucky drivers must carry liability insurance. As a no-fault state, Kentucky also requires drivers to carry personal injury protection (PIP).

Drivers in no-fault states often pay more for auto coverage because both drivers involved in an accident need to file claims with their insurers for injuries. The best way to find cheap car insurance is to compare quotes from multiple insurers before deciding on an insurance policy.

Here’s what you need to know about finding cheap car insurance in Kentucky.

Quick Facts
  • Kentucky drivers pay $121 per month for liability coverage and $193 for full-coverage insurance, on average.

  • Progressive, National General, and Auto-Owners are the cheapest car insurance companies in Kentucky.

  • Auto insurers in Kentucky can use your credit history when calculating your insurance premiums.

6 of the cheapest car insurance companies in Kentucky

The Kentucky car insurance company that’s right for you depends on your insurance situation and needs. Car insurance premiums can vary based on your age, gender, ZIP code, the type of car you drive, and the insurance company you choose.

Comparing multiple insurers can help you find the best price before you commit to a policy. Start your search with six of the best cheap car insurance companies in Kentucky below.

Auto-Owners logo
State Farm logo
GEICO logo
Allstate logo
National General logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$124/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$129/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$146/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$188/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$124/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$121/mo*
Overall rating
3.9
Overall rating
4.1
Overall rating
3.9
Overall rating
3.9
Overall rating
3.4
Overall rating
3.3
Value for money
3.4/5
Value for money
3.8/5
Value for money
3.7/5
Value for money
3.6/5
Value for money
2.9/5
Value for money
3.3/5
Customer service
3.8/5
Customer service
4.1/5
Customer service
3.9/5
Customer service
3.8/5
Customer service
3.3/5
Customer service
3.3/5
Claims handling
3.9/5
Claims handling
4.1/5
Claims handling
4.0/5
Claims handling
3.8/5
Claims handling
3.2/5
Claims handling
3.4/5
Special highlight
AI-generated from 128 user reviews
Cheap rates
Special highlight
AI-generated from 6102 user reviews
Customer service
Special highlight
AI-generated from 6472 user reviews
Teen drivers
Special highlight
AI-generated from 3692 user reviews
Accident forgiveness
Special highlight
AI-generated from 292 user reviews
SR-22 insurance
Special highlight
AI-generated from 7018 user reviews
Competitive rates
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for discounts: Auto-Owners

User Reviews
3.9
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.
$103/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.
$144/mo
3.9
A solid optionBased on 218 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (128)
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
John
Verified Review
Auto-Owners Too Expensive
Reviewed in Georgia on August 2025
Way too expensive. At least $150/month more than others.
Joseph
Verified Review
Average
Reviewed in Florida on August 2025
Good but expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Established in 1916, Auto-Owners Insurance Group has been providing auto insurance to customers for more than 100 years. Auto-Owners writes insurance policies in 26 states, offering an array of products, like auto, home, life, and business insurance.

Auto-Owners has a wide range of auto insurance products, including rental auto gap, loan or lease gap, and diminished value insurance. Auto-Owners provides several ways to save with multi-policy, safety feature, and multiple student discounts.

Pros
  • Highly rated customer service

  • Wide range of insurance products

Cons
  • Doesn’t offer rideshare insurance

  • Can only obtain quotes through independent agents

Best insurer for teen drivers: State Farm

User Reviews
4.1
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.
$107/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.
$150/mo
4.1
Best choiceBased on 11,457 verified guest reviews and ratings
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,102)
Vaclav
Verified Review
Happy with State Farm
Reviewed in Florida on August 2025
A great company to do business with.
John
Verified Review
I'd rather not
Reviewed in Illinois on August 2025
Overall good experience, but rising costs concern me.
Pamela
Verified Review
Calling all State Farm Customers!
Reviewed in Louisiana on August 2025
The staff is wonderful, but the costs are too high!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm has been selling insurance to Americans since 1922. In addition to auto insurance, the company offers property, business, and life insurance. If you need to insure your teen driver, State Farm offers opportunities to reduce teen driver insurance costs.

The Steer Clear telematics program is for drivers younger than 25 who have maintained a clean driving record for three years. Young drivers can save up to 15% with this usage-based program. Teen drivers can also save up to 25% with a good student discount if they maintain good grades.

Pros
  • A++ (Superior) rating from AM Best

  • Save up to 30% with Drive Safe & Save program

Cons
  • Gap insurance not readily available, unless customer originates a loan through State Farm Bank

  • Some other companies offer cheaper rates for drivers with violations

Best insurer for high-risk drivers: National General

User Reviews
3.4
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.
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.
$94/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.
$154/mo
3.4
A solid optionBased on 624 verified guest reviews and ratings
How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (292)
Jacqueline
Verified Purchase
Better than most.
Reviewed in on August 2025
So far, very good service.
Vickie
Verified Review
Too Expensive for Little Driving
Reviewed in California on August 2025
I don't like that they keep increasing the price, and I barely go anywhere. They want a large amount to start and raise the monthly price by about $10 every 6 to 12 months.
Marti
Verified Review
National General Auto Insurance is good.
Reviewed in California on August 2025
National General Auto Insurance company got me all the discounts I was eligible for, and they worked with me to accomplish what I needed. They made everything simple.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Owned by Allstate, National General has been in the insurance business for more than 100 years. The company offers a variety of insurance products, including home insurance, flood insurance, and auto insurance through a distribution network of independent agents. With National General, you can find regular car insurance as well as commercial auto insurance, RV insurance, and coverage for motorcycles.

While you might find it challenging to obtain car insurance with a DUI, National General Insurance offers coverage to drivers with their first DUI who have completed a safe driving and substance abuse therapy program.

Pros
  • Offers multiple discounts

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast region

  • Higher average quotes than some competitors

How to get the cheapest car insurance in Kentucky

Auto insurers use many variables to calculate your car insurance, including your age, gender, ZIP code, how much you drive, chosen coverage, and more.

If you’re trying to find cheap car insurance in Kentucky, consider the following tips:

  • Maintain a clean driving record. You can save money by being a good driver. The cleaner your record, the lower your premium is likely to be. If you have speeding tickets and accidents on your record, you can expect to pay more.

  • Look for discounts. Many insurance companies offer discounts, such as student discounts for high school or college students who maintain a certain grade. Multi-policy discounts are also common for people who bundle car insurance with another policy, like home insurance or life insurance.

  • Compare companies. Taking the time to compare multiple car insurance quotes can help you find the best price.

Low-cost car insurance in Kentucky

Kentucky has a program to help drivers who can’t find a car insurance company willing to insure them, but it doesn’t have one for low-income drivers looking for an affordable policy. If you’re looking to lower your car insurance bill, you should make sure you’re comparing quotes every time you’re up for renewal. 

Car insurance rates can vary dramatically from company to company and over time. The insurer that had the best deal for you six months ago may no longer be the cheapest option available.

Find Cheap Car Insurance in Kentucky

Liability quotes in Kentucky start at $88 per month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance quotes in Kentucky: Progressive

Liability-only car insurance is mandatory in nearly every state, including Kentucky. This covers costs related to the bodily injury and property damage of another driver if you cause a car accident.

Progressive offers the cheapest liability-only policies in Kentucky, at $88 per month.

Check out the table below for the cheapest liability car insurance in Kentucky.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$88
National General$94
Auto-Owners$103
State Farm$107
Direct Auto$112
Root$116
Safeco$118
GEICO$122
USAA$132
Bristol West$146
CSAA$150
Allstate$156
State Auto$158
Dairyland$165
Travelers$173
The General$187
Liberty Mutual$202
Nationwide$229
Shelter$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Kentucky: Auto-Owners

Full-coverage car insurance is an optional form of car insurance that provides additional protection. While a liability-only policy covers only injury and damages to the other driver, a full-coverage policy protects your vehicle. A full-coverage plan typically includes liability, collision, and comprehensive coverage.

You can find the cheapest full-coverage insurance from Auto-Owners, with a rate of $144 per month.

The following table provides average monthly quotes for the cheapest-full coverage car insurance in Kentucky.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$144
State Farm$150
Progressive$154
National General$154
Safeco$164
Direct Auto$164
GEICO$170
USAA$185
CSAA$186
Root$197
Allstate$219
State Auto$222
Travelers$242
Liberty Mutual$277
Bristol West$299
The General$310
Nationwide$321
Dairyland$329
Shelter$393
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Kentucky

Recent Kentucky car insurance prices for Chevrolet, Buick, Hyundai , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Kentucky

In Kentucky, vehicle owners can’t operate a vehicle without insurance. If you fail to maintain car insurance, you risk having your registration revoked. You can also face fines of up to $1,000 and up to 90 days in jail.

The required minimum coverage amount for car insurance in Kentucky includes bodily injury liability and property damage liability coverage. Alternatively, you can get a policy with a single limit of $60,000. Kentucky also requires personal injury protection (PIP) for all motor vehicles except motorcycles.

Here are the specific requirements in Kentucky:[1]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Personal injury protection (PIP)$10,000 per accident

If you want more protection for your vehicle, you should consider purchasing additional coverage, such as:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance reimburses you for damages to your car if you cause an accident with another car or a stationary object, like a tree or light pole. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers your vehicle if it incurs damage from something other than a car accident, such as theft, vandalism, fire, weather hazards, falling objects, and striking an animal.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage provides reimbursement if you’re in an accident caused by an uninsured driver. This also applies if you’re the victim of a hit-and-run.

Cheapest car insurance companies in KY for drivers with an incident

Driving incidents include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. When you have an incident on your driving record, insurers see you as a higher risk and, as a result, will increase your car insurance premiums and other potential penalties.

For example, a first-offense DUI in Kentucky results in a six-month license suspension and 90 days of an alcohol or substance abuse program. A second offense within a 10-year period results in an 18-month license suspension and one year in a treatment program. Following license suspension, you’ll face increased car insurance rates for up to 10 years via a premium surcharge.

Less serious infractions, like a speeding ticket, shouldn’t result in as large an increase as a DUI.

Shop for Car Insurance in Kentucky

Monthly rates start at $186 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance quotes for drivers with a speeding ticket: Progressive

A clean driving record indicates you pose less risk and typically results in lower car insurance premiums. If you have past speeding tickets on your driving record, you can expect to pay more for car insurance because speeding indicates to insurers that you’re a higher-risk driver.

On average, drivers with a speeding ticket in Kentucky pay $234 per month for full-coverage insurance and $147 for liability-only coverage.

The following table provides the lowest average rates for car insurance for Kentucky drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quotes With Clean Driving Record
sort ascsort desc
Avg. Quotes With Speeding Ticket
sort ascsort desc
Progressive$88$107
National General$94$116
Auto-Owners$103$127
State Farm$107$130
Direct Auto$112$139
Root$116$148
Safeco$118$149
GEICO$122$154
USAA$132$162
Bristol West$146$182
CSAA$150$185
Allstate$156$191
State Auto$158$197
Dairyland$165$203
Travelers$173$215
The General$187$245
Liberty Mutual$202$249
Nationwide$229$284
Shelter$281$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quote for drivers with an at-fault accident: Progressive

If you cause an accident and file a claim, your insurance premium will generally increase.[2] At-fault accidents signal a higher risk to auto insurance companies, which results in higher premiums. How much your insurance cost will increase varies between companies. You can expect increased rates for three to five years after making a claim.

The cheapest insurer for Kentucky drivers with an at-fault accident is Progressive, with a cost of $115 per month.

Here are the cheapest car insurance rates for drivers with an at-fault auto accident.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Accident
sort ascsort desc
Progressive$88$115
National General$94$122
Auto-Owners$103$132
State Farm$107$138
Direct Auto$112$151
Root$116$147
Safeco$118$161
GEICO$122$150
USAA$132$171
Bristol West$146$191
CSAA$150$205
Allstate$156$202
State Auto$158$207
Dairyland$165$216
Travelers$173$226
The General$187$255
Liberty Mutual$202$263
Nationwide$229$299
Shelter$281$360
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Progressive

Getting a DUI can cause a significant increase in your insurance premiums for up to 10 years in Kentucky. In some cases, your insurer might decide not to renew your policy. While you might find it more challenging to find an affordable car insurance policy with a DUI, it’s still possible.

Progressive has the cheapest rates for Kentucky drivers with a past DUI, with a monthly liability rate of $109.

The table below includes companies that provide the lowest car insurance rates to drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
Progressive$88$109
National General$94$127
Auto-Owners$103$140
State Farm$107$145
Direct Auto$112$152
Root$116$157
Safeco$118$177
GEICO$122$165
USAA$132$179
Bristol West$146$198
CSAA$150$203
Allstate$156$212
State Auto$158$214
Dairyland$165$224
Travelers$173$235
The General$187$254
Liberty Mutual$202$274
Nationwide$229$311
Shelter$281$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: National General

Age is an important factor insurance companies consider when determining car insurance premiums. If you maintain a clean driving record, your car insurance rates will typically stay consistent or decrease as you age and gain more driving experience.

However, rates start to increase again for drivers 70 and older because drivers in this age group have a higher fatal crash rate per mile compared to middle-aged drivers.[3]

The cheapest car insurance company for senior drivers in Kentucky is National General, with a cost of $74 per month.

The table below provides a breakdown of the cheapest car insurers for seniors in Kentucky.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
National General$74$121
Progressive$75$131
Auto-Owners$83$116
State Farm$85$119
Direct Auto$90$132
GEICO$98$136
Root$99$167
Safeco$103$143
USAA$108$151
CSAA$116$143
Bristol West$120$246
State Auto$122$172
Allstate$128$180
Dairyland$136$270
Travelers$138$193
The General$154$256
Liberty Mutual$169$232
Nationwide$175$246
Shelter$203$284
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Progressive

Insurers tend to charge teenagers and drivers younger than 25 higher rates than older drivers. Teen drivers pose a high level of risk related to inexperience, distracted driving, high accident frequency, and speeding.

To find the cheapest car insurance as a teen, consider the following tips:

  • Join your parents’ existing insurance policy. Having your parents add you to their insurance policy is often cheaper than purchasing a policy on your own.[4] And if you’re younger than 18, you can’t purchase car insurance without the written consent of a parent or guardian.

  • Look for student discounts. Insurance companies often offer good student discounts for teenagers who maintain a certain grade point average in school. Similarly, some companies offer discounts for teens who take a driver training course.

  • Drive a safe car. Driving a car with high-quality safety features and equipment might help you qualify for a lower premium.

The cheapest car insurance company for teenagers in Kentucky is Progressive, with a liability rate of $163 per month. The table below lists the Kentucky insurance companies with the cheapest liability-only and full-coverage car insurance for young drivers.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Progressive$163$285
Auto-Owners$193$270
National General$193$316
Root$203$344
State Farm$205$287
GEICO$218$304
Direct Auto$221$324
Safeco$237$329
USAA$243$341
CSAA$255$317
Bristol West$263$538
Dairyland$276$551
Allstate$308$432
The General$324$537
Travelers$348$486
Liberty Mutual$357$490
State Auto$384$540
Nationwide$446$625
Shelter$561$785
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Kentucky car insurance quotes by credit tier

Kentucky law permits auto insurance companies to use a credit-based insurance score when determining your insurance premiums. However, Kentucky insurance companies can’t use your credit history as the single reason for refusing to provide insurance coverage.[5]

Though you might question how your credit score relates to your insurance premiums, insurance companies suggest a link between credit history and the likelihood of someone filing a claim. In general, drivers with excellent or good credit pay lower car insurance rates than drivers with poor credit.

The table below outlines average monthly full-coverage quotes in Kentucky by credit tier.

Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance rates across Kentucky cities

Where you live tells insurers about the traffic patterns, weather events, and vehicle crime rates your vehicle is exposed to. As a result, car insurance companies take into account your city and even your ZIP code when setting your rates. Check out the table below for an idea of how much Kentucky residents pay for car insurance, based on their city.

Find Car Insurance in Kentucky

Insurify partners with 120+ top insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Kentucky car insurance FAQs

Before you start shopping around for auto insurance, you should determine the right amount of coverage for your needs. The following information should help answer your remaining questions about finding cheap car insurance in Kentucky.

  • How much is car insurance in Kentucky?

    Kentucky drivers pay $121 per month for liability coverage and $193 for full-coverage insurance, on average. The overall cost of car insurance in the state is $157 per month, which exceeds the national average of $144. Ultimately, how much you pay for coverage depends on your driving record, credit history, ZIP code, age, and more.

  • Which company has the cheapest car insurance in Kentucky?

    With a monthly rate of $88 for liability insurance, Progressive is the cheapest car insurance company in Kentucky. National General and Auto-Owners also have cheap liability rates, at $94 and $103 per month, respectively.

    The best way to find cheap car insurance that meets your needs is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Kentucky?

    With a high Insurify Quality (IQ) Score of 9.3, an A++ (Superior) financial strength rating from AM Best, and quality coverage offerings, State Farm is the best car insurance company in Kentucky. On average, State Farm policyholders in Kentucky pay $107 for liability and $150 for full coverage. Other top insurers include Travelers, USAA, and Auto-Owners.

  • Why is Kentucky insurance so high?

    Weather-related events have significantly contributed to Kentucky’s high insurance costs. Kentucky and numerous Midwest states like Iowa and Ohio have experienced severe tornadic activity, and the state’s catastrophic floods over the past two years have further increased premium prices.

    Kentucky drivers may also face higher rates because of the state’s no-fault accident laws.

  • What are the minimum car insurance requirements in Kentucky?

    Kentucky drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 in personal injury protection.

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Kentucky Transportation Cabinet. "Mandatory Insurance."
  2. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  3. Insurance Institute for Highway Safety. "Older drivers."
  4. Insurance Information Institute. "Auto insurance for teen drivers."
  5. Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate