Cheapest Auto Insurance in Kentucky (2024)
Auto-Owners has the cheapest liability coverage in Kentucky, with a rate of $59 per month.
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Written byJessica Martel
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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.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Data reviewed byKonstantin Halachev
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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.
Updated November 20, 2024
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Table of contents
The average cost of car insurance in Kentucky is $227 per month, which is higher than the national average of $154. 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 $171 per month for liability coverage and $283 for full-coverage insurance, on average.
Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Kentucky.
Auto insurers in Kentucky can use your credit history when calculating your insurance premiums.
3 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 three of the best cheap car insurance companies in Kentucky below.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $104 | $59 | Discounts |
| State Farm | 9.3 | $109 | $61 | Teen drivers |
| National General | 6.8 | $144 | $87 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: Auto-Owners
| 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. | 8.5 /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. | $59/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. | $104/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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’t get a quote online
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $61/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. | $109/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 1929. 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 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 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
Doesn’t offer gap insurance
Some other companies offer cheaper rates for drivers with violations
Best insurer for high-risk drivers: National General
| User Reviews | 3.3 |
|---|---|
| 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. | 6.8 /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. | $87/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 |
3.3
A solid optionBased on 392 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
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 initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (204)
Jahmon
November 14, 2024
Verified Review
The Greatest
Excellent.
Mike
November 6, 2024
Verified Review
Too expensive
The monthly cost should be lowered.
Javier
November 5, 2024
Verified Review
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.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 80 years. The company offers a variety of insurance products, including home insurance, flood insurance, and auto insurance. 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.
Find Cheap Car Insurance in Kentucky
Liability quotes in Kentucky start at $59 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Kentucky: Auto-Owners
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.
Auto-Owners offers the cheapest liability-only policies in Kentucky, at $59 per month.
Check out the table below for the cheapest liability car insurance in Kentucky.
10 cheapest insurers for liability-only
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.
Cheapest full-coverage car insurance 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 $104 per month.
The following table provides average monthly quotes for the cheapest-full coverage car insurance in Kentucky.
10 cheapest insurers for full coverage
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.
Cheapest recent rates in Kentucky
Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $101/mo for full coverage in Kentucky.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| 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:
Collision coverage
Collision insurance reimburses you for damages to your car if you cause an accident with another car or object.
Comprehensive coverage
Comprehensive insurance covers your vehicle if it incurs damage from something other than a car accident, such as a fire or vandalism.
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 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.
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 $291 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
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 $396 per month for full-coverage insurance and $239 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $59 | $77 |
| State Farm | $61 | $78 |
| GEICO | $70 | $91 |
| USAA | $75 | $97 |
| National General | $87 | $113 |
| Allstate | $89 | $115 |
| State Auto | $91 | $127 |
| Travelers | $99 | $130 |
| Safeco | $99 | $130 |
| Progressive | $101 | $130 |
| Clearcover | $112 | $146 |
| Nationwide | $130 | $170 |
| CSAA | $134 | $177 |
| Liberty Mutual | $140 | $196 |
| Bristol West | $159 | $208 |
| Shelter | $160 | $216 |
| The General | $241 | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with an at-fault accident: Auto-Owners
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 years after making a claim.
The cheapest insurer for Kentucky drivers with an at-fault accident is Auto-Owners, with a cost of $80 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $59 | $80 |
| State Farm | $61 | $81 |
| GEICO | $70 | $94 |
| USAA | $75 | $101 |
| National General | $87 | $117 |
| Allstate | $89 | $119 |
| State Auto | $91 | $133 |
| Travelers | $99 | $134 |
| Safeco | $99 | $132 |
| Progressive | $101 | $136 |
| Clearcover | $112 | $162 |
| Nationwide | $130 | $176 |
| CSAA | $134 | $186 |
| Liberty Mutual | $140 | $200 |
| Bristol West | $159 | $213 |
| Shelter | $160 | $224 |
| The General | $241 | $329 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with a DUI: Auto-Owners
Getting a DUI can cause a significant increase in your insurance premiums. 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.
Auto-Owners has the cheapest rates for Kentucky drivers with a past DUI, with a monthly liability rate of $96.
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $59 | $96 |
| State Farm | $61 | $99 |
| GEICO | $70 | $114 |
| USAA | $75 | $122 |
| National General | $87 | $142 |
| Allstate | $89 | $145 |
| State Auto | $91 | $148 |
| Travelers | $99 | $161 |
| Safeco | $99 | $149 |
| Progressive | $101 | $165 |
| Clearcover | $112 | $182 |
| Nationwide | $130 | $212 |
| CSAA | $134 | $196 |
| Liberty Mutual | $140 | $228 |
| Bristol West | $159 | $259 |
| Shelter | $160 | $261 |
| The General | $241 | $393 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for seniors: Auto-Owners
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 Auto-Owners, with a cost of $47 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $47 | $83 |
| State Farm | $48 | $86 |
| GEICO | $56 | $99 |
| USAA | $61 | $108 |
| National General | $67 | $111 |
| State Auto | $69 | $122 |
| Allstate | $72 | $128 |
| Progressive | $74 | $130 |
| Travelers | $78 | $138 |
| Safeco | $85 | $135 |
| Clearcover | $97 | $170 |
| Nationwide | $98 | $175 |
| CSAA | $104 | $155 |
| Shelter | $118 | $208 |
| Liberty Mutual | $119 | $215 |
| Bristol West | $129 | $267 |
| The General | $197 | $323 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for teens: Auto-Owners
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, 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]
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 Auto-Owners, with a liability rate of $105 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $105 | $186 |
| State Farm | $111 | $199 |
| GEICO | $119 | $210 |
| USAA | $134 | $239 |
| Allstate | $168 | $299 |
| State Auto | $171 | $303 |
| National General | $181 | $299 |
| Progressive | $188 | $331 |
| Travelers | $190 | $336 |
| Safeco | $201 | $317 |
| Clearcover | $218 | $382 |
| CSAA | $230 | $344 |
| Nationwide | $241 | $428 |
| Liberty Mutual | $255 | $463 |
| Shelter | $284 | $502 |
| Bristol West | $285 | $590 |
| The General | $408 | $667 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates 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.
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 $171 per month for liability coverage and $283 for full-coverage insurance, on average. The overall cost of car insurance in the state is $227 per month, which exceeds the national average of $154. Ultimately, how much you pay for coverage depends on your driving record, ZIP code, age, and more.
Who has the cheapest car insurance in Kentucky?
With a monthly rate of $59 for liability insurance, Auto-Owners is the cheapest car insurance company in Kentucky. State Farm and GEICO also have cheap liability rates, at $61 and $70 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 out of 5, 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 $61 for liability and $109 for full coverage. Other top insurers include Travelers, USAA, and Auto-Owners.
Why is Kentucky insurance so high?
Kentucky is more prone to tornadoes than many other states, especially during April and May. The state is in Hoosier Alley — an offshoot of Tornado Alley. 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 50+ 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
- 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.
Related articles
More cities in Kentucky
Sources
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Information Institute. "Auto insurance for teen drivers."
- Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."
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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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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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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