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Cheap Auto Insurance Quotes in Kentucky (January 2022)
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Last Updated: January 2022
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The Bluegrass State has over 1.7 million registered vehicles and 78,000 miles of roadways. With all those cars on the road, a solid auto insurance policy is a must-have for Kentucky drivers. Keep reading for everything you need to know about Kentucky auto insurance, from quotes to requirements and everything in between.
Cheapest Car Insurance in Kentucky
Here are the cheapest companies in Kentucky for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Kentucky.
| Cheapest Companies | |
|---|---|
Progressive | $38/mo |
 State Farm | $85/mo |
 Allstate | $110/mo |
 Travelers | $143/mo |
 The General | $186/mo |
Best Car Insurance in Kentucky
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Kentucky. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $301/mo | |
State Farm | $85/mo | |
Allstate | $110/mo | |
 Liberty Mutual | $208/mo | |
Progressive | $38/mo | |
Travelers | $143/mo |
Car Insurance in Kentucky
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Kentucky to find you the cheapest quotes in each of these metropolitan areas.
Louisville is the most populous city in Kentucky. The city is one of many soon to be impacted by an overhaul of the state's valid ID laws, which will result in an overhaul of the current driver's license system.
Quotes by Top Companies
Quotes ($/mo)
$132
$215
$341
$402
ProgressiveTravelersState FarmThe General
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Louisville | Progressive | $132/mo |
| Bowling Green | Progressive | $73/mo |
| Owensboro | Progressive | $73/mo |
| Covington | Progressive | $86/mo |
| Richmond | Progressive | $83/mo |
| Hopkinsville | Progressive | $40/mo |
| Florence |  Allstate | $110/mo |
| Georgetown | Progressive | $42/mo |
| Elizabethtown | Progressive | $41/mo |
| Nicholasville | Progressive | $45/mo |
| Henderson | Allstate | $115/mo |
| Frankfort | Progressive | $40/mo |
| Independence | Progressive | $38/mo |
| Paducah | Progressive | $41/mo |
| Radcliff | Progressive | $45/mo |
| Ashland | Progressive | $45/mo |
| Madisonville | Progressive | $40/mo |
| Corbin |  SafeAuto | $182/mo |
| Erlanger |  Travelers | $163/mo |
| Fort Campbell | Travelers | $181/mo |
| Lexington | Progressive | $130/mo |
| Shepherdsville | Progressive | $133/mo |
| Winchester | Progressive | $82/mo |
Cheapest Liability Auto Insurance in Kentucky
For drivers in Kentucky, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Kentucky. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Kentucky.
| Cheapest companies | |
|---|---|
Progressive | $129/mo |
Travelers | $131/mo |
 State Auto | $134/mo |
 Safeco | $138/mo |
SafeAuto | $142/mo |
Cheapest Full Coverage Auto Insurance in Kentucky
For drivers in Kentucky, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kentucky. The following are the best insurance rates from carriers that offer full coverage auto insurance in Kentucky.
| Cheapest companies | |
|---|---|
Progressive | $177/mo |
Travelers | $197/mo |
SafeAuto | $217/mo |
State Auto | $242/mo |
Safeco | $249/mo |
Kentucky Driving Facts
Minimum Car Insurance Requirements in KY
All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $10,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Cheapest Car Insurance Quotes in Kentucky by Profile
Here are the cheapest insurance companies in Kentucky based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Kentucky drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Kentucky, at $38 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $38/mo |
State Farm | $85/mo |
Allstate | $110/mo |
Travelers | $143/mo |
The General | $186/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
State Farm | $47/mo |
Kentucky Farm Bureau | $56/mo |
USAA | $56/mo |
Cincinatti | $87/mo |
Progressive | $96/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
Kentucky Insurance Bureau | $47/mo |
USAA | $49/mo |
State Farm | $52/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Kentucky Farm Bureau | $34/mo |
Cincinatti | $38/mo |
USAA | $41/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Kentucky, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $54 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Kentucky 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Kentuckians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
GEICO | $54/mo |
USAA | $63/mo |
Allstate | $70/mo |
SR-22 Insurance in Kentucky
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Kentucky on your behalf.
KY DMV Information
The Kentucky Transportation Cabinet has outposts all around the state.
At the Kentucky Transportation Cabinet, Kentucky residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. Unfortunately, the DMV does not allow appointments to be made ahead of time. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Bluegrass State, a DMV shouldn’t be too far. Kentucky residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.
For more detailed rates on specific personas and driving histories, use our Kentucky insurance rate resources.
Insurify Insights: How Kentucky Drivers Measure Up
Moving Violations Rank
Kentucky
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Kentucky drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Kentucky
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Kentucky drivers rank 42 in the number of car accidents per driver.
- Rank of States: #42
- Percent of drivers in Kentucky with an accident: 8.46%
- Drivers in KY with an accident in their driving history paid on average 32.6% more than drivers with a clean record
Speeding in Kentucky
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Kentucky drivers rank 42 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #42
- Percent of drivers in Kentucky with a speeding ticket: 7.29%
- Drivers in KY with a speeding ticket in their driving history paid on average 26.87% more than drivers with a clean record
DUI/DWIs in Kentucky
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kentucky drivers rank 16 in the number of DUI’s per driver across all fifty states.
- Rank of States: #16
- Percent of drivers in Kentucky with a DUI: 2.5%
- Drivers in KY with a DUI in their driving history paid on average 1.76% more than drivers with a clean record
Most Popular Vehicle in Kentucky
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kentucky is the Ford F-Series Pickup.
Rude in Kentucky
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Kentucky drivers rank 33 in rude driving infractions.
- Rank of States: #33
- Percent of drivers in Kentucky with a reckless driving violation: 0.95%
- Drivers in KY with a reckless driving violation in their driving history paid on average 17.18% more than drivers with a clean record.
Safest Drivers in Kentucky
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Kentucky drivers rank 7 in clean driving records across all fifty states.
- Rank of States: #7
- Percent of drivers in Kentucky with clean record: 83.87%
Street Racing in Kentucky
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Kentucky drivers rank 20 in street racing violations per driver.
- Rank of States: #20
- Percent of drivers in Kentucky with a street racing violation: 0.01%
Failure to Yield the Right of Way in Kentucky
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kentucky drivers rank 50 in failure to yield violations per driver across all fifty states.
- Rank of States: #50
- Percent of drivers in Kentucky with a failure to yield violation: 0.12%
- Drivers in KY with a failure to yield violation in their driving history paid on average 22.91% more than drivers with a clean record
Reckless Drivers in Kentucky
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Kentucky drivers rank 33 in the number of reckless driving offenses per driver.
- Rank of States: #33
- Percent of drivers in Kentucky with a reckless driving offense: 0.07%
Hybrid/Electric Vehicle Ownership in Kentucky
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kentucky drivers rank 42 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #42
- Percent of drivers in Kentucky with a hybrid/electric vehicle: 0.57%
Greenest Cities in Kentucky
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The Kentucky Environmental Foundation focuses on public health initiatives pertaining to health impact, chemical weapons, clean energy, and environmental health literacy. The state is also prepping for the construction of its largest solar form, coming in 2022. The state of Kentucky offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers. Some of the state's urban areas promote local rideshare programs in order to reduce traffic congestion and practice eco-friendly commuting.
London
% of Hybrids / Electrics
1%
Most Patriotic City
Owensboro
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Radcliff won Insurify's Most Patriotic Cities Award for the state of Kentucky. Historically, Radcliff's population has depended on deployment at nearby Fort Knox, a storied U.S. Army Base.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Kentucky is vital for all car insurance shoppers hitting the road in The Bluegrass State.
Road Rankings
5%Rural Roads in
Poor Condition
#23
Ranked
8%Structurally Deficient
Rural Bridges
#11
Ranked
2%Fatality Rate per 100M VMT
on Rural Roads
#4
Ranked
FAQs - Kentucky Car Insurance
How will a citation impact my auto insurance rates in Kentucky?
If you’re plagued with a citation in the state of Kentucky, your insurance premiums will likely shoot up. Depending on what the citation is for will determine the severity of the cost increase. For a DUI or serious moving violation, the damage will probably be worse than a parking ticket.
What happens if I get caught driving uninsured in Kentucky?
You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance in Kentucky may result in a $500-$2,500 fine, imprisonment, loss of driving privileges, other court and reinstatement fees, and/or a misdemeanor charge. Plus, your licence or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law, and you will be required to apply for SR-22 insurance.
Who has the cheapest car insurance in Kentucky?
The best way to get the cheapest car insurance in Kentucky and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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