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Cheap Car Insurance in Kentucky (With Quotes, May 2022)

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Maria Sanchez

By: Maria Sanchez

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Kentucky is $207 per month, or $2,484 annually.
  • Progressive is the cheapest provider we found in Kentucky, with average premiums of $156 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Kentucky

Whether you’re driving to see a horse race at the Kentucky Derby, to delight your taste buds at a bourbon tasting, or to see the home of the Louisville Slugger, make sure you have the insurance coverage you need to stay safe on the road. With millions of vehicles in the Bluegrass State, robust auto insurance will keep you protected. Insurify will help you find the best options.

Cheapest Car Insurance in Kentucky

How much is car insurance in Kentucky?

The average cost of car insurance in Kentucky is $261 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Getting affordable car insurance in Kentucky is possible. Kentucky drivers can get the minimum coverage they need to make sure they’re protected in the case of a car accident, have to cover medical expenses or property damage, and more by shopping around for the cheapest rates. Kentucky auto insurance has a variety of coverage policies at prices to fit all budgets.

Car Insurance CompanyAverage Monthly Quote
Progressive$156
Kemper Preferred$172
Travelers$174
SafeAuto$184
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Kentucky

What happens if you need minimum coverage? In this case, you might be interested in liability insurance. This type of insurance policy helps when you’re found at fault for property damage liability or bodily injury liability. You don’t want to be left paying out of pocket for car accidents or any other damage. Liability coverage can come in handy, so we looked up the cheapest rates.

Car Insurance CompanyAverage Monthly Quote
Progressive$129
Travelers$130
State Auto$133
Safeco$135
SafeAuto$143
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Kentucky

Alternatively, maybe you need more coverage on your car insurance policy. Usually, these go beyond the state minimum for Kentucky insurance and include add-ons like comprehensive coverage, collision coverage, and more. Whether it’s full coverage or not, the best option is to not be an uninsured motorist. Keep reading for the best rates on full-coverage car insurance.

Car Insurance CompanyAverage Monthly Quote
Kemper Preferred$174
Progressive$187
Travelers$196
SafeAuto$210
State Auto$244
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Kentucky

If money isn’t a barrier and you’re in the market for the best cheap car insurance, see below for the winners of the highest Insurify Composite Score (ICS). While these prices are a bit higher than the national average rate, the following companies rank as the best insurance providers in the state. This way, you’re getting the highest quality auto insurance coverage.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$366
Liberty Mutual82$232
Nationwide89$326
Safeco86$213
State Auto76$209
Travelers80$174
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify. The methodology weighs multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

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Kentucky Car Insurance Rates by Driving and Accident History

Unfortunately, a driving history full of accidents and claims can do terrible things for your insurance premium. If you’re at a higher risk of getting into collisions, companies will notice. The best way to keep your rate low is by demonstrating that you are a safe driver.

Driving records and accident history can really negatively impact insurance rates. Violations, speeding tickets, being at fault for an accident, and driving under the influence (DUI) are all markers of high-risk driving. We always encourage keeping a clean driving record to keep costs low, but if that’s not possible, be sure to ask an insurance agent about any insurance discounts.

See More: High-Risk Car Insurance Kentucky

Cheap Car Insurance for Good Drivers in Kentucky

So what makes a “good driver”? Insurance providers recognize people whose driving history is free of collisions, claims, violations, and accidents. Many companies also offer discounts to policyholders who have gone collision-free for a number of years. Older age groups and women are also recognized as being less risky than younger drivers or men.

Car Insurance CompanyAverage Monthly Quote
Progressive$154
Kemper Preferred$162
Travelers$168
SafeAuto$168
State Auto$181
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Kentucky

Everyone makes mistakes, but it’s important to know that these have consequences. Getting in trouble for driving under the influence (DUI) can cause significant damage to your driving history and severely impact how much you pay for your auto insurance policy, in addition to court fines, reinstatement fees, and more. Luckily, some companies still provide affordable rates after DUIs.

Car Insurance CompanyAverage Monthly Quote
Progressive$155
Liberty Mutual$191
Travelers$195
Dairyland$202
Safeco$217
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

SR-22 Insurance in Kentucky

If you get a DUI, you may later require an SR-22 form. The SR-22 form proves that your auto insurance policy meets the minimum liability coverage mandated by state requirements or by court order. However, Kentucky does not require an SR-22 form. The following insurers may still provide cheap coverage for drivers with previous violations.

Cheap Car Insurance for Drivers with an At-Fault Accident in Kentucky

Unfortunately, if you were behind the wheel for anything as minor as a light fender bender to as serious as totaling a vehicle, then you’re responsible for an at-fault accident. This can spike what you pay for monthly payments and premiums.

However, Kentucky drivers can breathe a sigh of relief knowing that it’s a no-fault state, meaning that your insurance company will pay for injuries that result from an accident—regardless of who caused it.

Car Insurance CompanyAverage Monthly Quote
Progressive$151
Travelers$182
Kemper Preferred$239
SafeAuto$249
Liberty Mutual$270
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Kentucky

The need for speed might result in the need for a new budget. Like any other violation, speeding tickets negatively affect car insurance rates. The more you speed, the more points you rack up on your driver’s license, which means higher prices. Tickets can affect people differently, like if it was a first violation versus a fifth.

Car Insurance CompanyAverage Monthly Quote
Progressive$179
Kemper Preferred$209
Travelers$210
SafeAuto$232
Safeco$241
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kentucky Car Insurance Rates by Credit Tier

Financial history also impacts how much you pay for your auto insurance policy. Good credit is rewarded, as it reflects responsibility, while bad credit is usually punished with higher rates.

Insurify pulled together the data to determine the average monthly quote for drivers with excellent, good, average, and poor credit.

Credit TierAverage Monthly Quote
Excellent$229
Good$244
Average$285
Poor$354
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Kentucky Cities

Car insurance in Kentucky varies from city to city. A number of factors are used to determine how much you pay for your policy, and ZIP code is one of them. This is because some auto insurance providers see some areas as riskier than others. For example, metropolitan areas, like Louisville and Lexington, have more drivers and, therefore, may be more prone to accidents.

CityAverage Monthly Quote
Louiseville$353
Lexington$222
Bowling Green$217
Owensboro$188
Paducah$219
Richmond$225
Elizabethtown$224
Hopkinsville$206
Independence$225
Middlesboro$252
Mount Washington$274
Oak Grove$244
Lebanon$249
Benton$196
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kentucky Car Insurance Rates by Driver Age

Age also comes into play when determining how much you pay in car insurance. When it comes to driving, the older you are, the better. Car insurance companies reward older drivers, who have more experience and more years behind the wheel. The newer you are to the rules of the road, the higher chance you have of getting into accidents or having to file claims; this is the case for teen drivers.

Age GroupAverage Monthly Rate
Teenagers$559
Under 25$415
20s$310
30s$239
40s$237
50s$222
60s$215
70s$234
80+$263
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kentucky Driving Facts

Every state has minimum insurance requirements, and Kentucky is no exception. Additionally, all drivers in Kentucky will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Kentucky.

Minimum Car Insurance Requirements in Kentucky

The minimum liability insurance 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.

Kentucky DMV Information

Typically known as the Department of Motor Vehicles, or DMV, this is a state-run service that assists drivers with administrative tasks. This is run by the Kentucky Transportation Cabinet, which has sites all over the state. Here, Kentucky residents can register and renew their driver’s license or ID cards, register their vehicles, pick up license plates, and get insurance information.

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. No matter 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.

Public Transportation in Kentucky

While Kentucky does have access to public transit, its popularity and accessibility vary based on the county you reside in. For example, Frankfort residents can take BUS, or the Bluegrass Ultra-Transit Service, run by the Bluegrass Community Action Agency, to get around, as well as the Frankfort Transit System (FTS). Check what’s available in your county.

Public transportation that is run by the state is a great option if you do not have access to a car, do not have a license, or are unable to operate a vehicle. If you end up finding that your county doesn’t offer many options for public transportation, you can also look into walking routes, getting a bike, rideshare opportunities, or transit options that can be reimbursed by employers.

How to Get the Cheapest Car Insurance in Kentucky

No matter your credit history, age, driving record, or ZIP code, the most important thing to take away is that you don’t want to be an uninsured motorist. Seeing monthly rates can feel daunting, especially if you’re on a budget. But it’s still possible to get quality coverage you can afford.

Insurify is the best way to find quotes. We help you look up rates to make sure you have the protection you need on the road without breaking the bank. Our tools make it easy for drivers to shop around and compare rates in a matter of minutes. In just a few clicks and completely for free, we do all of the work to help you find a cheap, good-quality auto insurance policy.

Frequently Asked Questions

  • According to the Kentucky government website, anyone who owns a motor vehicle in the state is required to carry minimum liability coverage. This means that anyone who gets behind the wheel must have car insurance, in addition to a driver’s license. Any driver who fails to present auto insurance is at risk of having their vehicle registration revoked.

  • Easy! Use Insurify to help you look up the best and cheapest auto insurance rates. Our tools do all the hard work to pull together average car insurance quotes from hundreds of companies in the market. Did we mention that it’s all for free? In just a matter of minutes, you can look up quality coverage that doesn’t cost you an arm and a leg from great insurance companies.

  • On average, Kentucky drivers can expect to pay $207 per month for their auto insurance policy, a bit higher than the national average of $140 per month. It is one of three states in the country that doesn’t take credit scores into account when calculating rates. This makes it easier and more inclusive for drivers to get a policy they can afford, despite identity and demographics.

  • Car insurance rates are determined by a number of factors that can either help or hurt you. In Kentucky, like in most other states, a driving history full of claims, violations, and collisions can negatively impact your premium. Your ZIP code, gender, and age also play a role in figuring out how much you’ll pay. For example, teen drivers who live in Louisville can expect to pay more.

  • Yes, Kentucky state law requires all drivers to carry personal injury protection (PIP) coverage. This usually helps pay for medical expenses that drivers and their passengers face after an accident, even if they’re found at fault. Up to $10,000 is provided per person, which can help cover hospital bills, wages lost due to injury, and other costs that rack up.

Insurify Insights

How Kentucky Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Kentucky below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Kentucky drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Kentucky

#42

State with the Most Speeding Tickets Rank

#50

State with the Moving Violations Rank

#16

State with the Most DUIs Rank

#47

State with the most Suspended Licenses

  • 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. Kentucky is the #44 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #44
    • Percent of drivers in Kentucky with an accident: 8.36%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in KY who have a current at-fault accident on their driving record pay 32.6% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Kentucky is the #42 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #42
    • Percent of drivers in Kentucky with a speeding ticket: 7.29%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in KY with a speeding ticket in their driving history pay on average 26.87% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kentucky is the #16 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #16
    • Percent of drivers in Kentucky with a DUI: 2.5%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in KY with a DUI in their driving history pay on average 1.76% more than drivers with a clean record.
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Kentucky is the #33 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #33
    • Percent of drivers in Kentucky with a rude driving violation: 0.95%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in KY with a rude driving violation in their driving history pay on average 17.18% more than drivers with a clean record.
  • 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. Kentucky is the #33 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #33
    • Percent of drivers in Kentucky with a reckless driving offense: 0.07%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kentucky is the #50 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #50
    • Percent of drivers in Kentucky with a failure to yield violation: 0.12%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in KY with a failure to yield violation in their driving history pay on average 22.91% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Kentucky is the #7 state in the country for drivers with a clean record.

    • Rank among states: #7
    • Percent of drivers in Kentucky with a clean record: 83.87%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • 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 among states: #42
    • Percent of drivers in Kentucky with a hybrid/electric vehicle: 0.57%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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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.

Maria Sanchez
Maria Sanchez

Content Writer at Insurify

Maria Sanchez is a freelance writer from Boston. Specializing in educational content, she enjoys making information accessible to the greater public. In her spare time, she enjoys playing piano, hosting dinner parties, and volunteering.

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