Cheapest Auto Insurance in Kentucky (2024)

Auto-Owners has the cheapest liability coverage in Kentucky, with a rate of $69 per month.

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.

Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • 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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Shawn Powers
Reviewed byShawn Powers
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Shawn PowersVP of Insurance Sales at Insurify
  • 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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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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 February 26, 2024 at 11:00 AM PST

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The average cost of car insurance in Kentucky is $205 per month, which is higher than the national average of $156. 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 $175 per month for liability coverage and $236 for full-coverage insurance, on average.

  • Auto-Owners, State Farm, and National General 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$105$69Discounts
State Farm4.5$109$72Teen drivers
National General3.1$119$76High-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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for discounts: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$69/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.
$105/mo

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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$72/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

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for high-risk drivers: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$76/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.
$119/mo

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

Low prices.

Chad - November 18, 2023
Verified

Horrible service and does not appreciate customer loyalty.

Tiffany - October 31, 2023
Verified

Good insurance. Always on time.

Silvio A - October 16, 2023
Verified
Read our National General review

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 $69 per month

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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 $69 per month.

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

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Auto-Owners69
State Farm72
National General76
GEICO81
Safeco83
USAA88
Clearcover101
Allstate104
State Auto104
Liberty Mutual115
Travelers116
Progressive118
Midvale Home & Auto119
Nationwide152
CSAA169
Bristol West169
Shelter187
The General253
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 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 $105 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Auto-Owners105
State Farm109
National General119
GEICO124
USAA134
Clearcover153
Safeco158
Allstate159
Travelers167
State Auto174
Progressive179
Nationwide186
Midvale Home & Auto197
Liberty Mutual214
CSAA244
Shelter284
Bristol West321
The General427
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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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]

CoverageMinimum 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:

  • 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 object.

  • 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 a fire or vandalism.

  • 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 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 $261 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $312 per month for full-coverage insurance and $231 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners6988
State Farm7287
National General7694
GEICO81100
Safeco83111
USAA88108
Clearcover101134
Allstate104128
State Auto104139
Liberty Mutual115153
Travelers116146
Progressive118152
Nationwide152189
CSAA169217
Bristol West169212
Shelter187254
The General253323
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 $90 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 RecordWith Accident
Auto-Owners6990
State Farm7292
National General76100
GEICO81105
Safeco83118
USAA88113
Clearcover101162
Allstate104134
State Auto104148
Liberty Mutual115160
Travelers116152
Progressive118159
Nationwide152198
CSAA169230
Bristol West169217
Shelter187264
The General253338
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 $107.

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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 RecordWith DUI
Auto-Owners69107
State Farm72112
National General76118
GEICO81126
Safeco83129
USAA88136
Clearcover101157
Allstate104161
State Auto104161
Liberty Mutual115178
Travelers116180
Progressive118183
Nationwide152236
CSAA169262
Bristol West169262
Shelter187267
The General253392
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 $54 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Auto-Owners5483
State Farm5684
GEICO6498
National General64100
Safeco70134
USAA70107
Allstate84128
Progressive85129
Travelers91131
Liberty Mutual93174
Clearcover95144
Nationwide114140
CSAA130188
Bristol West135257
Shelter135205
The General210354
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 $117 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Auto-Owners117179
State Farm125190
GEICO130199
National General147230
USAA148225
Safeco151288
Clearcover184279
Allstate186284
State Auto189317
Liberty Mutual199370
Travelers212306
Progressive214325
Nationwide264323
Bristol West286543
CSAA287414
Shelter326495
The General412695
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 $175 per month for liability coverage and $236 for full-coverage insurance, on average. The overall cost of car insurance in the state is $205 per month, which exceeds the national average of $156. 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 $69 for liability insurance, Auto-Owners is the cheapest car insurance company in Kentucky. State Farm and National General also have cheap liability rates, at $72 and $76 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 4.5 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 $72 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
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." Accessed January 11, 2024
  2. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed January 11, 2024
  3. Insurance Institute for Highway Safety. "Older drivers." Accessed January 11, 2024
  4. Insurance Information Institute. "Auto insurance for teen drivers." Accessed January 11, 2024
  5. Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?." Accessed January 11, 2024
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • 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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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • 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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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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