Cheap Auto Insurance Quotes in Kentucky (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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 carriers 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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Kentucky. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Kentucky

Auto insurance costs will vary between locations and insurance carriers. 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.

CityCheapest CarrierQuote
ProgressiveProgressive
$132/mo
ProgressiveProgressive
$73/mo
ProgressiveProgressive
$73/mo
ProgressiveProgressive
$86/mo
ProgressiveProgressive
$83/mo
ProgressiveProgressive
$40/mo
ProgressiveProgressive
$40/mo
ProgressiveProgressive
$42/mo
ProgressiveProgressive
$41/mo
ProgressiveProgressive
$45/mo
AllstateAllstate
$115/mo
ProgressiveProgressive
$40/mo
ProgressiveProgressive
$38/mo
ProgressiveProgressive
$41/mo
ProgressiveProgressive
$45/mo
ProgressiveProgressive
$45/mo
ProgressiveProgressive
$40/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. 

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 CompanyQuotes
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 CompanyQuotes
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.

Insurance CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

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.

Greenes Cities

Murray

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Lexington

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 with cars illustration

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.