Best Car Insurance in Kentucky (2025)
GEICO, USAA, and the Kentucky Farm Bureau are three of the best car insurance companies in Kentucky.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
It can be a challenge to shop for car insurance. Every driver has their own unique budget and priorities. Kentuckians pay an average rate of $149 per month for car insurance, but you may be able to secure cheaper coverage.
To help you zero in on the right auto insurance coverage in Kentucky, Insurify analyzed 50 car insurance companies in the Bluegrass State. Let’s take a closer look at the best car insurance companies in Kentucky.
Best car insurance companies in Kentucky
Finding an affordable insurance rate can be intimidating. Fortunately, Kentucky has no shortage of great car insurance companies. To help narrow down your search, here are the top picks.
GEICO: Best insurer for homeowners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $120/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. | $179/mo |
4.0
Best choiceBased on 13,108 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,812)
Wayne
Verified Review
Geico stood by me
Reviewed in Florida on November 2025
To me, Geico has been more than helpful, reasonable, and fair. They have stood by me during three accidents, one serious, caused by another driver who ran a stop sign, totaled my vehicle, and sent me to the hospital. Another when a very large van slammed into the right side of my new 2025 Toyota and then fled the scene.
Dagoberto
Verified Review
Fair Money
Reviewed in Nevada on November 2025
Good price!
Alex
Verified Review
Good, but not great
Reviewed in Virginia on November 2025
It’s been good for the most part except for the cost. Insurance keeps increasing with each renewal, even with no tickets and the fact that I drive less than average annually in miles.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Nearly 70% of Kentucky residents are homeowners. If you’re a homeowner and driver in the state, GEICO is a great option due to its multi-policy discount. You can save money on your average annual premium for being a homeowner and bundling your homeowners policy with your car insurance.
Pros
Optional coverages, such as mechanical breakdown insurance and emergency road service
DriveEasy telematics program to help you land a lower average rate
Highly rated mobile app on the Apple App Store
Cons
No gap insurance
Limited local agents in Kentucky
Customer service complaints on Trustpilot
USAA: Best insurer for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $131/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. | $195/mo |
4.9
Best choiceBased on 2,389 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,307)
David
Verified Review
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Reviewed in North Carolina on November 2025
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Romeo
Verified Review
Just okay, it's not worth the money I spend monthly to insure 2 vehicles and a house!
Reviewed in Texas on November 2025
It's too expensive, period, and for being with a company since 1992, you would think that they would be willing to give me a discount for all the years that I have been with the business!
Tameika
Verified Review
Why I Chose to Leave USAA After 17 Years
Reviewed in California on November 2025
USAA insurance company is great for filing claims quickly and easily. They pay claims promptly and are super helpful. However, when it comes to truly caring about their members, it's disappointing. I have credit cards, bank accounts, my car loan, and car insurance all under USAA. Personally, after battling cancer and health issues, getting USAA to show compassion for my situation was nonexistent. They only seem to care about active duty members, which is the only group they will help in a financial crisis. For that reason, I am really disappointed in USAA as a whole. I think for the money, it's not worth it. There are other companies that will insure my car just the same for cheaper. I don't need to carry the USAA brand and overpay when they won't do anything for a member going through something catastrophic.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Veterans make up 6.2% of Kentucky’s population, according to the most recent numbers from the U.S. Census Bureau. USAA offers a variety of cheap car insurance options for the state’s veterans, active-duty personnel, and qualifying family members. Its lineup of auto policies includes state-minimum liability coverage, full coverage, accident forgiveness, roadside assistance, and rental car reimbursement.
Pros
Unique military-related discounts
SafePilot telematics program
AM Best financial strength rating of A++ (Superior)
Cons
Coverage limited to members of the military community
No local agents
Doesn't offer 24/7 customer service
Allstate: Best insurer for classic car owners
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $155/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. | $231/mo |
3.9
A solid optionBased on 7,592 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,889)
Albert
Verified Review
Yikes
Reviewed in Louisiana on November 2025
The rates were almost double compared to the new insurance I found!
Robert
Verified Review
Too High
Reviewed in Nevada on November 2025
Policies are too high.
Betty
Verified Review
Cheaper but good insurance.
Reviewed in Oregon on November 2025
Very good, and the representative who sold me the policy was helpful and friendly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The KYANA Region of the Antique Automobile Club of America unites classic and antique car enthusiasts in Louisville, Kentucky, and the surrounding areas. These drivers may find specialty classic car insurance through Allstate. While traditional car insurance covers vehicles based on their actual cash value and considers depreciation, classic car insurance protects cars for an amount that the insurance company and owner agree upon.
Pros
Drivewise, a usage-based telematics program with a crash-detection feature
Robust mobile app
Can save on your deductible if you drive safely with Deductible Rewards program
Cons
Average rates may be higher than some competitors
Low J.D. Power rating for customer satisfaction in the Southeast region
Complaints of poor customer service on Trustpilot
Kentucky Farm Bureau: Best insurer for local service
Kentucky Farm Bureau is worth exploring if you’re looking for a Kentucky-based car insurance company that can help you find good coverage. It’s a well-known insurer in the area with plenty of local agents and regional offices in cities such as Louisville, Richmond, Elizabethtown, and Grayson. In addition to standard car insurance coverage, the Kentucky Farm Bureau offers add-ons to help pay for towing and labor costs, medical payments, and rental reimbursement.
Pros
Solely serves Kentucky residents
Telematics DriveRight Mobile discount
Rated A (Excellent) by AM Best for its financial strength
Cons
Limited digital tools
Gap insurance not available
Fewer options than some competitors
Auto-Owners: Best insurer for young drivers
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/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. | $152/mo |
4.3
Best choiceBased on 254 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (130)
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
Henry
Verified Review
Many Years of Service
Reviewed in Minnesota on November 2025
They have always paid claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Nearly 600,000 Kentucky residents are between the ages of 15 and 24, according to U.S. Census Bureau data. Teens and younger drivers in the state have less experience and are more likely to get into an accident, which increases their car insurance rates.
Auto-Owners advertises a number of discounts tailored to teen drivers and young adults and others in this demographic, such as a good student discount, student away at school discount, and teen monitoring discount, which involves a permanently installed GPS system.
Pros
Common loss deductible if you bundle your auto and home policies
Statewide distribution network of independent agents
Offers rental car coverage after a car accident
Cons
Must work with an Auto-Owners agent to obtain quotes and purchase coverage
Must file claims through your agent
Below-average score J.D. Power customer satisfaction rating in the Southeast region
Our editorial team analyzed regional and national auto insurance companies that sell policies in Kentucky to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Kentucky
Here are some tips to lock in the best car insurance coverage and find the most affordable monthly rate in the Bluegrass State:[1]
Consider how much coverage you need
Think about your driving habits and the type of car insurance that can support them. If you don’t drive very often, minimum coverage may be sufficient. But if you’re a frequent driver, finance your car, or have a lease, the state’s minimum coverage might not be enough. Full coverage, which includes collision and comprehensive insurance, may be worth the additional investment.
Read reviews from policyholders
Before you sign on the dotted line, check out reviews from current and former customers. This can help inform you of an insurer’s reputation. Trustpilot and the Better Business Bureau are great places to start.
Consider a higher deductible
A deductible is the amount of money you pay out of pocket before your insurance kicks in when you make a claim. Deductibles only apply to add-on policies, like collision and comprehensive coverage, and not state-mandated liability coverage. A higher deductible means lower monthly premiums, but you need to be prepared to pay the deductible if you have a claim.
Shop around
Request quotes from at least three different Kentucky car insurance companies. Compare the monthly rate, coverage options, add-ons, and special perks to find the ideal option for cheap car insurance that fits your needs.
Find Cheap Car Insurance in Kentucky
Liability quotes start at $92 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Kentucky
On average, Kentucky drivers pay monthly rates of $115 for liability insurance and $183 per month for full coverage. Kentucky drivers have seen rate increases over the past few years due to inflation, higher costs of repairs, and an increase in car accidents.[2]
Best car insurance in Kentucky FAQs
If you’re looking for affordable car insurance in Kentucky, the additional information below can help as you compare coverage options.
How much is car insurance in Kentucky?
Car insurance in Kentucky costs $183 per month for full coverage and $115 per month for liability coverage.
What are the best car insurance companies in Kentucky?
The best car insurers in Kentucky depend on your particular budget and needs. GEICO, USAA, Allstate, Kentucky Farm Bureau, State Farm, and Auto-Owners are all good options to consider. Shop around to find the right car insurance company and the best insurance rate for your ZIP code, driving needs, credit history, and budget.
What is the required auto insurance coverage amount in Kentucky?
All Kentucky drivers must purchase the following minimum coverage: $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 per accident in personal injury protection (PIP). You can always add on additional insurance for more coverage at a higher premium. If you have a higher-value car, considering more than the minimum coverage is a good idea.[3]
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Sources
- III. "Nine ways to lower your auto insurance costs."
- Lexington18. "How rising car insurance prices are impacting Kentucky families."
- KY.GOV. "Mandatory Insurance."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.