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Best Car Insurance Companies in Kentucky 2022: Quotes, Discounts

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Olivia Oksenhorn

By: Olivia Oksenhorn

| Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Quick Facts

  • Insurify’s best-rated insurance provider in Kentucky is Clearcover.
  • Travelers is the cheapest insurer on average in Kentucky, with average rates of $164 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Not all Kentucky car insurance companies are the same, and whether you’re looking for robust auto insurance or a low-cost policy, there is a range of insurance providers to choose from. Kentucky drivers don’t have to feel overwhelmed when it comes to shopping for insurance, as there’s one easy solution.

Motorists can shop for car insurance rates quickly and easily with Insurify. Simply answer a few questions about your vehicle, driving history, and the insurance options you’re looking for, and Insurify will show you car insurance quotes from some of Kentucky’s best auto insurance companies.

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

Affordable car insurance is easy to find, as Kentucky insurance companies offer a range of options. If you’re shopping for new insurance coverage, keep reading to learn more about the best car insurance companies in the Bluegrass State.

RankCompany NameAverage Cost Per Month in KentuckyInsurify Composite Score
1Clearcover$393.0097
2Nationwide$311.0089
3Safeco$199.0086
4Liberty Mutual$234.0082
5Travelers$164.0080
6State Auto$194.0076
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing 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.

Top Car Insurance Companies: Find the Right One for You

How do I find the best car insurance in Kentucky?

The easiest way to find the best car insurance in Kentucky is to shop around and compare quotes from multiple insurers. Because every driver has different factors in their unique driving profile that will affect their car insurance rates, the best car insurance company for you might be different than the best company for another driver.

Some Kentucky drivers prefer minimum coverage for their vehicle, while others like to have full coverage. Perhaps you prioritize the cost of your auto insurance coverage above all else, or you like the idea of bundling your coverage options with a renters or homeowners policy.

There’s a car insurance policy for everyone, and we’ve uncovered the best auto insurance options in Kentucky. If you’re in the process of comparing auto insurance rates and want to learn more, the following seven car insurance providers offer some great options.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Clearcover logo

Clearcover

Average monthly cost:
$393
Insurify Composite Score:
97

Clearcover offers straightforward pricing to motorists, helping both young drivers and those with more experience obtain low-cost coverage. Most of Clearcover’s business is conducted through an app, making it easy to file a claim, get a quote, and more.

Top discounts that the company offers include:

  • Safe driving programs
  • Special rates for active duty drivers
  • Pay-in-full pricing

Car insurance premiums will vary based on your driver category, with most Clearcover rates starting at around $341.

Driver CategoryAverage Monthly Cost
Drivers Under 25$503.00
Drivers Over 60$341.00
Safe Drivers (No Prior Violations)$366.00
Drivers With a Prior Accident$590.00
Drivers With a Prior Speeding Ticket$535.00
Drivers With Average Credit$387.00
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Nationwide logo

Nationwide

Average monthly cost:
$311
Insurify Composite Score:
89

A well-known name in the auto insurance industry, Nationwide offers rates to customers that are about 3% less than the national average for their coverage. Nationwide offers great customer service and has a reputation for handling claims with ease.

Top discounts that the company offers include:

  • Multi-policy savings
  • Lower rates for good drivers
  • Easy pay discounts

Ideal for those who want cheap car insurance, Nationwide premiums tend to average between $241 and $420 based on your driving history.

Driver CategoryAverage Monthly Cost
Drivers Under 25$420
Drivers Over 60$241
Safe Drivers (No Prior Violations)$293
Drivers With a Prior Accident$405
Drivers With a Prior Speeding Ticket$403
Drivers With Average Credit$323
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Safeco logo

Safeco

Average monthly cost:
$199
Insurify Composite Score:
86

Part of Liberty Mutual, Safeco partners with local agents to provide a range of insurance options to its policyholders. Safeco offers coverage that meets Kentucky minimum requirements, with various add-ons available to provide more comprehensive coverage.

Top discounts that the company offers include:

  • Cashback for claims-free drivers
  • Lower deductibles each renewal period
  • Savings based on your driving habits

Safeco rates are lowest for mature drivers with a clean driving record, offering average rates as low as $153.

Driver CategoryAverage Monthly Cost
Drivers Under 25$330
Drivers Over 60$153
Safe Drivers (No Prior Violations)$189
Drivers With a Prior Accident$271
Drivers With a Prior Speeding Ticket$238
Drivers With Average Credit$201
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual aims to educate Kentucky drivers about state insurance requirements while making it easy to select the policy that’s right for them. With a high customer satisfaction rating and the option to enroll in and manage your policy online, Liberty Mutual is a popular choice.

Top discounts that the company offers include:

  • Lower rates based on when you shop for a quote
  • Multi-vehicle discounts
  • Discounted rates for remaining accident-free

Generous motorist coverage is easy to find with Liberty Mutual, as most drivers can enroll in policies that average between $163 and $373.

Driver CategoryAverage Monthly Cost
Drivers Under 25$373.00
Drivers Over 60$163.00
Safe Drivers (No Prior Violations)$229.00
Drivers With a Prior Accident$270.00
Drivers With a Prior Speeding Ticket$251.00
Drivers With Average Credit$234.00
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
Travelers logo

Travelers

Average monthly cost:
$164
Insurify Composite Score:
80

Travelers networks with agents around the nation to provide auto insurance with low-cost rates. In business for over 165 years, Travelers puts its policyholders first and offers numerous discounts, along with highly customizable policy options.

Top discounts that the company offers include:

  • Savings for electric/hybrid vehicle owners
  • Lower rates for continuous Travelers coverage
  • Benefits for insuring a new car

As one of the more affordable Kentucky car insurance providers, Travelers helps drivers save with policy rates that start at $133.

Driver CategoryAverage Monthly Cost
Drivers Under 25$207
Drivers Over 60$133
Safe Drivers (No Prior Violations)$160
Drivers With a Prior Accident$181
Drivers With a Prior Speeding Ticket$210
Drivers With Average Credit$168
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
State Auto logo

State Auto

Average monthly cost:
$194
Insurify Composite Score:
76

Operating in 33 states, State Auto pledges to handle customer claims quickly and fairly, along with providing affordable rates for insurance coverage. Drivers work directly with a local agent to enroll in insurance coverage that meets their needs.

Top discounts that the company offers include:

  • Savings for full-time students
  • Discounts for multiple policyholders
  • Telematics programs

Average rates for a State Auto policy will vary based on your driving history and range from $167 to $304.

Driver CategoryAverage Monthly Cost
Drivers Under 25$274
Drivers Over 60$169
Safe Drivers (No Prior Violations)$167
Drivers With a Prior Accident$304
Drivers With a Prior Speeding Ticket$274
Drivers With Average Credit$203
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Cost of Car Insurance in Kentucky

Auto insurance coverage in Kentucky is customized to each driver’s needs, and the rates you pay factor in a number of considerations. If you have good credit and a clean driving record, you often are rewarded with low premiums. Where you live matters too, and residents in major Kentucky cities can expect average rates like these:

CityAverage Monthly Premium
Ashland$178
Bowling Green$208
Corbin$257
Covington$191
Elizabethtown$214
Florence$190
Frankfort$203
Georgetown$208
Henderson$224
Hopkinsville$195
Lexington$213
London$264
Louisville$336
Manchester$266
Nicholasville$218
Owensboro$173
Paducah$205
Radcliff$249
Richmond$215
Shepherdsville$244
Somerset$207
Winchester$206
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Shopping for car insurance is straightforward with Insurify, as you can compare features and pricing from multiple insurance companies like GEICO, State Farm, and USAA. First, answer a few questions about your driving history, your vehicle, and your habits on the road.

See More: Car Insurance for Bad Driving Records

Insurify will detail the features of each policy, allowing you to select the coverages that matter most like bodily injury liability, personal injury protection, and uninsured motorist coverage. You’ll also see a range of discounts available, helping you identify the most affordable car insurance option for you.

It doesn’t matter if you have poor credit, have a DUI on your record, or have caused an at-fault accident—Insurify can help you find full-coverage car insurance that’s affordable. Enroll online in just a few minutes, and gain peace of mind when you’re behind the wheel.

Frequently Asked Questions

  • Every Kentucky driver’s needs are different, and while you may want low deductibles, another resident may value affordable rates after a DUI. There are a number of car insurance companies in Kentucky, so it’s important to choose the best policy for your specific situation.

  • Your car insurance premiums are calculated based on a number of factors, including your driving history, credit score, and more. It’s smart to explore all of your Kentucky auto insurance options and enroll in a policy that at least meets the state minimum requirements for coverage.

  • Auto insurance isn’t a one-size-fits-all type of coverage, as a teen driver might require different protection compared to an experienced driver. It’s recommended that you purchase coverage that meets state requirements and offers robust protection in the event of an auto accident.

  • Kentucky drivers looking for affordable auto insurance can visit Insurify and find real-time quotes from multiple insurance companies. Whether you’re in need of a full-coverage policy or you want to find the best rates available, Insurify can help.

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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.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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