Cheapest Auto Insurance in Kentucky (2026)

The average cost of car insurance in Kentucky is $150 per month, which is higher than the national average of $136. 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.

6 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 six of the best cheap car insurance companies in Kentucky below.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $130/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $153/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $197/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $123/mo*
Overall rating 4.3 145 reviews	Overall rating 4.0 7,012 reviews	Overall rating 4.0 7,288 reviews	Overall rating 3.8 4,186 reviews	Overall rating 3.7 359 reviews	Overall rating 3.2 7,974 reviews
Value for money 3.4/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 3.3/5	Value for money 3.0/5	Value for money 3.1/5
Customer service 3.5/5	Customer service 4.2/5	Customer service 4.0/5	Customer service 3.8/5	Customer service 2.7/5	Customer service 3.3/5
Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 3.2/5	Claims handling 3.3/5
Special highlight AI-generated from 145 user reviews Cheap rates	Special highlight AI-generated from 7012 user reviews Customer service	Special highlight AI-generated from 7288 user reviews Teen drivers	Special highlight AI-generated from 4186 user reviews Accident forgiveness	Special highlight AI-generated from 359 user reviews SR-22 insurance	Special highlight AI-generated from 7974 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for discounts: Auto-Owners

discounts

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User Reviews	4.3 145 reviews
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.	$158/mo

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Driver Reviews

4.3

Best choiceBased on 301 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 (145)

Paul

Verified Review

Auto Owners

Reviewed in Michigan on February 10, 2026

Auto Owners' rates have increased year after year.

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

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 only obtain quotes through independent agents

Best insurer for teen drivers: State Farm

teen drivers

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User Reviews	4.0 7,012 reviews
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.	9.3 /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.	$106/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.	$165/mo

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Driver Reviews

4.0

Best choiceBased on 14,829 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (7,012)

Barbara

Verified Review

Totally disappointed in State Farm

Reviewed in South Carolina on February 11, 2026

State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.

Valerie

Verified Review

State Farm Review

Reviewed in Connecticut on February 11, 2026

They're fine, but the payments go up every 6 months.

Olinda

Verified Review

My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?

Reviewed in Illinois on February 11, 2026

My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

State Farm has been selling insurance to Americans since 1922. 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 telematics 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 usage-based 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

• Gap insurance not readily available, unless customer originates a loan through State Farm Bank

• Some other companies offer cheaper rates for drivers with violations

Best insurer for high-risk drivers: National General

high-risk drivers

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User Reviews	3.7 359 reviews
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.	7 /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.	$92/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.	$156/mo

Show Details

Driver Reviews

3.7

A solid optionBased on 943 verified guest reviews and ratings

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Reviews (359)

Denise

Verified Purchase

Awesome

Reviewed in Michigan on February 11, 2026

My experience with National General has been awesome.

Timothy

Verified Review

Loving National General

Reviewed in Oregon on February 10, 2026

Amazing

Faith

Verified Review

Too expensive for a 67-year-old woman!

Reviewed in Pennsylvania on February 10, 2026

Still seeking other insurance companies because of high costs.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

599

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.25

A.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

Owned by Allstate, National General has been in the insurance business for more than 100 years. The company offers a variety of insurance products, including home insurance, flood insurance, and auto insurance through a distribution network of independent agents. 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

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.

Low-cost car insurance in Kentucky

Kentucky has a program to help drivers who can’t find a car insurance company willing to insure them, but it doesn’t have one for low-income drivers looking for an affordable policy. If you’re looking to lower your car insurance bill, you should make sure you’re comparing quotes every time you’re up for renewal. 

Car insurance rates can vary dramatically from company to company and over time. The insurer that had the best deal for you six months ago may no longer be the cheapest option available.

Find Cheap Car Insurance in Kentucky

Liability quotes in Kentucky start at $84 per month

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4.7 out of 5 based on 11,762 reviews

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Cheapest liability-only car insurance quotes in Kentucky: Progressive

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.

Progressive offers the cheapest liability-only policies in Kentucky, at $84 per month.

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

The below rates in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
Progressive	$84
National General	$92
Auto-Owners	$102
State Farm	$106
Direct Auto	$109
Safeco	$116
GEICO	$119
Root	$127
USAA	$131
Bristol West	$153
Allstate	$154
Dairyland	$155
State Auto	$157
The General	$158
Travelers	$171
Liberty Mutual	$179
Hugo	$202
Nationwide	$226
Shelter	$277

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Kentucky: Direct Auto

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 Direct Auto, with a rate of $154 per month.

The following table provides average monthly quotes for the cheapest-full coverage car insurance in Kentucky.

The below rates in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
Direct Auto	$154
National General	$156
Auto-Owners	$158
Progressive	$161
Safeco	$162
State Farm	$165
CSAA	$181
GEICO	$186
Root	$199
USAA	$203
Allstate	$240
Liberty Mutual	$242
State Auto	$244
Travelers	$266
The General	$293
Bristol West	$306
Dairyland	$344
Nationwide	$351
Shelter	$431

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

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]

Coverage	Minimum 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:

• 

  Collision coverage

  Collision insurance reimburses you for damages to your car if you cause an accident with another car or a stationary object, like a tree or light pole. It also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance covers your vehicle if it incurs damage from something other than a car accident, such as theft, vandalism, fire, weather hazards, falling objects, and striking an animal.

• 

  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 companies in KY 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 for up to 10 years via a premium surcharge.

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 $181 for drivers with an incident

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4.7 out of 5 based on 11,762 reviews

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Cheapest car insurance quotes for drivers with a speeding ticket: Progressive

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 $236 per month for full-coverage insurance and $151 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 in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quotes With Clean Driving Record	Avg. Quotes With Speeding Ticket
Progressive	$84	$108
National General	$92	$116
Auto-Owners	$102	$135
State Farm	$106	$136
Direct Auto	$109	$138
Safeco	$116	$155
GEICO	$119	$158
Root	$127	$172
USAA	$131	$172
Bristol West	$153	$195
Allstate	$154	$203
Dairyland	$155	$195
State Auto	$157	$212
The General	$158	$214
Travelers	$171	$225
Liberty Mutual	$179	$231
Hugo	$202	$264
Nationwide	$226	$297
Shelter	$277	$373

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quote for drivers with an at-fault accident: Progressive

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 to five years after making a claim.

The cheapest insurer for Kentucky drivers with an at-fault accident is Progressive, with a cost of $114 per month.

Here are the cheapest car insurance rates for drivers with an at-fault auto accident.

The below rates in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Progressive	$84	$114
National General	$92	$124
Auto-Owners	$102	$136
State Farm	$106	$142
Direct Auto	$109	$151
Safeco	$116	$164
GEICO	$119	$156
Root	$127	$172
USAA	$131	$178
Bristol West	$153	$204
Allstate	$154	$209
Dairyland	$155	$207
State Auto	$157	$217
The General	$158	$220
Travelers	$171	$233
Liberty Mutual	$179	$241
Hugo	$202	$254
Nationwide	$226	$307
Shelter	$277	$378

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Progressive

Getting a DUI can cause a significant increase in your insurance premiums for up to 10 years in Kentucky. 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.

Progressive has the cheapest rates for Kentucky drivers with a past DUI, with a monthly liability rate of $109.

The table below includes companies that provide the lowest car insurance rates to drivers with a DUI.

The below rates in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Progressive	$84	$109
National General	$92	$128
Auto-Owners	$102	$142
State Farm	$106	$148
Direct Auto	$109	$152
Safeco	$116	$173
GEICO	$119	$164
Root	$127	$177
USAA	$131	$182
Bristol West	$153	$213
Allstate	$154	$214
Dairyland	$155	$216
State Auto	$157	$219
The General	$158	$220
Travelers	$171	$238
Liberty Mutual	$179	$249
Hugo	$202	$281
Nationwide	$226	$315
Shelter	$277	$386

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: National General

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 National General, with a cost of $72 per month.

The table below provides a breakdown of the cheapest car insurers for seniors in Kentucky.

The below rates in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Quote: Liability Only	Average Quote: Full Coverage
Progressive	$72	$138
National General	$72	$122
Auto-Owners	$80	$125
State Farm	$83	$129
Direct Auto	$87	$123
GEICO	$94	$147
Safeco	$101	$141
Root	$106	$166
USAA	$106	$164
State Auto	$119	$185
Allstate	$125	$194
Bristol West	$127	$253
Dairyland	$132	$292
The General	$132	$245
Travelers	$136	$212
Liberty Mutual	$149	$201
Nationwide	$172	$268
Shelter	$197	$306

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Progressive

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, high accident frequency, 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] And if you’re younger than 18, you can’t purchase car insurance without the written consent of a parent or guardian.

• 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 Progressive, with a liability rate of $152 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 in Kentucky are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Quote: Liability Only	Average Quote: Full Coverage
Progressive	$152	$290
National General	$186	$315
Auto-Owners	$204	$316
State Farm	$205	$319
Direct Auto	$210	$297
GEICO	$213	$332
Root	$219	$343
Safeco	$233	$326
USAA	$242	$375
Dairyland	$260	$578
Bristol West	$272	$544
The General	$276	$511
Allstate	$304	$474
Liberty Mutual	$314	$425
Travelers	$353	$550
State Auto	$381	$593
Nationwide	$441	$684
Shelter	$549	$854

Disclaimer: Table data sourced from real-time Kentucky car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kentucky may vary based on the policy buyer's unique driver profile.

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.

Kentucky car insurance FAQs