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Cheapest Car Insurance Quotes in Kentucky

The cheapest car insurance company in Kentucky is Progressive, with average monthly rates of $60 for liability insurance and $108 for full coverage. Shop real-time quotes for Kentucky auto insurance and buy your policy all in one place with Insurify.

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Cheapest recent car insurance quotes in Kentucky

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $86/mo for full coverage in Kentucky.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Anna Baluch
Written byAnna Baluch
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Anna BaluchAuto and Home Insurance Writer
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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  • 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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Cheapest car insurance quotes in Kentucky

Kentucky drivers pay an average of $120 per month for minimum coverage and $190 per month for full coverage, according to Insurify data.

The Bluegrass State had the second-highest rate of fatal accidents (1.33 deaths per 100 million vehicle miles traveled) among all states in the first half of 2025.[1] Kentucky’s crash and fatality rates contribute to the state’s insurance costs, which are higher than national averages.

Below, you’ll find the cheapest car insurers in Kentucky, broken down by driver category.

Driver Category
sort ascsort desc
Cheapest Insurance Company in Kentucky
sort ascsort desc
Cheapest Monthly Quote in KY
sort ascsort desc
OverallProgressive$60
State minimum coverageProgressive$60
Full coverageProgressive$108
Drivers with a clean recordProgressive$60
After a speeding ticketProgressive$76
After an at-fault accidentProgressive$79
After a DUIProgressive$74
Teen/new driversProgressive$102
SeniorsProgressive$53
Bad creditProgressive$75
Disclaimer: Table data is based on real-time Kentucky quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Kentucky: Progressive

To drive legally in Kentucky, you’ll need to buy at least the state’s minimum required amount of liability car insurance. Liability coverage protects you financially if you cause an accident by paying for the other driver’s vehicle damages and injuries.

For the cheapest liability-only premiums in the Bluegrass State, consider Progressive, National General, or Auto-Owners.

The data below shows the most affordable liability coverage options in Kentucky.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$60
National General$73
Auto-Owners$75
State Farm$78
Direct Auto$86
GEICO$87
Safeco$90
USAA$95
Root$104
Allstate$112
The General$114
Trexis$115
State Auto$115
Dairyland$120
Liberty Mutual$124
Travelers$125
Bristol West$126
Trexis One$142
Hugo$156
Nationwide$165
Shelter$203
Insurify Car$236
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.

Agent Tip: Does liability-only coverage provide enough protection?

Austin Moyers

Austin Moyers

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Licensed P&C Insurance Agent and Sales Manager, Insurify

Many states have the same liability requirements as Kentucky — 25/50/25. But it’s a good idea to buy higher coverage if you can afford it, because $50,000 may not be enough to cover all the damage if you get into a crash with a newer or expensive car.

View less

Cheapest full-coverage car insurance in Kentucky: Progressive

Full-coverage car insurance in Kentucky adds collision and comprehensive coverage to liability coverage for at least the state’s minimum required amounts. Full coverage can pay for damage to your car. If you lease or finance your vehicle, your leasing company or auto lender will require you to buy full coverage.

Progressive and National General have some of the most affordable full-coverage policies in the state.

Here’s a look at the cheapest full-coverage insurance rates in Kentucky.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$108
National General$125
Auto-Owners$125
Safeco$126
State Farm$130
Direct Auto$131
CSAA$142
GEICO$146
USAA$160
Root$163
Liberty Mutual$187
Allstate$189
State Auto$192
Trexis$197
Travelers$210
Bristol West$250
The General$258
Trexis One$264
Dairyland$265
Nationwide$277
Shelter$340
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 recent car insurance quotes in Kentucky

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $86/mo for full coverage in Kentucky.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Insurify Car: One-week car insurance for Kentucky drivers

Kentucky has the sixth-lowest average hourly earnings among all the states, according to Bureau of Labor Statistics data.[2] A big car insurance down payment can be difficult if your weekly earnings are only around $1,000.

One way to make your car insurance premium more manageable is to break it into smaller chunks. That’s the premise behind Insurify Car.

Traditional auto insurance policies require you to pay your premium at least monthly, with typical terms of six or 12 months. Insurify Car lets you buy a liability-only policy to meet your state’s minimum requirements, and you can pay for your coverage in seven-day increments.

You can set a cancellation date at any time, or set your policy on auto pay to roll over your coverage from week to week. Insurify Car could be a good choice if you don’t need full coverage, only drive occasionally, or don’t want to pay for auto insurance coverages you don’t need.

Best cheap car insurance companies in Kentucky

Plenty of national car insurance companies sell coverage in Kentucky. But you can often find competitive rates and great coverage from smaller, regional insurers as well as big companies.

State Farm is both the biggest insurer in the country and the largest in Kentucky. But Kentucky Farm Bureau, which only sells policies in the Bluegrass State, is the second-largest.

The best car insurance companies in Kentucky provide affordable coverage despite the state’s higher-than-average premiums. These insurers also offer a variety of auto policies and strong financial strength ratings.

Here are our top picks for car insurance in Kentucky.

Progressive: Best for safe drivers in Kentucky

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
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.
8.7 /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.
$60/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.
$108/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky for
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky for
Competitive rates
Easy buying process
Telematics program
Showing 29 reviews from Kentucky drivers - See all 8,473 Progressive reviews
Anthony
Verified Review
Rates
Reviewed in Kentucky on March 27, 2026
It's okay, but I'd like to know why it went up, I'm talking like $10 a month.
Brenda
Verified Review
They were much cheaper than my previous company and they are very informative when it comes to any changes to my policy.
Reviewed in Kentucky on March 16, 2026
They were much cheaper than my previous company and they are very informative when it comes to any changes to my policy.
Deborah
Verified Review
Progressive Roadside Service: Great Value!
Reviewed in Kentucky on March 2, 2026
Everything is automated. We appreciated the roadside assistance; we paid full price, and this was essential. We used them for a dead battery, and Progressive roadside service was excellent.
Robert
Verified Review
Rj
Reviewed in Kentucky on February 23, 2026
I am overpaying.
Frances
Verified Review
Great Insurance & Great Service
Reviewed in Kentucky on January 27, 2026
They seem to be very professional and very helpful. We have had no claims, thank God! But I would recommend them to anyone.
Beverly
Verified Review
Review of Current Progressive Auto Insurance Policy
Reviewed in Kentucky on January 24, 2026
I feel that my premium is too high for the coverage they provide. I had one accident in 2025, which initially was a hit and run, but the individual was driving a company truck. The insurance company of the business owner took ownership and repaired my vehicle. I have tried to get full coverage for my vehicle from Progressive at a reasonable rate unsuccessfully. The only ticket I have ever received was a parking ticket decades ago, no accidents other than the one I mentioned initially in over 10 years, no DUIs, no speeding tickets ever, and I still can’t get a decent rate.
Lori
Verified Review
How I feel about Progressive
Reviewed in Kentucky on January 7, 2026
I feel like my rate is very high for a 63-year-old with a 10-year-old car.
Rachelle
Verified Review
Too Expensive for My Age and No Claims
Reviewed in Kentucky on January 1, 2026
Price increases once you join!
Janet
Verified Review
Customer service was nice but cancelling me because someone tried to hack my account put me in a bind
Reviewed in Kentucky on December 28, 2025
It was Progressive, but they canceled my policy while I was waiting for the bank to free my account when they froze my debit card because someone tried to hack me. A new card was to be ordered on the 3rd of the month, but the bank dropped the ball and reordered on the 15th. They only wanted the debit card for payment. I called to inform them, but that didn't matter to them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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

When you live in a state with a relatively high accident rate, like Kentucky, discounts for good driving habits are important. Progressive’s Snapshot program bases your rate on how you drive. Good drivers save an average of more than $300 per year, according to Progressive.

Plus, the insurer offers multiple levels of accident forgiveness coverage, so your rates won’t rise after an accident.

Pros
  • Affordable coverage for Kentucky residents

  • Three levels of accident forgiveness available

  • Agents available in more than 135 Kentucky communities

Cons
  • High-risk drivers may pay more with Snapshot

  • Just 1.2 (out of 5) stars on Trustpilot

  • Much lower than average customer claims satisfaction (673 out of 1,000 points), according to J.D. Power

Auto-Owners: Best for young drivers in Kentucky

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.
$75/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.
$125/mo
4.3
Best choice in KentuckyBased on 335 verified driver 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.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky 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.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 150 Auto-Owners reviews
James
Verified Review
Does not take care of business. People they send for damage repair are way off base on their pricing
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Twitty
Verified Review
Good company, just the rates are too expensive
Reviewed in Florida on April 4, 2026
Uneventful.
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
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

About 22% of Kentuckians are younger than 18, according to data from the U.S. Census Bureau. If you’re a teen or young driver in the Bluegrass State, Auto-Owners offers several car insurance discounts that may apply to you, including good student, student away at school, and teen driver monitoring price breaks.

Pros
  • Offers accident forgiveness

  • Lowest rates for most Kentucky drivers

  • Scores higher than average for claims satisfaction, according to J.D. Power

Cons
  • Doesn’t give online quotes

  • Fewer add-ons than some other insurers

  • Just 1.8 stars (out of 5) and only 26 reviews on Trustpilot

State Farm: Best for senior drivers in Kentucky

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.
9.3 /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.
$78/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.
$130/mo
4.0
Best choice in KentuckyBased on 17,911 verified driver 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.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky 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.

Based on analysis of verified reviews collected by Insurify
Best in Kentucky for
Customer service
Competitive rates
Discounts for safe drivers
Showing 38 reviews from Kentucky drivers - See all 7,521 State Farm reviews
Connie
Verified Review
State Farm Satisfied Customer
Reviewed in Kentucky on May 3, 2026
I have only had two claims in the past thirty years or so. In both instances (one auto and one home), I could not have asked for a better response to my claims.
Joan
Verified Review
State Farm
Reviewed in Kentucky on April 28, 2026
I was given one amount, and the second bill doubled with State Farm.
Randall
Verified Review
Insurance for Kentucky is way overpriced
Reviewed in Kentucky on April 17, 2026
Need cheaper rates! We are retired and need all the financial help we can receive.
Melissa
Verified Review
State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.
Reviewed in Kentucky on April 13, 2026
State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.
Sherry
Verified Review
Too Expensive
Reviewed in Kentucky on April 13, 2026
State Farm is such a great insurance company. I have nothing really bad to say about them except my rate was too high. I'm 55 and disabled, and there's no way I should have been paying over $300 a month for full coverage insurance for my 2012 Equinox. So I started searching around and was more specific with my search and found a cheaper rate with the same perks and options. Cheaper, but I think State Farm is still a good company.
Jessica
Verified Review
Drive Safe and Save... Yourself the Headache
Reviewed in Kentucky on April 9, 2026
Due to the lack of insurance adjusters and their use of artificial intelligence through third parties to process claims, you are looking at a total loss in the event of an accident, with them keeping the vehicle to auction and recover some of their money. Vehicles are grossly undervalued with this company.
Pamela
Verified Review
No transparency
Reviewed in Kentucky on April 7, 2026
Premium hike and no explanation of why.
Kimberly
Verified Review
Great customer service
Reviewed in Kentucky on March 20, 2026
Super easy to deal with. Cheapest price around. Great customer service.
Gracie
Verified Review
Too High
Reviewed in Kentucky on March 14, 2026
I would say it's a good insurance company if you can afford the price. It's way too high for me.
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

Seniors older than 60 make up 18% of Kentucky’s population, according to data from the U.S. Census Bureau. State Farm offers multiple discounts that can help senior drivers save, including discounts for being a senior, being a good driver, having multiple vehicles insured with the company, and having more than one type of policy with State Farm.

Pros
  • Above-average customer satisfaction ratings from J.D. Power

  • Offers roadside assistance and rental car reimbursement

  • Very low starting rates for seniors

Cons
  • Limited discounts

  • No accident forgiveness add-on

  • Just 1.5 stars from 971 reviews on Trustpilot

How car insurance costs in Kentucky have changed

Since December 2021, car insurance rates in Kentucky have risen nearly 27%, according to Insurify data. As of December 2025, full coverage costs Kentucky drivers an average of $2,277 per year.

Insurify data analysts project rates will rise 1.2% in Kentucky by the end of 2026.

Average car insurance costs in Kentucky over time

The table below highlights car insurance rates in Kentucky over the last five years.

Average Kentucky Car Insurance Rates Over the Past Five Years

Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.

Find Cheap Car Insurance in Kentucky

Rates start at $60/mo. for liability coverage

Excellent
4.7 out of 5 based on 14,273 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Kentucky car insurance requirements

Kentucky is a “choice” at-fault state, meaning drivers need personal injury protection (PIP) to cover their injuries after an accident.[3] If you prefer, you can reject PIP insurance and rely on the at-fault driver’s coverage to pay for your injuries.

Here are the minimum requirements in Kentucky:[4]

  • Bodily injury liability: $25,000 per person and $50,000 per accident

  • Property damage liability: $25,000 per accident

  • Personal injury protection: $10,000

Car insurance rates across Kentucky cities

Kentucky has fewer people and generally less traffic congestion than many other states. Still, urban areas like Lexington and Louisville can have busy roadways, especially during rush hours. If you live in a more rural area of the state, you could see lower premiums — fewer vehicles on the road means lower crash risks.

Below are auto insurance quotes for different cities in Kentucky.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Bowling Green$149
Elizabethtown$148
Henderson$146
Lexington$155
Louisville$233
Owensboro$138
Paducah$155
Richmond$145
Disclaimer: Table data is based on real-time Kentucky quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Kentucky for drivers with a clean record: Progressive

Kentucky residents with good credit and clean driving records — free of speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions — can find the cheapest coverage through Progressive.

Here’s a look at cheap auto insurance rates in Kentucky for people with clean driving histories.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$63
National General$68
Auto-Owners$74
State Farm$76
Direct Auto$84
GEICO$87
USAA$93
Safeco$98
Root$105
State Auto$109
Allstate$112
The General$112
Dairyland$117
Trexis$120
Travelers$122
Bristol West$124
Liberty Mutual$131
Trexis One$148
Nationwide$158
Hugo$161
Shelter$191
Insurify Car$246
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 in Kentucky for drivers with a speeding ticket: Progressive

Getting a speeding ticket in Kentucky means you could face fines of up to $100, depending on how much over the speed limit you were going. Getting a ticket could also mean higher car insurance costs.

The average cost of liability coverage for Kentucky drivers with a speeding ticket is $152 per month.

Here are the cheapest car insurance quotes for Kentuckians with a speeding ticket.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$76
National General$92
Auto-Owners$98
State Farm$100
Direct Auto$109
GEICO$115
Safeco$119
USAA$123
Root$139
Trexis$146
Allstate$147
Dairyland$150
State Auto$154
The General$154
Liberty Mutual$159
Bristol West$160
Travelers$163
Trexis One$180
Hugo$200
Nationwide$215
Shelter$271
Insurify Car$299
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.

Affordable car insurance in Kentucky with an at-fault accident: Progressive

More than 140,000 accidents occurred in Kentucky in 2025, including 648 with fatalities, over 20,000 with injuries, and nearly 120,000 that resulted in property damage, according to Kentucky State Police data. Kentucky residents with an at-fault accident on their records pay $204 per month, on average, for car insurance.

This data highlights the lowest rates for drivers with an at-fault accident in Kentucky.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$79
National General$97
Auto-Owners$99
State Farm$103
GEICO$114
Direct Auto$117
Safeco$125
USAA$128
Root$140
Allstate$150
Trexis$152
State Auto$157
The General$157
Dairyland$159
Liberty Mutual$165
Bristol West$166
Travelers$169
Trexis One$187
Hugo$207
Nationwide$222
Shelter$276
Insurify Car$311
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.

Cheap car insurance quotes for Kentucky drivers with a DUI: Progressive

A first DUI offense in Kentucky carries serious penalties, including fines of up to $500, up to 30 days in jail, 90 days of enrollment in an alcohol or substance abuse program, and a six-month license suspension. Penalties become more severe for repeat offenders.

The average auto insurance rate for Kentucky drivers with a DUI conviction is $192 per month.

Here are the cheapest premiums for Kentuckians with DUIs.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$74
National General$98
Auto-Owners$100
State Farm$105
GEICO$115
Direct Auto$115
USAA$127
Safeco$128
Root$141
Trexis$143
State Auto$147
The General$147
Allstate$150
Dairyland$161
Liberty Mutual$166
Travelers$167
Bristol West$169
Trexis One$176
Hugo$209
Nationwide$221
Shelter$274
Insurify Car$293
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.

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Cheapest car insurance for teen drivers in Kentucky: Progressive

To drive legally in the Bluegrass State without supervision, teen drivers must be at least 16 years and 6 months old.[5] In 2025, nearly 19,000 accidents involved teenage drivers, according to Kentucky State Police data.

As in other states, young drivers in Kentucky face significantly higher premiums than other age groups — $264 per month, on average.

The data below reveals the cheapest auto insurance quotes for teen drivers in Kentucky.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$102
National General$142
State Farm$147
Auto-Owners$149
GEICO$152
Direct Auto$162
USAA$170
Root$175
Safeco$178
Trexis$196
The General$199
Dairyland$202
Liberty Mutual$211
Allstate$216
Bristol West$217
Trexis One$242
Travelers$254
State Auto$273
Hugo$278
Nationwide$313
Shelter$394
Insurify Car$402
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.

Cheap car insurance quotes in Kentucky for senior drivers: Progressive

In 2025, senior Kentuckians were behind the wheel in 29,293 crashes, according to Kentucky State Police data. Still, statistically, seniors get into fewer accidents than other age groups, so insurers charge them lower premiums.

Kentucky drivers in their 60s pay an average of $136 per month for auto insurance coverage.

Here’s an overview of the most affordable car insurance rates for senior drivers in Kentucky.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$53
National General$58
Auto-Owners$60
State Farm$62
GEICO$70
Direct Auto$71
USAA$78
Safeco$79
Root$88
State Auto$88
Allstate$92
The General$98
Travelers$101
Trexis$101
Dairyland$103
Liberty Mutual$104
Bristol West$106
Trexis One$124
Nationwide$127
Hugo$136
Shelter$146
Insurify Car$207
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 with bad credit: Progressive

Kentucky allows insurance companies to consider your credit when deciding whether to sell you a policy, but it can’t be the only reason they refuse coverage. And they can consider your credit information when setting your car insurance rates.

Kentucky drivers with poor credit usually pay more than drivers with good or excellent credit. The average cost of car insurance for drivers with poor credit is $194 per month in Kentucky.

Here are the lowest car insurance quotes for Kentucky residents with bad credit.

The below rates in Kentucky are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$75
National General$90
Direct Auto$106
GEICO$107
Safeco$111
Auto-Owners$112
State Farm$112
USAA$117
Root$128
Allstate$138
The General$141
State Auto$143
Trexis$144
Dairyland$148
Liberty Mutual$149
Travelers$154
Bristol West$156
Trexis One$178
Hugo$193
Nationwide$204
Shelter$251
Insurify Car$295
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.

Find Coverage for Any Credit Profile

Rates start at $75/mo. for KY drivers with poor credit

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Kentucky car insurance FAQs

Average car insurance costs in Kentucky are higher than national averages, but nowhere near the most costly in the country. Here’s some additional information to help you find cheap car insurance in Kentucky.

  • Which company has the cheapest car insurance rates in Kentucky?

    Overall, Kentucky drivers can find the cheapest car insurance rates from Progressive, at $60 per month. But National General and Auto-Owners are also worth a look for Bluegrass State drivers looking to save. Their average rates are $73 and $75 per month, respectively.

  • Which discounts lower car insurance in Kentucky?

    Kentucky drivers can save with discounts for safe driving, bundling auto with home or renters insurance, vehicle safety features, and more. Most insurers offer multiple discounts you may qualify for. But it’s important to ask what’s available to you.

  • How can you get car insurance when you’re poor?

    The best way to find affordable car insurance is to get multiple quotes from different insurers. Car insurance rates fell in many states in 2025, including Kentucky, so your chances of getting a good deal may be better. Ask for discounts, check out usage-based insurance programs that could lower your costs, and look into flexible payment options.

  • Should you buy the cheapest car insurance in Kentucky?

    Saving money makes sense, but the cheapest insurance isn’t always the best. The cheapest car insurance in Kentucky will likely be a minimum coverage policy. Not every driver needs full coverage, but almost every driver can benefit from higher liability limits that provide greater financial protection if you cause an accident.

  • What can you do if you can’t afford car insurance?

    If you’re struggling to make your premium payments, check with your insurer to see if they have a more flexible payment plan to make payments more manageable.

    You can also consider raising your deductible or reducing your coverage to the state minimum. Just be sure you can handle the deductible amount in case of a crash. Finally, comparing multiple quotes could help you find a lower rate.

Methodology

Insurify data scientists analyzed more than 190 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 500+ 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. U.S. Department of Transportation, National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities for the First Quarter of 2025."
  2. U.S. Bureau of Labor Statistics. "Graphics for Economic News Releases."
  3. Kentucky Public Protection Cabinet, Department of Insurance. "No Fault Rejection/Verification (PIP)."
  4. Drive.ky.gov. "Mandatory Insurance."
  5. Drive.ky.gov. "Graduated Driver Licensing Program."
Anna Baluch
Written byAnna BaluchAuto and Home Insurance Writer
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Anna BaluchAuto and Home Insurance Writer
  • 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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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

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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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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