Cheapest Auto Insurance in Elizabethtown, Kentucky (2026)
With monthly liability rates of $60, Progressive is the cheapest car insurance company in Elizabethtown.
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Emily Guy BirkenInsurance and Personal Finance Writer
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Getting car insurance in Elizabethtown, Kentucky, may cost more than you expect. The overall average cost of insurance in Elizabethtown is $148 per month, which is on par with the Kentucky state average of $155 but higher than the national average of $142.
Drivers in the Bluegrass State pay more than the national average in part because of the high number of uninsured motorists — nearly 14% of Kentucky drivers are uninsured.[1]
Here’s what you need to know about comparing car insurance rates and finding the cheapest policy in Elizabethtown for your needs.
Quick Facts
Elizabethtown drivers pay an average of $117 per month for liability coverage and $179 per month for full-coverage insurance.
Progressive, National General, and Auto-Owners are the cheapest car insurance companies in Elizabethtown.
Full-coverage policies in Elizabethtown cost an average of $1,404 per year.
3 of the cheapest car insurance companies in Elizabethtown
Since insurance companies use factors like gender, marital status, ZIP code, driving record, and credit history to set your premium prices, the cost of insurance varies between drivers. The level of coverage you choose also affects your rates.
Elizabethtown drivers may want to start their search with the insurers below. You can generally request a quote over the phone, by email, online, or by calling a local agent.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $124 | $74 | Optional coverages |
| State Farm | 9.3 | $130 | $77 | Customer satisfaction |
| National General | 7.0 | $125 | $73 | High-risk drivers |
Disclaimer: Table data sourced from real-time Elizabethtown car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elizabethtown may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for optional coverages: Auto-Owners
| 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. | $71/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. | $119/mo |
4.3
Best choice in Elizabethtown, KYBased on 339 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
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 Elizabethtown for
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
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.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
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.
650
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
Founded in 1916, Auto-Owners has been offering affordable policies and generous discounts to its customers for more than 100 years. The company works entirely through independent insurance agents, which means Kentucky drivers interested in Auto-Owners coverage will work with a professional to find the right level of coverage.
Auto-Owners has an array of optional coverages, including additional expense coverage that helps you pay for incidentals if your car is damaged in an accident, loan or lease gap coverage, diminished value coverage, and rental car coverage.
Pros
Many discounts
Offers at-fault accident forgiveness
Cons
Quotes not available online; must work with an agent
Lower mobile app rating than some other insurers
Best insurer for customer satisfaction: State Farm
| 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. | $74/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. | $123/mo |
4.0
Best choice in Elizabethtown, KYBased on 18,367 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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 Elizabethtown for
Showing 39 Kentucky reviews for Elizabethtown driversSee all 7,595 State Farm reviews
Verified Review
Reviewed in Kentucky on May 19, 2026
I have not been satisfied with the price of my insurance ever since I purchased my Tesla. The customer service from my agent is sometimes good, but at other times it's not too good. For example, when I removed a red Dodge pickup truck from my policy, the red Chevrolet truck on my best friend's completely separate policy was removed instead. I clearly stated the red Dodge pickup, and she repeated it back to me, yet still removed the wrong vehicle from the wrong policy altogether. This has happened another time when one of my three Toyota Priuses was removed from the policy despite giving the VIN number for a different vehicle to be removed. Also, the new billing system they are using is horrible.
Verified Review
Reviewed in Kentucky on May 17, 2026
Check around to see if there are other options. State Farm, once you start with them, will raise the price on every renewal.
Verified Review
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.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
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
As one of the largest auto insurance companies by market share, State Farm is a well-known insurer that drivers in the Bluegrass State might choose for affordable rates and a variety of discounts and coverages. State Farm is highly ranked for customer satisfaction in the Southeast region by J.D. Power, with a score higher than the regional average for 2023.
This insurer also relies on insurance agents, which means you must contact a local State Farm agent to purchase a policy — although you can start a quote online.
Pros
High J.D. Power customer satisfaction ratings for the insurance-shopping process
Plenty of discounts
Cons
Can’t get a policy online
Doesn’t offer gap insurance
Best insurer for high-risk drivers: National General
| User Reviews | 3.7 |
|---|---|
| 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. | $70/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. | $118/mo |
3.7
A solid option in Elizabethtown, KYBased on 1,295 verified driver reviews and ratings
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.7 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 3.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Elizabethtown for
Showing 4 Kentucky reviews for Elizabethtown drivers
Verified Review
Reviewed in Kentucky on March 14, 2026
The price is way too high for an almost 20-year-old car.
Verified Review
Reviewed in Kentucky on February 14, 2026
Be cautious about getting pulled over or being involved in an accident, and pay attention to the district or area in the city where you live. Redlining still exists.
Verified Review
Reviewed in Kentucky on September 19, 2025
They are one of the most inexpensive insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
602
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
For more than 100 years, National General has specialized in non-standard auto insurance for high-risk drivers. Insurance giant Allstate acquired National General in 2021, and the company now offers both standard and non-standard insurance, but it may still be a good option for Kentucky drivers with spotty records, a DUI, speeding tickets, or other traffic violations.
The insurer offers the opportunity to improve your rates by downloading DynamicDrive, a usage-based app that tracks your driving behavior and rewards safe driving. National General works through a network of local independent agents.
Pros
Offers insurance to drivers with a DUI
Up to $500 in emergency expenses, such as food and lodging, for a covered claim
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Policies not available online
How to get the cheapest car insurance in Elizabethtown
The cost of your insurance policy will depend on a number of different factors, including the type of vehicle you drive, your driving history, and which coverage options you choose. While these factors are generally under your control, insurance companies also use factors to set rates that are out of your control, like your age, marital status, gender, and ZIP code.
This means the best price for you may not be the cheapest option for another driver. To find the best car insurance policies at lower rates, follow these strategies:[2]
Bundle insurance products. The cheapest car insurance companies may also offer home, life, business, and umbrella insurance, in addition to other insurance products. Many will offer you money-saving discounts when you bundle all your insurance coverage through the same company.
Increase your deductible. Raising your deductible means paying lower premiums. Just be aware that you’ll need enough money to cover the higher deductible cost if you get into a car accident and need to file a claim for property damage.
Stay safe on the road. Not only is safe driving the best policy for keeping your insurance premiums low, but it also offers peace of mind.
Shop around. The same insurance coverage doesn’t cost the same amount from one insurer to the next. Getting auto insurance quotes from multiple companies can ensure you find the best coverage and savings for your situation.
Find Cheap Car Insurance in Elizabethtown
Liability rates start as low as $60 per month
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Cheapest liability-only car insurance in Elizabethtown: Progressive
Liability-only car insurance covers the cost to repair or replace another party’s vehicle and their associated medical bills if you’re at fault in an accident. It doesn’t pay for damage to your car or for your medical costs if you cause an accident.
The average cost of liability-only coverage in Elizabethtown is $117 per month.
To find cheap liability-only options, consider the following insurers:
The below rates in Elizabethtown, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $60 |
| National General | $70 |
| Auto-Owners | $71 |
| State Farm | $74 |
| Direct Auto | $82 |
| GEICO | $84 |
| Safeco | $86 |
| USAA | $91 |
| Root | $100 |
| Allstate | $108 |
| The General | $109 |
| Trexis | $110 |
| State Auto | $111 |
| Dairyland | $114 |
| Liberty Mutual | $118 |
| Bristol West | $120 |
| Travelers | $120 |
| Trexis One | $136 |
| Nationwide | $159 |
| Shelter | $194 |
Disclaimer: Table data sourced from real-time Elizabethtown car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elizabethtown may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Elizabethtown: National General
Drivers who want additional coverage on top of their liability policy may want to check out full-coverage car insurance. This kind of policy includes collision coverage, which pays for property damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for damage to your vehicle from things other than a collision, such as weather, vandalism, animal damage, or theft.
Elizabethtown drivers pay a monthly average of $179 for full-coverage insurance.
While full-coverage insurance isn’t required by law, your lender will probably require you to get this coverage if you finance or lease a car. To find an inexpensive full-coverage policy, consider one of these insurance companies:
The below rates in Elizabethtown, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $118 |
| Auto-Owners | $119 |
| Safeco | $120 |
| Progressive | $121 |
| Direct Auto | $123 |
| State Farm | $123 |
| CSAA | $133 |
| GEICO | $139 |
| USAA | $152 |
| Root | $153 |
| Liberty Mutual | $178 |
| Allstate | $181 |
| State Auto | $184 |
| Trexis | $187 |
| Travelers | $200 |
| Bristol West | $235 |
| The General | $243 |
| Dairyland | $245 |
| Trexis One | $249 |
| Nationwide | $264 |
| Shelter | $324 |
Disclaimer: Table data sourced from real-time Elizabethtown car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elizabethtown may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Elizabethtown, Kentucky drivers
Recent Elizabethtown, Kentucky car insurance prices for Chevrolet, Nissan, Toyota, and more.
*Quotes generated for Insurify users in and around Elizabethtown, Kentucky within the last 10 days. Last updated on June 1, 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Elizabethtown, Kentucky within the last 10 days. Last updated on June 1, 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
Kentucky is a choice no-fault state, so drivers are automatically in a no-fault system and purchase personal injury protection (PIP) coverage on top of their policy, unless they opt out.
No-fault insurance typically means the person responsible for causing an accident is the one whose insurance will pay for the damages. Additionally, Kentucky is a pure comparative fault state. This rule specifies that if multiple people share fault in an accident — even if one person is 99% at fault and the other is 1% at fault — either party can sue the other for damages.
Here are the minimum liability insurance requirements in Kentucky:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Kentucky drivers aren’t required to carry more than the above coverages, but making policy changes to increase coverage limits for bodily injury and property damage liability can help drivers and their families protect themselves.
You may also want to consider adding these types of insurance to your auto insurance policy:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage will pay for your damages if you’re in a collision with an uninsured driver.
Personal injury protection coverage
PIP insurance will pay for your medical costs after an accident, no matter who’s at fault. This may be especially important if you don’t have sufficient health insurance.
Collision coverage
Collision insurance pays for damages to your vehicle if you cause an accident.
Comprehensive coverage
If anything other than an accident damages your vehicle — such as weather, fire, or vandalism — comprehensive insurance will pay for the repairs.
Cheapest car insurance for drivers with an incident
Insurers consider incidents like speeding tickets, at-fault accidents, and DUIs to be negative marks on your driving record, which can make it more difficult to find affordable insurance. Knowledge of these kinds of incidents is one of the tools insurers use to set your premium rates since data has shown that drivers with an incident on their record are more likely to make a future insurance claim.
But even though drivers with an incident may pay more than people with a clean driving record, it’s still possible to find cheap insurance after a ticket, an accident, or a DUI. Consider calling a licensed representative from one of the following insurance companies to get a quote:
The below rates in Elizabethtown, KY, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Progressive | $60 | $76 | $80 | $75 |
| National General | $70 | $88 | $93 | $94 |
| Auto-Owners | $71 | $93 | $94 | $91 |
| State Farm | $74 | $94 | $98 | $100 |
| Direct Auto | $82 | $103 | $112 | $111 |
| GEICO | $84 | $111 | $111 | $113 |
| Safeco | $86 | $113 | $120 | $124 |
| USAA | $91 | $118 | $123 | $123 |
| Root | $100 | $120 | $126 | $135 |
| Trexis | $110 | $139 | $146 | $138 |
| Allstate | $108 | $141 | $145 | $146 |
| Dairyland | $114 | $142 | $151 | $154 |
| The General | $109 | $147 | $150 | $142 |
| State Auto | $111 | $148 | $152 | $144 |
| Liberty Mutual | $118 | $151 | $157 | $159 |
| Bristol West | $120 | $152 | $159 | $162 |
| Travelers | $120 | $156 | $162 | $162 |
| Trexis One | $136 | $172 | $180 | $171 |
| Nationwide | $159 | $207 | $215 | $215 |
| Shelter | $194 | $259 | $265 | $265 |
Disclaimer: Table data sourced from real-time Elizabethtown car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elizabethtown may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Young drivers pay the highest insurance rates, with premium costs going down around age 35. That’s partially because teen and young adult drivers have less experience behind the wheel, but younger drivers are also more likely to engage in risky behavior, like checking text messages while driving, compared to older drivers.
While rates generally go down after age 35 and continue trending downward, insurers may increase prices for senior drivers after age 70. Older drivers often have delayed reaction times compared to younger adults, and they may spend more money on insurance.
Here’s how much each age range pays per month for auto insurance in Elizabethtown, on average.
Age | Average Monthly Quote |
|---|---|
| Teens | $431 |
| 20s | $295 |
| 30s | $216 |
| 40s | $201 |
| 50s | $193 |
| 60s | $189 |
| 70s | $196 |
Disclaimer: Table data is based on real-time Elizabethtown quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Elizabethtown, KY
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Elizabethtown car insurance quotes by credit tier
Auto and home insurance companies in Kentucky are allowed to use your credit history to help set your premium rate. Such rating based on credit score can’t legally be the sole basis of the insurance company’s pricing, but people with poor credit scores generally have higher monthly premium rates than people with good or excellent credit.
The chart below shows average monthly quotes per credit tier in Elizabethtown:
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $207 |
| Good | $233 |
| Fair | $256 |
| Poor | $375 |
Elizabethtown car insurance FAQs
Check out the additional information below as you shop for car insurance coverage in Elizabethtown, Kentucky.
How much is car insurance in Elizabethtown?
Car insurance in Elizabethtown costs an average of $117 per month for liability coverage and $179 per month for full-coverage, according to Insurify data.
Which company has the cheapest car insurance in Elizabethtown?
Progressive has the cheapest car insurance in Elizabethtown, with monthly liability-only rates of $60. National General and Auto-Owners also have affordable coverage, with respective liability-only rates of $70 and $71 per month.
But the cheapest car insurance company for you will depend on multiple factors, including your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Elizabethtown?
State Farm is the best car insurance company in Elizabethtown. It has an IQ Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and affordable rates.
Other top insurers in the city include Auto-Owners and National General.
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "https://www.iii.org/article/how-can-i-save-money-auto-insurance."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
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
- 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.
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Progressive offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $59 per month.
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Cheap Car Insurance Quotes in Louisville (June 2026)
Progressive offers the cheapest auto insurance in Louisville, averaging $94 per month for liability coverage. High crash and theft rates make Louisville car insurance more expensive than the national average.
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Cheap Car Insurance Quotes in Lexington, Kentucky (June 2026)
Progressive offers the cheapest car insurance in Lexington, with an average monthly premium of $62 for liability insurance. Lexington car insurance rates are higher than in other Kentucky cities, partly because of its high fatal crash rate.
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Emily Guy BirkenInsurance and Personal Finance Writer
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Licensed property and casualty insurance agent
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Licensed auto and home insurance agent
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