Cheapest Auto Insurance in Kentucky (2025)

National General has the cheapest liability coverage in Kentucky, with a quote of $96 per month.

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Cheapest recent car insurance quotes in Kentucky

Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $101/mo for full coverage in Kentucky.

*Quotes generated for Insurify users from Kentucky within the last 10 days. Last updated on June 26, 2025. 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 26, 2025. 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 June 26, 2025. 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 26, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

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The average cost of car insurance in Kentucky is $167 per month, which is higher than the national average of $151. 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.

Quick Facts
  • Kentucky drivers pay $127 per month for liability coverage and $206 for full-coverage insurance, on average.

  • National General, Progressive, and Auto-Owners are the cheapest car insurance companies in Kentucky.

  • Auto insurers in Kentucky can use your credit history when calculating your insurance premiums.

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.

Auto-Owners logo
State Farm logo
GEICO logo
Allstate logo
National General logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$118/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$123/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$146/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$178/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$126/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$129/mo*
Overall rating
3.9
Overall rating
4.1
Overall rating
4.0
Overall rating
3.9
Overall rating
3.4
Overall rating
3.3
Value for money
3.4/5
Value for money
3.8/5
Value for money
3.8/5
Value for money
3.6/5
Value for money
2.9/5
Value for money
3.3/5
Customer service
3.8/5
Customer service
4.1/5
Customer service
3.9/5
Customer service
3.8/5
Customer service
3.3/5
Customer service
3.4/5
Claims handling
3.9/5
Claims handling
4.1/5
Claims handling
4.1/5
Claims handling
3.9/5
Claims handling
3.2/5
Claims handling
3.5/5
Special highlight
AI-generated from 119 user reviews
Cheap rates
Special highlight
AI-generated from 6036 user reviews
Customer service
Special highlight
AI-generated from 6426 user reviews
Teen drivers
Special highlight
AI-generated from 3651 user reviews
Accident forgiveness
Special highlight
AI-generated from 278 user reviews
SR-22 insurance
Special highlight
AI-generated from 6907 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

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /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.
$100/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.
$136/mo
3.9
A solid optionBased on 200 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 (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
See all Auto-Owners reviews
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

User Reviews
4.1
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.
$104/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.
$141/mo
4.1
Best choiceBased on 11,238 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 (6,036)

Janelle

June 25, 2025

Verified Review

Why I left, found something $100 cheaper

You're overpaying.

James

June 24, 2025

Verified Review

Above Average

Fantastic but not cheap.

Kristin

June 24, 2025

Verified Review

The State is not always great on the Farm

I often feel like I’m doing all the work when it comes to filing a claim and working out details.
See all State Farm reviews
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

User Reviews
3.4
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.
$96/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
3.4
A solid optionBased on 584 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 (278)

Jared

June 16, 2025

Verified Review

Bloated = National General

Too expensive for such minimal coverage.

Donna

June 14, 2025

Verified Review

Started with a good price, now it's ridiculous!

They started out great with a good price, but then steadily increased every year. From $300 a year after several years, they now want $950 this year, so I am looking for a new company.

Angelic

June 2, 2025

Verified Review

Spendy

Nice people, just too expensive.
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 $96 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance quotes in Kentucky: National General

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.

National General offers the cheapest liability-only policies in Kentucky, at $96 per month.

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

The below rates are estimated rates current as of: Monday, June 16 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
National General$96
Progressive$98
Auto-Owners$100
State Farm$104
CSAA$110
Root$113
Direct Auto$114
Safeco$117
USAA$128
GEICO$128
Clearcover$146
Bristol West$150
Allstate$151
State Auto$153
Travelers$167
Dairyland$176
Liberty Mutual$198
The General$207
Nationwide$221
Shelter$271
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

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 Auto-Owners, with a rate of $136 per month.

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

The below rates are estimated rates current as of: Monday, June 16 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
Auto-Owners$136
State Farm$141
National General$156
Progressive$160
GEICO$164
Safeco$166
Direct Auto$170
CSAA$173
USAA$174
Root$199
Allstate$205
State Auto$208
Travelers$227
Clearcover$244
Liberty Mutual$289
Nationwide$301
Bristol West$307
The General$333
Dairyland$340
Shelter$369
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $65/mo for liability only and $101/mo for full coverage in Kentucky.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 26, 2025. 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 26, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 26, 2025. 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 26, 2025. Actual quotes 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $194 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance quotes for drivers with a speeding ticket: National General

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 $249 per month for full-coverage insurance and $153 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 are estimated rates current as of: Monday, June 16 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
Avg. Quotes With Clean Driving Record
sort ascsort desc
Avg. Quotes With Speeding Ticket
sort ascsort desc
National General$96$116
Progressive$98$119
Auto-Owners$100$123
State Farm$104$125
CSAA$110$135
Root$113$147
Direct Auto$114$139
Safeco$117$146
USAA$128$155
GEICO$128$155
Clearcover$146$183
Bristol West$150$184
Allstate$151$183
State Auto$153$188
Travelers$167$204
Dairyland$176$213
Liberty Mutual$198$247
The General$207$265
Nationwide$221$270
Shelter$271$344
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

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 National General, with a cost of $121 per month.

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

The below rates are estimated rates current as of: Monday, June 16 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
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Accident
sort ascsort desc
National General$96$121
Progressive$98$128
Auto-Owners$100$128
State Farm$104$131
CSAA$110$149
Root$113$148
Direct Auto$114$149
Safeco$117$157
USAA$128$163
GEICO$128$164
Clearcover$146$209
Bristol West$150$192
Allstate$151$192
State Auto$153$197
Travelers$167$214
Dairyland$176$224
Liberty Mutual$198$257
The General$207$274
Nationwide$221$284
Shelter$271$355
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: National General

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.

National General has the cheapest rates for Kentucky drivers with a past DUI, with a monthly liability rate of $148.

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

The below rates are estimated rates current as of: Monday, June 16 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
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
National General$96$148
Progressive$98$151
Auto-Owners$100$154
State Farm$104$160
CSAA$110$169
Root$113$174
Direct Auto$114$176
Safeco$117$187
USAA$128$197
GEICO$128$206
Clearcover$146$225
Bristol West$150$231
Allstate$151$233
State Auto$153$236
Travelers$167$257
Dairyland$176$271
Liberty Mutual$198$305
The General$207$319
Nationwide$221$340
Shelter$271$417
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: Progressive

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 Progressive, with a cost of $71 per month.

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

The below rates are estimated rates current as of: Monday, June 16 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 Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Progressive$71$116
National General$73$119
Auto-Owners$79$108
State Farm$80$109
CSAA$85$134
Direct Auto$89$132
Root$95$168
Safeco$100$142
USAA$102$139
GEICO$107$137
State Auto$116$158
Allstate$121$164
Bristol West$121$248
Clearcover$126$211
Travelers$130$177
Dairyland$142$274
Liberty Mutual$164$239
The General$165$265
Nationwide$165$224
Shelter$197$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Auto-Owners

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 Auto-Owners, with a liability rate of $179 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 are estimated rates current as of: Monday, June 16 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 Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$179$243
Progressive$181$295
CSAA$190$298
Root$193$340
State Farm$196$266
National General$196$319
Direct Auto$225$336
USAA$234$318
GEICO$238$305
Safeco$240$341
Clearcover$263$440
Bristol West$270$552
Dairyland$294$569
Allstate$295$401
Travelers$328$445
The General$354$570
Liberty Mutual$357$521
State Auto$368$500
Nationwide$425$579
Shelter$518$706
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance rates across Kentucky cities

Where you live tells insurers about the traffic patterns, weather events, and vehicle crime rates your vehicle is exposed to. As a result, car insurance companies take into account your city and even your ZIP code when setting your rates. Check out the table below for an idea of how much Kentucky residents pay for car insurance, based on their city.

Find Car Insurance in Kentucky

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Kentucky car insurance FAQs

Before you start shopping around for auto insurance, you should determine the right amount of coverage for your needs. The following information should help answer your remaining questions about finding cheap car insurance in Kentucky.

  • How much is car insurance in Kentucky?

    Kentucky drivers pay $127 per month for liability coverage and $206 for full-coverage insurance, on average. The overall cost of car insurance in the state is $167 per month, which exceeds the national average of $151. Ultimately, how much you pay for coverage depends on your driving record, credit history, ZIP code, age, and more.

  • Which company has the cheapest car insurance in Kentucky?

    With a monthly rate of $96 for liability insurance, National General is the cheapest car insurance company in Kentucky. Progressive and Auto-Owners also have cheap liability rates, at $98 and $100 per month, respectively.

    The best way to find cheap car insurance that meets your needs is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Kentucky?

    With a high Insurify Quality (IQ) Score of 9.3, an A++ (Superior) financial strength rating from AM Best, and quality coverage offerings, State Farm is the best car insurance company in Kentucky. On average, State Farm policyholders in Kentucky pay $104 for liability and $141 for full coverage. Other top insurers include Travelers, USAA, and Auto-Owners.

  • Why is Kentucky insurance so high?

    Weather-related events have significantly contributed to Kentucky’s high insurance costs. Kentucky and numerous Midwest states like Iowa and Ohio have experienced severe tornadic activity, and the state’s catastrophic floods over the past two years have further increased premium prices.

    Kentucky drivers may also face higher rates because of the state’s no-fault accident laws.

  • What are the minimum car insurance requirements in Kentucky?

    Kentucky drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $10,000 in personal injury protection.

Methodology

Insurify data scientists analyzed more than 90 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. Kentucky Transportation Cabinet. "Mandatory Insurance."
  2. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  3. Insurance Institute for Highway Safety. "Older drivers."
  4. Insurance Information Institute. "Auto insurance for teen drivers."
  5. Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ 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, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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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