Cheapest Car Insurance Quotes in Kentucky
Progressive has the cheapest liability-only rates in Kentucky, averaging $61 per month.
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Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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Kentucky car insurance at a glance
Cheapest car insurance company in Kentucky: Progressive
Cheapest average car insurance rate in Kentucky: $61
Average monthly liability-only car insurance cost in KY: $121
Average monthly full-coverage car insurance cost in KY: $194
Cheapest car insurance quotes in Kentucky
Our Kentucky quotes reflect what a driver with a clean record and good-to-excellent credit typically pays. Using that profile, the three cheapest companies for liability-only car insurance in Kentucky are Progressive, Auto-Owners, and State Farm.
The table below ranks the 10 cheapest insurers for both liability-only and full-coverage insurance in Kentucky.
The below rates in Kentucky are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $61 | $104 |
| Auto-Owners | $75 | $126 |
| State Farm | $78 | $131 |
| National General | $80 | $138 |
| GEICO | $91 | $156 |
| Direct Auto | $92 | $144 |
| USAA | $96 | $161 |
| Allstate | $97 | $145 |
| Safeco | $98 | $138 |
| Root | $115 | $181 |
| State Auto | $115 | $193 |
| The General | $120 | $279 |
| Trexis | $125 | $218 |
| Travelers | $126 | $211 |
| Bristol West | $129 | $255 |
| Dairyland | $132 | $300 |
| Liberty Mutual | $132 | $202 |
| Trexis One | $152 | $286 |
| Shelter | $205 | $342 |
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.
Best-rated insurance companies in Kentucky
Auto-Owners, Progressive, Liberty Mutual, and State Farm are among the best-rated car insurance companies in Kentucky, based on Insurify’s analysis of actual customer reviews, state rate data, and third-party studies.
Best for full coverage: 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. | $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. | $126/mo |
4.3
Best choice in KentuckyBased on 361 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 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 Kentucky for
Showing recent national reviewsSee all 156 Auto-Owners reviews
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
Verified Review
Reviewed in Florida on July 30, 2026
Good. I never had to file a claim.
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
Auto-Owners sells full coverage through local independent agents, with extras like a common loss deductible that helps when Kentucky’s growing hailstorms damage a home and car at once.
Pros
One deductible if a storm hits your home and car together
Pays you back if your car’s worth drops after repairs
Can forgive your first at-fault accident
Cons
No online quotes
The best extras cost more to add on
Accident forgiveness takes 36 months claim-free to earn
Best for minimum coverage: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| 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. | $61/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. | $104/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
Showing 38 reviews from Kentucky driversSee all 9,038 Progressive reviews
Verified Review
Reviewed in Kentucky on September 3, 2026
It’s okay so far. Wow, my rate is going down.
Verified Review
Reviewed in Kentucky on August 26, 2026
Better rates and several coverage options we didn’t find with other companies.
Verified Review
Reviewed in Kentucky on August 16, 2026
I feel like I’m paying way too much for full coverage on a 2006 Corolla, a 2012 Corolla, and a 2015 GTI.
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
Progressive offers some of the cheapest liability-only rates to Kentucky drivers. Progressive lets drivers build and buy a state-minimum policy entirely online, using its coverage calculator and Name Your Price tool to match the required limits to your budget.
Pros
Quotes and policy changes handled fully online
Set your budget and it builds the policy to fit
Discounts like continuous insurance and paperless billing
Cons
Liability-only coverage won’t satisfy your lender if your car’s financed
Kentucky’s minimum requirements may leave you exposed in a serious crash
Below-average J.D. Power customer satisfaction rating in the Southeast
Best for savings: 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. | $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. | $131/mo |
4.1
Best choice in KentuckyBased on 20,921 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 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 Kentucky for
Showing 50 reviews from Kentucky driversSee all 8,079 State Farm reviews
Verified Review
Reviewed in Kentucky on September 6, 2026
Shop around—they always raise their rates after a year.
Verified Review
Reviewed in Kentucky on September 1, 2026
Check rates before you buy.
Verified Review
Reviewed in Kentucky on August 28, 2026
My auto insurance increased by over 100%, and I never missed a payment.
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
State Farm offers two savings programs for Kentucky drivers. Drive Safe & Save uses telematics to reward careful drivers, and Steer Clear helps young drivers lower costs.
Pros
Discount and coaching for teen and young adult drivers
More savings for bundling, an accident-free record, and good students
Above-average J.D. Power claims satisfaction rating
Cons
Savings programs require sharing driving data
Drive Safe & Save can increase rates
Steer Clear savings stop at age 25
Best for customer service: Liberty Mutual
| 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. | 8.4 /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. | $132/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. | $202/mo |
3.4
A solid option in KentuckyBased on 4,378 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in Kentucky for
Showing 7 reviews from Kentucky driversSee all 2,019 Liberty Mutual reviews
Verified Review
Reviewed in Kentucky on August 10, 2026
Very poor. I’ve contacted Liberty multiple times just to get a detailed copy of my auto policy. All I receive is an email stating what I pay, with no details at all.
Verified Review
Reviewed in Kentucky on July 12, 2026
They’re good, but I’m just paying too much!
Verified Review
Reviewed in Kentucky on July 10, 2026
We haven’t had to file any claims yet.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
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
Liberty Mutual ranked No. 3 for customer satisfaction in J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study. You can buy a policy online or through many of the local agents in Kentucky.
Pros
Can forgive an accident and reward safe driving
Plenty of discounts available
Top three for claims satisfaction in J.D. Power’s 2025 study
Cons
RightTrack safe driver savings mean sharing your data
Rates depend on how you buy a policy
Only collision claims qualify for diminishing deductible
We evaluated insurers operating in Kentucky using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Kentucky drivers, including traffic and urban congestion, road accidents, and the availability of local agents throughout the state.
How much is car insurance in Kentucky?
Full-coverage car insurance in Kentucky averages $194 per month, and liability-only coverage averages $121 per month. Both exceed the national averages of $187 per month for full coverage and $98 per month for liability insurance.
The state has one of the highest shares of uninsured motorists, at about 19%, which increases insurance costs for everyone.[1] Kentucky gives drivers the option to reject no-fault coverage, but that can raise premiums because it exposes them to more injury lawsuits.[2]
Find Cheap Car Insurance in Kentucky
Liability quotes start at $61/mo.
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4.7 out of 5 based on 17,014 reviews
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Average car insurance quotes in Kentucky cities
Car insurance costs vary widely across Kentucky. The table below shows average liability and full-coverage rates for various Kentucky cities.
The below rates in Kentucky are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Madisonville | $97 | $198 |
| Florence | $106 | $174 |
| Owensboro | $106 | $179 |
| Danville | $114 | $163 |
| Bowling Green | $115 | $187 |
| Richmond | $115 | $179 |
| Henderson | $116 | $190 |
| Elizabethtown | $118 | $187 |
| Paducah | $118 | $194 |
| Lexington | $121 | $190 |
| Louisville | $198 | $279 |
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.
The chart below compares the five Kentucky cities with the highest average car insurance costs.
The below rates in Kentucky are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Henderson | $116 | $190 |
| Elizabethtown | $118 | $187 |
| Paducah | $118 | $194 |
| Lexington | $121 | $190 |
| Louisville | $198 | $279 |
On-the-spot guidance from licensed insurance experts
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
)
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Why you should compare car insurance quotes in Kentucky
Finding the cheapest car insurance in Kentucky usually means comparing quotes. Rates for the same driver can vary by hundreds of dollars per month depending on the insurer and location.
Keep these points in mind for an accurate auto insurance quote:
Decide whether you want Kentucky’s 25/50/25 split coverages or its $60,000 combined single-limit option.[3]
Choose whether to keep or reject Kentucky’s no-fault personal injury protection (PIP).
Request the same coverage limits and deductible from each insurer.
Have your license, vehicle details, and driving history ready before you start.
Report your annual mileage and the ZIP code where you park the car.
Kentucky car insurance requirements
Kentucky requires liability limits common in nearly every state, plus personal injury protection (PIP) by default:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
$10,000 in personal injury protection (PIP)
Drivers can turn down PIP coverage or instead meet liability requirements with a $60,000 combined single limit. The state requires uninsured motorist coverage, but drivers may decline it in writing, according to the Kentucky Department of Insurance.
Expert Insight: How to purchase the right coverage for you
“Kentucky allows drivers to customize their minimum limits, which can help you save on your monthly premiums. But keep in mind that you may be on the hook for medical bills and repair bills if you get into an accident. It’s worth comparing full-coverage and liability-only rates to see if you can afford more coverage.”
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Britney BalkLicensed P&C Agent and Customer Service Supervisor
How to find the cheapest Kentucky car insurance
To find cheap auto insurance in Kentucky, compare quotes from several insurers, since rates vary widely for the same driver. Then, match coverage to your needs with these tips:
Ask about anti-theft device discounts, which Kentucky requires insurers to offer on comprehensive coverage.
Build your credit history since Kentucky drivers with poor credit pay about 43% more for full coverage, according to Insurify data.
Keep a clean record, since safe driving lowers your rate.
Consider liability-only coverage if your car is older or paid off.
Bundle your auto policy with home or renters insurance.
Raise your deductible if you can cover more out of pocket.
Shop for Cheap Kentucky Insurance
Full-coverage quotes start at $104/mo.
Excellent
4.7 out of 5 based on 17,014 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Affordable car insurance in Kentucky can depend on your driving history, from a single speeding ticket to a DUI or at-fault accident. The links below point to guidance for specific situations and coverage types.
Kentucky car insurance quotes by coverage
Kentucky Car Insurance With Bad Credit
Cheap Full-Coverage Car Insurance in Kentucky
Cheapest Liability Car Insurance in Kentucky
Kentucky car insurance guides
Average Car Insurance Cost in Kentucky
Best Car Insurance in Kentucky
Car Insurance Requirements in Kentucky
Cheap Car Insurance for Low-Income Drivers in Kentucky
How car insurance costs have changed in Kentucky
Kentucky’s average full-coverage rate dipped about 2% in 2025 to $2,142 annually, according to Insurify’s American Driver Report, but that relief may be short-lived. Insurify projects rates will rise about 8% in 2026 to $2,343 per year.
Insurers appear to be raising rates in states that were long below average, with Kentucky’s average car insurance rates shifting from $58 below the national average to $65 above it. Increased hail activity is another factor adding pressure through more costly comprehensive claims.
Average Kentucky Car Insurance Rates Over the Past Five Years
State Name | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kentucky | 1,693 | 1,708 | 1,727 | 1,729 | 1,705 | 1,704 | 1,707 | 1,727 | 1,715 | 1,715 | 1,700 | 1,702 | 1,702 | 1,712 | 1,725 | 1,730 | 1,724 | 1,729 | 1,745 | 1,757 | 1,762 | 1,780 | 1,799 | 1,849 | 1,847 | 1,847 | 1,842 | 1,853 | 1,940 | 1,950 | 1,969 | 1,960 | 2,041 | 2,108 | 2,197 | 2,205 | 2,242 | 2,275 | 2,205 | 2,213 | 2,178 | 2,145 | 2,141 | 2,149 | 2,159 | 2,158 | 2,161 | 2,149 | 2,151 | 2,121 | 2,116 | 2,137 | 2,153 | 2,182 | 2,203 | 2,237 | 2,257 | 2,272 | 2,293 | 2,311 | 2,325 |
| United States | 1,555 | 1,557 | 1,561 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,623 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,127 | 2,194 | 2,238 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,361 | 2,351 | 2,367 | 2,368 | 2,367 | 2,356 | 2,342 | 2,318 | 2,285 | 2,258 | 2,228 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 |
Kentucky car insurance FAQs
If you’re looking for cheap car insurance in Kentucky, here are some answers to common questions drivers have.
What is the cheapest car insurance policy in Kentucky?
The cheapest car insurance policy in Kentucky is liability-only coverage from Progressive, which averages $61 per month. Your actual rate depends on your policy options, credit history, vehicle, and driving record.
Is Kentucky Farm Bureau better than State Farm?
Kentucky Farm Bureau and State Farm both have a below-average number of complaints, according to the National Association of Insurance Commissioners. The better choice comes down to your rate and coverage needs, so compare quotes before deciding.
What is the minimum auto insurance in Kentucky?
Kentucky requires 25/50/25 minimum coverage or a $60,000 combined single-limit policy. Personal injury protection (PIP) and uninsured motorist (UM) are also required unless you opt out in writing.
Is Kentucky a no-fault state?
Yes, Kentucky is a choice no-fault state, which means your own PIP coverage pays your medical bills after a crash, no matter who caused it. The “choice” part means that the state allows drivers to reject that coverage in writing.
How much is full coverage in Kentucky?
Full-coverage car insurance in Kentucky averages about $194 per month. That’s more than the average of $121 per month for liability-only coverage, because full coverage includes collision and comprehensive coverage.
Sources
- Iii.org. "Facts + Statistics: Uninsured motorists."
- Kentucky Department of Insurance. "No-Fault Coverage Uncovered."
- 2nd Edition Kentucky Department of Insurance 03/2019. "Review Requirements Checklist."
Methodology
Insurify data scientists analyzed more than 250 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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Cheapest Auto Insurance in Elizabethtown, Kentucky
With monthly liability rates of $62, Progressive is the cheapest car insurance company in Elizabethtown.
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Cheapest Auto Insurance in Henderson, Kentucky
Progressive offers the cheapest car insurance in Henderson, with minimum-coverage policies as low as $62 per month.
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Cheap Car Insurance Quotes in Lexington, Kentucky (September 2026)
Progressive offers the cheapest car insurance in Lexington, with an average monthly premium of $63 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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Cheap Car Insurance Quotes in Louisville (September 2026)
Progressive offers the cheapest auto insurance in Louisville, averaging $97 per month for liability coverage. High crash and theft rates make Louisville car insurance more expensive than the national average.
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Best Cheap Auto Insurance in Owensboro, Kentucky
Progressive offers the cheapest liability rates in Owensboro at $58 per month.
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Cheapest Auto Insurance in Paducah, Kentucky
Progressive offers the cheapest liability coverage in Paducah, at $63 per month.
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Cheapest Auto Insurance in Richmond, Kentucky
Progressive has the cheapest liability insurance in Richmond, with a cost of $59 per month.
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