Cheap Full-Coverage Car Insurance in Kentucky (2026)
Kentucky drivers can find the cheapest full-coverage car insurance from Progressive, with rates of $103 per month.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Quick Facts
The average cost of full coverage in Kentucky is $2,313 per year.
Full-coverage car insurance in Kentucky is higher than the national average of $2,238.
Kentucky experiences an average of 20 tornadoes per year, along with other major weather risks such as hail, flooding, and wildfires, which may increase overall rates.
Cheapest full-coverage car insurance in Kentucky
The average cost of car insurance in Kentucky is $2,313 per year. Progressive offers the cheapest full-coverage car insurance in Kentucky, with rates that average $103 per month.
The following table shows the cheapest full-coverage auto insurance quotes in Kentucky.
The below rates in Kentucky are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $103 |
| Auto-Owners | $126 |
| State Farm | $131 |
| National General | $136 |
| Safeco | $136 |
| Direct Auto | $142 |
| Allstate | $143 |
| GEICO | $154 |
| USAA | $162 |
| CSAA | $165 |
| Root | $178 |
| State Auto | $194 |
| Liberty Mutual | $199 |
| Travelers | $212 |
| Trexis | $214 |
| Bristol West | $255 |
| The General | $276 |
| Trexis One | $284 |
| Dairyland | $298 |
| Shelter | $343 |
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.
How much is full-coverage insurance in Kentucky?
Full-coverage car insurance in Kentucky costs an average of $193 per month. This is slightly higher than the national average of $187 and higher than the averages in the neighboring states of Indiana and Tennessee.
Exposure to severe weather risks, including tornadoes, floods, and earthquakes, might help explain Kentucky’s higher full-coverage premiums.[1] Kentucky car insurance uses a choice no-fault system that requires additional personal injury protection (PIP) coverage, which may increase the cost of coverage.[2]
Find Cheap Full-Coverage Car Insurance
Full coverage in Kentucky starts as low as $103/mo.
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How to find cheap full-coverage car insurance in Kentucky
A full-coverage policy can be expensive in Kentucky, but you take steps to reduce your costs. To find the best car insurance company for your needs and to reduce your costs, consider the following:
Compare quotes from multiple companies. Contacting different Kentucky insurers to compare rates is a quick and easy way to save on premiums.
Raise your deductible. Increasing your deductible can help to reduce your monthly premiums. Just make sure you can afford the deductible should you have to make a claim.
Ask about insurance discounts. Many Kentucky insurance companies offer car insurance discounts for loyalty, good driving, installing anti-theft devices, and completing a driver’s education course.
Improve your credit score. In Kentucky, insurers can consider your credit history when determining your premiums. A good credit score may help you find lower rates. A history of poor credit may increase your premiums.
Maintain a clean driving record. Practicing safe driving and maintaining a clean driving record can result in lower rates. A record with speeding tickets, at-fault accidents, or a conviction for driving under the influence (DUI) can result in higher premiums.
Drive less. The more you drive, the greater your risk of an accident, which can raise your rates. Consider carpooling or using public transit to reduce your daily mileage.
Bundle your coverage. If you buy home, renters, or business insurance with your auto insurance, many companies offer sizable bundling discounts.
What full-coverage car insurance covers
Full-coverage car insurance isn’t a type of policy. Instead, it’s a combination of different types of insurance. In Kentucky, it includes minimum liability insurance plus collision and comprehensive coverage.
Liability coverage
If you cause an accident, your liability coverage will help cover the damage or injuries you cause to others. All Kentucky drivers must carry 25/50/25 in liability coverage.[3]
Collision coverage
Collision insurance helps pay to repair or replace your vehicle if you get in a crash, regardless of who’s at fault.
Comprehensive coverage
Comprehensive insurance covers repairs or replacement of your vehicle if something other than a collision damages it. For example, it can cover damage if a tree falls on your car during a tornado or if someone steals or vandalizes it.
In Kentucky, you can’t operate a vehicle without minimum insurance coverage. Kentucky law requires minimum liability limits of 25/50/25.
Bodily injury liability: You’ll need to have $25,000 per person and $50,000 per accident in bodily injury liability coverage. This helps pay for claims made against you if you cause a crash that results in the injury or death of another person.
Property damage liability: The state requires $25,000 in property damage liability coverage. This helps pay for damage you cause to another person’s property. For example, it can cover damage if you hit another vehicle and damage the bumper or if you run into a fence.
Personal injury protection (PIP): Kentucky requires all motor vehicles except motorcycles to carry basic PIP coverage, which provides up to $10,000 per person, per accident. This helps cover medical expenses, lost wages, and other out-of-pocket costs related to an injury.
Insurance professionals typically recommend buying more than the minimum liability limits to ensure you have enough protection. If you cause an accident that results in medical bills or property damage that exceeds your policy limits, you may have to pay the remaining costs out of pocket. Minimum coverage won’t pay for any damage to your car.[4]
Minimum vs. full-coverage car insurance in Kentucky
Kentucky law requires drivers to carry minimum car insurance coverage. Full coverage is optional, but your lender might require it if you lease or finance your vehicle.
While minimum coverage helps pay for injuries or property damage you cause in an accident, full coverage can pay for damage to your vehicle. Given Kentucky’s risk of natural disasters, including flooding, tornadoes, and earthquakes, you might consider a full-coverage policy to ensure you have the proper protection.
Here’s how full-coverage insurance compares to liability-only coverage in Kentucky.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Kentucky | $120 | $193 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers theft of your car? | No | Yes |
| Covers vandalism, theft, fire, flood, and animal collisions? | No | Yes |
| Required by Kentucky law? | Yes | No |
| Required by car loan/lease? | No (Required by state law) | Yes |
Disclaimer: Table data is based on real-time Kentucky quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Kentucky?
Whether full coverage is worth it can depend on several factors, including your car’s age and value, your risk tolerance, and whether you lease or finance your vehicle.
If you drive a new or valuable vehicle and don’t have enough savings to repair or replace it if a storm or collision damages it, a full-coverage policy may be worth it. Kentucky experiences an average of 20 tornadoes per year, according to the Kentucky Cabinet for Health and Family Services.
That, along with other major weather risks, such as hail, flooding, and wildfires, makes comprehensive coverage worth considering for additional protection.
Alternatively, if you drive an older vehicle you own outright, you might decide that a liability-only policy makes the most financial sense. You can speak to your insurance agent to see what’s best for your needs.
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Pros and cons of full-coverage car insurance in Kentucky
Pros
Covers damage from accidents and other covered events
Meets lender requirements if you lease or finance your vehicle
Protects against costly out-of-pocket expenses
Cons
More expensive than a minimum-coverage policy
You may have to pay collision and comprehensive deductibles
Might not be worth the cost for older vehicles
Full-coverage car insurance in Kentucky FAQs
Here’s more information about full-coverage car insurance in Kentucky.
What company has the cheapest full coverage in Kentucky?
Progressive offers the cheapest full-coverage rates in Kentucky, at around $103 per month.
Is Kentucky Farm Bureau better than State Farm?
Whether Kentucky Farm Bureau is better than State Farm depends on your insurance needs and preferences.
Kentucky Farm Bureau may be a better fit if you value a regional insurer with local agents throughout the state. The company has agents in all 120 Kentucky counties. State Farm may be a good choice if you prefer a large national insurer that offers access to local agents in communities across Kentucky.
Is Kentucky a no-fault state?
Kentucky is a “choice” no-fault state. Drivers generally have personal injury protection coverage, which covers costs after an accident. It’s a “choice” state because drivers can opt out of PIP coverage. Doing so means giving up basic PIP benefits in exchange for fewer restrictions on their right to sue an at-fault driver.
What company has the cheapest car insurance in Kentucky after a speeding ticket?
Progressive offers the cheapest car insurance to Kentucky drivers with a speeding ticket, with policies averaging $77 per month for liability-only coverage.
Sources
- Kentucky Emergency Management Division (KYEM). "Tornado Preparedness and Safety."
- Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Commonwealth of Kentucky. "Mandatory Insurance."
- Kentucky Department of Insurance. "Auto & Home Insurance Guide."
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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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in