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Cheapest car insurance in Kentucky for 2023

Based on Bankrate's analysis, State Farm and USAA offer some of the cheapest insurance for drivers in Kentucky

Updated Sep 22, 2023
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The cheapest car insurance companies in Kentucky

Bankrate’s insurance editorial team searched for the cheapest car insurance companies in Kentucky by obtaining average rate data from Quadrant Information Services. Kentucky drivers pay an average cost of $678 for minimum coverage and $2,124 for full coverage insurance. While price is often one of the most important factors for drivers looking for cheap coverage, other factors, like customer service and discount opportunities, can also play a role in choosing a car insurance policy. Based on our research, the companies writing the cheapest car insurance in Kentucky include USAA and State Farm.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Kentucky for minimum coverage

Kentucky law stipulates that you must have a certain minimum amount of coverage in order to drive legally. This coverage includes liability only, which covers the other car and its driver and passengers in an at-fault accident. It's worth noting that in some instances, minimum coverage may not be enough to pay all the costs if you are involved in a serious accident. Based on our research, USAA offers the lowest average rate for minimum coverage, followed by Westfield and Kentucky Farm Bureau.

Carrier Monthly min coverage premium Annual min coverage premium Savings vs state avg. for min coverage
$30
$361
- $317
$32
$381
- $297
Kentucky Farm Bureau
$32
$389
- $289
Motorists Insurance
$33
$398
- $280
$35
$419
- $259
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Minimum coverage requirements for Kentucky drivers

Kentucky car insurance laws require that drivers must carry at least a minimum amount of liability car insurance to drive legally. The mandatory minimum car insurance requirements in Kentucky are: 

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Kentucky car insurance companies must also offer each driver uninsured and underinsured motorist coverage, but these options can be declined in writing. Personal injury protection (PIP) must also be offered but can be declined. However, if you decline PIP, guest personal injury protection still applies to your policy. Kentucky is also a no-fault state

Driving without insurance can result in fines and license suspension, but it could also result in significant out-of-pocket expenses to cover unexpected accidents. But while you must carry at least the minimum car insurance required by the state in Kentucky, most insurance professionals recommend that you buy higher limits than the state minimums or even full coverage to get more financial protection. Remember, if you have a loan or lease on your vehicle, full coverage will likely be required. Without full coverage, you could be faced with significant expenses for damages to your car in an accident.

Cheapest car insurance in Kentucky for full coverage

Drivers who want more robust coverage than they can get with minimum insurance may want to consider a full coverage policy, which also includes collision and comprehensive insurance. These optional coverages pay for damages to your car after an accident or other vehicle mishap. For this type of insurance, we found State Farm to be offering the lowest average rates in Kentucky.

Carrier Monthly full coverage premium Annual full coverage premium Savings vs state avg. for full coverage
$121
$1,455
- $669
$131
$1,572
- $552
$134
$1,610
- $514
$140
$1,675
- $449
$141
$1,693
- $431
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Kentucky for drivers with prior incidents

Drivers with no infractions on their records are most likely to have no problems finding cheap auto insurance in Kentucky, depending on their circumstances. Insurers reward drivers who are least likely to file claims with preferable rates, and it pays to be a safe and careful driver. If you have an infraction or two on your record, however, you may still be able to find reasonably priced policies from some carriers.

Cheapest insurance companies for drivers in Kentucky with a speeding ticket: Kentucky Farm Bureau

You may see an increase in your car insurance rate if you have a speeding conviction on your driving record. Insurers generally offer their best rates to drivers who have clean driving records and a proven history of safe driving. Since speeding can increase the likelihood of an accident, your rate may go up with a speeding ticket conviction. If you have a speeding ticket conviction on your record, some of the best cheap Kentucky car insurance options include the following, with Kentucky Farm Bureau at the top of the list:

Company Avg annual min coverage premium Avg annual full coverage premium
Kentucky Farm Bureau $389 $1,805
Electric Insurance $449 $2,537
Motorists $453 $2,014
Westfield $457 $1,976
USAA $469 $2,080

Cheapest car insurance for drivers in Kentucky with an at-fault accident: Electric Insurance

Unless you have accident forgiveness as part of your car insurance policy, it's likely you'll pay more for car insurance after an at-fault accident. As far as your insurance company is concerned, if you have had an at-fault accident, you're riskier to insure, and your premium will typically reflect that. If you’re a driver with an at-fault accident on your record, you may be able to find the lowest rate for your specific needs by considering the companies that offer some of the cheapest car insurance in Kentucky for drivers with at-fault accidents on their records. The best cheap car insurance in Kentucky for those in this situation include Electric Insurance, which has the lowest average rates for those with an at-fault accident.

Company Avg annual min coverage premium Avg annual full coverage premium
Electric Insurance $432 $2,481
Motorists $514 $2,255
Westfield $525 $2,245
Kentucky Farm Bureau $536 $2,477
State Farm $552 $1,770

Cheapest car insurance in Kentucky for high-risk drivers: USAA

Every car insurance company has its own method for determining when someone is a high-risk driver. It may take multiple speeding tickets or at-fault accidents, or may be just a single ding on your license. The most serious high-risk infraction, however, is a DUI conviction. A single DUI conviction is generally enough to place you in the high-risk category, which will typically lead to an uptick in the cost of your car insurance premium. If you are considered a high-risk driver, the car insurance companies outlined below offer some of the cheapest average rates, but it’s worth noting that while these companies offer the cheapest average costs, that is not a guarantee that the companies listed below will extend insurance to high-risk drivers. USAA, which sells policies to military and veteran families, came in with the lowest rates in this category.

Company Avg. annual min coverage premium Avg. annual full coverage premium
USAA $617 $2,703
Geico $894 $2,770
Westfield $919 $3,814
Electric Insurance $927 $5,079
Kentucky Farm Bureau $973 $4,463
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Bankrate’s take: It is an unfortunate fact that not all companies will extend coverage to drivers who have a DUI on their license. State Farm, for example, will not write a policy for you if you have been convicted of a DUI. Why? Primarily because they are assuming that if you've gotten in trouble before for drinking while driving, you are likely to do so again. This, in turn, leads to an increased risk of costly accidents — and concurrently, an increase in expensive claims. If you are convicted of DUI, it may be a good idea to call your agent to find out if this is likely to impact you when it is time to renew, so that you can make plans to switch to another carrier if necessary.

Cheapest car insurance for young drivers in Kentucky

Age is a primary factor in determining your premium rate in most states. If you are looking for cheap car insurance in Kentucky and you are a young driver, you may be in for a challenge. This is especially true if you have any infractions on your license. The good news is that as you age out of your teens and into your 20s, your rate should drop significantly, as long as you maintain a good driving record.

Cheapest Kentucky car insurance for insuring a teen driver: Nationwide

Because they lack experience behind the wheel, teen drivers are generally considered a higher liability to insure, and insurance companies typically charge higher premiums to offset the risk of insuring them. In turn, teen drivers may have a harder time finding affordable car insurance in Kentucky. As they get older, gain more driving practice and exhibit safe driving habits, most drivers will see their rates drop accordingly. However, many companies offer discounts to teen drivers who are good students or who take defensive driving courses, which may help reduce the cost of their car insurance. The companies offering some of the cheapest average rates for teen drivers are outlined below:

Company Avg. annual min coverage premium Avg. annual full coverage premium
Nationwide $541 $1,271
Motorists $898 $3,791
Westfield $915 $3,637
Kentucky Farm Bureau $973 $3,983
State Farm $993 $3,003
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Bankrate’s take: Our data above is based on a 16-year-old covered by their parents' policy. As you can see, even the cheapest average rates are frequently higher than the state averages. Why is this the case? Statistics have shown that teens have a higher rate of accidents than any other age group. Auto accidents, in fact, are the leading cause of death for teens in the U.S. This may be largely due to their inexperience behind the wheel, or they may engage in risking behaviors, such as texting while driving. Because of the increased risk that they will file a claim, insurers charge more to compensate for the risk.

Cheapest Kentucky car insurance for teens with a ticket: Kentucky Farm Bureau

A teen who earns a ticket for speeding or any other moving violation will face state penalties, but they are also likely to see their insurance rate increase. The insurers below offer average rates based on an 18-year-old with their own policy and a ticket on their record.

Company Avg. annual min coverage premium Avg. annual full coverage premium
Kentucky Farm Bureau $1,066 $4,552
USAA $1,162 $4,783
State Farm $1,297 $4,086
Geico $1,602 $4,704
Westfield $1,781 $6,755

Cheapest Kentucky car insurance for teens with an at-fault accident: Kentucky Farm Bureau

Teens with an at-fault accident on their record are looking at higher average rates for their insurance, and may even find themselves placed in the high-risk category by their insurance company. Among the Kentucky insurers we reviewed, Kentucky Farm Bureau offered the lowest average rates for a teen who has been found at fault in an accident.

Company Avg. annual min coverage premium Avg. annual full coverage premium
Kentucky Farm Bureau $1,292 $5,510
USAA $1,305 $5,342
State Farm $1,466 $4,545
Westfield $1,681 $6,388
Electric Insurance $1,839 $8,481
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Bankrate’s take: One type of optional coverage that teens and their parents may want to consider adding to their policy is called accident forgiveness. This endorsement, or add-on, is not offered by all insurers, but it can be a money-saver when a teen is involved in an accident. If a driver is involved in an accident, they are likely to see an increase in their policy rate when they renew. Accident forgiveness, however, "forgives" you for one accident, even if you are at fault, so that your rate does not increase afterwards. Every insurer has their own rules for this add-on, and it may not apply to all accidents, but it can be worthwhile asking your agent if your carrier offers this benefit.

Cheapest Kentucky car insurance for young drivers with a DUI: USAA

The state of Kentucky takes DUIs seriously, as do insurers, so there may be multiple penalties involved if you are convicted of one. Young drivers, who already face higher premium rates, may see a significant increase in the cost of their policy after a DUI. The carriers who offer the cheapest options for young drivers convicted of a DUI in Kentucky include USAA, which only sells policies to military and veteran families, and Allstate.

Company Avg. annual min coverage premium Avg. annual full coverage premium
USAA $1,037 $4,326
Allstate $1,345 $6,657
Geico $1,369 $4,125
Westfield $1,707 $6,483
Progressive $1,865 $6,016

Cheapest car insurance rates by city in Kentucky

Your location is one of the factors insurers take into account when determining premiums. If you live in a large city, for example, the high level of traffic may mean a higher incidence of accidents — that's likely to increase your rate to account for the higher risk the insurer is assuming. Here are cheap rates in large cities, as well as cities that are known for cheap auto insurance in Kentucky.

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Bardstown $660 USAA $337
Corbin $754 USAA $346
Louisville $782 State Farm $390
Mount Washington $671 Westfield $343
Shepherdsville $681 Westfield $343
City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Princeton $497 Electric Insurance $284
Providence $503 Kentucky Farm Bureau $267
Marion $506 State Farm $367
Dixon $507 USAA $308
Slaughters $507 Kentucky Farm Bureau $267

Car insurance discounts in Kentucky

Almost every insurer offers at least a few discounts, and they are often easy to earn. Consider some of the following discounts available to Kentucky drivers. Ask your insurance agent if you are receiving all the discounts that you are entitled to when you purchase a policy, and review your policy annually in case you qualify for new ones.

  • Young driver discounts: There are several discounts that may be available to young drivers. Some insurers offer a discount if the young driver earns a "B" average or higher in high school or college, others will lower the rate if the teen driver attends college more than 100 miles from where the car is garaged.
  • Safe driver discounts: Drivers who take a defensive driving course may earn five percent or more off their premium. They may also see savings if they file no claims for a certain number of years, usually three to five.
  • Vehicle discounts: Common safety features such as airbags and anti-lock brakes may earn you some savings, as well as anti-theft devices and security systems that make it unlikely you'll be filing a claim for a stolen car.
  • Bundling discount: If you have more than one policy with a single company, you are likely to save money. Most commonly, this will mean homeowners and auto, but it could apply if you have a renters, life or another policy in addition to car insurance.
  • Professional discounts: You may earn a discount if you work in a profession such as teaching or as a first responder. Many insurers also offer generous discounts to members of the military and veterans.

Frequently asked questions

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carriers reviewed
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Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance