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Best car insurance in Kentucky for 2022

Updated Nov 15, 2022
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Based on Bankrate’s research, USAA and State Farm offer some of the best car insurance in Kentucky. Both carriers have high customer satisfaction scores and low average full coverage premiums. The average cost of full coverage car insurance in Kentucky is $2,177 per year, according to Bankrate’s study of quoted annual premiums.

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Best car insurance companies in Kentucky

To find the best car insurance companies in Kentucky, we started by analyzing average quoted premiums, obtained from Quadrant Information Services, from the largest insurance carriers by market share. We also took J.D. Power customer satisfaction scores into consideration, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P). We consolidated this information into our proprietary Bankrate Score. The Scores range from 0.0 to 5.0. The higher a company’s Bankrate Score, the higher that carrier ranked in each scoring category.

When shopping for the best car insurance, Kentucky drivers may want to get quotes from these companies:

Car insurance company Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score (Southeast region)
USAA* 5.0 $1,484 890/1,000
State Farm 4.7 $1,542 859/1,000
Geico 4.7 $1,567 843/1,000
Progressive 4.4 $2,310 828/1,000
Kentucky Farm Bureau Insurance 4.0 $1,827 866/1,000

*Not officially ranked by J.D. Power due to eligibility restrictions

 

USAA

USAA has a perfect 5.0 Bankrate Score and the lowest average full coverage premium on our list. USAA is also fiscally strong and carries an A++ (Superior) financial strength rating from AM Best, the highest level possible. Additionally, the company has the highest J.D. Power score, although USAA doesn’t qualify for official ranking due to its eligibility restrictions, as coverage is only available to current and retired military members, veterans and qualifying family members. If you do qualify for coverage, however, USAA may be a hard company to beat. The carrier offers affordable car insurance rates paired with highly-rated customer service.

Learn more: USAA Insurance review

State Farm

If you’re looking for cheap car insurance in Kentucky but don’t qualify for USAA, you might want to consider a quote from State Farm. The provider has the second-lowest average premium on our list and coverage is widely available. However, State Farm has a higher-than-average overall complaint index from the National Association of Insurance Commissioners (NAIC). The baseline score is 1.00, so State Farm’s score of 1.46 means that the NAIC receives more complaints than average about the carrier. However, the company is financially strong and carries an A++ (Superior) rating from AM Best.

Learn more: State Farm Insurance review

Geico

Geico’s average full coverage auto insurance premium is not the cheapest on our list, but it’s still well below the Kentucky average. The company is also known for its long list of discounts, including savings for federal employees, good students and vehicle safety features. It also carries an A++ (Superior) financial strength rating from AM Best. However,  Geico offers very few car insurance endorsements, so it may not be the best choice for drivers looking for a more customized policy.

Learn more: Geico Insurance review

Progressive

Progressive has the highest average full coverage premium on our list, but the carrier might still be worth a quote. This carrier offers plenty of discounts that could lower your premium, including savings for getting a quote and buying a policy online. The company also carries an A+ (Superior) financial strength rating from AM Best. Additionally, Progressive could be a good choice for drivers who enjoy digital tools. The Name Your Price tool could help you see what coverage options and levels fit within your budget, and you can also compare quotes from other providers right on Progressive’s website.

Learn more: Progressive Insurance review

Kentucky Farm Bureau Insurance

Kentucky Farm Bureau car insurance is only available to Farm Bureau members, but there are additional perks that come with membership. The company already has an average full coverage premium lower than the state’s average, but if you are a member you might also get discounts and rewards on a variety of goods and services. Its DriveRight Mobile safe driving app offers savings opportunities through usage-based telematics. The regional insurer also offers home, boat, farm and health insurance, so bundling discounts may be possible. Kentucky Farm Bureau is also financially strong and carries an A (Excellent) rating from AM Best.

Learn more: Farm Bureau Insurance review

Average car insurance cost in Kentucky

The average cost of Kentucky car insurance is $2,177 annually for full coverage. Kentucky drivers pay, on average, about $500 more for full coverage each year when compared to the national average, which is $1,655. You might pay less or more than the average Kentucky driver depending on several rating factors, such as your age and driving history.

Average annual premium for minimum coverage in Kentucky Average annual premium for full coverage in Kentucky
$719 $2,177

How to find the best car insurance in Kentucky

With the variety of car insurance companies available to Kentucky drivers, finding the best car insurance can seem like a daunting and time-consuming task. To make the process easier, there are steps you can take to help ensure you get the right coverage for your needs.

Consider minimum insurance requirements in Kentucky

Kentucky’s car insurance laws, like those in most states, require drivers to carry at least minimum limits of bodily injury liability coverage and property damage liability coverage. Kentucky is a no-fault state, but unlike most no-fault states, personal injury protection (PIP) can be declined. However, if you choose to decline PIP, your policy will still automatically include PIP coverage for any guests in your vehicle.

Consider lender requirements

In addition to having an insurance policy that meets or exceeds state minimum limits, you may also have additional requirements if you have a loan or lease on your car. You’ll likely have to carry full coverage, which includes coverage for your vehicle in the form of comprehensive coverage and collision coverage. You might also want to consider gap insurance, which could help pay for the difference between the current cash value of your vehicle and the loan amount, if your car is totaled or stolen, so you don’t have to pay the difference out of pocket.

Consider your individual needs

Each driver has unique car insurance needs that should be taken into consideration when shopping for a policy. For example, if you have a teen driver in your household, you might want to look for companies that offer lower average rates for teens as well as teen driver discounts. If you have a few accidents or tickets on your record, you might be considered a high-risk driver, and you might need to look for a company specifically geared toward your situation. Understanding your needs and shopping around could help you find the right company.

Car insurance discounts in Kentucky

Many car insurance companies offer discounts that could help you save on your car insurance. Some common car insurance discounts in Kentucky are:

  • Young driver discounts: Because young drivers pay some of the highest insurance premiums, looking for cheap car insurance for teens is a relatively common endeavor. You may be able to take advantage of good student discounts, driver training discounts and distant student discounts to lower your premium.
  • Safe driver discounts: If you have a clean driving record, you might get more affordable rates automatically. However, you might also qualify for some extra discounts, like claims-free savings. You could also consider a car insurance telematics program that tracks your driving behaviors and assigns you a personalized discount.
  • Other discounts: If you have a home, renters or condo policy in addition to your auto insurance, a bundling discount might be one of the biggest savings opportunities available to you. You can also take advantage of paperless discounts, automatic payment discounts or paid-in-full discounts to lower your premium.

Discount availability and eligibility varies by company. Talking with an agent or representative from your company is likely the best way to find out what savings opportunities are available to you.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Individual city rates represent 2021 data and a 2019 Toyota Camry.

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

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2020 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute