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Best car insurance in Kentucky for 2023

Updated Mar 13, 2023
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Best car insurance companies in Kentucky

The average annual cost of car insurance in Kentucky is $2,124 for full coverage and $678 for minimum coverage. To find the best car insurance companies in Kentucky, we started by analyzing average quoted premiums 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.

Average full coverage rates by company in Kentucky

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast)
843
/1,000
Average monthly full coverage premium
$131
Average annual full coverage premium
$1,572
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southeast)
886
/1,000
Average monthly full coverage premium
$134
Average annual full coverage premium
$1,610
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
855
/1,000
Average monthly full coverage premium
$121
Average annual full coverage premium
$1,455
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Southeast)
833
/1,000
Average monthly full coverage premium
$286
Average annual full coverage premium
$3,431
Kentucky Farm Bureau
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
J.D. Power score (Southeast)
860
/1,000
Average monthly full coverage premium
$150
Average annual full coverage premium
$1,805
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast)
843
/1,000
Average monthly minimum coverage premium
$40
Average annual minimum coverage premium
$480
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southeast)
886
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$361
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
855
/1,000
Average monthly minimum coverage premium
$36
Average annual minimum coverage premium
$432
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Southeast)
833
/1,000
Average monthly minimum coverage premium
$55
Average annual minimum coverage premium
$662
Kentucky Farm Bureau
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
J.D. Power score (Southeast)
860
/1,000
Average monthly minimum coverage premium
$32
Average annual minimum coverage premium
$389
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

Best for discount variety

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 843 AM Best: A++

Average annual premium

$ 1,572 for full coverage
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Why Geico made our list: Geico offers relatively low average rates for both full and minimum coverage. The company also received the highest financial strength rating that AM Best gives. Geico offers a standard array of auto insurance coverage options and many discounts. Potential savings are available for military membership, good drivers, good students, bundling and more. 

Who Geico may be good for: Drivers who are interested in low average rates and extensive discount possibilities may find that Geico meets their insurance needs.

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 886 AM Best: A++

Average annual premium

$ 1,610 for full coverage
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Why USAA made our list: USAA has consistently scored well with J.D. Power in terms of customer satisfaction. The company's low average rates, high Bankrate score and functional digital tools secure its place as one of the best car insurance companies in Kentucky. However, eligibility is restricted to military members and their families.

Who USAA may be good for: USAA may be a good choice for shoppers interested in military-focused coverage options and excellent customer service. 

Read full USAA Insurance review

Best for high-risk drivers

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 855 AM Best: A++

Average annual premium

$ 1,455 for full coverage
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Why State Farm made our list: State Farm is the largest private passenger auto insurer in the U.S. by market share. The carrier has a high rating from J.D. Power for customer satisfaction and has average rates that fall well below the state average. The company also tends to have below-average rates for high-risk drivers and earned the 2023 Bankrate Award for best company for high-risk drivers.

Who State Farm may be good for: Drivers, including those with high-risk incidents on their record, might consider State Farm for low rates and excellent customer service. 

Read full State Farm Insurance review

Best for digital tools

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 833 AM Best: A+

Average annual premium

$ 3,431 for full coverage
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Why Allstate made our list: Allstate’s wide range of digital tools and robust options for rewards and discounts may help to offset its higher-than-average rates. Potential discounts are available for new cars, early signing and good students. Allstate also has a superior financial strength rating from AM Best. Drivers who value customer service may want to note that the company came in below-average in the J.D. Power customer satisfaction study and holds more complaints than expected with the NAIC. 

Who Allstate may be good for: Allstate may be a good company for drivers looking for auto insurance with a strong focus on digital tools. 

Read full Allstate Insurance review

Best for Kentucky-specific coverage options

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 860 AM Best: N/A

Average annual premium

$ 1,805 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why the Kentucky Farm Bureau made our list: The Kentucky Farm Bureau offers relatively low average rates compared to the state and nation. On top of this, the company scored well on the J.D. Power report for customer satisfaction and received an excellent financial strength rating from AM Best. Out of the companies we reviewed, the Kentucky Farm Bureau is the best for Kentucky-specific coverage options. However, the carrier does not meet the robust digital tool quality of some other insurers on this list. 

Who the Kentucky Farm Bureau may be good for: Kentucky Farm Bureau may be a good option for drivers looking for relatively low-cost coverage that has coverage tailored to the Kentucky area.

Read full Farm Bureau Insurance review

How Bankrate chose the best car insurance companies in Kentucky

We incorporated and analyzed several variables to select the best car insurance companies in Kentucky. Our approach includes third-party ratings for financial strength and customer satisfaction, average rates from Quadrant Information Services, product availability and digital tools. Our team used these metrics to help determine a rating for each carrier on our five-point Bankrate Scoring scale. We hope that these scores will give shoppers a high-level overview of each carrier's value.

How much is car insurance in Kentucky?

The average cost of Kentucky car insurance is $2,124 annually for full coverage and $678 for minimum coverage. This is slightly more than the national average cost of car insurance, which sits at $2,014 and $622 per year for full and minimum coverage, respectively. 

Average Kentucky rates are also well above those of neighboring states. Tennessee drivers, on average, pay $1,429 for full coverage and $371 for minimum. In Indiana, average rates are $1,295 for full coverage and $327 for minimum coverage. This cost difference may be attributed, in part, to a higher instance of extreme weather, including tornadoes, in the Bluegrass State. You might pay less or more than the average Kentucky driver depending on several rating factors, such as your age, vehicle type and driving history.

Average annual premium for minimum coverage in Kentucky Average annual premium for full coverage in Kentucky
$678 $2,124

How to find the best car insurance in Kentucky

With the number of car insurance companies available, finding the best Kentucky auto insurance may seem like a daunting and time-consuming task. To make the process easier, you might consider these steps to narrow down the best company 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.

Frequently asked questions

Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute