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Best car insurance in Kentucky for 2024

Updated May 01, 2024
Based on a variety of factors, Geico, USAA, State Farm and Allstate are some of the best Kentucky auto insurance providers.
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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.

Best car insurance companies in Kentucky

The average annual cost of car insurance in Kentucky is $2,694 for full coverage and $774 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 using Quadrant Information Services to compile all data. 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.

Concluding our research, we found that Geico, USAA, State Farm, Allstate, and Kentucky Farm Bureau were the top car insurance carriers in the state, as shown in the below table.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,153
$628
4.2
Rating: 4.2 stars out of 5
$2,092
$502
4.3
Rating: 4.3 stars out of 5
$2,614
$668
3.9
Rating: 3.9 stars out of 5
$4,857
$990
Kentucky Farm Bureau
3.4
Rating: 3.4 stars out of 5
$932
$369

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$179/mo

Avg. full coverage premium

$2,153/yr

Customer satisfaction

828/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$174/mo

Avg. full coverage premium

$2,092/yr

Customer satisfaction

876/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$218/mo

Avg. full coverage premium

$2,614/yr

Customer satisfaction

847/1,000

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$405/mo

Avg. full coverage premium

$4,857/yr

Customer satisfaction

832/1,000

Kentucky Farm Bureau

Kentucky Farm Bureau

3.4

Rating: 3.4 stars out of 5

Avg. full coverage premium

$78/mo

Avg. full coverage premium

$932/yr

Customer satisfaction

857/1,000

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How Bankrate chose the best car insurance companies in Kentucky

To come up with our rankings of the best auto insurers in Kentucky, we analyzed a number of factors to influence our final five-point Bankrate Score for each provider. We used third-party ratings to gauge the financial strength and customer satisfaction of each company. We assessed average rates data from Quadrant Information Services and also considered variables like digital tools and product availability in the state to help Kentucky drivers find the best carriers in the state.

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Why you can trust Bankrate

Read our full methodology

To help Kentucky drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

How to find the best car insurance in Kentucky

There are dozens of Kentucky car insurance companies. Doing your research can help you discover which providers offer the best value, and have a good reputation in the industry and with customers. It can be challenging to do all the research on your own, so you may want to start with these steps:

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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.

How much is car insurance in Kentucky?

The average cost of car insurance in Kentucky is about equal to the national average, at $2,694 for full coverage and $774 for minimum coverage annually, compared to the national average cost of car insurance of $2,299 for full coverage and $637 per year for minimum coverage. Kentucky drivers also pay more on average than those in neighboring states like Tennessee, where policies cost $1,933 for full coverage and $468 for minimum coverage annually.

Some of the variations in policy pricing may come from the higher instances of extreme weather in Kentucky, like tornadoes. However, drivers may pay more or less than the average based on their age, driving history, vehicle type and ZIP code.

City Avg. annual full coverage premium Avg. savings vs. state average