Best car insurance in Kentucky for 2021

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Kentucky has one of the highest traffic fatality rates in the United States. But even if you practice safe driving, it’s entirely possible to find yourself in an accident in Kentucky for reasons out of your control. Rain and drunk drivers are both leading causes of car-related deaths in the state. Needless to say, it’s a good idea to review your Kentucky insurance plan to make sure you and your vehicle are both sufficiently covered.

To help you find the best car insurance options, compare quotes from several providers, get an idea of how much you should expect to pay and find the right balance between the cost of your premium and deductible.

Best car insurance companies in Kentucky

J.D. Power’s ratings offer an insight into the best car insurance in Kentucky when you’re looking for the best bang for your buck. These insurance providers are listed in order of customers’ satisfaction with the price given the level of coverage.

Provider Average annual full coverage premium J.D. Power customer satisfaction score
Allstate $3,515 846/1000
Geico $1,567 857/1000
Kentucky Farm Bureau Insurance $1,754 851/1000
USAA $1,466 909/1000

Allstate

Allstate received 846/1000 points by J.D. Power Score for customer satisfaction across claims processes and communication touch points. Although Kentucky drivers seem to pay a heftier price with an average annual full coverage cost of $2,128, Allstate offers a wide variety of discounts that can be applied to lower premiums. A few discounts include good student, drive safe, new car and teen driver discounts.

Geico

Geico has the best auto insurance in Kentucky when it comes to price. The nationwide insurance provider has a variety of discounts to help you save and they’re significant.

Having an accident-free history can save you 25 percent from the Good Driver discount. If you purchase a new vehicle, Geico will discount your insurance 15 percent. Have more than one car? Geico’s multi-car discount drops your car insurance bill 25 percent.

Kentucky Farm Bureau Insurance

Farm Bureau is #2 in customer ratings of the best car insurance in Kentucky. If you’re not in the military (or related to someone who is) to qualify for USAA car insurance, you can expect to find competitive auto insurance pricing and a variety of coverages. Farm Bureau is a good option for drivers with accidents and speeding tickets in their past — customer reviews are positive regarding premiums when your driving history isn’t spotless.

USAA

USAA tops the list in customer satisfaction and is rated as #1 for the best car insurance companies in Kentucky. But USAA auto insurance isn’t available to everyone. Membership is reserved for active military, veterans, retired military and their families.

Average car insurance cost in Kentucky

The average cost of Kentucky car insurance is $2,128 annually for full coverage. Kentucky drivers pay on average a little over $400 more than the national annual average of $1,738, but you might pay less or more than the average Kentucky driver depending on several rate factors, such as your age and driving history.

Average annual premium for minimum coverage in Kentucky Average annual premium for full coverage in Kentucky
$748 $2,128

State minimum insurance requirements in Kentucky

In Kentucky, car insurance is mandatory and the state’s laws impose minimum insurance requirements at:

  • Bodily injury liability limits are $25,000 per person and $50,000 per accident
  • Property damage liability must be at least $25,000.

Insurance policies must also include basic reparations benefits. The law allows a policy with a single limit of $60,000 instead.

Look for full coverage insurance premiums, even if you’re on a budget. Drivers make the mistake of thinking that obtaining the minimum requirements will help them save money. However, taking into consideration the out-of-pocket costs for no-fault accidents, it’s smarter to protect yourself from any potential accident.

How to get the best car insurance

With all of the different car insurance companies, finding the best car insurance can be a daunting and time-consuming task. To make the process easier, the best steps to take are to evaluate your needs and consider your geographic location’s factors.

  • Evaluate your needs: Evaluating your individual needs is important because your circumstances can determine what car insurance is best for you. For example, if you are about to buy a new car, you may want to look for car insurance companies that offer a new car discount. Additionally, if you have a home, you’ll want to look for insurance companies that offer bundling options.
  • Consider state factors: Kentucky receives about 48 inches of rain per year, which is more than the national average of 38. Because drivers in Kentucky face rainy and snowy weather conditions depending on the season, you may want to look at adding on roadside assistance and tire and wheel protection to your coverage.

Additionally, uninsured motorist coverage is a great way to protect you and your passengers from the event you’re involved in a no-fault accident with an uninsured driver.

Car insurance discounts in Kentucky

Many car insurance companies offer several discounts to help you save money on your annual premium.

Discount Allstate Geico Kentucky Farm Bureau Insurance USAA
Anti-lock brakes X X X
Anti-theft devices X X
Automatic payment/paperless billing X X
Defensive driving course X X X
Early signing X X
Full payment X
Good student X X X X
Green vehicle
Loyalty X
Low annual mileage X
Military X X X
Multiple policies X X X X
Multiple vehicles X X X
Occupational or organizations X X
Safe driver/accident free X X X X
Safety features X X

Frequently asked questions

What is the best car insurance in Kentucky?

Geico provides the cheapest car insurance in Kentucky for most drivers. Besides low premiums, Geico makes the list of best auto insurance in Kentucky in customer satisfaction. However, the best option for you will depend on what you’re looking for and your driving history.

What information is needed in order to get car insurance in Kentucky?

To get car insurance, you’ll need personal and financial details about yourself and anyone else you plan to insure, as well as registration information for any vehicles you’ll need covered.

Does Kentucky require car insurance?

Yes, car insurance companies in Kentucky must include bodily injury liability, property damage liability and basic reparations benefits.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 Kentuckys 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 coverages that meet each Kentucky’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.