Kentucky has one of the highest traffic fatality rates in the United States. But even if you practice safe driving, it is 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 is a good idea to review your Kentucky insurance plan to make sure you and your vehicle are both sufficiently covered.
The average cost of car insurance in Kentucky is $2,128 per year, according to Bankrate’s 2021 study of quoted annual premiums from Quadrant Information Services. 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 are 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|
|Kentucky Farm Bureau Insurance||$1,754||851/1,000|
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 $3,515, 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.
Learn more: Allstate insurance review
Kentucky Farm Bureau Insurance
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 is not spotless. Membership is required, but if you can qualify, you will benefit from discounts including accident-free, driver training and good student savings. Besides the car insurance perks, you will also have access to financial services and exclusive discounts.
State Farm is the largest car insurance provider in the U.S. and has the second-cheapest premiums in Kentucky for full car insurance. Younger drivers in the state, who typically pay more for car insurance can save on coverage by signing up for Steer Clear and downloading the app. Avoiding accidents and claims for three years and being open to the tips the app provides for safer driving can help new Kentucky drivers improve their skills while saving money on car insurance.
Learn more: State Farm insurance review
Progressive Insurance’s Kentucky premiums may be higher than many of the other carriers in the state, but there are opportunities to lower your rates by taking advantage of the discounts available. Bundling home or renters coverage with auto insurance and signing up for the Snapshot driver tracking program are a couple of ways to save the most.
Learn more: Progressive insurance review
USAA tops the list in customer satisfaction and is rated as #1 for the best car insurance companies in Kentucky. But USAA auto insurance is not available to everyone. Membership is reserved for active military, veterans, retired military and their families.
Learn more: USAA insurance review
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|
State minimum insurance requirements in Kentucky
- 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 are 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 is 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 will 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, this may warrant considering 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 are 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. To find the cheapest car insurance, Kentucky drivers could be eligible for, and benefit from, the following discounts:
- Multicar: Have a second family vehicle? Adding multiple vehicles to one policy could save you on your premiums.
- Safe driver: Higher-risk drivers pay higher premiums. As mentioned, DUIs are one of the top causes of fatalities in Kentucky. If you do not have any claims or accidents in the last three years, you could qualify for more competitive, or even discounted, rates.
- Bundling: If you rent or own a home, it may be beneficial to buy car and property insurance together. Doing so often saves you on insurance rates for both types of coverage.
- Driver training: Regardless of your current driving record, you could potentially qualify for lower premiums if you pass an approved driving safety course. These are typically conducted online and take around eight hours to complete.
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 are looking for and your driving history.
What information is needed in order to get car insurance in Kentucky?
To get car insurance, you will need personal and financial details about yourself and anyone else you plan to insure, as well as registration information for any vehicles you will need covered.
Does Kentucky require car insurance?
Bankrate utilizes Quadrant Information Services to analyze 2021 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.