Best car insurance in Kentucky for 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

There is no single company in Kentucky that offers the best car insurance for everyone. Because needs and driver profiles vary, the company that is right for you will be unique to your situation. For example, some drivers may prioritize customer service, while others may value digital tool access. Narrowing down a list of companies that meet your needs and comparing quotes from them may help you find the best car insurance company for you.

According to our research, USAA, Westfield and Kentucky Farm Bureau offer some of the cheapest car insurance in Kentucky for minimum coverage, while State Farm, USAA and Geico offer competitive average rates for full coverage. Keep in mind that rates vary based on a variety of factors, so these carriers might not be the cheapest for you. Shopping around and comparing car insurance quotes may be one of the best strategies to find the cheapest rates.

To get car insurance in Kentucky, most insurance professionals recommend starting by getting multiple quotes. You’ll need the names, drivers’ license numbers and dates of birth of every licensed driver in your household. You’ll also need, at minimum, each vehicle’s year, make and model, although a vehicle identification number (VIN) will usually lead to a more accurate quote. Having an idea of the coverage types and limits you’d like to purchase may speed up the quoting process, but you can also work with an agent to determine the appropriate coverage for you.