Best Car Insurance in Kentucky 2020

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With more than three million drivers on the road, 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.

Here are a few tips to improve your Kentucky insurance shopping experience:

  • Compare quotes from several insurance providers to find the best price.
  • Make sure the coverage is the same across all policies for an easier comparison when you get quotes.
  • Find the right balance between the cost of your premium and deductible.
  • Ask if you can get a discount for paying for the full year up front.
  • Look at financial ratings to assess an insurance provider’s financial health – this gives you a good idea of how likely the provider will be able to pay out if you have to file a claim.

To help you more, we’ve found the best car insurance options in Kentucky.

The top 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.

USAA Farm Bureau Insurance – Tennessee Erie Insurance Alfa Insurance Geico
Rank #1 #2 #3 #4 #5
Overall Score 909/1,000 891/1,000 871/1,000 858/1,000 857/1,000

Alfa Insurance

Alfa Insurance is a smaller insurance company serving a dozen states. If you’re in search of a local company offering personal customer service, Alfa is a good choice.

Residents of certain states and those in the farming community will need to qualify for membership into the Alabama Farmers Federation. The cost of membership will be quickly be offset from dividends for being a member and savings on your vehicle insurance.

Erie

Several Erie car insurance discounts are unique. The insurance company will forgive your first fender-bender claim through Erie’s Accident Forgiveness Program. Additionally, every year you remain with Erie Insurance and don’t file a claim, the insurer will discount your deductible by $100, up to $500.

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.

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.

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 Cost of Car Insurance in Kentucky

The average cost of Kentucky car insurance is $2.385. But you might pay less or more depending on several factors such as your age and driving history. Check this list to see how your current rates compare:

Driver Average Annual Rate
Teenage drivers $8,495
Drivers with a speeding ticket Up to $2,455
State minimum coverage – liability only $975
After DUI $3,134

State minimum insurance requirements in Kentucky

In Kentucky, car insurance is mandatory and the state’s laws impose minimum insurance requirements. Bodily injury liability limits are $25,000 per person and $50,000 per accident and 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.

Car insurance discounts in Kentucky

If you need to save money on your Kentucky car insurance quote, there are several discounts that might be available to you.

If you’re a young driver, you could get a deal by keeping a B average or better in school, or by completing a driver training course. On the other hand, drivers over the age of 55 can also benefit from a discount for attending a course.

Drivers of all ages can save money by making sure their car is equipped with an anti-theft system, air bags, automatic seat belts and an anti-locking brake system.

Frequently asked questions

What is the cheapest car insurance in Kentucky?

According to CarInsurance.com, 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.

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.