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Best car insurance in Kentucky for 2023

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

Updated Nov 29, 2023
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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 $2,124 for full coverage and $678 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
$1,572
$480
4.3
Rating: 4.3 stars out of 5
$1,610
$361
4.2
Rating: 4.2 stars out of 5
$1,455
$432
3.8
Rating: 3.8 stars out of 5
$3,431
$662
Kentucky Farm Bureau
3.8
Rating: 3.8 stars out of 5
$1,805
$389
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
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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.

Best for discount variety

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 828/1,000 AM Best: A++

Average annual premium

$ 1,572 for full coverage
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Why Geico made our list: Geico offers relatively low average rates for both full and minimum coverage. The company also received the highest financial strength rating that AM Best gives. Geico offers a standard array of auto insurance coverage options and many discounts. Potential savings are available for military membership, good drivers, good students, bundling and more.

Who Geico may be good for: Kentucky drivers who are interested in low average rates and extensive discount possibilities may find that Geico meets their insurance needs.

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 876/1,000 AM Best: A++

Average annual premium

$ 1,610 for full coverage
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Why USAA made our list: USAA has consistently scored well with J.D. Power in terms of customer satisfaction. The company's low average rates, high Bankrate score and functional digital tools secure its place as one of the best car insurance companies in Kentucky. However, eligibility is restricted to military members and their families.

Who USAA may be good for: USAA may be a good choice for shoppers interested in military-focused coverage options and excellent customer service.

Read full USAA Insurance review

Best for high-risk drivers

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 847/1,000 AM Best: A++

Average annual premium

$ 1,455 for full coverage
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Why State Farm made our list: State Farm is the largest private passenger auto insurer in the U.S. by market share. The carrier has a high rating from J.D. Power for customer satisfaction and has average rates that fall well below the state average. The company also tends to have below-average rates for high-risk drivers and earned the 2023 Bankrate Award for best company for high-risk drivers.

Who State Farm may be good for: Drivers, including those with high-risk incidents on their record, might consider State Farm for low rates and excellent customer service.

Read full State Farm Insurance review

Best for digital tools

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 832/1,000 AM Best: A+

Average annual premium

$ 3,431 for full coverage
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Why Allstate made our list: Allstate’s wide range of digital tools and robust options for rewards and discounts may help to offset its higher-than-average rates. Potential discounts are available for new cars, early signing and good students. Allstate also has a superior financial strength rating from AM Best. Drivers who value customer service may want to note that the company came in below-average in the J.D. Power customer satisfaction study and holds more complaints than expected with the NAIC.

Who Allstate may be good for: Allstate may be a good company for drivers looking for auto insurance with a strong focus on digital tools.

Read full Allstate Insurance review

Best for Kentucky-specific coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 857/1,000 AM Best: N/A

Average annual premium

$ 1,805 for full coverage
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Why the Kentucky Farm Bureau made our list: The Kentucky Farm Bureau offers relatively low average rates compared to the state and nation. On top of this, the company scored well on the J.D. Power report for customer satisfaction and received an excellent financial strength rating from AM Best. Out of the companies we reviewed, the Kentucky Farm Bureau is the best for Kentucky-specific coverage options. However, the carrier does not meet the robust digital tool quality of some other insurers on this list.

Who the Kentucky Farm Bureau may be good for: Kentucky Farm Bureau may be a good option for drivers looking for relatively low-cost coverage that has coverage tailored to the Kentucky area.

Read full Farm Bureau Insurance review

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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.

Bankrate logo

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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.
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Insurance Disclosure

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 car insurance companies available in Kentucky. 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 can start with these steps:

Related content:

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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 much is car insurance in Kentucky?

The average cost of car insurance in Kentucky is slightly more than the national average, at $2,124 for full coverage and $678 for minimum coverage annually, compared to the national average cost of car insurance of $2,014 for full coverage and $622 per year for minimum coverage. Kentucky drivers also pay more on average than those in neighboring states like Tennessee, where policies cost $1,429 for full coverage and $371 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.

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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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

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.

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46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Grace Kim
Insurance Contributor

Grace Kim has two years of experience in writing for finance and insurance domains such as Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She has spent most of her professional experience writing about finance and tech topics.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute