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Best car insurance in Kentucky for 2024
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 $2,558 for full coverage and $771 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
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$2,042
|
$615
|
|
4.2
|
$2,085
|
$505
|
|
4.3
|
$2,380
|
$621
|
|
3.9
|
$3,902
|
$755
|
|
Kentucky Farm Bureau
|
3.4
|
$956
|
$383
|
Geico
4.4
4.4
Avg. full coverage premium
$170/mo
Avg. full coverage premium
$2,042/yr
Customer satisfaction
828/1,000
-
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
USAA
4.2
4.2
Avg. full coverage premium
$174/mo
Avg. full coverage premium
$2,085/yr
Customer satisfaction
876/1,000
-
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.
Read full USAA Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$198/mo
Avg. full coverage premium
$2,380/yr
Customer satisfaction
847/1,000
-
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 received high marks from J.D. Power in the 2023 U.S. Insurance Digital Experience Study, and boasts an impressive national network of agents over 19,000 strong.
Read full State Farm Insurance review
Allstate
3.9
3.9
Avg. full coverage premium
$325/mo
Avg. full coverage premium
$3,902/yr
Customer satisfaction
832/1,000
-
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.
Read full Allstate Insurance review
Kentucky Farm Bureau
3.4
3.4
Avg. full coverage premium
$80/mo
Avg. full coverage premium
$956/yr
Customer satisfaction
857/1,000
-
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.
Read full Farm Bureau Insurance review
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.
Why you can trust Bankrate
Read our full methodologyTo 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
How to find the best car insurance in Kentucky
There are dozens of Kentucky car insurance companies. 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 may want to start with these steps:
Related content:
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Answer a few questions to see personalized rates from top carriers in Kentucky
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 about equal to the national average, at $2,558 for full coverage and $771 for minimum coverage annually, compared to the national average cost of car insurance of $2,545 for full coverage and $741 per year for minimum coverage. Kentucky drivers also pay more on average than those in neighboring states like Tennessee, where policies cost $1,807 for full coverage and $459 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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Louisville | $2,650 | +4% |
Lockport | $2,505 | -2% |
Saint Catharine | $2,583 | +1% |
Cloverport | $2,603 | +2% |
Mc Quady | $2,559 | +0% |
Worthville | $2,556 | -0% |
Garrison | $2,458 | -4% |
Quincy | $2,528 | -1% |
Elliottville | $2,751 | +7% |
Salt Lick | $2,465 | -4% |
Brodhead | $2,686 | +5% |
Bloomfield | $2,595 | +1% |
Fisherville | $2,564 | +0% |
Pendleton | $2,484 | -3% |
Sulphur | $2,497 | -2% |
Guston | $2,514 | -2% |
Payneville | $2,655 | +4% |
Clifty | $2,428 | -5% |
Hickman | $2,472 | -3% |
Campbellsburg | $2,501 | -2% |
Bradfordsville | $2,596 | +1% |
Pine Knot | $2,857 | +11% |
Burkesville | $2,491 | -3% |
Greensburg | $2,544 | -1% |
Mount Sherman | $2,435 | -5% |
Upton | $2,559 | +0% |
Elk Horn | $2,547 | -0% |
Rhodelia | $2,539 | -1% |
Loretto | $2,697 | +5% |
Fairdale | $2,720 | +6% |
Garfield | $2,596 | +1% |
Muldraugh | $2,547 | -0% |
West Point | $2,389 | -7% |
Somerset | $2,707 | +6% |
Bronston | $2,546 | -0% |
Dunnville | $2,653 | +4% |
Fairfield | $2,646 | +3% |
Harrods Creek | $2,631 | +3% |
Battletown | $2,684 | +5% |
Custer | $2,567 | +0% |
Ekron | $2,585 | +1% |
Falls Of Rough | $2,557 | -0% |
Hardinsburg | $2,506 | -2% |
Hudson | $2,506 | -2% |
Irvington | $2,612 | +2% |
Shepherdsville | $2,492 | -3% |
Union Star | $2,593 | +1% |
Westview | $2,556 | -0% |
Mount Washington | $2,438 | -5% |
New Haven | $2,559 | +0% |
Clermont | $2,535 | -1% |
Harned | $2,480 | -3% |
Revelo | $2,813 | +9% |
Goshen | $2,510 | -2% |
Mackville | $2,550 | -0% |
Nerinx | $2,596 | +1% |
Prospect | $2,424 | -5% |
Taylorsville | $2,707 | +6% |
Turners Station | $2,519 | -2% |
Cub Run | $2,576 | +1% |
Knifley | $2,404 | -6% |
Leitchfield | $2,552 | -0% |
Pine Ridge | $3,111 | +20% |
Burna | $2,484 | -3% |
Clinton | $2,484 | -3% |
Breeding | $2,383 | -7% |
Whitley City | $2,874 | +12% |
Big Clifty | $2,453 | -4% |
Glens Fork | $2,410 | -6% |
Bonnieville | $2,556 | -0% |
Canmer | $2,557 | -0% |
Dubre | $2,576 | +1% |
Munfordville | $2,577 | +1% |
Jonesville | $2,486 | -3% |
Milford | $2,783 | +8% |
Marshes Siding | $2,832 | +10% |
Parkers Lake | $2,777 | +8% |
Stearns | $2,836 | +10% |
Milburn | $2,563 | +0% |
Glenview | $2,467 | -4% |
Lebanon | $2,710 | +6% |
Raywick | $2,610 | +2% |
Saint Mary | $2,874 | +12% |
Stephensport | $2,512 | -2% |
Eastwood | $2,597 | +2% |
Keavy | $2,913 | +13% |
London | $2,909 | +13% |
Williamsburg | $3,001 | +16% |
Olive Hill | $2,682 | +5% |
Gravel Switch | $2,587 | +1% |
Means | $2,767 | +8% |
Grand Rivers | $2,568 | +0% |
La Center | $2,523 | -1% |
Lowes | $2,609 | +2% |
Lovelaceville | $2,551 | -0% |
Wickliffe | $2,434 | -5% |
New Liberty | $2,548 | -0% |
Farmers | $2,749 | +7% |
Preston | $2,605 | +2% |
Orlando | $2,828 | +10% |
Russell Springs | $2,541 | -1% |
Buffalo | $2,432 | -5% |
Millwood | $2,528 | -1% |
Ledbetter | $2,553 | -0% |
New Castle | $2,508 | -2% |
Smithfield | $2,481 | -3% |
Willisburg | $2,688 | +5% |
Fort Knox | $2,571 | +1% |
Lebanon Junction | $2,565 | +0% |
Mc Daniels | $2,471 | -3% |
Hardyville | $2,546 | -0% |
Marrowbone | $2,557 | -0% |
Strunk | $2,846 | +11% |
Caneyville | $2,481 | -3% |
Magnolia | $2,577 | +1% |
Monticello | $2,501 | -2% |
Clarkson | $2,590 | +1% |
Summersville | $2,566 | +0% |
Ferguson | $2,721 | +6% |
Salem | $2,532 | -1% |
Smithland | $2,507 | -2% |
Drake | $2,243 | -13% |
Fairview | $2,525 | -1% |
Mount Eden | $2,637 | +3% |
Nazareth | $2,616 | +2% |
Pleasureville | $2,527 | -1% |
Port Royal | $2,517 | -2% |
Brooks | $2,500 | -2% |
Aberdeen | $2,421 | -6% |
Bedford | $2,578 | +1% |
Chaplin | $2,541 | -1% |
Eminence | $2,496 | -2% |
Olympia | $2,438 | -5% |
Bighill | $2,388 | -7% |
Mc Kinney | $2,666 | +4% |
Corbin | $2,937 | +14% |
East Bernstadt | $2,874 | +12% |
Lily | $2,804 | +9% |
Hustonville | $2,662 | +4% |
Foster | $2,577 | +1% |
Brooksville | $2,553 | -0% |
Stanford | $2,621 | +2% |
Waynesburg | $2,633 | +3% |
Rockholds | $2,960 | +15% |
Kenton | $2,359 | -8% |
Soldier | $2,769 | +8% |
Bardstown | $2,639 | +3% |
Washington | $2,497 | -2% |
Denton | $2,758 | +8% |
Bethlehem | $2,515 | -2% |
Coxs Creek | $2,562 | +0% |
Sanders | $2,672 | +4% |
Sparta | $2,561 | +0% |
Grayson | $2,608 | +2% |
Hitchins | $2,741 | +7% |
Masonic Home | $2,574 | +1% |
New Hope | $2,681 | +5% |
Springfield | $2,595 | +1% |
Boston | $2,549 | -0% |
Webster | $2,504 | -2% |
Minerva | $2,564 | +0% |
Mount Olivet | $2,527 | -1% |
Emerson | $2,517 | -2% |
Wheatcroft | $2,464 | -4% |
Burnside | $2,740 | +7% |
Warsaw | $2,491 | -3% |
Princeton | $2,537 | -1% |
Liberty | $2,678 | +5% |
Windsor | $2,558 | +0% |
Muses Mills | $2,554 | -0% |
Plummers Landing | $2,670 | +4% |
Graham | $2,464 | -4% |
Clay | $2,590 | +1% |
Dixon | $2,461 | -4% |
Providence | $2,461 | -4% |
Nancy | $2,582 | +1% |
Columbus | $2,429 | -5% |
Fulton | $2,523 | -1% |
Woodbury | $2,644 | +3% |
West Louisville | $2,210 | -15% |
Sullivan | $2,531 | -1% |
Yosemite | $2,549 | -0% |
Eubank | $2,613 | +2% |
Albany | $2,499 | -2% |
Cleaton | $2,415 | -6% |
Curdsville | $2,273 | -12% |
Fredonia | $2,558 | +0% |
Slaughters | $2,437 | -5% |
Mason | $2,485 | -3% |
Vanceburg | $2,474 | -3% |
Mount Vernon | $2,885 | +12% |
Baskett | $2,560 | +0% |
Barlow | $2,434 | -5% |
Carlisle | $2,494 | -3% |
Clearfield | $2,613 | +2% |
Moorefield | $2,478 | -3% |
Owenton | $2,619 | +2% |
Perry Park | $2,660 | +4% |
Science Hill | $2,626 | +3% |
Alpha | $2,553 | -0% |
Clay City | $2,827 | +10% |
Slade | $2,964 | +15% |
Stanton | $2,932 | +14% |
Ghent | $2,570 | +0% |
Poole | $2,485 | -3% |
Middleburg | $2,650 | +4% |
West Somerset | $2,667 | +4% |
Hampton | $2,523 | -1% |
Lynnville | $2,508 | -2% |
Marion | $2,634 | +3% |
Tiline | $2,465 | -4% |
Water Valley | $2,433 | -5% |
Milton | $2,568 | +0% |
Saint Francis | $2,688 | +5% |
Westport | $2,394 | -7% |
Brandenburg | $2,545 | -0% |
Siler | $2,992 | +16% |
Morehead | $2,594 | +1% |
Crab Orchard | $2,620 | +2% |
Sebree | $2,460 | -4% |
Bethelridge | $2,646 | +3% |
Tateville | $2,717 | +6% |
Livingston | $2,974 | +15% |
Crayne | $2,626 | +3% |
Kings Mountain | $2,648 | +3% |
Mitchellsburg | $2,522 | -1% |
Germantown | $2,563 | +0% |
Bryants Store | $2,995 | +16% |
Frakes | $2,977 | +15% |
Dycusburg | $2,631 | +3% |
Butler | $2,540 | -1% |
Elizaville | $2,666 | +4% |
Augusta | $2,581 | +1% |
Falmouth | $2,557 | -0% |
Glencoe | $2,526 | -1% |
De Mossville | $2,520 | -1% |
Carrollton | $2,631 | +3% |
Bandana | $2,484 | -3% |
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.