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Best car insurance in Kentucky for 2024

Updated Mar 22, 2024
Based on a variety of factors, Geico, USAA, State Farm and Allstate are some of the best Kentucky auto insurance providers.
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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 $2,558 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
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,042
$615
4.2
Rating: 4.2 stars out of 5
$2,085
$505
4.3
Rating: 4.3 stars out of 5
$2,380
$621
3.9
Rating: 3.9 stars out of 5
$3,902
$755
Kentucky Farm Bureau
3.4
Rating: 3.4 stars out of 5
$956
$383

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$170/mo

Avg. full coverage premium

$2,042/yr

Customer satisfaction

828/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$174/mo

Avg. full coverage premium

$2,085/yr

Customer satisfaction

876/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$198/mo

Avg. full coverage premium

$2,380/yr

Customer satisfaction

847/1,000

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$325/mo

Avg. full coverage premium

$3,902/yr

Customer satisfaction

832/1,000

Kentucky Farm Bureau

Kentucky Farm Bureau

3.4

Rating: 3.4 stars out of 5

Avg. full coverage premium

$80/mo

Avg. full coverage premium

$956/yr

Customer satisfaction

857/1,000

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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.

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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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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.

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.

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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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 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.

City Avg. annual full coverage premium Avg. savings vs. state average

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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.

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Why we're asking
Methodology

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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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