capitol building in frankfort, kentucky
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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
  • When looking at multiple Kentucky insurance quotes, make sure the coverage is the same across all policies for an easier comparison
  • 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

Best car insurance companies in Kentucky

J.D. Power’s ratings of cheap car insurance in Kentucky offer an insight into which of the state’s insurance providers will give you the best bang for your buck. These insurance providers are listed in order of customers’ satisfaction with the price given the level of coverage.

Farm Bureau Insurance – Tennessee USAA Erie Insurance Alfa Insurance NC Farm Bureau
Rank #1 #2 #3 #4 #5
Overall Satisfaction 5 stars 4 stars 4 stars 4 stars 4 stars
Policy Offerings 5 stars 5 stars 4 stars 3 stars 3 stars
Price 5 stars 4 stars 4 stars 4 stars 4 stars
Billing Process and Policy information 5 stars 5 stars 4 stars 4 stars 3 stars
Interaction 5 stars 4 stars 5 stars 4 stars 4 stars
Claims 5 stars 5 stars 5 stars 4 stars 4 stars

Finding the right cheap car insurance in Kentucky for you

Cheapest car insurance for drivers with speeding tickets: State Farm Mutual Auto

At $1,295, State Farm Mutual Auto is the cheapest car insurance option if you live in Kentucky and have received a speeding ticket in the past three years.

Cheapest car insurance for students: Geico

Geico gives Kentucky students the lowest car insurance rates, at just $1,949 for a 20-year-old.

Cheapest car insurance for people with low credit: State Farm Mutual Auto

Although Kentucky drivers with bad credit pay about 72% more for car insurance than those with good credit, State Farm can still provide a reasonable option. The average price is $2,222.

Cheapest car insurance for people with accidents: Geico

For Kentucky drivers who have had one at-fault accident that caused property damage or bodily injury, Geico will most likely be the least expensive insurance provider. However, if a driver has caused two or more accidents, State Farm Mutual Auto may be cheaper. It all depends on the individual’s driving history, so don’t hesitate to get quotes from multiple providers.

Cheapest car insurance for seniors: Progressive Direct

Progressive Direct offers the most reasonable Kentucky insurance quotes for seniors. A 65-year-old can expect to pay about $1,179 annually, while an 85-year-old will pay a bit more at $1,771.

Cheapest car insurance for teenage boys: Geico

Teenage boys are notoriously expensive to insure, so Kentucky parents will be glad to know that Geico provides the best rates for these young drivers at about $1,665.

Average car insurance cost in Kentucky

The average cost of Kentucky car insurance is $838.89, which is close to the median price across all states. 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 $2,013
Drivers with a ticket $2,089
State minimum coverage $745
High liability limits $1,752

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.

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.

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.

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, Kentucky car insurance plans must include bodily injury liability, property damage liability and basic reparations benefits.