We found that Geico offers the cheapest car insurance in Kentucky at $36 per month for minimum liability coverage and $132 per month for full-coverage
Discover if you are overpaying for car insurance below.
Updated:
Jul 1, 2024
Written by:
Daniel Robinson
Daniel Robinson
Writer
Edited by:
Rashawn Mitchner
Rashawn Mitchner
Senior Editor
Key Takeaways:
- Geico, State Farm, Travelers, USAA and Shelter Insurance are the cheapest car insurance providers for most drivers in Kentucky based on our rate data.
- Kentucky car insurance costs $2,522 per year on average for a full-coverage insurance policy, roughly 25% more expensive than the national yearly average of $2,008 according to our rate data estimates.
- Minimum liability auto insurance coverage costs $682 per year on average in Kentucky, about 8% more expensive than the national average of $627 per year.
Many of the companies that offer the cheapest car insurance in Kentucky are among the nation’s top providers. In this article, we at the MarketWatch Guides team provide cost estimates for drivers from different profiles and a list of recommended providers for car insurance in Kentucky.
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Learn more about our methodology and editorial guidelines.
Who Has The Cheapest Car Insurance in Kentucky?
Geico offers the cheapest car insurance in Kentucky. On average, you can expect the rates from the company to be $429 per year for minimum liability policies and $1,583 per year for full-coverage plans.
Best Car Insurance Rates In Kentucky
Rates for auto insurance vary based on several factors, so the cheapest rates for you will depend on your unique situation. Below, we’ve broken down the lowest rates for each category of coverage.
| Cheapest Car Insurance in Kentucky (by category) | Company | Average Monthly Premium |
| Minimum Liability Coverage | Geico | $36 |
| Full Coverage | Geico | $132 |
| Young Drivers | Geico | $442** |
| Seniors | Geico | $91*** |
| After A Speeding Ticket | Geico | $138* |
| After An Accident | State Farm | $175* |
| After A DUI | State Farm | $164* |
| Bad Credit | Geico | $170* |
**For 16-year-old drivers
***For 65-year-old drivers
Best Car Insurance Companies Kentucky
Through our research we’ve found that the five best car insurance companies in Kentucky are:
Click on any of our top providers listed to learn more about their offerings. Our average rates are based on the profile of an unmarried 35-year-old driving a 2022 Toyota Camry with a clean driving record and good credit (unless noted otherwise), as it’s representative of a large group of drivers unaffected by factors that raise rates.
We break down the cheapest large and midsize insurance companies in Kentucky below.
Cheapest Large Insurance Companies in Kentucky
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto.
Among large insurance companies, Geico, State Farm, Travelers, USAA and Progressive are the cheapest in Kentucky. In fact, you’ll find some of the lowest rates in the state with these providers:
Read more: Largest Car Insurance Companies
Cheapest Midsize Insurance Companies in Kentucky
J.D. Power defines midsize insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto.
Among midsize providers, we found that Shelter Insurance, Kentucky Farm Bureau and Auto Owners offer the cheapest rates for drivers in Kentucky. You can compare their average rates and our cost ratings below:
The rates you receive will vary widely depending on your driving profile. To give you a better idea of what you might pay for car insurance, we’ve broken down the cheapest companies by coverage level, age and driving record.
Cheapest Car Insurance Coverage in Kentucky
The level of coverage you choose has a major impact on how much you’ll pay for auto insurance. Quotes from providers typically include estimates for minimum liability and full-coverage car insurance.
In the sections below, we highlight Kentucky rate estimates from Quadrant Information Services for both coverage types.
Cheapest Liability Car Insurance Kentucky
Young drivers can pay significantly more for car insurance than older drivers. The tables below show the cheapest car insurance for young drivers in Kentucky, along with estimated monthly and annual costs.
Geico typically offers the cheapest liability car insurance in Kentucky at average rates of $36 per month or $429 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $36 | $429 |
| State Farm | $36 | $437 |
| Kentucky Farm Bureau | $37 | $448 |
| Travelers | $38 | $455 |
| Auto Owners | $46 | $547 |
| USAA* | $41 | $498 |
Cheapest Full-Coverage Car Insurance Kentucky
Geico offers the cheapest full-coverage car insurance in Kentucky, costing an average of $132 per month or $1,583 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $132 | $1,583 |
| Travelers | $146 | $1,748 |
| State Farm | $155 | $1,854 |
| Shelter Insurance | $155 | $1,856 |
| Auto Owners | $173 | $2,081 |
| USAA* | $165 | $1,985 |
Read more: Cheapest Full-Coverage Car Insurance
Cheapest Car Insurance for Young Drivers in Kentucky
Young drivers typically pay more for car insurance coverage than those with age on their side because they have less experience behind the wheel. In 2024, young Kentucky drivers can find the best rates with Geico, according to research done by the MarketWatch Guides team. The tables below show the cheapest full-coverage auto insurance providers and their respective prices for Kentucky drivers aged 16 through 25.
Cheapest Kentucky Car Insurance for 16-Year-Olds
Geico offers the cheapest rates for 16-year-old drivers in Kentucky at an average cost of $442 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $442 | $5,311 |
| Shelter Insurance | $462 | $5,553 |
| State Farm | $511 | $6,134 |
| Travelers | $517 | $6,207 |
| Auto Owners | $538 | $6,458 |
Read more: Cheap Car Insurance for 16-Year-Olds
Cheapest Kentucky Car Insurance for 17-Year-Olds
Geico tends to be the cheapest provider in Kentucky for 17-year-olds at an average cost of $240 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $240 | $2,881 |
| State Farm | $269 | $3,231 |
| Auto Owners | $339 | $4,078 |
| Shelter Insurance | $372 | $4,472 |
| Travelers | $388 | $4,664 |
| USAA* | $333 | $3,997 |
Note: Costs were taken from 2022 information.
Read more: Cheap Car Insurance for 17-Year-Olds
Cheapest Kentucky Car Insurance for 18-Year-Olds
Geico has the cheapest rates for 18-year-olds in the Bluegrass State at $231 per month, according to our research.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $231 | $2,782 |
| State Farm | $239 | $2,872 |
| Auto-Owners | $292 | $3,513 |
| Travelers | $330 | $3,962 |
| Shelter Insurance | $351 | $4,223 |
| USAA* | $285 | $3,429 |
Note: Costs were taken from 2022 information.
Read more: Cheap Car Insurance for 18-Year-Olds
Cheapest Kentucky Car Insurance for 19-Year-Olds
At a rate of $188 per month on average, Geico offers the lowest rates for 19-year-olds in Kentucky.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $188 | $2,257 |
| State Farm | $212 | $2,550 |
| Auto-Owners | $244 | $2,928 |
| Travelers | $268 | $3,221 |
| Progressive | $319 | $3,829 |
| USAA* | $205 | $2,463 |
Note: Costs were taken from 2022 information.
Read more: Cheap Car Insurance for 19-Year-Olds
Cheapest Kentucky Car Insurance for 21-Year-Olds
Geico offers the cheapest rates for 21-year-old drivers in the Bluegrass State at an average cost of $145 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $145 | $1,751 |
| State Farm | $166 | $1,998 |
| Auto-Owners | $190 | $2,290 |
| Travelers | $203 | $2,447 |
| Progressive | $227 | $2,726 |
| USAA* | $174 | $2,091 |
Note: Costs were taken from 2022 information.
Read more: Cheap Car Insurance for 21-Year-Olds
Cheapest Kentucky Car Insurance for 25-Year-Olds
At $155 per month, Travelers offers the cheapest rates on average for 25-year-old drivers in Kentucky.
| Company | Average Monthly Rate | Average Annual Rate |
| Travelers | $155 | $1,868 |
| Geico | $168 | $2,022 |
| State Farm | $183 | $2,196 |
| Shelter Insurance | $200 | $2,402 |
| Auto-Owners | $230 | $2,769 |
| USAA* | $193 | $2,320 |
Read more: Cheap Car Insurance for 25-Year-Olds
Cheapest Car Insurance in Kentucky for Seniors
Geico and State Farm offer the cheapest car insurance in Kentucky for 65- and 75-year-old drivers. Below we’ll break down costs for auto insurance in the state for seniors in these age groups.
Read more: Cheap Car Insurance for Seniors
Cheapest Kentucky Car Insurance for 65-Year-Olds
Geico is the cheapest provider in the Bluegrass State for 65-year-olds at average rates of $91 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $91 | $1,101 |
| State Farm | $95 | $1,140 |
| Travelers | $113 | $1,357 |
| Auto-Owners | $118 | $1,419 |
| Progressive | $135 | $1,626 |
| USAA* | $116 | $1,395 |
Note: Costs were taken from 2022 information.
Cheapest Kentucky Car Insurance for 75-Year-Olds
State Farm is the cheapest provider for 75-year-olds in Kentucky at an average rate of $107 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| State Farm | $107 | $1,286 |
| Geico | $112 | $1,349 |
| Travelers | $133 | $1,603 |
| Auto-Owners | $144 | $1,738 |
| Progressive | $166 | $1,997 |
| USAA* | $147 | $1,769 |
Note: Costs were taken from 2022 information.
Cheapest Car Insurance in Kentucky for High-Risk Drivers
Geico and State Farm are tied as the cheapest overall car insurance providers in Kentucky for those with bad driving records. If you have a poor credit score, Geico is your cheapest option. The sections below detail the average monthly and annual rates for drivers that fall into one of these categories.
Read more: Best High-Risk Auto Insurance
Cheapest Kentucky Car Insurance for Drivers With a Speeding Ticket
Geico typically offers the cheapest car insurance for drivers in Kentucky with a speeding ticket at an average rate of $138 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $138 | $1,666 |
| Shelter Insurance | $154 | $1,856 |
| State Farm | $164 | $1,968 |
| Travelers | $191 | $2,296 |
| Auto-Owners | $225 | $2,706 |
| USAA* | $210 | $2,520 |
Read more: Speeding Ticket Car Insurance
Cheapest Kentucky Car Insurance for Drivers With a Recent Accident
State Farm has the cheapest full coverage for Kentucky drivers who’ve been in a recent accident at a cost of $175 per month on average.
| Company | Average Monthly Rate | Average Annual Rate |
| State Farm | $175 | $2,105 |
| Shelter Insurance | $195 | $2,350 |
| Travelers | $205 | $2,460 |
| Geico | $213 | $2,557 |
| Auto-Owners | $229 | $2,751 |
Read more: What Is Accident Forgiveness Coverage?
Cheapest Kentucky Car Insurance for Drivers With a DUI
State Farm tends to offer the cheapest full coverage auto insurance for drivers in Kentucky with a DUI at an average cost of $164 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| State Farm | $164 | $1,968 |
| Travelers | $216 | $2,596 |
| Shelter Insurance | $224 | $2,689 |
| Progressive | $278 | $3,343 |
| Geico | $336 | $4,041 |
| USAA* | $269 | $3,237 |
Read more: DUI vs. DWI
Cheapest Kentucky Car Insurance for Drivers With Poor Credit
Geico has the cheapest full coverage for drivers with bad credit in the Bluegrass State at an average cost of $170 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $170 | $2,043 |
| Travelers | $280 | $3,365 |
| State Farm | $320 | $3,843 |
| Progressive | $374 | $4,497 |
| Shelter Insurance | $414 | $4,976 |
| USAA* | $342 | $4,105 |
Read more: Car Insurance for Bad Credit
Cheap Car Insurance Quotes Kentucky
The best way to find cheap car insurance in Kentucky, like in any state, is to compare multiple providers and look for deals or discounts in your area. We also recommend talking to a local insurance agent to learn more about how to save money on car insurance in your state.
Companies determine your rates based on set variables.
Here are some of the most significant factors insurance providers to determine premiums in Kentucky:
- Age
- Location
- The gender listed on your driver’s license
- Driving history
- Credit score
- Marital status
- The make, model, year and mileage of your vehicle
- The deductible you choose
Read more: Compare Car Insurance
Cheap Car Insurance Quotes In Kentucky By ZIP Code
Below, you can get personalized cheap car insurance quotes for your specific area in the Kentucky.
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Car Insurance Discounts in Kentucky
Highlighted below are some auto insurance discounts available from our top picks for the cheapest car insurance in Kentucky:
| Kentucky Car Insurance Discounts | Geico | State Farm | Travelers | USAA | Shelter Insurance |
| Multi-policy | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Multi-vehicle | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Safe driver | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Good Student | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Defensive driving | ✔️ | ✔️ | ✔️ | ✔️ | |
| Driver training | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| New vehicle | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Car safety equipment | ✔️ | ✔️ | ✔️ | ✔️ | |
| Loyalty | ✔️ | ✔️ | ✔️ | ✔️ | |
| Military | ✔️ | ✔️ | ✔️ |
Here’s more information on the standard types of discounts offered by the best car insurance companies:
- Multi-policy: Applies if you bundle two or more insurance policies with the same provider.
- Multi-vehicle: Insure multiple cars under the same policy or combine multiple car insurance policies.
- Military: Typically applies to both veterans and active-duty military members.
- Senior: Applies to policyholders who are 55 or older.
- Homeowners: Applies to those who own a home.
- Good student: Usually applies to both college and high school students under 25 who maintain a B average or better in their courses.
- Good driver: Applies to those maintaining a clean driving record (with no at-fault accidents, DUIs or traffic tickets in the last three years).
- Defensive driving: Applies if you take a qualifying defensive driving course.
- Driver training: Get a discount by taking a driver education training course.
- New car: Applies to drivers who purchased a car that’s no more than three years old.
- Safe car: Applies if your vehicle has safety features such as anti-theft technology.
- Paperless: Opt to receive your documents through email for a discount.
- Pay-in-full: Save by paying your car insurance premium in full up front.
Read more: Car Insurance Discounts
Best Cheap Car Insurance in Kentucky
The best car insurance rates in Kentucky are provided by Geico, State Farm, Travelers, USAA and Shelter Insurance. Below, we detail each company’s offerings, reputation, customer ratings and history.
#1 Geico: Best for Budget-Conscious Drivers
Cheapest Car Insurance Rate In Kentucky: $36 per month
Cheapest Coverage in Kentucky For: Poor credit, speeding ticket, 65-year-olds, young drivers, full coverage and minimum liability coverage.
Number of Discounts: 12
Geico Overview
Our research has shown that this auto insurance titan is well-known for good reason. Geico is the cheapest provider in Kentucky for many types of drivers, and it earned a 9.1 out of 10 for its reputation, availability, coverage, cost and customer experience in our nationwide review of the best car insurance companies.
Geico Insurance Cost and Coverage in Kentucky
Full-coverage car insurance from Geico costs about $1,583 per year or $132 per month in the Bluegrass State. At these costs, Geico is ultimately 37% cheaper than the state average of $2,522.
Besides offering standard auto insurance coverage, Geico has add-ons such as:
Top Geico Insurance Discounts in Kentucky
Below we detail the best discounts available with Geico in Kentucky:
- Seat belt use discount: If you and your passengers always wear a seat belt, you can save money.
- Daytime running lights discount: Cars or trucks equipped with daytime running lights as original equipment manufacturer (OEM) parts, you’re eligible for savings.
- Air bag discount: You can save up to 23% if your vehicle has airbags installed.
Keep reading: Geico Insurance Review
#2 State Farm: Best Customer Experience
Cheapest Car Insurance Rate In Kentucky: $36 per month
Cheapest Coverage in Kentucky For: DUI, recent accident and 75-year-olds
Number of Discounts: 16
State Farm Overview
State Farm is the cheapest provider in the state of Kentucky for multiple driver profiles. In our nationwide review of the top auto insurance companies, we rated State Farm 9.4 out of 10 for its reputation, availability, coverage, cost and customer experience.
State Farm Insurance Cost and Coverage in Kentucky
State Farm costs about $1,854 per year or $155 per month on average for full-coverage in the Bluegrass State. This is about 26% cheaper than the state average, according to our rate data.
The company offers the usual car insurance coverage options, but also add-ons including:
Top State Farm Insurance Discounts in Kentucky
Below we’ve compiled the top State Farm car insurance discounts for drivers in Kentucky:
- Drive Safe & Save™ discount: If you meet eligibility requirements and share certain driving information, you can enroll in this program for an initial 5% discount that may grow up to 30% based on how you drive.
- Steer Clear® safe driver discount: If you’ve successfully completed the company’s Steer Clear program and have no at-fault accidents or moving violations, then you can save.
- Passive restraint discount: Vehicles made in 1993 and on that come equipped with a passive restraint system qualify their drivers for savings.
Keep reading: State Farm Insurance Review
#3 Travelers: Best for Most Drivers
Cheapest Car Insurance Rate in Kentucky: $38 per month
Cheapest Coverage in Kentucky For: 25-year-olds
Number of Discounts: 12
Travelers Overview
For 25 year-old drivers in the Bluegrass State, there’s no cheaper option than Travelers. We also ranked the provider Best for Most Drivers in 2024. Travelers offers helpful discounts in Kentucky, such as multi-policy and multi-vehicle, earning the insurance provider a 9.8 out of 10 for its overall cost and discounts in our nationwide review.
Travelers Insurance Cost and Coverage in Kentucky
A full-coverage plan in Kentucky from Travelers costs on average $1,748 per year or $146 per month. This ultimately makes Travelers roughly 30% less expensive than the state average for Kentucky, which is $2,522 per year or $210 per month.
In addition to standard policies, Travelers offers several add-on car insurance coverages, including:
- Loan/lease gap
- Accident forgiveness
- New car replacement
Top Travelers Insurance Discounts in Kentucky
Below we discuss the car insurance discounts from Travelers for those in Kentucky:
- Early quote discount: If you get a quote before your current policy expires, you may be eligible for savings.
- Hybrid/electric car insurance discount: You can save if you own or lease a hybrid or electric car.
- Student away at school discount: If one of your dependents goes to school more than 100 miles away, you get a discount.
Keep reading: Travelers Insurance Review
#4 USAA: Best for Military Members
Cheapest Car Insurance Rate in Kentucky: $41 per month
Cheapest Coverage in Kentucky For: Military members and their families
Number of Discounts: 13
USAA Overview
USAA is one of the cheapest car insurance providers in the nation for military members and their families. Our team gave USAA a 9.2 out of 10 overall rating in our nationwide review for its coverage, cost and available discounts.
USAA Insurance Cost and Coverage in Kentucky
A full-coverage plan in Kentucky from USAA costs on average $165 per month or $1,985 per year. This ultimately makes USAA about 21% less expensive than the Bluegrass State average.
Besides standard policies, USAA also offers additional car insurance coverages, including:
- Classic car insurance
- Rideshare gap protection
- Motorcycle insurance
Top USAA Insurance Discounts in Kentucky
The list below discusses the auto insurance discounts from USAA:
- MyUSAA Legacy discount: For continuing to be loyal to USAA, you can earn up to 10% off.
- Military vehicle storage discount: If you’re garaging your vehicle on a military installation, you are eligible to save.
- Anti-theft device discount: If you have an anti-theft device installed in your vehicle, you can save money.
Keep reading: USAA Insurance Review
#5 Shelter Insurance
Cheapest Car Insurance Rate in Kentucky: $59 per month
Cheapest Coverage in Kentucky For: N/A
Number of Discounts: 17
Shelter Insurance Overview
While Shelter Insurance isn’t the absolute cheapest provider for any given demographic in Kentucky, it is regularly one of the cheaper options — especially for high-risk drivers in Kentucky. We rated Shelter Insurance 8.4 out of 10 overall for the provider’s outstanding overall costs and discounts in our nationwide review.
Shelter Insurance Cost and Coverage in Kentucky
Shelter Insurance offers a full-coverage plan in Kentucky for an average cost of $155 per month or $1,856 per year. This makes Shelter Insurance roughly 26% less expensive than the state average for Kentucky.
In addition to standard policies, Shelter Insurance offers a few optional add-ons, including:
- Gap insurance
- Accidental death coverage
- Loss of use benefits
Top Shelter Insurance Discounts in Kentucky
Below are some car insurance discounts from Shelter Insurance for those in the Bluegrass State:
- Prior carrier tenure: If you held car insurance for a long time before switching to Shelter Insurance, you may be able to save.
- Length of ownership discount: Based on the number of years you’ve owned your vehicle, you may be eligible for discounts.
- Passive restraint discount: Cars with factory-installed air bags allow you to save.
Average Car Insurance Cost In Kentucky
Our data shows that the average estimate for full coverage car insurance in Kentucky is $2,522 per year, or $210 per month. This is about 25% higher than the national average estimate of $2,008 per year.
The average estimate for minimum liability insurance in Kentucky is $682 per year, or $57 per month. This is about 8% higher than the national average estimate of $627 per year.
However, your rate will vary based on factors including your age and the city you live in. We’ll further break down how those factors impact your auto coverage costs below.
Read more: Average Cost of Car Insurance
Kentucky Car Insurance Cost by Age
Below you can compare average rates for Kentucky drivers between the ages of 16 and 55:
| Age | Average Monthly Rate | Average Annual Rate |
| 16 | $799 | $9,597 |
| 25 | $247 | $2,964 |
| 35 | $210 | $2,522 |
| 45 | $197 | $2,367 |
| 55 | $181 | $2,178 |
Kentucky Car Insurance Cost by City
Insurance rates differ from state to state, but they also vary within states depending on population and other risk factors. That’s why some Kentucky residents will pay different rates than their friends and family in neighboring counties. The table below shows the average estimated rates for the 25 most populous cities and towns in Kentucky.
| City In Kentucky | Average Monthly Cost | Average Annual Cost |
| Ashland | $133 | $1,594 |
| Bowling Green | $133 | $1,591 |
| Burlington | $133 | $1,591 |
| Covington | $135 | $1,621 |
| Danville | $136 | $1,633 |
| Elizabethtown | $140 | $1,677 |
| Erlanger | $128 | $1,533 |
| Florence | $126 | $1,511 |
| Frankfort | $137 | $1,642 |
| Georgetown | $133 | $1,600 |
| Henderson | $140 | $1,677 |
| Hopkinsville | $138 | $1,670 |
| Independence | $130 | $1,569 |
| Jeffersontown | $151 | $1,809 |
| Lexington | $134 | $1,613 |
| Louisville | $182 | $2,189 |
| Madisonville | $147 | $1,765 |
| Murray | $140 | $1,684 |
| Nicholasville | $133 | $1,595 |
| Owensboro | $126 | $1,515 |
| Paducah | $145 | $1,742 |
| Radcliff | $142 | $1,709 |
| Richmond | $128 | $1,539 |
| St. Matthews | $148 | $1,778 |
| Winchester | $135 | $1,622 |
Note: Costs were taken from 2022 information.
Kentucky Car Insurance Rates vs. Other States
According to our rate data, Kentucky is one of the most expensive states to get full coverage or minimum coverage car insurance policies. Below, you can compare average rates for each state:
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington, D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Read more: Car Insurance Rates by State
Kentucky Car Insurance Requirements
Kentucky is a choice no-fault state, meaning that drivers can accept or reject the no-fault system. The no-fault arrangement means you’ll work through your insurance company to handle injury claims no matter who is at fault. Personal injury protection (PIP) covers medical expenses and lost wages, though you can sue another driver’s company if your medical bills exceed $1,000.
On the other hand, you can reject PIP coverage and the no-fault system. If you do, you’re able to sue another driver if your medical bills are below $1,000, but other drivers are also able to sue you.
Minimum Car Insurance Kentucky
Kentucky law requires that all drivers meet the following state minimum coverage requirements:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage coverage: $25,000 per accident
- Personal injury protection: $10,000 per accident, unless rejected in writing
Kentucky Commercial Auto Insurance Requirements
Commercial vehicles in Kentucky have separate insurance requirements that may change based on who or what the vehicle is carrying.
For passenger vehicles:
- 1-7 people: 100/300/50
- 8 or more people: 100/600/50
For property and materials:
- Vehicles 18,000 pounds or less: 100/300/50
- Vehicles over 18,000 pounds: 100/600/50
- Carriers of petroleum or petroleum products under 10,000 pounds: 100/300/50
- Carriers of other hazardous materials: $1 million combined single limit (CSL)
Is It Illegal To Drive Without Car Insurance in Kentucky?
Yes, it’s illegal to drive without minimum liability car insurance in Kentucky. This coverage includes PIP of no less than $10,000. Alternatively, a policy with a single limit of $60,000 is acceptable to fulfill minimum liability car insurance limits, as long as it provides basic reparations benefits.
Penalties for driving without insurance vary by state, but can include fines, suspension of registration and jail time in Kentucky.
Factors That Affect Kentucky Car Insurance Costs
The rates you see in this article will most likely differ from the ones you receive. Insurers adjust their rates based on personalized factors about you and your automobile.
These are some of the most significant variables when it comes to your insurance rates:
- Age
- Marital status
- Driving record
- Gender listed on your license
- Credit score
- Location
Additional Kentucky Car Insurance Coverage
Many drivers opt for more than the minimum-liability coverage required by Kentucky law and choose to purchase full-coverage policies. Full coverage includes comprehensive and collision insurance in addition to the standard liability policies required by state law. Comprehensive and collision insurance are optional coverages that can help with damage to your vehicle or property in the event of an at-fault accident, environmental hazard, theft or vandalism.
Some other optional coverage choices that are available in Kentucky include:
- Underinsured/uninsured motorist coverage
- Medical payments (MedPay)
Cheap Auto Insurance in Kentucky: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Kentucky. We also looked at average cost of car insurance and coverage requirements in the Bluegrass State. We encourage you to reach out to several of the providers mentioned in this article for quotes. This way, you’ll find the cheapest coverage for your needs.
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Cheap Kentucky Car Insurance: FAQ
Below are frequently asked questions on the cheapest car insurance in Kentucky.
Based on our research, Geico provides both the cheapest liability car insurance and full-coverage rates in the state of Kentucky. You’ll find minimum coverage for $429 per year or $36 per month and full-coverage for $2,522 per year or $210 per month.
Kentucky drivers pay an average of $210 per month or $2,522 per year for full-coverage car insurance. This is slightly more expensive than the national average of $167 per month or $2,008 per year.
Car insurance in Kentucky can be relatively expensive due to the state’s no-fault system. No-fault states typically have more expensive auto insurance coverage on average.
Yes, Geico is available for Kentucky auto insurance. In fact, it’s one of the cheapest providers for many types of drivers in the state, including young drivers and those with speeding tickets or poor credit.
Full-coverage insurance in Kentucky commonly includes comprehensive coverage and collision insurance, which cover damage to your car from accidents and the environment. Full-coverage insurance also includes liability insurance and PIP coverage, unless you reject it.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Industry standing (20% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.
Related Resources
Cheapest Car Insurance in Kentucky
Cheap Car Insurance in Louisville, Ky.
Cheap Car Insurance in Lexington, Ky.
