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Best Cheapest Car Insurance Kentucky 2022 – Car Insurance

Best Cheapest Car Insurance Kentucky 2022

The average cost of full coverage car insurance in the Bluegrass State is $1,779 per year Best Cheapest Car Insurance Kentucky 2022, Great auto coverage doesn’t have to cost a fortune. Many of the companies that offer the cheapest car insurance in Kentucky are among the nation’s top providers.
We at the Home Media reviews team were able to find average full coverage estimates as low as $1,127 per year, or $94 per month. The table below shows the providers that offer the cheapest full coverage estimates in Kentucky.
Geico $94 $1,127
State Farm $106 $1,267
USAA $117 $1,409
Auto-Owners Insurance $123 $1,481
Progressive $135 $1,621
Travelers $135 $1,619
Kentucky Farm Bureau $172 $2,059
Shelter Insurance $169 $2,029

 

Cheapest car insurance in Kentucky

*These rate estimates are based on the profile of a 35-year-old driver with a clean driving history and good credit.

Our team took an in-depth look at the country’s best car insurance companies, reviewing average costs, coverage, reputation and customer reviews. We’ve focused our research on the best providers for Kentucky drivers in particular. Here’s what we learned.

132 COMPANIES RESEARCHED, 1,600 HOURS RESEARCHED, 4,336 DATA POINTS, 1,000 CONSUMERS SURVEYED,  10M RATES REVIEWED,

How Much Is Car Insurance in Kentucky?

Our data shows that the average estimate for full coverage car insurance in Kentucky is $1,779 per year or $148 per month. This is just 3% higher than the national average estimate of $1,730 per year.

U.S. map showing the average annual cost of car insurance in each state

The average estimate for minimum liability insurance in Kentucky is $651 per year or $54 per month. This is about 3% higher than the national average estimate of $635 per year. The following table shows the providers that offer the cheapest average estimates on minimum liability coverage in Kentucky.

Cheapest Liability Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
State Farm $32 $381
Geico $33 $395
USAA $33 $395
Kentucky Farm Bureau $38 $455
Auto-Owners Insurance $43 $510
Travelers $50 $596
Allstate $75 $902
Progressive $78 $936

Factors That Affect 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.

Factors that affect car insurance rates

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

Cost of Kentucky Car Insurance 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 Estimated Monthly Cost Estimated Annual Cost
Richmond $112 $1,347
Owensboro $114 $1,363
Nicholasville $115 $1,384
Florence $119 $1,434
Bowling Green $120 $1,434
Winchester $120 $1,436
Ashland $120 $1,442
St. Matthews $120 $1,445
Burlington $121 $1,455
Frankfort $121 $1,456
Danville $122 $1,466
Jeffersontown $123 $1,479
Erlanger $124 $1,482
Lexington $124 $1,485
Georgetown $125 $1,500
Independence $127 $1,528
Hopkinsville $128 $1,531
Henderson $130 $1,564
Covington $131 $1,568
Radcliff $131 $1,572
Elizabethtown $131 $1,573
Paducah $135 $1,620
Murray $140 $1,676
Madisonville $143 $1,714
Louisville $166 $1,993

 

Cost of Kentucky Car Insurance by Age

Age is a critical factor in how much you pay for your premiums. Middle-aged drivers often have access to the cheapest car insurance in Kentucky, while younger drivers and especially teens typically pay the highest rates. In the following table, you’ll find the average full coverage rates for drivers of different ages.

Age Estimated Monthly Cost Estimated Annual Cost
16 $553 $6,638
17 $472 $5,659
18 $411 $4,936
19 $311 $3,733
21 $234 $2,802
25 $175 $2,097
30 $159 $1,906
40 $149 $1,791
50 $137 $1,646
55 $134 $1,610
65 $142 $1,703
75 $168 $2,018

Cheapest Kentucky Car Insurance for 16-Year-Olds

Geico tends to offer the cheapest car insurance in Kentucky for 16-year-old drivers at an average estimate of $2,969 per year, or $247 per month. The average estimated rate for 16-year-old Kentucky drivers is $6,638 per year, or $553 per month.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $247 $2,969
State Farm $302 $3,618
Auto-Owners Insurance $379 $4,551
Shelter Insurance $394 $4,733
Kentucky Farm Bureau $434 $5,213

Cheapest Kentucky Car Insurance for 17-Year-Olds

For 17-year-old drivers in Kentucky, Geico typically offers the cheapest rates at an estimated $2,881 per year or $240 per month. The average estimated rate for a 17-year-old Kentucky driver is $5,659 per year or $472 per month.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $240 $2,881
State Farm $269 $3,231
USAA $333 $3,997
Auto-Owners Insurance $340 $4,079
Shelter Insurance $373 $4,472

Cheapest Kentucky Car Insurance for 18-Year-Olds

Geico typically offers the lowest prices on car insurance for 18-year-olds in Kentucky with an average estimate of $2,783 per year, or $232 per month. The average estimate for 18-year-old Kentucky drivers is $4,936 per year or $411 per month.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $232 $2,783
State Farm $239 $2,873
USAA $286 $3,429
Auto-Owners Insurance $293 $3,514
Travelers $330 $3,962

Cheapest Kentucky Car Insurance for 21-Year-Olds

When it comes to 21-year-old drivers in Kentucky, Geico tends to offer the lowest rates on car insurance at an estimated $1,751 per year, or $146 per month. The average estimate for 21-year-old Kentucky drivers is $2,802 per year or $234 per month.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $146 $1,751
State Farm $167 $1,999
USAA $174 $2,091
Auto-Owners Insurance $191 $2,290
Travelers $204 $2,448

Cheapest Kentucky Car Insurance for 25-Year-Olds

Geico also tends to offer the cheapest car insurance rates in Kentucky for 25-year-old drivers at an estimated $1,239 per year, or $103 per month for full coverage. The average estimate for 25-year-olds in the Bluegrass State is $2,097 per year or $175 per month.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $103 $1,239
State Farm $120 $1,445
USAA $140 $1,682
Travelers $144 $1,729
Auto-Owners Insurance $147 $1,759

Cost of Kentucky Car Insurance by Situation

Your age and location are both very influential factors in your Kentucky car insurance premiums, but they aren’t the only ones. Other variables related to your driving record and credit score also have an impact.

Cheapest Kentucky Car Insurance for Drivers With a Speeding Ticket

A speeding ticket in your driving history can considerably increase prices for car insurance in Kentucky. Those who’ve been caught driving too fast in the state pay an average of $2,358 per year, far more than the cost for those with a clean driving record.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $81 $971
State Farm $97 $1,167
USAA $122 $1,458
Kentucky Farm Bureau $139 $1,663
Auto-Owners Insurance $145 $1,734

Cheapest Kentucky Car Insurance for Drivers With a Recent Accident

Drivers who recently caused an accident can expect to pay steeper prices for car insurance in Kentucky. The average rate is $3,001 per year for Kentucky motorists after an at-fault accident.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
State Farm $104 $1,253
Auto-Owners Insurance $112 $1,341
Geico $131 $1,577
USAA $146 $1,749
Travelers $176 $2,109

Cheapest Kentucky Car Insurance for Drivers With a DUI

A recent DUI can drastically increase your monthly premiums as you’ll be labeled as a high-risk driver. The average rate for full coverage auto insurance in Kentucky is $3,695 per year after a DUI violation.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
State Farm $97 $1,168
Progressive $149 $1,787
USAA $156 $1,872
Travelers $158 $2,221
Geico $198 $2,380

Cheapest Kentucky Car Insurance for Drivers With Poor Credit

It’s difficult to avoid increased auto insurance prices with a poor credit score. Kentucky drivers with bad credit spend an average of $3,634 per year to insure their vehicles.

Cheapest Car Insurance in Kentucky Estimated Monthly Cost Estimated Annual Cost
Geico $116 $1,389
State Farm $188 $2,255
Progressive $188 $2,257
USAA $198 $2,372
Travelers $245 $2,943

 

4 Best Car Insurance Companies in Kentucky

Below are the four best overall choices for car insurance in Kentucky. We considered factors such as insurance costs, coverage plans, customer service and industry reputation when ranking these companies.

Top Kentucky
Car Insurance Companies
Overall Rating Coverage Rating Cost Rating
1. Geico 9.2 8.5 9.4
2. State Farm 9.2 9.0 9.0
3. USAA 9.5 9.5 10.0
4. Westfield Insurance 7.6 7.7 7.3

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Kentucky.

1 Geico: Editor’s Choice

J.D. Power regional rating843/1,000

AM Best financial strength scoreA++

Better Business Bureau (BBB) ratingA+

Geico offers a compelling mix of affordable car insurance coverage and strong customer service. The company receives an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠. Geico’s outstanding financial strength rating from AM Best indicates the company’s reliability when it comes to its ability to pay out claims.

2 State Farm: Most Popular Provider

J.D. Power regional rating: 859/1,000

AM Best financial strength scoreA++

BBB RatingA+

State Farm can be another affordable provider of car insurance in Kentucky. Besides offering some of the cheapest rates for good drivers and those who have at-fault accidents on their records, State Farm has a good student car insurance discount of up to 25%. The company also offers a usage-based option for all drivers called Drive Safe & Save™ and a driver education program called Steer Clear®.

3 USAA: Low Rates for Military

J.D. Power regional rating890/1,000

AM Best financial strength scoreA++

BBB RatingA+

It’s wise to look at USAA if you’re in the military, a veteran or an immediate family member of someone in the armed forces. The company received the Southeast’s highest satisfaction score in the J.D. Power 2021 U.S. Auto Insurance Study℠, highlighting its stellar customer service. Rates are generally low across the Bluegrass State as well, making it a worthwhile option for coverage.

4 Westfield Insurance: Strong Local Coverage

J.D. Power regional rating: Unranked

AM Best financial strength scoreA

BBB RatingA+Westfield Insurance is headquartered in Ohio and offers high-quality car insurance in Kentucky. While drivers won’t always receive the lowest rates from Westfield, the company receives far fewer complaints than average in the complaint index from the National Association of Insurance Commissioners (NAIC). Westfield has insurance agents who are known for their dedication to customers, and it shows in the provider’s reviews.

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.

Kentucky Minimum Coverage Requirements

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

While drivers don’t legally need any coverage beyond the minimum liability limits, many opt for the underinsured motorist or uninsured motorist coverage, comprehensive insurance, and collision coverage. These can help with damage to your vehicle or property in the event of an at-fault accident, an environmental hazard, theft or vandalism.

How To Get Car Insurance in Kentucky

GeicoState Farm, and USAA typically offer the most affordable car insurance in Kentucky. It’s a good move to compare car insurance quotes from multiple providers before picking one, as you’ll be able to discover the lowest rates for top-quality auto insurance policies

Cheapest Car Insurance in Kentucky: FAQ

How much is car insurance per month in Kentucky?

Kentucky drivers pay an average of $148 per month, or $1,779 per year, for full coverage car insurance. This is slightly more expensive than the national average of $144 per month, or $1,730 per year.

Why is car insurance so expensive in Kentucky?

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.

Is Geico available in Kentucky?

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.

What is full coverage insurance in Kentucky?

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.

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