Best Cheapest Car Insurance Kentucky 2022
| 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.
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.
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 rating: 843/1,000
AM Best financial strength score: A++
Better Business Bureau (BBB) rating: A+
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 score: A++
BBB Rating: A+
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 rating: 890/1,000
AM Best financial strength score: A++
BBB Rating: A+
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 score: A
BBB Rating: A+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
Geico, State 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.