Cheapest Car Insurance In Kentucky (2024)
The cheapest car insurance in Kentucky comes from Kentucky Farm Bureau at $24 per month on average.
Powered by 
Due to the increasing costs of car insurance, Kentucky drivers should consider comparing different policy options in order to find the coverage that is the most affordable. Our reviews team has researched the best car insurance companies nationwide. We thoroughly examined the reputation, how satisfied customers are, the coverage choices, and the average amount of money people pay for insurance from each provider.
In this review, we will discuss effective methods to reduce costs on insurance and identify the most affordable car insurance options in Kentucky that match your driving profile.
Key Points
- Kentucky Farm Bureau is the cheapest car insurance company in Kentucky overall, with an average rate of $24 per month for minimum coverage and $194 per month for full coverage.
- Travelers and GEICO also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have traffic violations on your record, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Powered by 
Car insurance companies each have their own way of evaluating driver profiles, so the provider that is the least expensive for one driver may not be the least expensive for you. To give you an idea, here’s a summary of the most affordable car insurance companies and what they charge for various driver profiles in Kentucky.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Kentucky Farm Bureau | $24 | $288 |
| Full coverage | Travelers | $156 | $1,868 |
| 16-year-olds | Kentucky Farm Bureau | $84 | $1,009 |
| 45-year-olds | Kentucky Farm Bureau | $19 | $234 |
| High-risk drivers | Kentucky Farm Bureau | $39 | $469 |
| After a speeding ticket | Kentucky Farm Bureau | $24 | $288 |
| After an accident | Kentucky Farm Bureau | $33 | $398 |
| After a DUI | Travelers | $52 | $619 |
| Poor credit drivers | Travelers | $39 | $463 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Kentucky?
In general, we discovered that Kentucky Farm Bureau provides the most affordable car insurance in Kentucky for many different types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Kentucky.
These rates apply to drivers in Kentucky with varying ages, locations, and driving histories. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Kentucky: Kentucky Farm Bureau
Drivers looking for the most affordable coverage that just meets Kentucky state minimum requirements may find it at Kentucky Farm Bureau for about $24 per month or $288 per year on average.
| Cheapest Car Insurance in Kentucky | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Kentucky Farm Bureau | $24 | $288 |
| Travelers | $39 | $463 |
| GEICO | $46 | $556 |
| USAA | $48 | $578 |
| Auto-Owners | $60 | $719 |
| State Farm | $65 | $784 |
| Shelter | $70 | $841 |
| Progressive | $108 | $1,291 |
| Allstate | $115 | $1,376 |
Cheapest Full Coverage In Kentucky: Travelers
If you want better coverage at a good price, Travelers is the best choice. The provider offers full-coverage insurance for an average of $156 per month.
Full-coverage insurance policies in Kentucky generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Kentucky | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $156 | $1,868 |
| GEICO | $161 | $1,927 |
| Kentucky Farm Bureau | $194 | $2,334 |
| Shelter | $197 | $2,360 |
| Auto-Owners | $210 | $2,522 |
| USAA | $218 | $2,612 |
| Progressive | $270 | $3,236 |
| State Farm | $279 | $3,351 |
| Allstate | $372 | $4,464 |
Cheapest Car Insurance In Kentucky: Age
Below, you’ll find average insurance costs for Kentucky drivers ages 16 to 55 as well as the top five most affordable car insurance companies for each age group. Drivers aged 30 to 55 usually receive the most affordable car insurance rates because they have more road experience. They are also less likely to be involved in car accidents compared to younger drivers, based on statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $292 | $895 |
| 25 | $69 | $249 |
| 35 | $59 | $207 |
| 45 | $57 | $201 |
| 55 | $55 | $187 |
Cheapest Kentucky Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. This is mostly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Kentucky Car Insurance For 16-Year-Olds: Kentucky Farm Bureau
If you’re a teen driver or the parent of one, Kentucky Farm Bureau may be your best bet for finding the most affordable car insurance in Kentucky.
The company’s cheapest average rates for 16-year-old drivers are $84 per month or $1,009 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $553 per month or $6,636 per year from GEICO.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $84 | $581 |
| Travelers | $156 | $568 |
| USAA | $171 | $876 |
| GEICO | $190 | $553 |
| Shelter | $217 | $592 |
| Auto-Owners | $239 | $667 |
| State Farm | $275 | $922 |
| Progressive | $585 | $1,603 |
| Allstate | $709 | $1,696 |
Cheapest Kentucky Car Insurance For 25-Year-Olds: Kentucky Farm Bureau
Car insurance rates for young drivers in their 20s are much lower compared to what teenagers pay. However, the rates for this age group can still be expensive depending on the insurance company you select.
Kentucky Farm Bureau provides the cheapest car insurance costs on average at $28 per month or $335 per year for minimum coverage. Travelers costs $161 per month or $1,931 per year for full coverage.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $28 | $219 |
| Travelers | $39 | $161 |
| USAA | $52 | $238 |
| GEICO | $52 | $174 |
| Auto-Owners | $70 | $244 |
| State Farm | $72 | $313 |
| Shelter | $79 | $222 |
| Progressive | $112 | $285 |
| Allstate | $116 | $390 |
Cheapest Kentucky Car Insurance: Adult Drivers
People in their 40s usually get charged the least for car insurance. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Kentucky Car Insurance For 35-Year-Olds: Kentucky Farm Bureau
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Kentucky Farm Bureau. The company offers average minimum-coverage costs of $20 per month or $242 per year. For full coverage, GEICO’s rates average $147 monthly or $1,763 annually.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $20 | $170 |
| Travelers | $38 | $150 |
| GEICO | $41 | $147 |
| USAA | $45 | $197 |
| Auto-Owners | $50 | $177 |
| State Farm | $58 | $246 |
| Shelter | $61 | $171 |
| Progressive | $103 | $254 |
| Allstate | $114 | $354 |
Cheapest Kentucky Car Insurance For 45-Year-Olds: Kentucky Farm Bureau
Forty-five-year-old drivers may find the most affordable minimum coverage from Kentucky Farm Bureau, with average rates of $19 per month or $234 per year. The cheapest full coverage comes from Travelers at $136 per month or $1,636 per year.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $19 | $166 |
| Travelers | $35 | $136 |
| GEICO | $43 | $155 |
| USAA | $43 | $187 |
| Auto-Owners | $47 | $173 |
| Shelter | $53 | $149 |
| State Farm | $60 | $242 |
| Progressive | $102 | $246 |
| Allstate | $114 | $354 |
Cheapest Kentucky Car Insurance For 55-Year-Olds: Kentucky Farm Bureau
Kentucky Farm Bureau usually offers the most favorable car insurance rates for drivers in their 50s in Kentucky. The insurer’s average premiums are $17 monthly or $200 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $136 monthly or $1,636 annually
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $17 | $136 |
| Travelers | $34 | $122 |
| USAA | $42 | $179 |
| GEICO | $43 | $145 |
| Auto-Owners | $44 | $162 |
| Shelter | $46 | $133 |
| State Farm | $57 | $228 |
| Progressive | $100 | $225 |
| Allstate | $116 | $352 |
Cheapest Car Insurance In Kentucky: High-Risk Drivers
Besides the type of coverage you choose and the age of your car, your driving behavior also significantly impacts the price of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk and have a history of multiple violations on their records have to pay car insurance rates that are higher than the average. On average, Kentucky motorists who are deemed high-risk may find the most affordable rates from Kentucky Farm Bureau for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $39 | $307 |
| Travelers | $48 | $217 |
| USAA | $67 | $322 |
| State Farm | $74 | $305 |
| GEICO | $82 | $273 |
| Shelter | $92 | $244 |
| Auto-Owners | $112 | $353 |
| Progressive | $134 | $349 |
| Allstate | $173 | $535 |
Cheapest Kentucky Car Insurance For Drivers With A Speeding Ticket: Kentucky Farm Bureau
Drivers with a speeding citation on their record can generally find the most affordable coverage from Kentucky Farm Bureau, with average rates of $24 per month or $288 per year for minimum coverage and $194 per month or $2,334 per year for full coverage.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $24 | $194 |
| Travelers | $45 | $204 |
| GEICO | $50 | $174 |
| USAA | $59 | $278 |
| Shelter | $70 | $197 |
| State Farm | $71 | $298 |
| Auto-Owners | $87 | $284 |
| Progressive | $126 | $332 |
| Allstate | $139 | $441 |
Cheapest Kentucky Car Insurance For Drivers With An At-Fault Accident: Kentucky Farm Bureau
Getting into a car accident in Kentucky can also make your car insurance rates go up. Kentucky Farm Bureau tends to offer the most affordable rates on average at about $33 per month or $398 per year for minimum coverage and $263 per month or $263 per year for full coverage.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Kentucky Farm Bureau | $33 | $263 |
| Travelers | $49 | $218 |
| USAA | $68 | $329 |
| GEICO | $73 | $246 |
| State Farm | $78 | $320 |
| Auto-Owners | $89 | $289 |
| Shelter | $95 | $249 |
| Progressive | $143 | $371 |
| Allstate | $222 | $669 |
Cheapest Kentucky Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in Kentucky from Travelers for $52 per month or $619 per year on average. They also have rates of $230 monthly or $2,755 annually for full coverage.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $52 | $230 |
| Kentucky Farm Bureau | $60 | $465 |
| State Farm | $71 | $298 |
| USAA | $74 | $358 |
| Shelter | $111 | $285 |
| GEICO | $123 | $399 |
| Progressive | $131 | $343 |
| Allstate | $159 | $495 |
| Auto-Owners | $159 | $487 |
Cheapest Kentucky Car Insurance For Drivers With Poor Credit: Travelers
People who have bad credit have to pay more for their car insurance. Those who don’t have the best credit history may want to check out Travelers, which has an average minimum-coverage rate of $62 per month or $738 per year and an average full-coverage rate of $294 per month or $3,527 per year.
| Cheapest Car Insurance in Kentucky | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $62 | $294 |
| Kentucky Farm Bureau | $74 | $596 |
| USAA | $75 | $458 |
| GEICO | $83 | $271 |
| Progressive | $154 | $477 |
| Auto-Owners | $167 | $599 |
| Shelter | $168 | $525 |
| Allstate | $188 | $720 |
| State Farm | $275 | $1,127 |
Average Cost Of Car Insurance In 10 Kentucky Cities
In Kentucky, where you live also affects how much you have to pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There is an increase in the number of cars on the road.
- More frequent car crashes
- More frequent instances of breaking traffic rules
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors that increase the chances of having a car accident tend to have a greater impact on people who own cars in big cities. This is why drivers in busy cities, where there is more traffic and potential for accidents, typically have to pay more for minimum car insurance coverage. On the other hand, drivers in rural areas, where there is less crime and fewer people, are likely to pay lower rates for their car insurance.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Louisville | $80 | $247 |
| Lexington | $58 | $186 |
| Elizabethtown | $54 | $193 |
| Bowling Green | $53 | $186 |
| Hopkinsville | $50 | $195 |
| Richmond | $53 | $176 |
| Florence | $53 | $174 |
| Somerset | $58 | $212 |
| Madisonville | $47 | $207 |
| Shelbyville | $60 | $213 |
Top 5 Car Insurance Companies In Kentucky
Besides looking at the price, we have examined more than 40 insurance companies in terms of their coverage, service, and dependability. This helped us identify the top five insurers for people living in Kentucky. Based on our research, we found Kentucky Farm Bureau to be the best provider for most drivers in Kentucky. These are the ratings we give to our recommended choices as a whole.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Kentucky
In Kentucky, you have a few options to reduce the amount of money you spend on car insurance. These include:
- Opting for minimum coverage: If you just get the bare minimum car insurance required by your state, it will be the cheapest option available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Obtaining quotes from various companies can assist you in determining which provider is offering the most favorable offer.
Many insurance companies offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you’re a cautious driver, you might receive a large discount, but certain programs may increase your rates if you display unsafe driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Kentucky Require For Car Insurance?
Drivers in Kentucky must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Kentucky
When it comes to both minimum and full coverage, Kentucky Farm Bureau is the best and cheapest auto insurance company for most drivers in Kentucky. While the above costs can give you an idea of what you’d pay for car insurance in Kentucky, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies have quick and no-cost tools on their websites that can give you price estimates for insurance. Alternatively, you can directly contact an agent or representative from the company. Once you have gathered quotes from at least three insurance providers, compare them to see which one is the best fit for you.
Powered by
Best Cheap Car Insurance In Kentucky: FAQ
Here are some frequently asked questions about car insurance in Kentucky:
How much is car insurance per month in Kentucky?
Is Kentucky Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.