The best car insurance in Kentucky

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 18, 2021

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Car insurance rates in Kentucky are some of the highest in the country. At an average cost of $2,158 per year, there are only a small handful of states with higher average premiums.

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That’s why it’s all the more important for drivers in Kentucky to shop around and compare rates before buying a car insurance policy. Policygenius makes it easy to see what you’d pay for coverage from top companies, so you can choose the policy that’s right for you.

Key Takeaways

  • GEICO has the lowest average rates in Kentucky at $1,019 per year

  • State Farm has the cheapest rates in Kentucky for drivers with an at-fault accident on their record

  • Kentucky requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability

Cheapest car insurance companies in Kentucky

Car insurance rates are determined based on details like your age, location, driving history, credit score and even the kind of car you drive. Since every insurer has its own formula for calculating your rates, getting multiple quotes is the best way to find the cheapest premiums.

Company

Average cost

JD Power Rating

GEICO

$1,019

871

State Farm

$1,360

881

USAA

$1,483

890

Auto-Owners Insurance

$1,565

890

Westfield Insurance

$1,669

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Cheapest car insurance companies by age in Kentucky

Because of their inexperience behind the wheel, teenage drivers are the most likely to have an accident, which is why they pay more for car insurance than any other age group. But rates generally fall as young drivers age and gain experience.

Age

Cheapest company

Average cost

16

State Farm

$4,433

18

GEICO

$2,848

21

GEICO

$1,745

25

GEICO

$1,185

30

GEICO

$1,012

35

GEICO

$1,004

45

GEICO

$1,041

55

GEICO

$946

Choosing the right car insurance company in Kentucky

Full coverage insurance in Kentucky is already expensive, so finding the best policy at an affordable price is important. There’s no one right company for every driver, so the right company for you is the one that offers you the most protection at the lowest rates.

Policygenius can help you see options from top companies, so you can feel confident you’re getting the best deal on car insurance.

Car insurance rates for drivers with driving violations in Kentucky

Any accidents or violations on your driving record will mean higher insurance rates, but some violations raise you rates more than others. If you know you have a spotty driving record, it’s even more important that you shop around and compare quotes before picking a policy.

Violation

GEICO

State Farm

USAA

Auto-Owners Insurance

Westfield Insurance

At-fault Accident

$1,831

$1,599

$2,405

$2,129

$2,487

DUI

$2,588

$1,491

$2,626

$3,487

$4,156

Driving with a suspended license

$1,088

$1,491

$2,477

$3,487

$4,156

Driving with an open container

$1,088

$1,491

$2,459

$1,608

$2,091

Driving with expired registration

$1,033

$1,491

$2,029

$1,587

$2,091

Driving without Lights

$1,088

$1,491

$2,029

$1,608

$2,091

Failure to show documents

$1,033

$1,491

$2,029

$1,587

$2,091

Failure to stop at a red light

$1,088

$1,491

$2,029

$1,608

$2,091

Cheapest car insurance for drivers with bad credit in Kentucky

Your credit score is another factor insurance companies can use to determine your rates. Generally, a low credit score means you’ll pay more for car insurance, so if you have bad credit, it may take a little more effort to find a company that will offer you affordable rates.

Company

Rates for drivers with bad credit

GEICO

$1,813

State Farm

$2,849

Grange Insurance

$2,876

Cincinnati Insurance

$3,022

USAA

$3,356

Car insurance costs in Kentucky cities

Drivers in areas with high crime rates or more accidents and claims will pay more for car insurance, while drivers in areas with low rates of car theft and vandalism will see better rates. Here’s what drivers pay for coverage in the 10 biggest cities in Kentucky:

  • Louisville: $2,420

  • Lexington: $1,678

  • Bowling Green: $1,584

  • Owensboro: $1,495

  • Covington: $1,632

  • Richmond: $1,565

  • Georgetown: $1,602

  • Florence: $1,527

  • Hopkinsville: $1,749

  • Nicholasville: $1,623

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Buying car insurance in Kentucky

All drivers in Kentucky are required to have at least a minimum amount of car insurance, although there are some types of coverage that Kentucky drivers can decline if they refuse in writing.

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

  • Personal injury protection: $10,000 per accident, however PIP coverage can be rejected in writing

  • Uninsured/underinsured motorist coverage: Optional, but Kentucky specifies the insurer include UM/UMI at $25,000 per person and $50,000 per accident unless you expressly reject it in writing

However most drivers need more than the minimum amounts of coverage required by law in order to be fully protected. Too little coverage and you could be on the hook for thousands of dollars in repair costs and medical bills after an accident.

How to get cheap car insurance in Kentucky

Looking for car insurance can feel overwhelming, but there some simple tips for finding your most affordable coverage:

  • Ask about discounts. Most companies offer discounts for things like safe driving, paying your policy in full, going paperless, or earning good grades in school

  • Bundle policies. Get multiple policies from the same company and save on both

  • Shop around. Get quotes from multiple companies before you pick a policy to make sure you’re not missing out on cheaper coverage

  • Reshop yearly. Shop around for new coverage every time your policy is up for renewal in case options have changed

Frequently asked questions

Why do young drivers cost more to insure?

Insurance companies charge higher premiums to younger drivers because teenage drivers are more likely to get into car accidents, making them more of a risk to insure.

Why did my insurance rates go up when I bought a new car?

If your new car is an upgrade from your old one, you could see a higher bill for your insurance premium. Expensive cars cost more to repair, which adds onto the bill for your insurer if you get into an accident.

What is comprehensive insurance?

Comprehensive coverage is a type of car insurance coverage that covers damage to your car not caused by a collision, like damage from fire, theft, vandalism or animals. It’s usually paired with collision coverage, and together with liability coverage they make up what’s usually called full coverage car insurance.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.