- Best car insurance companies in Kentucky
- Cheapest car insurance companies in Kentucky
- Average cost of car insurance in Kentucky
- Minimum car insurance requirements in Kentucky
- Cheapest car insurance companies for minimum liability coverage in Kentucky
- Cheapest car insurance cost in Kentucky by age
- Cheapest car insurance companies in Kentucky by driver profile
- Compare auto insurance rates by city in Kentucky
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Kentucky
Auto-Owners is the best car insurance company in Kentucky, based on a 2024 analysis by Insurance.com, with an overall rating of 3.75. Travelers is the second-best auto insurance company in Kentucky, with an overall rating of 3.35.
Below is a full list of the top Kentucky insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $1,911 | 859 | 0.5 | 3.75 |
| Travelers | A++ | $1,804 | 851 | 0.49 | 3.35 |
| Kentucky Farm Bureau | A | $2,113 | 820 | 0.23 | 3.29 |
| Shelter Insurance | A | $1,917 | 851 | 1.18 | 3.16 |
| Geico | A++ | $2,106 | 847 | 0.91 | 3.12 |
| State Farm | A++ | $2,753 | 807 | 0.7 | 2.91 |
| Progressive | A+ | $2,714 | 828 | 0.65 | 2.67 |
| Allstate | A+ | $3,127 | 816 | 0.65 | 2.48 |
| Farmers | A | $3,548 | 857 | 0.8 | 2.17 |
Cheapest car insurance companies in Kentucky
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Kentucky and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers offer the cheapest car insurance in Kentucky overall, with an average annual rate of $1,804.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $609 | $732 | $1,804 |
| USAA* | $533 | $668 | $1,820 |
| Auto-Owners | $588 | $713 | $1,911 |
| Shelter Insurance | $633 | $802 | $1,917 |
| Geico | $508 | $798 | $2,106 |
| Kentucky Farm Bureau | $326 | $522 | $2,113 |
| Progressive | $758 | $1,043 | $2,714 |
| State Farm | $715 | $953 | $2,753 |
| Allstate | $890 | $1,161 | $3,127 |
| Farmers | $1,039 | $1,355 | $3,548 |
*USAA offers car insurance only to military members and their families.
Average cost of car insurance in Kentucky
The average car insurance cost in Kentucky is $2,228 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Kentucky is $606.
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Most & least expensive ZIP codes for auto insurance in Kentucky
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 40211 | Louisville | $257 |
| 40210 | Louisville | $256 |
| 40212 | Louisville | $255 |
| 41543 | Mc Andrews | $251 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 42202 | Adairville | $160 |
| 42122 | Alvaton | $160 |
| 42134 | Franklin | $161 |
| 42274 | Rockfield | $161 |
Minimum car insurance requirements in Kentucky
You need car insurance with minimum coverage levels of 25/50/25 in Arizona, which costs $601 each year or $50 each month.
Cheapest car insurance companies for minimum liability coverage in Kentucky
According to Insurance.com, the Kentucky Farm Bureau has the cheapest state minimum liability coverage, at $326 per year or $27 each month.
Here are the most affordable car insurance companies for state minimum coverage in Kentucky.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Kentucky Farm Bureau | $326 | $27 |
| USAA* | $526 | $44 |
| Geico | $534 | $45 |
| Auto-Owners | $588 | $49 |
| Travelers | $601 | $50 |
| Shelter Insurance | $633 | $53 |
| State Farm | $715 | $60 |
| Progressive | $745 | $62 |
| Allstate | $1,021 | $85 |
| Farmers | $1,855 | $155 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Kentucky by age
In Kentucky, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Shelter Insurance offers the cheapest car insurance for teen drivers in Kentucky at $5,244 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Kentucky, Travelers offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,823 per year and $1,782 per year, respectively.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Shelter Insurance | $5,244 |
| Teens (16-19) | Auto-Owners | $5,272 |
| Teens (16-19) | Travelers | $5,540 |
| Teens (16-19) | Kentucky Farm Bureau | $5,642 |
| Teens (16-19) | USAA* | $5,714 |
| Teens (16-19) | Geico | $6,291 |
| Teens (16-19) | State Farm | $7,622 |
| Teens (16-19) | Progressive | $9,979 |
| Teens (16-19) | Allstate | $10,895 |
| Teens (16-19) | Farmers | $12,082 |
| Young Adults (20-24) | USAA* | $2,737 |
| Young Adults (20-24) | Travelers | $2,760 |
| Young Adults (20-24) | Auto-Owners | $3,196 |
| Young Adults (20-24) | Shelter Insurance | $3,443 |
| Young Adults (20-24) | Geico | $3,516 |
| Young Adults (20-24) | Kentucky Farm Bureau | $3,548 |
| Young Adults (20-24) | Progressive | $4,285 |
| Young Adults (20-24) | State Farm | $4,474 |
| Young Adults (20-24) | Allstate | $4,739 |
| Young Adults (20-24) | Farmers | $5,641 |
| Adults (25-60) | Travelers | $1,823 |
| Adults (25-60) | USAA* | $1,838 |
| Adults (25-60) | Auto-Owners | $1,939 |
| Adults (25-60) | Shelter Insurance | $1,956 |
| Adults (25-60) | Kentucky Farm Bureau | $2,054 |
| Adults (25-60) | Geico | $2,138 |
| Adults (25-60) | Progressive | $2,729 |
| Adults (25-60) | State Farm | $2,767 |
| Adults (25-60) | Allstate | $3,106 |
| Adults (25-60) | Farmers | $3,522 |
| Seniors (65-75) | Travelers | $1,782 |
| Seniors (65-75) | Shelter Insurance | $1,785 |
| Seniors (65-75) | USAA* | $1,872 |
| Seniors (65-75) | Kentucky Farm Bureau | $1,929 |
| Seniors (65-75) | Auto-Owners | $1,999 |
| Seniors (65-75) | Geico | $2,310 |
| Seniors (65-75) | State Farm | $2,634 |
| Seniors (65-75) | Progressive | $2,727 |
| Seniors (65-75) | Allstate | $3,167 |
| Seniors (65-75) | Farmers | $3,465 |
*USAA offers car insurance only to military veterans and their families.
Cheapest car insurance companies in Kentucky by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Kentucky rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| State Farm | $1,455 | $1,670 | $1,562 |
| Geico | $1,502 | $2,966 | $2,317 |
| USAA* | $1,601 | $2,911 | $2,171 |
| Travelers | $1,665 | $2,654 | $2,612 |
| Auto-Owners | $1,683 | $2,811 | $2,464 |
| Nationwide | $1,789 | $3,075 | $2,729 |
| Kentucky Farm Bureau | $2,325 | $3,123 | $2,325 |
| Allstate | $2,412 | $4,180 | $2,878 |
| Progressive | $2,474 | $4,448 | $3,354 |
*USAA offers car insurance only to military members and their families.
Compare auto insurance rates by city in Kentucky
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Kentucky.
| City | Annual insurance premium |
|---|---|
Ashland | $1,905 |
Bowling Green | $1,987 |
Louisville | $2,359 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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