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State Farm offers the cheapest auto insurance at $1,609 per year or $134 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $1,538 a year. 

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found State Farm to be the best insurance company in Kentucky as well as the cheapest.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your average annual car insurance cost. 

Read on to compare Kentucky insurance rates by company, age and more.

Key takeaways

  • State Farm is the best car insurance company in Kentucky overall, with below-average rates and a low complaint ratio.
  • State Farm is the cheapest car insurance company in Kentucky with an average rate of $1,609 per year.
  • Geico has the cheapest rates for teens, and State Farm has the cheapest rates for adult drivers. 

Average cost of car insurance in Kentucky

The average car insurance rate in Kentucky is $1,526 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 $380.

Best car insurance companies in Kentucky

State Farm is the best car insurance company in Kentucky, based on a 2023 analysis by Insurance.com, with an overall rating of 4.21. Geico is the second-best auto insurance company in Kentucky, with an overall rating of 4.19. 

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.

Best car insurance companies in Kentucky
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
State FarmA++$ 1,6090.524.21
GeicoA++$ 1,6090.774.19
Auto-OwnersA++$ 1,7480.644.18
USAA*A++$ 1,5380.994
NationwideA+$ 1,7300.663.87
TravelersA++$ 1,6321.033.83
ProgressiveA+$ 2,0930.733.31
AllstateA+$ 2,6140.952.35
State FarmA++$ 1,6090.524.21
GeicoA++$ 1,6090.774.19

USAA offers car insurance only to military members and their families.

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, USAA is the cheapest auto insurance company in Kentucky with average rates of $1,538 annually or $128 a month for full coverage. State Farm is the cheapest company overall, with an average annual rate of $1,609 for full coverage in Kentucky.  

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
USAA*$ 349$ 464$ 1,538
State Farm$ 430$ 615$ 1,609
Geico$ 394$ 620$ 1,609
Travelers$ 573$ 698$ 1,632
Nationwide$ 834$ 1,012$ 1,730
Auto-Owners$ 567$ 692$ 1,748
Progressive$ 852$ 1,103$ 2,093
Kentucky Farm Bureau$ 432$ 614$ 2,204
Allstate$ 779$ 1,080$ 2,614

USAA offers car insurance only to military members and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
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36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.

Geico offers the cheapest car insurance for teen drivers in Kentucky at $4,204 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, Geico offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) at $1,532 per year, and State Farm offers the cheapest full coverage car insurance for senior drivers (60-75 year-olds)  at $1,524 per year. 

Cheapest car insurance by age in Kentucky
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Geico$ 4,204
Teens (16-19)State Farm$ 4,305
Teens (16-19)Auto-Owners$ 4,941
Teens (16-19)Travelers$ 5,104
Teens (16-19)USAA$ 5,201
Teens (16-19)Nationwide$ 5,882
Teens (16-19)Kentucky Farm Bureau$ 6,343
Teens (16-19)Progressive$ 7,824
Teens (16-19)Allstate$ 9,148
Young Adults (20-24)USAA$ 2,357
Young Adults (20-24)Geico$ 2,425
Young Adults (20-24)Travelers$ 2,487
Young Adults (20-24)State Farm$ 2,557
Young Adults (20-24)Nationwide$ 2,856
Young Adults (20-24)Auto-Owners$ 2,933
Young Adults (20-24)Allstate$ 3,584
Young Adults (20-24)Progressive$ 3,698
Young Adults (20-24)Kentucky Farm Bureau$ 3,944
Adults (25-55)Geico$ 1,532
Adults (25-55)USAA$ 1,561
Adults (25-55)State Farm$ 1,635
Adults (25-55)Travelers$ 1,659
Adults (25-55)Nationwide$ 1,783
Adults (25-55)Auto-Owners$ 1,795
Adults (25-55)Kentucky Farm Bureau$ 2,200
Adults (25-55)Progressive$ 2,237
Adults (25-55)Allstate$ 2,636
Seniors (60-75)State Farm$ 1,524
Seniors (60-75)USAA$ 1,541
Seniors (60-75)Travelers$ 1,573
Seniors (60-75)Geico$ 1,606
Seniors (60-75)Nationwide$ 1,644
Seniors (60-75)Auto-Owners$ 1,790
Seniors (60-75)Kentucky Farm Bureau$ 1,993
Seniors (60-75)Progressive$ 2,237
Seniors (60-75)Allstate$ 2,667

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. 

Cheapest car insurance companies for tickets and accidents in Kentucky
CompanyClean recordAccidentTicket
State Farm$ 1,455$ 1,670$ 1,562
Geico$ 1,597$ 2,624$ 1,853
USAA$ 1,610$ 2,597$ 2,077
Auto-Owners$ 1,683$ 2,155$ 1,792
Travelers$ 1,683$ 2,498$ 2,475
Nationwide$ 1,744$ 2,781$ 2,502
Kentucky Farm Bureau$ 2,325$ 3,123$ 2,325
Progressive$ 2,349$ 3,858$ 3,128
Allstate$ 2,388$ 3,892$ 2,816

USAA offers car insurance only to military members and their families.

Methodology

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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 the limit 
  • Speeding ticket 11- 29 MPH over the limit 
  • Talking on a 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.  

Compare auto insurance rates by city in Kentucky

Crofton
$1,517/year
Ghent
$1,682/year
Louisville
$1,987/year
Midway
$1,445/year
Milton
$1,769/year
Murray
$1,521/year
Owensboro
$1,354/year
Sturgis
$1,607/year
Versailles
$1,418/year