Best car insurance companies in Kentucky

Auto-Owners is the best car insurance company in Kentucky, based on a 2024 analysis by, 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 score is calculated out of five using these factors.

Best car insurance in Kentucky
CompanyAM BestAvg. Annual PremiumJ.D. score
Kentucky Farm BureauA$2,1138200.233.29
Shelter InsuranceA$1,9178511.183.16
State FarmA++$2,7538070.72.91

Data refreshed as of Apr 2024
Read our full methodology

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, Travelers offer the cheapest car insurance in Kentucky overall, with an average annual rate of $1,804.

Cheapest car insurance in Kentucky
CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Shelter Insurance$633$802$1,917
Kentucky Farm Bureau$326$522$2,113
State Farm$715$953$2,753

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

Data refreshed as of Apr 2024
Read our full methodology

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 For the state minimum coverage, the average annual cost in Kentucky is $606.

Auto insurance calculator

Average auto insurance rates in Kentucky
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
41074 - Dayton
For a 30-year-old male
$46 State minimum
$175 Full coverage
$63 Liability only

Most & least expensive ZIP codes for auto insurance in Kentucky

Most Expensive

Zip CodeCityHighest Rate
41543Mc Andrews$251

Least Expensive

Zip CodeCityLowest Rate

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, 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.

State minimum auto insurance coverage in Kentucky, KY
Company Liability insurance premiumMonthly liability insurance premium
Kentucky Farm Bureau$326$27
Shelter Insurance$633$53
State Farm$715$60

*USAA offers coverage only to military veterans and their family

Data refreshed as of Apr 2024
Read our full methodology

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.

Cheapest car insurance in Kentucky by age
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.

Data refreshed as of Apr 2024
Read our full methodology

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 auto insurance in Kentucky for drivers with tickets and accidents
CompanyClean record Accident Speeding Ticket
State Farm$1,455$1,670$1,562
Kentucky Farm Bureau$2,325$3,123$2,325

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

Data refreshed as of Apr 2024
Read our full methodology

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.

CityAnnual insurance premium
Bowling Green
$2,359 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 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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