Nationwide offers the cheapest auto insurance rates in Kentucky at about $619 a year or $52 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.
- Best auto insurance companies in Kentucky
- Cheapest car insurance companies in Kentucky
- Cheapest car insurance cost in Kentucky for teens
- Cheapest car insurance cost in Kentucky for young adults
- Cheapest car insurance cost in Kentucky for adults
- Cheapest car insurance cost in Kentucky for seniors
- Cheapest Car Insurance Companies in Kentucky by Driver Profile
- Average cost of car insurance in Kentucky
Best auto insurance companies in Kentucky
Based on Insurance.com's rate analysis, The General is our top pick for the best auto insurance company in Kentucky. It has earned 4.9 auto star rating, highest among the carriers surveyed. Apart from The General, USAA, Safeco, Nationwide and Allstate are the other top performers on the list of best car insurance companies.
Compare insurance providers based on their auto star ratings and decide which one is the right option for you.
| Company | Auto star ratings |
|---|---|
| The General | 4.9 |
| USAA | 4.9 |
| Safeco | 4.3 |
| Nationwide | 4.2 |
| Allstate | 4.1 |
| Auto-Owners | 4.0 |
| Progressive | 3.6 |
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, Nationwide is the cheapest auto insurance company in Kentucky that offers insurance policies at $619 annually or $52 a month, on average.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide of Am | $619 | $52 |
| United Svcs Automobile Assn | $1,017 | $85 |
| GEICO General | $1,028 | $86 |
| Standard Fire | $1,079 | $90 |
| Auto-Owners | $1,230 | $103 |
| State Farm Mutl Automobile Ins | $1,253 | $104 |
| Progressive Direct | $1,344 | $112 |
| Allstate P&C | $1,647 | $137 |
| Metropolitan P&C | $2,642 | $220 |
Cheapest car insurance cost in Kentucky for teens
State Farm is the cheapest car insurance company in Kentucky for teen drivers. Its average annual premium for teenagers is $4,157 or $346 a month.
The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $4,157 |
| Geico Gen | $4,350 |
| Kentucky Farm Bur Mut | $5,867 |
| Nationwide Mut | $9,677 |
| Progressive Direct | $10,302 |
| Allstate Prop & Cas | $13,443 |
Cheapest car insurance cost in Kentucky for young adults
Geico is the cheapest car insurance company in Kentucky for young adults, based on Insurance.com's rate analysis. Its average annual premium is $2,004 or $167 a month.
The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.
If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.
| Company | Average annual premium |
|---|---|
| Geico Gen | $2,004 |
| State Farm Mut Auto | $2,572 |
| Progressive Direct | $3,106 |
| Kentucky Farm Bur Mut | $3,999 |
| Allstate Prop & Cas | $5,062 |
| Nationwide Mut | $5,164 |
Cheapest car insurance cost in Kentucky for adults
Geico is the cheapest car insurance company in Kentucky for adults. Its average annual premium is $1,465 or $122 a month.
When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.
Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.
| Company | Average annual premium |
|---|---|
| Geico Gen | $1,465 |
| State Farm Mut Auto | $1,631 |
| Progressive Direct | $1,816 |
| Kentucky Farm Bur Mut | $2,149 |
| Nationwide Mut | $3,190 |
| Allstate Prop & Cas | $3,668 |
Cheapest car insurance cost in Kentucky for seniors
State Farm is the cheapest auto insurance company for senior drivers in Kentucky. Its average annual premium is $1,523 or $127 a month.
Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $1,523 |
| Progressive Direct | $1,656 |
| Geico Gen | $1,721 |
| Kentucky Farm Bur Mut | $1,936 |
| Nationwide Mut | $2,998 |
| Allstate Prop & Cas | $3,684 |
Cheapest Car Insurance Companies in Kentucky by Driver Profile
While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.
Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Kentucky.
Cheapest auto insurance for drivers with poor credit: Geico
Geico is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,735 or $145 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price| Company | Average annual premium |
|---|---|
| Geico | $1,735 |
| Nationwide | $2,022 |
| Standard Fire | $2,798 |
| State Farm | $2,822 |
| Progressive | $2,845 |
| United | $3,135 |
| Allstate | $3,502 |
| Auto-Owners | $4,177 |
| Metropolitan | $9,296 |
Cheapest auto insurance for drivers with a speeding tickets: State Farm
State Farm is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Kentucky drivers is $1,484, based on a rate analysis by Insurance.com.If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.
The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Kentucky.
| Company | Average annual premium |
|---|---|
| State Farm | $1,484 |
| Auto-Owners | $1,720 |
| Nationwide | $1,897 |
| United | $1,913 |
| Geico | $1,952 |
| Standard Fire | $2,112 |
| Progressive | $2,144 |
| Allstate | $2,352 |
| Metropolitan | $6,367 |
Cheapest auto insurance after at-fault accident: Auto-Owners
Auto-Owners is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $1,457. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.| Company | Average annual premium |
|---|---|
| Auto-Owners | $1,457 |
| State Farm | $1,598 |
| Geico | $1,888 |
| Nationwide | $1,951 |
| Standard Fire | $2,101 |
| United | $2,262 |
| Progressive | $2,596 |
| Allstate | $3,233 |
| Metropolitan | $7,228 |
Cheapest auto insurance after a DUI: State Farm
The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $1,484 or $124 a month.
When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.
| Company | Average annual premium |
|---|---|
| State Farm | $1,484 |
| Progressive | $2,083 |
| Standard Fire | $2,207 |
| Nationwide | $2,362 |
| United | $2,481 |
| Allstate | $2,629 |
| Geico | $2,885 |
| Auto-Owners | $2,988 |
| Metropolitan | $8,980 |
Average cost of car insurance in Kentucky
The average car insurance rate in Kentucky is $1,318 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s -$138 more than the national average $1,456. For the state minimum coverage, the average annual cost in Kentucky is $437.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $437 | $1,318 |