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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| State Farm | A++ | $ 1,609 | 0.52 | 4.21 |
| Geico | A++ | $ 1,609 | 0.77 | 4.19 |
| Auto-Owners | A++ | $ 1,748 | 0.64 | 4.18 |
| USAA* | A++ | $ 1,538 | 0.99 | 4 |
| Nationwide | A+ | $ 1,730 | 0.66 | 3.87 |
| Travelers | A++ | $ 1,632 | 1.03 | 3.83 |
| Progressive | A+ | $ 2,093 | 0.73 | 3.31 |
| Allstate | A+ | $ 2,614 | 0.95 | 2.35 |
| State Farm | A++ | $ 1,609 | 0.52 | 4.21 |
| Geico | A++ | $ 1,609 | 0.77 | 4.19 |
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.
| Company | State minimum | 50/100/50 liability only | 100/300/100 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 AlabamaMost & least expensive ZIP codes for auto insurance in
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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.
| 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.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| 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.
