Low-income car insurance in Kentucky: What you need to know

Kentucky government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Kentucky. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Kentucky, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Kentucky minimum car insurance requirements

The minimum car insurance requirements in Kentucky are as follows:

Minimum liability coverage limits	25/50/25
Average annual premium	$606
Other types of insurance required (if any)	PIP

Read our methodology

Remember that if you have a loan on your car, you're required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Kentucky

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Kentucky and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Kentucky.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
Auto-Owners	$588	859	A++	0.5	3.48
Kentucky Farm Bureau	$326	820	A	0.23	3.45
Geico	$508	847	A++	0.91	3.05
Travelers	$609	851	A++	0.49	3.01
State Farm	$715	807	A++	0.7	2.9
Shelter Insurance	$633	851	A	1.18	2.84
Progressive	$758	828	A+	0.65	2.6
Allstate	$890	816	A+	0.65	2.45
Farmers	$1,039	857	A	0.8	2.17

Read our methodology

Cheapest low-income car insurance in Kentucky

Based on state-minimum coverage, we found that the cheapest car insurance company in Kentucky is Kentucky Farm Bureau at an average rate of $326 a year.

When you're working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Kentucky to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
Kentucky Farm Bureau	$326	$27
Geico	$508	$42
Auto-Owners	$588	$49
Travelers	$609	$51
Shelter Insurance	$633	$53
State Farm	$715	$60
Progressive	$758	$63
Allstate	$890	$74
Farmers	$1,039	$87
USAA	$533	$44

Read our methodology

PEOPLE ASK:

What can I do if I can't afford car insurance in Kentucky?

If you can't find affordable car insurance in Kentucky, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Kentucky

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Kentucky can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	23%
Years Insured	18%
Profession	13%
Telematics	11%
Multi Policy	9%
Payment Type	9%
Primary Use	8%
Days Advanced Purchase	7%
Marital Status	7%
Education	7%
Homeowner	7%
Electronic Funds Transfer	6%
Loyalty - Years Renewal With Company	5%
Daily Commute	5%
Lower Annual Mileage	5%
Days Per Week Driven	4%
Air Bags	3%
Paperless/Electornic Documents	2%
Safety Devices	2%
Anti-Theft Device	2%

Read our methodology

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in Kentucky: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Kentucky, Kentucky Farm Bureau is the cheapest car insurance company with the average rate of $326. However, that's based on average rates and may differ for you, so it's important to shop around.

Does Kentucky have car insurance for low-income individuals?

No, Kentucky doesn't offer a car insurance program for low-income individuals or families.

What happens if I can't pay my car insurance?

If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.