In a Nutshell
Looking for the cheapest car insurance in Kentucky? The average cost of car insurance in Kentucky varies based on factors like your credit scores, age, driving history, vehicle and coverage. Read on to learn more about some of the lowest-cost insurers for basic insurance in your state and which one may be the best fit for you.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Taking a road trip to Yahoo Arch or meandering through Daniel Boone National Forest in Kentucky can be a real treat. But are you getting the best rate on auto insurance to protect yourself and your car along your journey?
We looked at estimated car insurance rates from various insurance companies in Kentucky and calculated average cost, as well as insurers offering the cheapest estimated rates on basic coverage for several driver needs and profiles.
To evenly compare insurers’ rates, we made these calculations based on a driver with no accidents, tickets or claims unless otherwise noted (see our full methodology). Your rates may be higher or lower depending on your individual driving history and other factors that affect car insurance like your age, vehicle type, mileage and coverage options.
Read on to learn about Kentucky’s average car insurance rates and our findings for the cheapest options on basic insurance coverage in the state.
- Cost of car insurance in Kentucky
- 5 cheapest car insurance companies in Kentucky
- Cheapest full-coverage car insurance in Kentucky
- Cheapest state-minimum car insurance in Kentucky
- Cheapest car insurance for good credit in Kentucky
- Cheapest car insurance for poor credit in Kentucky
- Cheapest car insurance for drivers with multiple claims in Kentucky
- Cheapest car insurance for young drivers in Kentucky
- Kentucky auto insurance requirements
- Is usage-based insurance available in Kentucky?
- FAQs about the cheapest car insurance rates in Kentucky
- Methodology
Cost of car insurance in Kentucky
Average monthly premiums for basic car insurance in Kentucky range from just over $80 up into the $200s, depending on coverage and driver profile.
Average monthly auto insurance premiums in Kentucky
| Driver or coverage | Avg. monthly cost |
|---|---|
| Full-coverage car insurance in Kentucky | $238.34 |
| State-minimum car insurance in Kentucky | $82.36 |
| Drivers with poor credit in Kentucky | $158.85 |
| Drivers with multiple claims in Kentucky | $172.09 |
| Young drivers in Kentucky | $148.61 |
5 cheapest car insurance companies in Kentucky
Cincinnati Insurance and Westfield appear in the top five cheapest insurers for all categories we analyzed. The rates below have been calculated based on a specific Kentucky driver profile for basic coverage, as outlined in our methodology, so your rates could be different. Characteristics include a driver age 36 to 45, no tickets or coverage gaps, and a car worth $20,000 to $30,000.
If this isn’t you, don’t worry. We’ll cover additional information for drivers with different ages, credit ranges and driving histories.
1. Cincinnati Insurance
Founded in 1951, Cincinnati Insurance exclusively sells auto, home, umbrella and life insurance through independent agents. Optional add-on features include rental car coverage, gap coverage and antique or collector car insurance. Discounts are available for good grades, bundled policies and safe driving history.
2. Kentucky Farm Bureau
Kentucky Farm Bureau, which sells policies through local agents throughout the commonwealth, offers auto, home, farm and health coverage among other insurance options. The insurer’s offerings include bodily injury and property damage liability, collision coverage and uninsured/underinsured motorists protection. Kentucky Farm Bureau has a usage-based insurance discount program, called DriveRight Mobile, which can save customers 5% on their premium and provide safe driving feedback in as few as three trips.
3. Westfield
Westfield offers car insurance coverage through a network of independent agents. In addition to its standard coverage options, Westfield offers optional extras like gap, roadside assistance and uninsured/underinsured motorist coverages.
4. Travelers
Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.
5. Shelter
Shelter is based in Missouri and offers various insurance products in select states. In addition to standard car insurance coverage options, Shelter offers optional add-ons like gap insurance, accidental death protection and loss of use coverage. Roadside assistance and new car replacement coverage are included in all Shelter policies. In addition, the company offers many ways to save with its list of discount opportunities.
Cheapest full-coverage car insurance in Kentucky
If you’re looking for more than just bare-bones auto insurance protection or have a loan or lease agreement that requires coverage beyond the state minimum, you may be interested in full-coverage car insurance.
Full-coverage auto insurance typically includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The companies below have the lowest estimated rates for drivers interested in full-coverage insurance for our Kentucky driver profile.
5 cheapest full-coverage car insurance companies in Kentucky
| 1 | Travelers | $144.92/month |
| 2 | Shelter | $151.00/month |
| 3 | Auto-Owners Insurance | $151.42/month |
| 4 | Kentucky Farm Bureau | $159.58/month |
| 5 | Cincinnati Insurance | $159.71/month |
Cheapest state-minimum car insurance in Kentucky
State-minimum insurance is the amount of coverage that’s required to register and drive your car legally. It’s basic and so likely the least-expensive type of auto insurance coverage.
The five following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in Kentucky for state-minimum coverage
| 1 | Cincinnati Insurance | $33.92/month |
| 2 | Kentucky Farm Bureau | $34.50/month |
| 3 | Westfield | $47.38/month |
| 4 | Travelers | $51.83/month |
| 5 | Shelter | $56.29/month |
Cheapest car insurance for good credit in Kentucky
Your credit can affect how much you pay for car insurance. A higher credit score can sometimes translate to a lower monthly premium.
If you have good credit and are looking for cheap car insurance, you may want to check out these five insurers.
5 cheapest car insurance companies in Kentucky for those with good credit
| 1 | Kentucky Farm Bureau | $25.53/month |
| 2 | Cincinnati Insurance | $28.85/month |
| 3 | Westfield | $37.53/month |
| 4 | Auto-Owners Insurance | $39.46/month |
| 5 | Travelers | $42.14/month |
Cheapest car insurance for poor credit in Kentucky
If your credit isn’t great, you can still qualify for cheap auto insurance from several providers.
The following companies have the lowest estimated rates on basic coverage for drivers considered to have poor credit.
5 cheapest car insurance companies in Kentucky for those with poor credit
| 1 | Cincinnati Insurance | $58.83/month |
| 2 | Westfield | $92.46/month |
| 3 | Travelers | $97.58/month |
| 4 | Kentucky Farm Bureau | $98.42/month |
| 5 | Nationwide | $102.88/month |
Cheapest car insurance for drivers with multiple claims in Kentucky
Your claims history, or loss history report, is a record of your insurance claims in the past five years. It can also affect how much you pay for insurance.
These five companies have the lowest estimated rates on basic auto coverage for drivers with multiple insurance claims.
5 cheapest car insurance companies in Kentucky for multiple claims
| 1 | Kentucky Farm Bureau | $47.58/month |
| 2 | Cincinnati Insurance | $83.33/month |
| 3 | Travelers | $86.67/month |
| 4 | Shelter | $92.92/month |
| 5 | Auto-Owners Insurance | $109.96/month |
Cheapest car insurance for young drivers in Kentucky
Your age can also affect how expensive your car insurance is. Younger, less experienced drivers may pay more for car insurance.
Here are the five cheapest car insurance companies in Kentucky for drivers between 18 and 21 with basic insurance coverage.
5 cheapest car insurance companies in Kentucky for young drivers
| 1 | Kentucky Farm Bureau | $57.83/month |
| 2 | Cincinnati Insurance | $74.29/month |
| 3 | Travelers | $76.42/month |
| 4 | Westfield | $78.50/month |
| 5 | USAA | $100.52/month |
Kentucky auto insurance requirements
All Kentucky drivers must carry minimum liability coverage of $25,000 for bodily injury damages and $50,000 in total bodily liability per accident (if more than one person sustains injuries from the accident). Kentucky also requires $25,000 in property damage liability. Alternatively, you can carry a policy with a single limit of $60,000.
Auto policies must also provide “basic reparations benefits,” also referred to as personal injury protection, which can cover medical expenses and, in some cases, lost wages, funeral expenses and other out-of-pocket costs.
Is usage-based insurance available in Kentucky?
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behaviors and mileage. Kentucky currently offers usage-based insurance, also known as telematics-based insurance.
FAQs about the cheapest car insurance rates in Kentucky
Credit Karma found that the cheapest car insurance in Kentucky ranges from just over $80 up into the $200s based on our Kentucky driver profile. The cost of your car insurance premium depends on several factors, including your age, driving history, the kind of car you drive and the type of policy you buy. You may also be eligible for different discounts for having certain safety features in your car, bundling multiple insurance policies or being a safe driver.
Kentucky requires drivers to maintain car insurance, with a few exceptions. College students in Kentucky may keep their out-of-state insurance if they have a current student ID card from a Kentucky school. Active-duty military personnel can also use out-of-state insurance to register a car in Kentucky.
It’s illegal to drive a car without insurance in Kentucky. Drivers in the state who don’t maintain auto insurance will have their registration revoked. They may also be subject to a fine of $500 to $1,000, up to 90 days in jail, or both.
Methodology
This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Kentucky. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes Kentucky-mandated 25/50/25 insurance policy.