Best and Cheapest Car Insurance in Kentucky (Your Guide to the Top 10 Companies for 2024)
The top pick overall for the best and cheapest car insurance in Kentucky are USAA, Geico and State Farm also offering competitive rates.
By examining thousands of reviews from impartial policyholders, we help you find the best coverage at the most competitive price. Explore our detailed comparisons to see how these leading providers can meet your needs.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $26 | Military Savings | A++ | USAA |
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#2 | $29 | Employee Discount | A++ | Geico |
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#3 | $36 | Customer Service | B | State Farm |
 |
#4 | $41 | Coverage Options | A+ | Progressive |
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#5 | $51 | Bundling Policies | A++ | Travelers |
 |
#6 | $60 | Loyalty Discounts | A | American Family |
 |
#7 | $61 | RightTrack Program | A | Liberty Mutual |
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#8 | $67 | Simple Claims | A+ | Nationwide |
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#9 | $72 | Group Discounts | A | Farmers |
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#10 | $86 | Full Coverage | A+ | Allstate |
This guide helps you understand their performance, ensuring you choose the best and cheapest car insurance in Kentucky to fit your needs and budget.
Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool above today.
What You Should Know
- USAA offers exceptional customer service, military savings, and employee discounts
- Find the best and cheapest car insurance in Kentucky with rates starting at $26/month
- Compare options to find coverage that fits your needs and budget, with various discounts available
On this page:
- USAA: Top Overall Pick
- Geico: Best for Employee Discount
- State Farm: Best for Customer Service
- Progressive: Best for Coverage Options
- Travelers: Best for Bundling Policies
- American Family: Best for Loyalty Discounts
- Liberty Mutual: Best for RightTrack Program
- Nationwide: Best for Simple Claims
- Farmers: Best for Group Discounts
- Allstate: Best for Full Coverage
- Comparing Car Insurance Costs Among Top Providers
- Finding the Cheapest Car Insurance Rates for Teen Drivers
- Cheapest Car Insurance Rates for Married Couples in Kentucky
- Cheapest Senior Car Insurance Rates in Kentucky
- Exploring Affordable Car Insurance Varies by City
- High-Cost Areas for Car Insurance in Kentucky
- The Impact of Kentucky's No-Fault Status on Car Insurance Rates
- Understanding Minimum Coverage Policies Required in Kentucky
- Understanding Car Insurance Rate Calculation in Kentucky
- Smart Strategies for Saving Money on Car Insurance in Kentucky
- Clearsurance Helps You Choose Affordable Auto Insurance
- Finding the Best and Cheapest Car Insurance in Kentucky
#1 – USAA: Top Overall Pick
Pros
- Exclusive Member Benefits: USAA offers additional financial services, such as banking and investment options, exclusively to its members in Kentucky.
- Superior Customer Service: USAA customer reviews highlight its high customer satisfaction and personalized service for policyholders in Kentucky.
- Military-Focused Discounts: Special discounts for active military, veterans, and their families, which are significant in a state with a strong military presence like Kentucky.
Cons
- Eligibility Restrictions: Limited to military members and their families, excluding many potential Kentucky customers.
- Higher Premiums for Young Drivers: Younger drivers in Kentucky might find USAA's premiums higher compared to other providers.
#2 – Geico: Best for Employee Discount
Pros
- Competitive Rates: Known for offering some of the lowest premiums, making it an attractive option for budget-conscious drivers in Kentucky.
- Employee Discounts: Special discounts for Kentucky state employees, educators, and federal workers.
- Extensive Online Tools: Robust online and mobile app features allow Kentucky drivers to manage their policies, file claims, and receive quotes easily. To gain further insights, consult our comprehensive guide titled "Tips We Learned After Filing An Car Insurance Claim."
Cons
- Average Customer Service: While improving, Geico's customer service doesn't always match the personalized service of competitors like USAA.
- Limited Local Agents: Fewer local agents in Kentucky, which may affect those who prefer face-to-face interactions.
#3 – State Farm: Best for Customer Service
Pros
- Local Agents: A wide network of local agents throughout Kentucky offers personalized service and support, according to State Farm insurance customer reviews.
- Discounts for Safe Drivers: Substantial discounts for safe driving records, making it ideal for careful drivers in Kentucky.
- Comprehensive Coverage: Offers a wide range of coverage options, including rental and rideshare insurance, catering to the needs of Kentucky residents.
Cons
- Higher Premiums: Generally higher premiums compared to budget insurers like Geico, which might not suit all Kentucky drivers.
- Limited Online Features: State Farm's online tools and mobile app features can be less advanced than competitors, affecting tech-savvy customers in Kentucky.
#4 – Progressive: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Progressive insurance customer reviews highlight a variety of coverage options designed to cater to the specific needs of Kentucky drivers, including specialized policies for high-risk individuals.
- Competitive Rates: Progressive provides competitive pricing for both minimum and full coverage options, making it an attractive choice for cost-conscious Kentuckians.
- 24/7 Customer Service: Progressive’s round-the-clock customer service ensures that Kentucky drivers can get assistance at any time, whether they’re dealing with a claim or just have a question.
Cons
- Higher Rates for High-Risk Drivers: While Progressive offers coverage for high-risk drivers, the rates can be significantly higher compared to other insurers.
- Complex Discounts: Some Kentucky drivers may find Progressive’s discount programs, such as the Snapshot program, complex and difficult to maximize.
#5 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Kentucky drivers can achieve considerable savings by combining their auto insurance with other policies, like home or renters insurance, through Travelers Companies, Inc. customer reviews.
- Extensive Coverage Options: Travelers offers a variety of coverage options tailored to meet the needs of Kentucky drivers, including comprehensive and collision coverage.
- Accident Forgiveness: Travelers offers accident forgiveness, which can be especially beneficial for Kentucky drivers, preventing rate hikes after their first at-fault accident.
Cons
- Higher Premiums for Some Drivers: Some Kentucky drivers may find Travelers’ premiums higher than other insurers, particularly for young or high-risk drivers.
- Limited Online Tools: Compared to other insurers, Travelers’ online tools and mobile app may be less user-friendly for tech-savvy Kentucky customers.
#6 – American Family: Best for Loyalty Discounts
Pros
- Customizable Policies: American Family insurance customer ratings show that Kentucky drivers can personalize their policies to include only necessary coverage, potentially saving on unnecessary extras.
- Strong Customer Service: American Family is known for its strong customer service, providing Kentucky drivers with reliable support when they need it.
- Safe Driver Discounts: American Family rewards safe drivers with discounts, which can be a significant advantage for cautious Kentucky motorists.
Cons
- Limited Availability: American Family is not available in all areas of Kentucky, which can limit options for some drivers.
- Higher Rates for Certain Demographics: Some Kentucky drivers, particularly young or high-risk drivers, may find American Family’s rates higher than other insurers.
#7 – Liberty Mutual: Best for RightTrack Program
Pros
- Local Agents in Kentucky: Liberty Mutual insurance customer reviews highlight the company's strong presence in Kentucky, where numerous local agents are well-versed in the state's specific needs and regulations.
- RightTrack Program: Offers significant discounts for safe driving habits, which is particularly beneficial in Kentucky's varied driving conditions.
- Comprehensive Coverage Options: Provides extensive coverage options including home and auto bundle discounts which are popular among Kentucky homeowners.
Cons
- Higher Premiums: Generally, Liberty Mutual’s rates can be higher compared to other insurers in Kentucky.
- Discount Limitations: Some discounts offered by Liberty Mutual might not be as competitive or applicable in Kentucky.
#8 – Nationwide: Best for Simple Claims
Pros
- Strong Financial Stability: Nationwide’s robust financial health provides reliability for policyholders in Kentucky.
- Vanishing Deductible Program: This program rewards Kentucky drivers by reducing their deductible for every year of safe driving.
- Broad Coverage Options: Nationwide customer reviews highlight the variety of coverage options available, tailored to meet the diverse needs of Kentucky drivers, including specialty vehicle insurance.
Cons
- Claims Process: Some Kentucky customers have reported that the claims process can be slow or cumbersome.
- Discount Restrictions: Certain discounts might have limitations or be difficult to qualify for in Kentucky.
#9 – Farmers: Best for Group Discounts
Pros
- Personalized Coverage: Farmers’ agents in Kentucky provide customized insurance solutions that cater to the unique needs of Kentucky residents.
- Affordability for Groups: Farmers insurance customer ratings highlight their excellent group discounts, which are especially beneficial for the many community organizations in Kentucky.
- Comprehensive Home and Auto Bundling: Attractive discounts for bundling policies, especially valuable for Kentucky homeowners.
Cons
- Customer Service Variability: Some Kentucky customers have experienced inconsistent customer service quality.
- Limited Availability of Discounts: Not all discounts are available to Kentucky residents, potentially limiting savings.
#10 – Allstate: Best for Full Coverage
Pros
- Comprehensive Coverage Options: Allstate customer reviews highlight the variety of coverage options available, ensuring Kentucky drivers can find policies tailored to their specific needs.
- Local Agents: With a strong presence in Kentucky, Allstate provides personalized service through local agents who understand the unique insurance needs of Kentucky residents.
- Accident Forgiveness: Allstate’s accident forgiveness program helps Kentucky drivers avoid rate increases after their first accident.
Cons
- Higher Premiums: Allstate’s comprehensive coverage options may come at a higher cost compared to other providers in Kentucky.
- Mixed Customer Reviews: Some Kentucky customers report dissatisfaction with claim processing times.
Comparing Car Insurance Costs Among Top Providers
When comparing car insurance costs among top providers, it's essential to evaluate both minimum and full coverage rates to find the best value. This comparison reveals significant price differences, helping drivers choose the most cost-effective option without sacrificing coverage quality.
Notable companies like USAA, Geico, and State Farm offer some of the most competitive rates in the market, ensuring that drivers can secure reliable insurance that fits their budget. To broaden your understanding, explore our comprehensive resource on insurance coverage titled "Genius Ways to Save Money."
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $86 | $236 |
| American Family | $60 | $164 |
| Farmers | $72 | $197 |
| Geico | $29 | $80 |
| Liberty Mutual | $61 | $168 |
| Nationwide | $67 | $184 |
| Progressive | $41 | $111 |
| State Farm | $36 | $98 |
| Travelers | $51 | $139 |
| USAA | $26 | $72 |
When comparing car insurance costs among top providers, USAA, Geico, and State Farm stand out for their competitive pricing. USAA offers the lowest rates, with minimum coverage costing just $26 and full coverage at $72, making it an attractive option for eligible members. Geico also provides affordable plans, charging $29 for minimum coverage and $80 for full coverage. State Farm maintains competitive pricing as well, with minimum coverage at $36 and full coverage at $98. These providers offer budget-friendly options without compromising on the quality of coverage.
In Kentucky and Iowa, top insurance providers offer various discounts to help drivers save on premiums. USAA provides discounts for safe drivers, homeowners, early sign-ups, accident-free records, and timely payments. Geico offers savings for defensive driving, new customers, anti-theft measures, advanced safety features, and full payments. State Farm presents discounts for safe driving, defensive driving courses, good students, paperless billing, and new move-ins. These discounts can make car insurance more affordable for drivers in these states.
Finding the Cheapest Car Insurance Rates for Teen Drivers
USAA provides the cheapest car insurance for teens in Kentucky. This is true for both male and female drivers. Parents and teens can decide what other coverage, if any, they feel they need. As a side note, if you are driving a leased or financed car, your lender may also require you to carry comprehensive and collision coverage. Think of it like property damage coverage. For a comprehensive analysis, refer to our detailed guide titled "Tips For Switching Off Your Parents' Car Insurance."
Teens don't typically have the benefit of a clean driving record. It's not because some teens aren't good drivers. It's because they just haven't been on the road for long enough. If you're getting an insurance quote for a teen driver in your home, always check to see what discount options your insurer has. They may offer one if your teen takes a defensive driving course, or if they have a clean record in school.
The table below presents the monthly car insurance rates for 18-year-old drivers from various insurance companies, with a focus on comparing costs between female and male demographics. By examining these rates, we aim to identify the most affordable car insurance options for teen drivers, taking into account the differences in premiums based on gender and age.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $178 | $315 |
| American Family | $176 | $239 |
| Farmers | $351 | $369 |
| Geico | $81 | $112 |
| Liberty Mutual | $238 | $263 |
| Nationwide | $186 | $234 |
| Progressive | $357 | $408 |
| State Farm | $104 | $130 |
| Travelers | $356 | $570 |
| USAA | $72 | $76 |
These rates are based on profiles for 18-year-old male and female drivers in Kentucky. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for Married Couples in Kentucky
USAA offers the cheapest car insurance rates for married couples in Kentucky on average out of the 10 largest insurers in the state. You'll still be provided coverage per person even if you have your insurance bundled together. For detailed information, refer to our comprehensive report titled "Can I Remove my Spouse from my Car Insurance?"
The table provides a comprehensive comparison of monthly car insurance rates for married couples in Kentucky, detailing the premiums charged by various insurance companies. It takes into account demographic factors specific to married couples, offering insights into how different providers price their policies for this particular group. The data helps to identify the most affordable options available, aiding in informed decision-making for car insurance.
| Insurance Company | Rates |
|---|---|
| Allstate | $101 |
| American Family | $75 |
| Farmers | $93 |
| Geico | $35 |
| Liberty Mutual | $64 |
| Nationwide | $86 |
| Progressive | $59 |
| State Farm | $45 |
| Travelers | $63 |
| USAA | $37 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had a clean driving record with one driving incident within the past three years, and they both had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in Kentucky
USAA provides the cheapest car insurance rates for male and female senior drivers on average when compared with the other largest companies in Kentucky. Seniors across different zip codes benefit from USAA's large size and reach. They offer friendly online and phone service. The longer you stay with USAA, the more you save. To enhance your understanding, explore our comprehensive resource on insurance titled "What To Know About Buying Auto Insurance Online?"
The table below provides a detailed comparison of the monthly car insurance rates for senior drivers in Kentucky. It highlights the premiums charged by various insurance companies for both male and female drivers aged 65. This data helps to identify the most affordable options available for senior drivers in the state, offering insight into how rates may vary based on gender and insurer.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $85 | $85 |
| American Family | $58 | $59 |
| Farmers | $71 | $71 |
| Geico | $29 | $29 |
| Liberty Mutual | $56 | $60 |
| Nationwide | $67 | $66 |
| Progressive | $42 | $40 |
| State Farm | $35 | $35 |
| Travelers | $49 | $50 |
| USAA | $26 | $26 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.
Of course, if seniors are married and put multiple cars under the same policy or bundle with homeowners or other policies, they'll enjoy the same benefits as other married couples. The cheapest auto insurance is often a matter of combining different discounts.
Exploring Affordable Car Insurance Varies by City
While there are many factors that help determine your car insurance rates, it's important to know that the area you live in affects your rates. The cheapest area in Kentucky for car insurance on average is the city of Owensboro.
This table presents monthly car insurance rates across various cities, taking into account several key factors, including age, gender, driving history, and vehicle type, to highlight how these factors influence the affordability of insurance premiums in each location. For a comprehensive overview, explore our detailed resource titled "How To Buy Car Insurance (Consumer Guide)"
| City | Rates |
|---|---|
| Owensboro | $102 |
| Maceo | $104 |
| Fort Thomas | $104 |
| Utica | $104 |
| Philpot | $105 |
| Silver Grove | $107 |
| Erlanger | $107 |
| Dayton | $107 |
| Bellevue | $107 |
| Alvaton | $107 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. This is a representation of the average cost. Exact costs will vary by individual.
High-Cost Areas for Car Insurance in Kentucky
Some areas in Kentucky can be more expensive for car insurance than others if there is more crime or car accidents that tend to happen in your area. On average, the most expensive area in Kentucky for car insurance is the area of Saul followed closely by the Goose Rock area. To gain profound insights, consult our extensive guide titled "Why Is Car insurance So Expensive?"
This table presents the monthly car insurance rates for various high-cost areas in Kentucky, highlighting specific cities and their respective average premiums. The data considers demographics such as the city location, population density, local accident rates, and other regional risk factors that influence insurance costs. Here, you can see how these factors contribute to the variation in insurance premiums across different cities within the state.
| City | Rates |
|---|---|
| Saul | $205 |
| Goose Rock | $202 |
| Waneta | $201 |
| Hoskinston | $200 |
| Saint Helens | $199 |
| Lone | $199 |
| Lookout | $196 |
| Gray Hawk | $196 |
| Dema | $191 |
| Raven | $191 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.
The Impact of Kentucky's No-Fault Status on Car Insurance Rates
If you’ve ever had car insurance in Kentucky, you’ve likely heard the term 'no-fault insurance.' But what exactly does it mean? If you're in a fault accident caused by someone else, wouldn't you want them to take responsibility?
No-fault insurance covers injury-related expenses for you and your passengers if you're injured in a car accident, regardless of who caused the accident. It's not a matter of releasing anybody from responsibility. Rather, if the other side's insurer is investigating the claim, you don't have to wait around. Your insurance will pay based on your coverage, and then they'll work it out with the other party's insurance.
The advantage to no-fault insurance is that you don’t have to wait on the other driver’s insurance company to pay if you are injured in an accident caused by another driver. However, your ability to sue another driver is limited to situations that meet a certain threshold.
The thresholds are $1,000 in medical expenses, a broken bone, permanent disfigurement, permanent injury or death, according to Kentucky’s state insurance website.
The other required coverage in Kentucky is liability insurance. The minimum coverage required by the state are outlined below, but it's important to consider purchasing higher limits so that you and your assets are protected in the event of a costly accident. You may consider yourself a safe driver, but that doesn't stop someone else from reckless driving and endangering your life.
Understanding Minimum Coverage Policies Required in Kentucky
Yes, there is a minimum requirement for insurance in Kentucky. The liability limits are set in place to ensure that the average driver will be safe on the road no matter what.
Optional coverages in Kentucky include collision insurance and comprehensive insurance, which protect your vehicle in accidents or from other things, such as natural disasters or theft. You can learn more about different car insurance coverages and what the limits mean here.
Kentucky state minimum requirements:
Here is a list of Kentucky's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Personal injury protection provides coverage for any medical expenses or income loss that result from a car accident. It also provides coverage, up to the policy's limits, for family members in the vehicle and for a few other situations.
Kentucky's Uninsured Motorist Percentage
Another optional auto insurance coverage in Kentucky is uninsured and underinsured motorist coverage. Thisoffers you protection against drivers who don't have insurance or drivers who don't have high enough limits to pay you in a claim. Average drivers in Kentucky benefit from a more comprehensive insurance plan. One of the most important questions you should ask is about your own monthly budget.
Do you have substantial savings? Are you just getting by? If you're living paycheck to paycheck or otherwise struggling financially, it might seem obvious that you should go with the cheapest options. But it could end up being just the opposite.
If you don't have significant savings, you should pay a little more each month for comprehensive coverage that will restore your car in the event of a crash. Having something such as bodily injury liability per person included on your policy could help you avoid paying for someone else's medical bills out of your own pocket.
Understanding Car Insurance Rate Calculation in Kentucky
When searching and comparing quotes from the best auto insurance companies in Kentucky, it can be frustrating trying to understand how your insurance rates are calculated.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
Monthly premiums can be different for the same driver and their vehicle if you go to a different insurance company. Sometimes, drivers that look the same may get different rates because of their address, or if one driver applies all the discounts available to them. It may be surprising that two drivers with similar cars and the same insurance discounts could a pay different average rate just because they live in opposing counties. Check out our ranking of the top providers: Best Low-Mileage Car Insurance Companies
If your car has more safety features, it could cost you less to insure it. The same can be said regarding your replacement cost; if your vehicle doesn't require any additional coverage based on its age and model you'll see lower average premiums.
Smart Strategies for Saving Money on Car Insurance in Kentucky
At the end of the day, we'd all like to have the best coverage levels at a cheap, affordable price from one of the best Kentucky car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle Policies
- Raise Deductibles
- Pay in Full
- Try Usage-Based Insurance
- Shop for Better Rates
Should you need assistance with these options, you can reach out to your current provider to talk about the changes you'd like to make to the coverage you have, or to check and see if there are cheaper coverage policies that you could pay in full. To expand your knowledge, refer to our comprehensive handbook titled "Will My Insurance Policy Cover My Claim."
Don't purchase a more expensive policy just because they say you need one. You could end up with coverage that you'll never end up using. Always ask questions, and if you feel as though you're not getting a great deal, as mentioned above you can look to other providers for competitive rates.
Clearsurance Helps You Choose Affordable Auto Insurance
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. These factors are all combined to give shoppers a brutally honest evaluation of auto insurance providers across the country. For a thorough understanding, refer to our detailed analysis titled "When to File a Car Insurance Claim."
Finding the Best and Cheapest Car Insurance in Kentucky
Whether you're buying your insurance direct or going through an agent, a vehicle owner should understand the different car insurance coverage options that are in the market. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
This guide offers tailored advice for teens, married couples, seniors, and single adults, helping you find the best coverage at the lowest price. We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Frequently Asked Questions
What is the best and cheapest insurance for car?
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
How does car insurance work in Kentucky?
Is Kentucky a no-fault state? Yes, Kentucky is a no-fault state. This means that in the event of an accident, each driver's personal injury protection (PIP) insurance covers their own injuries and damages up to their policy limits, regardless of who was at fault.
What is full coverage in Kentucky?
Full coverage insurance in Kentucky is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.
How much is car insurance per month in Kentucky?
The average cost of car insurance in Kentucky is $225 per month for full coverage and $65 per month for minimum coverage.
What is the average cost of auto insurance in Kentucky?
The average cost of car insurance in Kentucky is $89 per month, or $1,064 per year, for minimum-liability insurance. Kentucky drivers can also find affordable car insurance with State Farm. A minimum-coverage policy from State Farm costs $56 per month.
What is the minimum car insurance in Kentucky?
The minimum amount of Kentucky auto insurance coverage is $25,000/$50,000/$10,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $10,000 for damage to another person's property.
Why is car insurance in Kentucky so expensive?
Highway density Kentucky has high traffic density, and a high number of drivers on the road increases the risk factor for accidents and crashes. Insurance companies charge more for car insurance in states like Kentucky because the high traffic density means customers are more likely to file claims.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
Which insurance cover is best for car?
Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.
Can you go to jail for no insurance in Kentucky?
Driving without insurance in Kentucky may also result in jail time. For a first offense, you may have to serve up to 90 days in jail in addition to paying fines. For a second offense and offenses after that, you may have to serve up to 180 days in jail.