Best and Cheapest Car Insurance in Kentucky as Rated by Customers in 2022

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#1
/43
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4.73 ★★★★★
4.73 ★★★★★
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#2
/43
4.55 ★★★★★
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#3
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4.29 ★★★★★
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When you're deciding on a Kentucky car insurance company to protect your car in the event of an accident, you'll want to make sure you're going with the best and most affordable option for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Kentucky.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies. So you can evaluate and compare the best Kentucky car insurance companies.

In the table above, you can sort through all the Kentucky car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Kentucky car insurance rankings.

Interested in learning more about one of these car insurance companies? You can visit the company's profile page to find out what additional coverage they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders. You may find that they offer discounts for safe driving, and you can also see if they meet the minimum state requirements in terms of what coverage they offer.

On this page:

Where can you get the cheapest rates for teen drivers?

Kentucky Farm Bureau provides the cheapest car insurance for teens in Kentucky. This is true for both male and female drivers. Their policies meet the minimum requirement to get you on the road. Parents and teens can decide what other coverage, if any, they feel they need. Especially when starting out, we recommend always carrying strong personal injury coverage.

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. You're not technically the owner, and the owner simply wants to protect what is theirs.

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.

Company Female teen ratesMale teen rates
Allstate Insurance $3,631 $4,093
Geico $2,124 $1,965
Kentucky Farm Bureau $1,305 $1,189
Progressive $4,503 $4,863
State Farm Insurance Company $1,344 $1,543

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.

Who offers the cheapest car insurance rates for married couples in Kentucky?

GEICO offers the cheapest car insurance rates for married couples in Kentucky on average out of the five largest insurers in the state. You'll still be provided coverage per person even if you have your insurance bundled together.

The table below displays Kentucky car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $2,231
Geico $1,419
Kentucky Farm Bureau $1,745
Progressive $2,374
State Farm Insurance Company $2,241

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.

Who offers the cheapest senior car insurance rates in Kentucky?

GEICO 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 GEICO's large size and reach. They offer friendly online and phone service. The longer you stay with GEICO, the more you save.

Company Female senior ratesMale senior rates
Allstate Insurance $1,513 $1,608
Geico $905 $905
Kentucky Farm Bureau $973 $973
Progressive $1,390 $1,418
State Farm Insurance Company $1,024 $1,024

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.

Is affordable car insurance different based on 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.

In the table below, you can see the top ten cheapest areas in Kentucky for car insurance based on average rates for a single adult.

Area Car insurance rates
Owensboro $1,227
Maceo $1,250
Fort Thomas $1,253
Utica $1,253
Philpot $1,257
Silver Grove $1,279
Erlanger $1,280
Dayton $1,282
Bellevue $1,283
Alvaton $1,285

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.

Are there places in Kentucky that are expensive to insure?

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.

The table below displays the top 10 most expensive areas in Kentucky for car insurance based on average rates for a single adult.

Area Car insurance rates
Saul $2,457
Goose Rock $2,429
Waneta $2,408
Hoskinston $2,394
Saint Helens $2,387
Lone $2,387
Lookout $2,357
Gray Hawk $2,346
Dema $2,291
Raven $2,288

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.

Does Kentucky's no-fault status change what your auto insurance rate will be?

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.

Are there minimum coverage policies that are 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 <a href="blog/what-is-collision-insurance-coverage" target="_blank">collision insurance</a> and <a href="blog/what-is-comprehensive-insurance" target="_blank">comprehensive insurance</a>, 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 <a href="blog/a-practical-guide-for-understanding-car-insurance" target="_blank">here</a>.

Kentucky state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Personal injury protection:

  • $10,000 per person

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.

What is 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. In Kentucky, 11.5 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. That is the 26th highest percentage of any state.

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.

How are car insurance rates calculated 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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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.

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.

How do you save money on your 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 six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates
  • Check available discounts through your credit union and more

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.

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.

How can Clearsurance help 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.

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?

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.

Frequently Asked Questions

Who offers the lowest rate on an auto policy for teen drivers in Kansas? 

Out of the five most popular car insurance companies in Kentucky, both male and female Kentucky teens can find the cheapest car insurance from Kentucky Farm Bureau on average.

Which insurer provides the cheapest rates for drivers who are married in Kansas? 

GEICO offers the cheapest car insurance rates for married couples in Kentucky on average out of the five largest insurers in the state.

What company offers the cheapest option for coverage to seniors in Kansas? 

GEICO provides the cheapest car insurance rates for male and female senior drivers on average when compared with the other largest companies in Kentucky.

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