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USAA provides the cheapest car insurance in Kentucky at about $1,538 a year. Your specific rates may vary, but the average car insurance premium in Kentucky is $175 per month, according to Insure.com’s rate analysis.

Car insurance is a legal requirement in most states, and Kentucky is no exception. Kentucky drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

The top 3 cheap car insurance in Kentucky

Cheapest overall: USAA
$1,538/year
National avg. rate
Cheapest for at-fault accident: State Farm
$1,670/year
Avg. rate after an at-fault accident
Cheapest for speeding ticket: State Farm
$1,562/year
Avg. rate after speeding ticket

Cheap car insurance companies in Kentucky

USAA offers the cheapest car insurance in Kentucky an average of $1,538 per year. It’s 27% less expensive than the average car insurance cost in Kentucky. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from cheapest car insurance companies.

CompanyAverage annual rates
USAA$1,538
Geico$1,609
State Farm$1,609
Travelers$1,632
Nationwide$1,730
Auto-Owners$1,748
Progressive$2,093
Kentucky Farm Bureau$2,204
Allstate$2,614
Farmers Insurance$4,277

How we choose the cheap car insurance companies in Kentucky

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40+

Carriers reviewed
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56M+

Quotes analysed
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29K+

Cities examined
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34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Kentucky

42303 ZIP code in Kentucky has the cheapest auto insurance cost at an average price of $1,435 annually. Know the cheapest ZIP codes for car insurance in Kentucky below.

ZIP codeAverage annual rates
42303$1,435
41075$1,448
42301$1,449
41076$1,464
41042$1,487
41017$1,493
41005$1,494
41073$1,494
40514$1,496
41085$1,499

Cheapest car insurance in Kentucky by age

Young drivers in Kentucky tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 363% more than a 40-year-old mature driver in Kentucky, based on Insure.com’s analysis.

The table below shows cheapest car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$7,634
Young drivers (age 20-24)$3,698
Adult drivers (age 25-64)$2,149
Senior drivers (age 65+)$2,061

Read our Guide to car insurance for teens for more information

Cheapest car insurance in Kentucky by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Kentucky

Here is the list of the top 3 companies that offer cheap car insurance after a speeding ticket:

  • State Farm: $1,562 per year
  • Auto-Owners: $1,954 per year
  • USAA: $2,077 per year

A single speeding ticket can increase your rates by 29% or $598 in Kentucky, based on Insure.com data.

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up.

But if you’re looking for cheapest car insurance costs in Kentucky, below are some insurers that offer cheap car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,455$1,5627%$107
Auto-Owners$1,683$1,95416%$271
USAA$1,610$2,07729%$467
Geico$1,597$2,23640%$638
Nationwide$1,744$2,26030%$516
Kentucky Farm Bureau$2,325$2,3250%$0
Travelers$1,683$2,51249%$829
Allstate$2,388$2,81618%$427
Progressive$2,349$3,08932%$741
Farmers$4,091$5,91345%$1,822

Cheapest car insurance after an accident in Kentucky

Here is the list of the top 3 companies that offer cheap car insurance after an accident:

  • State Farm: $1,670 per year
  • Auto-Owners: $2,155 per year
  • Travelers: $2,447 per year

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1670 a year. 

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,455$1,67015%$215
Auto-Owners$1,683$2,15528%$472
Travelers$1,683$2,44745%$764
USAA$1,610$2,59761%$987
Geico$1,597$2,62464%$1,026
Nationwide$1,744$2,78159%$1,037
Kentucky Farm Bureau$2,325$3,12334%$798
Progressive$2,349$3,85864%$1,509
Allstate$2,388$3,89263%$1,504
Farmers$4,091$7,79391%$3,703

Cheapest car insurance after a DUI conviction in Kentucky

Here is the list of the top 3 companies that offer cheap car insurance after a DUI conviction:

  • State Farm: $1,562 per year
  • Travelers: $2,700 per year
  • USAA: $2,701 per year

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,455$1,5627%$107
Travelers$1,683$2,70060%$1,017
USAA$1,610$2,70168%$1,091
Progressive$2,349$2,99427%$645
Allstate$2,388$3,15532%$767
Nationwide$1,744$3,47099%$1,726
Geico$1,597$3,625127%$2,028
Auto-Owners$1,683$3,722121%$2,039
Kentucky Farm Bureau$2,325$5,481136%$3,155
Farmers$4,091$10,489156%$6,399

Average car insurance cost in Kentucky

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Kentucky is 25% more than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

What is full coverage car insurance in Kentucky?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Kentucky, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Final thoughts

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, make sure to compare insurance rates from various car insurance companies to get the cheapest car insurance coverage in Kentucky

Source:

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes. 

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary. 

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