INSURANCE - CAR INSURANCE

Best Car Insurance in Kentucky for 2024

Updated Feb. 9, 2024
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State Farm offers Kentucky's most affordable full and minimum car insurance.

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While Kentucky may be best known for horse races and bourbon, it also enjoys a relatively low cost of living compared to other states. However, car insurance prices tend to be higher in the Bluegrass State. While Kentucky residents may pay more than drivers in other states, some deals are available if you know where to look.

In this article

Key takeaways

  • The best car insurance in Kentucky is State Farm, which costs an average of $1,175 yearly for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $147 monthly in Kentucky.
  • Louisville drivers pay the most for car insurance, an average of $2,501 yearly.

Best car insurance companies in Kentucky

The best car insurance in Kentucky by price is State Farm, which costs an average of $1,175 a year for full coverage and $454 for the state’s minimum coverage.

Although State Farm has the cheapest coverage, it earned third place in customer satisfaction, behind USAA and Farm Bureau. Nationwide offers the most expensive full and minimum coverage, costing an average of $2,331 and $1,340 annually.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 876/1,000 $1,318/year $490/year
Farm Bureau 866/1,000 $1,404/year $456/year
State Farm 847/1,000 $1,175/year $454/year
Progressive 836/1,000 $1,547/year $985/year
Nationwide 834/1,000 $2,331/year $1,340/year
Allstate 832/1,000 $2,058/year $1,039/year
GEICO 828/1,000 $1,663/year $768/year

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USAA: Highest customer satisfaction

USAA had the highest customer satisfaction rating in Kentucky, earning 876 out of 1,000. It offers full coverage car insurance for an average of $1,318 annually, the second lowest in the state. USAA’s minimum car insurance costs an average of $490 per year. While it has standard policies, it doesn’t provide many specialty options. Also, only current and former military members and their families qualify for policies.

Pros
  •  USAA had the highest customer satisfaction scores in Kentucky
  •  It offers various discounts, including a Safe Pilot program with up to 30% savings
Cons
  •  USAA policies are only available to current and former military members and their families
  •  You may find better pricing on minimum coverage with a competitor

Get a quote now | USAA review

Farm Bureau: Best for ease of use

Kentucky Farm Bureau earned the second-highest customer satisfaction score in the state and offered the second-best cost for minimum car insurance, an average of $456 annually. Because agents are local to Kentucky communities, getting the right policy and filing a claim may be easier than with some national competitors. A Farm Bureau membership also provides deals outside car insurance, like identity theft protection and prescription savings.

Pros
  •  Farm Bureau has multiple coverage options, including rental and towing coverage
  •  It offers extra discounts, including on hotels, buying a new car, and home improvements
Cons
  •  You may find more coverage options with another provider
  •  Its full coverage insurance was more expensive than some competitors

Get a quote now | Farm Bureau review

State Farm: Most affordable coverage

State Farm offers Kentucky’s cheapest full and minimum car insurance and has various policy options. However, it only earned third place in customer satisfaction scores. Despite this, State Farm is a good choice because it offers multiple coverage options, including specialty policies like rideshare driver coverage and discounts for those who qualify.

Pros
  •  There are multiple State Farm agents throughout Kentucky
  •  Its good driver discounts can help you save significantly on your auto insurance
Cons
  •  State Farm earned third place in Kentucky customer satisfaction scores
  •  You may find more specialty policy options, like gap insurance, with a competitor

Get a quote now | State Farm review

Nationwide: Best for coverage options

Nationwide has many coverage options, including fender bender forgiveness, locksmith services, and pet insurance. Although it is the most expensive carrier on our list, costing a yearly average of $2,331 for full coverage and $1,340 for minimum coverage, it may be a good choice for some because it has so many options.

Pros
  •  Nationwide has extensive policy options, like roadside assistance and towing coverage
  •  It offers perks to drivers, including key fob replacement
Cons
  •  Nationwide was the most expensive full and minimum coverage carrier on our list
  •  It earned below-average customer service scores

Get a quote now | Nationwide review

Allstate: Best for new cars

Allstate has policies to protect brand-new vehicles, like new vehicle replacement, guaranteed asset protection (gap) coverage, and vanishing deductibles for safe drivers. Despite its numerous options, Allstate is the second most expensive carrier on our list of Kentucky’s best car insurance companies. It costs an annual average of $2,058 for full coverage and $1,039 for minimum coverage.

Pros
  •  Allstate offers multiple policy add-ons, including accident forgiveness
  •  It has agents and offices throughout Kentucky
Cons
  •  Allstate was more expensive than other carriers in Kentucky
  •  It earned the second-lowest customer satisfaction score on our list

Get a quote now | Allstate review

Kentucky auto insurance requirements

All drivers in Kentucky must have insurance to drive legally. The minimum amounts required by state law are:

  • $25,000 in bodily injury liability for one person
  • $50,000 in bodily injury liability for two or more people in an accident
  • $25,000 in property damage liability

Alternatively, Kentucky will also accept a policy with a single limit of $60,000.

How to choose a car insurance provider in Kentucky

Review your coverage needs and budget when looking for a new insurance provider. Then, consider the following as you research companies to ensure you’re getting the best price:

  • Check pricing and discounts: Request quotes from at least three companies. Ensure the policy coverages, discounts, and limits are similar, and compare new quotes against your existing policy to avoid accidentally reducing needed coverage.
  • Search for reviews: Check review websites and the Better Business Bureau for the number of customer complaints and how (or if) a company resolves problems. Ask friends and family for recommendations, and avoid signing up with a company with multiple complaints and low ratings.
  • Check financial stability: Before starting with a new insurance company, check its ability to pay claims on a website like AM Best. It’s also smart to check with the Kentucky Public Protection Cabinet Department of Insurance and the National Association of Insurance Commissioners (NAIC) to confirm a company is currently licensed to do business in Kentucky.

How much does car insurance cost in Kentucky?

The average cost of car insurance in Kentucky is $1,764 annually for full coverage and $833 per year for minimum coverage. Drivers in Louisville are likely to pay the most, an average of $2,501 per year. Drivers in Georgetown pay the least, an average of $1,612 annually.

Kentucky car insurance rates by city

Your insurance rates are calculated using a variety of factors, like your age, driving record, the type of car you drive, and even the crime rate of the city you live in.

Neighborhood analytics website NeighborhoodScout gave Bowling Green 4 out of 100 on its total crime index. This means 96% of cities in America are considered safer. The city’s higher crime rate is likely reflected in the increased cost of car insurance, which averages $1,909 annually, the second highest in the state.

City Avg. annual full-coverage premium
Louisville $2,501/year
Bowling Green $1,909/year
Covington $1,827/year
Lexington $1,824/year
Owensboro $1,700/year
Georgetown $1,612/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Kentucky

What are the minimum car insurance coverage requirements in Kentucky?

Kentucky drivers must carry at least $25,000 per person and $50,000 for two or more people in bodily injury liability. Drivers must also have $25,000 in property damage liability, and the state will also accept a policy with a single limit of $60,000.

How much does car insurance cost in Kentucky?

Car insurance in Kentucky costs a yearly average of $1,764 for full coverage and $833 for minimum coverage.

Which car insurance companies cover Kentucky?

Many car insurance companies cover Kentucky, including State Farm, USAA, Nationwide, Farm Bureau, Progressive, and GEICO.

What is the cheapest car insurance company in Kentucky?

Kentucky's cheapest car insurance is State Farm, which costs an annual average of $1,175 for full coverage and $454 for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.