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In Kentucky, Auto-Owners, State Farm, and Progressive are among the cheapest car insurance providers.
Full-coverage car insurance in Kentucky averages $178 per month, compared to the national average of $186. Your actual premium depends on multiple factors, from your age and driving history to where you live, as is the case in every state. This is why comparing quotes from at least a handful of insurance companies is the best strategy for saving on car insurance. That, and comparing insurers that offer affordable coverage.
Below, we examine Kentucky's most affordable car insurance options organized by coverage type, driver characteristics, and insurance carrier.
Affordable full-coverage car insurance in Kentucky
In Kentucky, full-coverage insurance averages $178 monthly, compared to $186 nationally. Auto-Owners, State Farm, Progressive, and National General stand out as the cheapest car insurance companies available in the state.
| Average monthly full coverage cost | |
| Kentucky average | $178 |
| National average | $186 |
| Auto-Owners | $138 |
| State Farm | $143 |
| Progressive | $146 |
| National General | $145 |
Affordable liability-only car insurance in Kentucky
When comparing the cheapest liability-only car insurance providers in Kentucky, National General, Progressive, and Auto-Owners again lead the pack.
Kentucky drivers pay an average of $121 monthly for liability-only coverage, while the national average sits at $104.
| Average monthly liability-only cost | |
| Kentucky average | $121 |
| National average | $104 |
| National General | $95 |
| Progressive | $92 |
| Auto-Owners | $105 |
| State Farm | $109 |
Cheap car insurance in Kentucky by age
Age can play a major role in insurance premium calculations. Teen drivers face the steepest rates across the U.S. due to their more limited driving experience, with car insurance for teens averaging $327 per month in Kentucky.
Premiums tend to drop as drivers enter their twenties, averaging $228 per month in Kentucky. This downward trend continues through drivers' thirties and forties, with monthly costs for Kentucky drivers around $188 and $185, respectively.
Rates can climb again when drivers reach their sixties and beyond, though this depends on a combination of factors. But for general comparison, Kentucky seniors average $151 monthly in their sixties and $159 in their seventies.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $327 | $221 |
| 20s | $228 | $155 |
| 30s | $188 | $127 |
| 40s | $185 | $126 |
| 50s | $168 | $114 |
| 60s | $151 | $102 |
| 70s | $159 | $108 |
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Cheap car insurance in Kentucky for high-risk drivers
Moving violations or accidents on your driving record typically drive up auto insurance premiums. Here are Kentucky's current average costs for drivers with accidents, speeding tickets, or DUI convictions on their records, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $233 | $158 |
| Speeding ticket | $213 | $145 |
| DUI | $228 | $154 |
Compare low-cost car insurance after an accident
For Kentucky drivers with an accident on record, Auto-Owners, State Farm, and Progressive still provide some of the most affordable car insurance rates. Monthly full-coverage premiums for drivers with accidents average $233.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $176 | $134 |
| State Farm | $184 | $140 |
| Progressive | $191 | $119 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Kentucky drivers with speeding tickets can often find affordable car insurance through Auto-Owners, State Farm, and Progressive (noticing a trend?). Full coverage averages $213 monthly for those with speeding violations on record.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $169 | $129 |
| State Farm | $174 | $132 |
| Progressive | $175 | $110 |
Compare low-cost car insurance after DUI conviction
If you drive in Kentucky and have DUI convictions in your record, check rates for full coverage through Auto-Owners, State Farm, and National General if you're looking for the cheapest insurance. Full coverage for drivers with DUI records averages $228 per month in the state.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $191 | $145 |
| State Farm | $199 | $151 |
| National General | $202 | $131 |
Cheap car insurance in Kentucky by credit score
Kentucky drivers with excellent credit average $157 monthly. Drivers with poor credit face steeper premiums, starting at $223 per month. This is typical in all states that use credit scores to determine premiums.
This rate differential stems from how credit scores influence insurance pricing, with lower credit scores typically signaling higher premiums due to perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $157 | $107 |
| Good | $176 | $119 |
| Average | $183 | $124 |
| Poor | $223 | $151 |
FAQs
How does Kentucky's no-fault insurance system work?
Kentucky operates as a choice no-fault state, which means drivers automatically receive Personal Injury Protection (PIP) coverage up to at least $10,000 per person unless they choose to reject it. Under this system, each driver uses their own insurance to cover medical expenses and lost wages after an accident, regardless of who is at fault for a collision. This requirement typically results in higher insurance premiums compared to traditional fault-based states because both parties file claims with their own insurers. However, drivers can opt out of PIP coverage in Kentucky and retain the right to pursue liability claims against, or sue, at-fault parties.
If you decide to reject PIP coverage, you must file a no-fault rejection form with the Department of Insurance. Note that this can increase the cost of your liability coverage.
What are minimum car insurance requirements in Kentucky?
Kentucky requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage (25/50/25). These are fairly average minimums.
However, minimum liability coverage may not provide adequate protection, depending on your situation. Rising medical expenses and repair costs can mean that serious accidents may exceed minimum coverage limits, leaving drivers personally responsible for the difference. If you wouldn't be able to afford claims beyond these limits, consider additional coverage.
Can insurance companies use my credit score in Kentucky?
Yes, Kentucky law permits auto insurance companies to use credit-based insurance scores when calculating premiums. Insurance companies infer a correlation between credit history and the likelihood of filing claims, which is why drivers with excellent or good credit typically pay lower rates than those with poor credit. However, Kentucky does have some consumer protections in place. Insurance companies cannot use credit history as the sole reason for denying coverage to a driver. Improving your credit score over time may help reduce your insurance costs in Kentucky.
Bottom line
These companies may offer Kentucky's lowest rates overall, but they might not deliver the best value for your specific car insurance requirements. Getting quotes from multiple insurance providers and comparing them on both price and service will always be your best bet for finding ideal coverage within your budget.
Data throughout provided by Insurify.
Average rate:
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