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State Farm offers the most low-cost car policy for Kentucky drivers both for indebtedness coverage arsenic well as wax coverage policies. however, how much you pay for cable car indemnity will vary depending on factors like your age, credit rating score, coverage sum and driving criminal record. For example, if you are a young driver, you will find the lowest cable car indemnity is from Allstate, while USAA offers the cheapest coverage for military members and their families. For those looking for an even more local solution, we besides broke down the cheap companies by city, american samoa well as the best car indemnity companies in Kentucky for those looking to balance quality service and cost. To find out how MoneyGeek calculated the cheapest cable car insurance in Kentucky, read our methodology.

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The Cheapest Car Insurance in Kentucky

Cheapest Minimum Liability Car Insurance in Kentucky

The cheapest option for drivers looking for car policy in Kentucky is a minimum liability merely policy, which meets the submit requirements for coverage. If you are looking for a policy with broader protection, it would be best to get higher levels of coverage. Based on MoneyGeek ’ south report, the cheapest car indemnity in Kentucky for a minimum coverage policy are :

  • State Farm: $428 per year
  • GEICO: $493 per year

USAA, at an modal cost of $ 369 per year, is the most low-cost choice in the state. however, it is only available to current and former military members. The policy carrier wave with the most expensive policy for minimum coverage in Kentucky is MetLife. Its policy costs $ 1,621 per year .

Cheapest Minimum Car Insurance in Kentucky
  • company annually monthly
  • 1 .USAA $ 369 $ 31
  • 2 .State Farm $ 428 $ 36
  • 3 .GEICO $ 493 $ 41
  • 4. Kentucky Farm Bureau $ 529 $ 44
  • 5 .Allstate $ 722 $ 60
  • 6 .Travelers $ 760 $ 63
  • 7 .Progressive $ 902 $ 75
  • 8 .Nationwide $ 1,325 $ 110
  • 9 .MetLife $ 1,621 $ 135

These prices are alone estimates based on rates for an average Kentucky driver and should not be used to compare insurance prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Kentucky

A full coverage policy with higher indebtedness limits and comprehensive and collision insurance will protect you against most road and off-road accidents in Kentucky. It costs more than a minimum coverage policy, but it will protect you against the cost of damages to your own vehicle. To find the best policy for your needs, compare quotes from versatile insurers. The two most low-cost car policy providers in Kentucky for comprehensive and collision coverage are :

  • State Farm: $872 per year
  • GEICO: $874 per year

At an modal of $ 785 per year, USAA is the most low-cost choice for current and former military members. The most expensive wax coverage cable car insurance policy in Kentucky is from MetLife. Their average annual bounty is $ 2,212 .

Cheapest Full Coverage Car Insurance in Kentucky
  • company annually monthly
  • 1 .USAA $ 785 $ 65
  • 2 .State Farm $ 872 $ 73
  • 3 .GEICO $ 874 $ 73
  • 4. Kentucky Farm Bureau $ 1,006 $ 84
  • 5 .Allstate $ 1,250 $ 104
  • 6 .Travelers $ 1,310 $ 109
  • 7 .Progressive $ 1,575 $ 131
  • 8 .Nationwide $ 2,145 $ 179
  • 9 .MetLife $ 2,212 $ 184

These prices are based on modal rates for a comprehensive and collision indemnity policy that covers up to $ 100,000 in bodily injury liability coverage per person, $ 300,000 in bodily injury liability coverage per accident and $ 100,000 in property damage coverage per accident. Individual premiums will vary and may be different from the averages shown.

How to Compare Cheap Kentucky Car Insurance Quotes Online

Most car policy companies in Kentucky have on-line tools that allow drivers to get reasonably accurate quotes. To find the best policy, it is ideal to get quotes from multiple insurers .

  • Start by determining the coverage level you will need. Then, keep quotes consistent. For example, if you get a quote for $300,000 in bodily liability insurance per accident from one insurer, use the same number when you get quotes from other providers.
  • MoneyGeek’s calculator helps you to compare car insurance quotes in Kentucky without providing your personal information. However, if you are looking for a personalized quote, you will need to provide more details. You can also review MoneyGeek’s price data to see which company websites you should visit.
  • Overall, the three most affordable auto insurance companies in Kentucky are USAA, State Farm and GEICO. You can start your search for the best policy by getting quotes from these companies.

Auto Insurance Calculator

state Kentucky old age 30-65 drive commemorate clean recognition grudge excellent Vehicle Type compact Vehicle year 2020 Liability Coverage state Min Comprehensive and Collision Insurance none sex female

Average Annual Auto Insurance Rates

Click the section of the bicycle in your price image to see options. first gear end on average high end Click your preferable monetary value stove to see company options. Click an insurance company below to visit their review page or continue to your personalized quotation mark. company average annual Rates 1 .USAA $ 372 2 .State Farm $ 425 3 .GEICO $ 467 4. Kentucky Farm Bureau $ 525 5 .Allstate $ 726

Cheapest Car Insurance for Drivers With a DUI in Kentucky

Kentucky drivers who have serious violations in their drive history, such as a DUI, normally have higher policy rates ascribable to being classified as bad drivers. The average cost of car policy for Kentucky drivers with a DUI is $ 2,597 per year. A exchangeable policy for a driver with a clean record costs $ 1,405 annually. The cheapest options for a full coverage policy for drivers with a DUI in Kentucky are :

  • State Farm: $939 per year
  • Allstate: $1,620 per year

USAA offers current and early military members and their families cheap coverage at $ 1,266 on average per year. The most expensive car policy for drivers with a DUI in Kentucky is MetLife at $ 5,439 on average per annum .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1 .State Farm $ 939 $ 78
  • 2 .USAA $ 1,256 $ 105
  • 3 .Allstate $ 1,620 $ 135
  • 4 .Progressive $ 1,839 $ 153
  • 5. Kentucky Farm Bureau $ 2,228 $ 186
  • 6 .GEICO $ 2,261 $ 188
  • 7 .Travelers $ 2,277 $ 190
  • 8 .Nationwide $ 4,171 $ 348
  • 9 .MetLife $ 5,439 $ 453
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A DUI in Kentucky can affect more than merely car policy rates. even a first base time DUI can mean imprison fourth dimension, fines, substance program requirements, ignition interlock and license suspension. In Kentucky, Insurance Institute for Highway Safety, 1,722 people died in car crashes involving alcohol from 2009-2018 and 1.4 % of Kentucky drivers admit to drive after drinking excessively much in the final 30 days. The table above provides an estimate of the monthly premium the average driver can expect to pay with a DUI on their repel record in Kentucky. A conviction for DUI can stay on your drive commemorate for five years and a commercial license for ten-spot years. Find out the truthful cost, besides an increase of insurance premiums with our guide outlining the true price of receiving a DUI.

Cheapest Car Insurance in Kentucky for Drivers With an At-Fault Accident

Drivers with an at-fault accident on their drive record will pay well higher car policy premiums than those with a clean and jerk drive record. The average cost of car policy for drivers with an at-fault accident is $ 2,035 per year. In Kentucky, the companies with the lowest median rates for drivers with an at-fault accident are :

  • State Farm: $1,006 per year
  • Kentucky Farm Bureau: $1,315 per year

While USAA is the second-cheapest for drivers with an at-fault accident in Kentucky with a price of $ 1,141, its policies are only available to current and early military members .

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Kentucky

Individuals who have minor driving violations in Kentucky like tickets tend to have higher rates. The average cost for a driver with a speeding ticket in Kentucky is $ 1,683 per year, which is more than the $ 1,405 average annual pace for a driver with a clean record. Based on median rates for a full coverage policy, the cheapest options for a Kentucky driver with a accelerate ticket are :

  • State Farm: $939 per year
  • GEICO: $968 per year

For military members and their families, USAA offers the most low-cost choice at an average rate of $ 965 per year. MetLife is the most expensive on average at $ 2,993 per year .

Average Car Insurance Rates With a Ticket
  • company annually monthly
  • 1 .State Farm $ 939 $ 78
  • 2 .USAA $ 965 $ 80
  • 3 .GEICO $ 968 $ 81
  • 4. Kentucky Farm Bureau $ 1,006 $ 84
  • 5 .Allstate $ 1,457 $ 121
  • 6 .Travelers $ 1,539 $ 128
  • 7 .Progressive $ 2,128 $ 177
  • 8 .Nationwide $ 2,432 $ 203
  • 9 .MetLife $ 2,993 $ 249

Speeding and distract driving tickets can affect your chances of getting brassy cable car indemnity in Kentucky. Receiving tickets is a sign to policy companies that you may be a hazardous driver. The mesa above shows the average monthly car indemnity premium for the average driver with a accelerate or distracted driving ticket. presently, the law bans cell phone habit for teens but allows calls to be made by drivers 18 and older. however, a circular is being considered to outlaw hand-held cell earphone use for all drivers and drivers who are caught will receive higher fines for each discourtesy. Distracted drive is more than using cell phones, it besides includes prepare, consume, drink and talking or interacting with other passengers. It ‘s important to take steps to prevent distracted driving so that you can be condom on the road.

Cheapest Car Insurance Companies in Kentucky for Drivers With Bad Credit

Poor credit scores can lead to higher car insurance rates in Kentucky. The average price of a entire coverage policy for a driver with bad credit in the country is $ 2,836 annually. That is more than double the annual average rate for an modal driver with effective credit, which is $ 1,405. The cheapest car indemnity companies in Kentucky for a driver with a poor credit score are :

  • State Farm: $1,682 per year
  • GEICO: $1,873 per year

USAA is $ 1,520 per year on median, making it the most low-cost option in the state. however, it is only available to members of the military. MetLife is the most expensive option in Kentucky for drivers with bad credit at an average of $ 5,700 per annum .

Average Car Insurance Rates for Drivers With Bad Credit
  • company per annum monthly
  • 1 .USAA $ 1,520 $ 127
  • 2 .State Farm $ 1,682 $ 140
  • 3 .GEICO $ 1,873 $ 156
  • 4 .Allstate $ 2,039 $ 170
  • 5 .Travelers $ 2,366 $ 197
  • 6 .Progressive $ 2,527 $ 211
  • 7. Kentucky Farm Bureau $ 3,029 $ 252
  • 8 .Nationwide $ 3,096 $ 258
  • 9 .MetLife $ 5,700 $ 475

Auto policy companies may use credit scores to predict the odds person will file a claim, according to a analyze by the Federal Trade Commission. The average in Kentucky is 692, slightly lower than the home median of 703. Depending on your credit score, you may still qualify for the best and cheapest car insurance rates in Kentucky. The above table provides estimates of what drivers in Kentucky can expect to pay in car insurance if they have a low credit score. It can be helpful to find ways to improve your citation score so you can qualify for the most low-cost car insurance with the best coverage.

Cheapest Car Insurance in Kentucky for Seniors

In most cases, senior drivers in Kentucky have slightly higher rates than young adults and middle-aged drivers. The average price for aged drivers with wax coverage in Kentucky is $ 1,499 per class. This is higher than the annual rate of $ 1,405 for average drivers with a like policy. The car insurance companies in Kentucky offering the cheapest options for aged drivers are :

  • State Farm: $836 per year
  • Kentucky Farm Bureau: $1,027 per year

The cheapest car policy for military drivers and their families is USAA at an average $ 861 per class. Nationwide is the most costly option for senior drivers in Kentucky at $ 2,233 per year on average .

Average Car Insurance Rates for Seniors
  • company per annum monthly
  • 1 .State Farm $ 836 $ 70
  • 2 .USAA $ 861 $ 72
  • 3. Kentucky Farm Bureau $ 1,027 $ 86
  • 4 .GEICO $ 1,067 $ 89
  • 5 .Allstate $ 1,329 $ 111
  • 6 .Travelers $ 1,578 $ 132
  • 7 .Progressive $ 1,798 $ 150
  • 8 .MetLife $ 2,121 $ 177
  • 9 .Nationwide $ 2,233 $ 186

In Kentucky, 16.3 % of traffic fatalities in 2017 were caused by drivers ages 65 and older. many states have particular drive and renewal rules for seniors. however, Kentucky is not one such department of state. even without restrictions, seniors should use caution when driving to maintain safety. Always wear a seat belt, only driving during clear conditions and avoid consuming substances that will impair your repel ( check with a health care professional for steering about taking certain medications and driving ). The board below shows the modal monetary value per month that seniors can expect to pay for car policy in Kentucky. Slowed reaction times, reduced vision and certain medications can impair a aged ’ s ability to drive, resulting in increase chances of getting a slate or into an accident. To maintain eligibility for the cheapest car insurance rates in Kentucky, seniors can do things like drive a safe vehicle and take a safe drive classify.

Cheapest Car Insurance in Kentucky for Young Drivers

Younger drivers pay more for car indemnity because they are considered less experience by policy providers. 16-year-old drivers in Kentucky pay an average of $ 3,907 per class for car indemnity, while 25-year-old drivers pay an average of $ 1,456. The most low-cost insurance company for young drivers between age 16 and 25 is State Farm, which is the cheap on average for individuals from 19 to 25 years .

Annual Car Insurance In Kentucky for Young Drivers

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  • age average cost Cheapest company company cost
  • 16

    $3,907

    Allstate

    $2,521

  • 17

    $3,772

    Allstate

    $2,254

  • 18

    $3,435

    Allstate

    $1,982

  • 19

    $3,187

    State Farm

    $1,877

  • 20

    $2,737

    State Farm

    $1,665

  • 21

    $2,140

    State Farm

    $1,437

  • 22

    $1,994

    State Farm

    $1,298

  • 23

    $1,777

    State Farm

    $1,166

  • 24

    $1,624

    State Farm

    $1,077

  • 25

    $1,456

    State Farm

    $965

According to the Kentucky Transportation Cabinet, teens make up approximately 6 % of all the department of state ‘s drivers but are involved in close to 18 % of all collisions. To keep costs down, adolescent drivers can be added to their family ’ south policy plan. Young drivers may besides be eligible for scholar discounts to help reduce car policy costs, such as being a good scholar, attending college more than 100 miles from home, driving a safe car and maintaining a clean drive commemorate.

Insurance Rate Information for Military Drivers and Veterans

If you ‘re a seasoned or one of the 31,000+ active-duty military personnel living in Kentucky, constantly compare prices on car policy and ask for a military discount to save money. Bundling policies with the lapp aircraft carrier can besides cut costs. Veterans may besides be eligible for shrink rates on car policy. Whether living in Kentucky or deployed out of department of state, military members can register their vehicles with proofread of insurance by mailing the fees to the County Clerk ‘s agency in your hometown. military personnel can besides renew on-line for a small fee. The following table showcases what active-duty members and veterans can expect to pay for car insurance in Kentucky .

Average Rates for Kentucky service members

male 25 years

$1,412

50 years

$1,087

female 25 years

$1,318

50 years

$1,064

Car Insurance in Kentucky: What You Need to Know

Unless you register a vehicle as either salvage or a classical drive fomite stick out — which means it is n’t meet for the road — you need to register your car in Kentucky. inoperable cars that remain on your property do not need to be insured, but drivers should notify the submit that a cable car is out of perpetration. Vehicles used seasonally do not have to be guarantee year-round, but motorists have to turn in their license plates to the county clerk to avoid fines when the cable car is not in use .

Proof of Insurance in Kentucky

Kentucky insurers provide motorists with proof of coverage in the form of a paper insurance card or an electronic translation. Drivers will likely need to show this card when :

  • The driver registers the vehicle
  • A police officer requests it
  • They are in an accident

Minimum Liability Insurance Requirements in Kentucky

here is the minimum amount of coverage drivers in Kentucky must maintain :

  • $25,000 for injuries per person
  • $50,000 for injuries per accident
  • $25,000 for property damage

alternatively, a Kentucky motorist may carry a policy with a single limit of $ 60,000 .

Alternatives to Insurance in Kentucky

Kentucky drivers have the choice of self-insuring their vehicles. They must file paperwork with the Executive Director of Insurance, showing they can pay claims if needed, and they must besides deposit cash or hold property they can liquidate to pay for a title. typically, you will besides need to provide a list of vehicles to be self-insured and make a security payment via a guarantor bond. self-insurance does not provide extra protection if you are at demerit. You besides will end up paying out of pocket should a claim be made — and a big claim can wipe out your savings .

How Much Coverage Do You Need in Kentucky?

policy experts generally recommend coverage of $ 100,000/ $ 300,000 for bodily wound indebtedness. You should besides consider comprehensive examination and collision coverage. comprehensive covers wrong caused by events other than a dealings collision, such as inclement weather. Collision coverage will pay to fix your vehicle if it ’ second involved in an accident. Speak with an policy professional to determine if you need these coverages for your fomite.

Cheapest Car Insurance in Kentucky by City

In Kentucky, how a lot you pay for car policy greatly depends on your placement. For case, drivers pay an average of $ 1,201 per year for the cheapest full coverage car policy policy in Lexington, while those in Louisville pay an average of $ 1,610. You can find more details about cable car policy costs within your sphere by clicking on your city .

Average Insurance Rate by City in Kentucky

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  • City per annum monthly
  • 1 .Lexington $ 1,201 $ 100
  • 2 .Louisville $ 1,610 $ 134

FAQs About Car Insurance in Kentucky

For most Kentucky drivers, the most common questions about car insurance center around the cost of the policy and policy party information .

Based on average rates for the average Kentucky driver, the cheapest car insurance companies are USAA and State Farm .

The average cost of car policy in Kentucky for the average driver is $ 1,405 per year or approximately $ 117 per month .

The best car policy company in Kentucky can vary by your needs. shop around to find the best choice for you .

Driving safely and avoiding violations like speeding tickets or DUIs can help you keep your car indemnity rates in Indiana moo. besides, improving your credit score may lower your rates.

Expert Advice on Finding Cheap Car Insurance in Kentucky

To help you find trustworthy and accurate insight on car policy in Kentucky, MoneyGeek collected adept advice from prove professionals. The views and sentiments expressed are those of the individual contributor .

  1. What are the key factors drivers in Kentucky should look for when searching for the best car indemnity coverage ?
  2. What steps can drivers in Kentucky take to find low-cost car insurance ?
  3. How do regulations and rules in Kentucky affect insurance price and how consumers might shop for coverage ?

Jonathan HandyJonathan Handy Jonathan Handy Assistant Professor of Finance at Western Kentucky UniversityMalcolm RobinsonMalcolm Robinson Malcolm Robinson Professor of Economics at Thomas More University

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guarantee you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pin About the authorexpert-profileexpert-profile Mandy Sleight is a professional freelancer writer and licensed policy agent. She has her property, casualty, life, and health licenses and has been working in the diligence since 2005. Mandy has worked for well-known indemnity companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a start-up employee benefits company. Mandy earned her bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master in Business Administration from Southern New Hampshire University. She uses her huge cognition of the policy industry and personal finance combined with her writing backdrop to create easy-to-understand and engaging content to help readers make smart choices with their budget and finances.

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