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Landing close up to the national average, Kentucky drivers pay an average of $ 1,088.73 per year or around $ 91 per month for car policy coverage, according to the National Association of Insurance Commissioners ( NAIC ). The submit comes in around $ 100 less per year than the state ’ second annual average of $ 1,190.

You may or may not pay a rate in that ballpark because car indemnity is affected by many factors. Factors that may influence your person rate include your drive commemorate, your car ’ randomness take and model and your ZIP code. Plus, the NAIC takes in to account submit minimal coverage policies alongside those with higher coverage. Your rate will look unlike based on the coverage you choose .

Kentucky car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,088.73

Choice no-fault state

In choice no-fault states, drivers choose between fault-based or no-fault coverage .

Kentucky state minimum car insurance requirements

To meet Kentucky ’ randomness car indemnity requirements, you need at least 25/50/25 in liability coverage arsenic well as $ 10,000 in personal injury auspices. These numbers are your coverage limits, telling you the maximum that your indemnity will pay after an accident. Let ’ s expression in detail at Kentucky ’ s state minimum coverage. Bodily Injury Liability

Bodily injury liability: 25/50

  • $25,000 for injuries to one person
  • $50,000 for injuries to two or more people per accident

This coverage is important because it protects you from paying for person else ’ s medical bills or pain and suffering. Because these costs can get expensive, think about upping your liability limits above what Kentucky requires. Property damage liability

Property damage liability: 25

  • $25,000 to pay for damage to someone else’s car or property

This protection covers damage to the other driver ’ sulfur car or personal belongings if you ’ re at demerit in an accident. This coverage specify is standard across other states, but it offers a moo level of security. Personal injury protection or medical payments

Personal injury protection (PIP)

  • $10,000 for medical bills, lost income and more

You besides need PIP coverage to pay for costs related to injuries from an accident. You or passengers in your cable car can claim these benefits, no matter who ’ mho at fault in the accident. The $ 10,000 necessity is common across other states, although not every department of state requires PIP .

Optional coverage that we recommend

Kentucky ’ south car indemnity requirements don ’ thyroxine provide much protection except for minor accidents. For example, if you total person ’ second car that ’ s worth $ 40,000, your indemnity will pay up to $ 25,000 to replace their car. To avoid paying out of pouch for the rest, try bumping up your indebtedness limits and think about accessory coverage, based on your budget and driving site .

Coverage Description Consider this coverage if
Higher liability coverage limits Medical bills or legal expenses easily stack up. Make sure that your insurance will cover the majority of claims filed against you.
  • The state ’ mho liability limits wouldn ’ t fully replace person ’ randomness cable car or pay court fees .
  • You have big assets .
Collision Pays for your car ’ south damage for accidents where you ’ re at fault average cost : $ 26 per month, according to the NAIC
  • You drive a lot and rely on your car .
  • Your car lend requires it .
  • You can ’ t pay for major car repairs on your own .
  • You don ’ t have the funds to buy another cable car .
Comprehensive This “other-than-collision” coverage protects against vandalism, windshield cracks, harsh weather, hitting an animal and more.
  • Your car loanword requires it .
  • You can ’ t wage for major car repairs on your own .
  • You live in an sphere known for larceny or crime .
  • Your area sees harsh upwind .
  • You ’ re in rural Kentucky where you might run into wildlife .
Uninsured/underinsured motorist Make certain that you ’ re not left paying for your own car repairs or checkup bills if an underinsured driver hits you .
  • You don ’ t have the funds for major car repairs .
  • You don ’ t have health insurance .
  • Your health policy has a high deductible or copays .

Cheapest rates by age in Kentucky

For young drivers under old age 25 who want to pay under $ 200 per month, USAA or Allstate may be your companies of choice. USAA besides drops lower than competitors for most other ages. however, Geico and Progressive are besides solid options for drivers older than age 24 .

Age Allstate Progressive Geico USAA
16-24 $186.19 $211.54 $220.93 $176.10
25-34 $166.20 $166.91 $162.56 $143.85
35-44 $165.43 $148.52 $153.72 $121.32
45-54 $148.76 $141.00 $139.95 $91.01
55-64 $133.88 $140.82 $132.69

Cheapest rates by gender in Kentucky

When you ’ ra looking at rates between men and women, they stick close together for most companies. however, men might find Geico with the lowest prices based on this sample distribution. Women may see lower rates from USAA, or Geico if they don ’ t have a miliary affiliation for USAA .

Company Allstate Progressive Geico USAA
Men $163.54 $158.83 $157.05 $173.75
Women $160.98 $164.68 $159.14 $126.18
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Sample rates in Kentucky from major car insurance companies

Major brands charge well above the submit ’ second average car indemnity premium. In this sample, USAA offers the lowest rates, charging deoxyadenosine monophosphate much as $ 20 per month less than competitors. To find the cheapest companies, we used price information from Savvy .

Company Allstate Progressive Geico USAA
Rate $162.14 $161.76 $158.10 $142.04

Best car insurance for Kentucky

In cattiness of first gear car policy costs in Kentucky, make indisputable you ’ re getting the best distribute by considering all the possibilites. We recommend starting with these top companies because of their wellrounded coverage, high discounts and perks like a userfriendly app. They besides get high ratings from the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners .

Best for wide coverage: State Farm

State Farm

finder military rank 3.5 / 5 ★★★★★
Read Review
state Farm keeps a ace repute for customer military service, but it besides offers a cortege of coverage. Get all the standard coverage plus extras like rideshare insurance, roadside aid and coverage for travel expenses after an accident. You ‘ll save the most on your policy by insuring respective vehicles, bundling policies or joining State Farm ‘s Drive Safe and Save platform. Drive Safe and Save tracks your drive and rewards your base hit on the road with a discount up to 30 %. To top it all off, you ‘ll constantly have a period of touch with your State Farm local agent .

  • Pros

    • No. 1 largest car insurance company in the US
    • Personalized service through local agents
    • Up to 30% off for safe driving with Drive Safe and Save

    Cons

    • Not always the cheapest rates
    • Expect upselling from agents
    • No live chat
  • Telematics Drive Safe and Save
    Gap insurance No
    Roadside assistance Optional

Pros

  • No. 1 largest car insurance company in the US
  • Personalized service through local agents
  • Up to 30% off for safe driving with Drive Safe and Save

Cons

  • Not always the cheapest rates
  • Expect upselling from agents
  • No live chat
  • Telematics Drive Safe and Save
    Gap insurance No
    Roadside assistance Optional
Telematics Drive Safe and Save
Gap insurance No

Read Review

Best value: Geico

Geico

finder fink 4 / 5 ★★★★★
Read Review
competitive prices and user-friendly tools come standard with Geico ‘s car indemnity policies. You ‘ll save the most by insuring multiple vehicles, keeping a clean repel record or having guard features on your car. You can besides buy accident forgiveness or earn it after going claim free for five years — your choice. Plus, digital natives should like Geico ‘s handy app, which lets you access your policy card, upload cable car price photograph, keep up with vehicle alimony and more. Hundreds of thousands of customers praise the app for its exploiter friendliness .

  • Pros

    • Known for offering competitive prices
    • Save up to 25% when insuring multiple vehicles
    • Nearly 5-star app ratings, unusual for an insurance app

    Cons

    • Online-focused customer service
    • Few local agents available, mostly in major cities
    • No gap coverage
  • Telematics DriveEasy
    Gap insurance No
    Roadside assistance Optional

Pros

  • Known for offering competitive prices
  • Save up to 25% when insuring multiple vehicles
  • Nearly 5-star app ratings, unusual for an insurance app

Cons

  • Online-focused customer service
  • Few local agents available, mostly in major cities
  • No gap coverage
  • Telematics DriveEasy
    Gap insurance No
    Roadside assistance Optional
Telematics DriveEasy
Gap insurance No

Read Review

Best customer service: Kentucky Farm Bureau

Kentucky Farm Bureau

finder evaluation 4 / 5 ★★★★★
Read Review
If you ‘re looking for a truly local know, Kentuckians have trusted Kentucky Farm Bureau for decades for that argue. The agency has agents located in every county, and they ‘re experts on Kentucky ‘s cable car policy since it ‘s the only state served. Customers find rates competitive with other policy companies in the area. Yet you wo n’t miss out on the most common types of coverage, such as wayside aid and rental car reimbursement .

  • Pros

    • Local agents in all 120 counties
    • Highly rated for customer satisfaction by J.D. Power
    • Up to 25% off for claim-free driving
    • Nearly 80 years of industry experience

    Cons

    • Basic website experience, including no online quotes
    • Customers frustrated with app usability and login issues
    • Some discounts have limiting qualifications
  • Roadside assistance Optional

Pros

  • Local agents in all 120 counties
  • Highly rated for customer satisfaction by J.D. Power
  • Up to 25% off for claim-free driving
  • Nearly 80 years of industry experience

Cons

  • Basic website experience, including no online quotes
  • Customers frustrated with app usability and login issues
  • Some discounts have limiting qualifications
  • Roadside assistance Optional

Read Review

Best for low mileage: Nationwide SmartMiles

Nationwide

finder rating 4 / 5 ★★★★★
Read Review
If you drive less than 12,000 miles per year, try a pay-per-mile policy to save large on your car insurance bill. We recommend SmartMiles in Kentucky because your policy is backed by one of the largest companies in the industry. Enjoy peace of mind about trying a new policy because you get Nationwide ‘s solid coverage and claims military service. SmartMiles charges a monthly flat fee along with a per-mile fee, saving you the most when you drive less. The policy besides uses a device plugged into your car rather than an app, so you wo n’t drain your earphone battery or data .

  • Pros

    • Nearly 100 years of experience in the industry
    • Extra 10% discount for safe driving
    • Miles over 250 per day are free
    • Doesn’t use your cell phone data

    Cons

    • Rates may go up if you don’t drive safely
    • Not compatible with every vehicle
    • Mileage tracked through plugin device, not app
  • Telematics Yes
    Gap insurance Yes
    Roadside assistance Optional
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Pros

  • Nearly 100 years of experience in the industry
  • Extra 10% discount for safe driving
  • Miles over 250 per day are free
  • Doesn’t use your cell phone data

Cons

  • Rates may go up if you don’t drive safely
  • Not compatible with every vehicle
  • Mileage tracked through plugin device, not app
  • Telematics Yes
    Gap insurance Yes
    Roadside assistance Optional
Telematics Yes
Gap insurance Yes

Read Review

7 factors that affect car insurance rates in Kentucky

Factors are characteristics particular to you that car indemnity companies use to set how much you ’ ll pay for car indemnity. The less bad each of your factors is the less you pay, the bad you are the more you ’ ll give. We ’ ll break down Kentucky ’ s fink factors to keep in mind .

Factor How it affects your rates
Age

Age

Teen drivers and drivers over 70 face higher rates across the country, Kentucky included. Your rates begin to even out around your mid-20s, and drivers in their 40s and 50s enjoy the lowest rates based on the age factor.
Gender

Gender

Kentucky allows insurance companies to use gender as a factor in rating auto insurance. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. Living in a larger city in Kentucky can raise your premium – residents of Louisville may pay more than locals in Covington. As well, higher rates of uninsured drivers and auto theft in Kentucky may cause higher insurance rates in the commonwealth as insurers offset these higher numbers with higher premiums. With 13.9 % of Kentuckians driving uninsured, it takes seventeenth locate for its uninsured pace, according to the Insurance Information Institute. Having a high rate of uninsured drivers increases the cost of car indemnity for everyone. larceny rates are another gene affecting insurance rates – if car larceny is high, insurance companies need to raise rates to offset the higher price of repairing or replacing steal vehicles. Kentucky ’ sulfur rate of car larceny is above the national average with 256.8 car thefts per 100,000 inhabitants – and the national average at 246 .
Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. A more expensive car to fix is more expensive to insure. A car with more safety features may end up costing less to insure because of discounts for the safety features. New vehicles often have more electronic parts that can cost more to replace. The average resident drives 40.4 miles per day in Kentucky, which is higher than the national casual average of 36.1 miles per person according to the Bureau of Transportation. Driving more means a higher electric potential for accidents indeed insurance rates may besides be higher .
Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Kentucky drivers have protections under state laws that regulate the function of your recognition history when issuing cable car insurance policies. Kentucky law prohibits insurers from declining, nonrenewing or canceling a policy entirely based on credit score .
Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Kentuck can increase your rate by around 48%. These types of violations typically stay on your record for about three years.

Do I need to file an SR-22 in Kentucky?

No, Kentucky doesn ’ metric ton necessitate drivers to file an SR-22 for any repel rape. however, major violations come with other penalties that can affect your car insurance, such as getting your license suspended. indemnity companies see you as high risk if you have violations on record, leading to potentially high insurance premiums .

Top 10 auto insurance companies in USA that serve Kentucky

We ’ ve pulled the top 10 companies by market share that offer coverage in Kentucky, according to S & P Global. Compare top companies by three major evaluation agencies along with our overall Finder score .

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
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Cheapest car insurance rates in Kentucky

    • Good credit
    • Married
    • Male
    • 31-35 years old
    • 2017 Toyota Camry LE
    • State minimum coverage

    To get these quotes, we compared rates for the same driver profile in a park nothing code in this country .

Which city has the cheapest car insurance in Kentucky?

Of Kentucky ’ second largest cities, Florence has the cheapest rates and Elizabethtown has the most expensive cable car indemnity rates. Elizabethtown drivers could face rates 2 times more than firenze drivers .

Car insurance quotes in Florence

Company Annual car insurance rate
Allstate $2068
Metromile $2413
Safe auto $3034
Progressive $2114
Geico $1958
    • Full coverage
    • Sedan
    • Good credit
    • Married
    • Male driver
    • Age 35

Car insurance quotes in Frankfort

Company Annual car insurance rate
Allstate $2235
Metromile $2893
Safe auto $3364
Progressive $2347
Geico $2179
    • Full coverage
    • Sedan
    • Good credit
    • Married
    • Male driver
    • Age 35

Car insurance quotes in Richmond

Company Annual car insurance rate
Allstate $2158
Metromile $2893
Safe auto $2846
Progressive $2282
Geico $2154
    • Full coverage
    • Sedan
    • Good credit
    • Married
    • Male driver
    • Age 35

Car insurance quotes in Elizabethtown

Company Annual car insurance rate
Allstate $2161
Metromile $3185
Safe auto $3515
Progressive $2274
Geico $2235
    • Full coverage
    • Sedan
    • Good credit
    • Married
    • Male driver
    • Age 35

Car insurance quotes in Bowling Green

Company Annual car insurance rate
Allstate $2053
Metromile $2632
Safe auto $2916
Progressive $2183
Geico $2218
    • Full coverage
    • Sedan
    • Good credit
    • Married
    • Male driver
    • Age 35

Compare car insurance providers in Kentucky

In Kentucky, drivers choose between fault or no-fault coverage

Kentucky is a choice no-fault submit, which means that you choose between traditional liability or no-fault laws, according to the legal web site Nolo. If you choose traditional liability, you can sue other drivers for pain and suffer with no limitations. If you choose no-fault coverage, you ’ ll charge wound claims under your personal injury protective covering unless you suffer a unplayful injury. however, Kentucky ’ s no-fault laws don ’ thyroxine lend oneself to property damage like car repairs, according to Nolo. Your indemnity company and legal authorities will determine who ’ s at fault for this wrong. When determining mistake, Kentucky considers whether both drivers are partially at fault under its arrant relative defect. Under this law, both drivers pay for the share of wrong that they cause. For example, if you ’ re 80 % creditworthy for an accident, your indemnity pays 80 % of the early driver ’ randomness damages. The other driver ’ south insurance besides pays 20 % of your damages .

Bottom line

Make surely that you own a suitable indemnity package for you, your cable car and life style. Keep in mind that Kentucky has a particularly senior high school uninsured drivers rate, so research your options and see what car policy design is in your best interest. To learn more, from state regulations to the best discounts and coverage, visit our comprehensive steer to car indemnity .

Frequently asked questions about car insurance in Kentucky

  • You ’ ll about always need to change car indemnity policy when you move to a newly state of matter, and this includes Kentucky. Contact your policy agent for more information on moving policies .

    • Vehicle inspection
    • Completed application for Kentucky Certificate of Title/Registration
    • Original title
    • Current registration
    • Proof of auto insurance
    • Driver’s license
    • Proof of tax payments

    You must title and register your car at your local anesthetic Kentucky DMV within 15 days of arriving. Bring the following documents to the local sheriff ’ mho office :

  • Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a inadequate time or engage in hazardous drive behaviors that result in multiple tickets or DUI/DWIs. You ’ ll typically receive notice from your car indemnity company before it plans to cancel your policy. If you ’ ve been in lone a pair accidents, you should be finely .

  • While each cable car indemnity policy varies, it ’ s potential that your car policy rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the like after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates .

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