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Best Car Insurance in Kentucky

best car insurance in ky
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Minimum liability car insurance is a necessity for anyone with a vehicle in Kentucky. Along with fulfilling legal requirements, having car insurance also protects you from financial loss in the event of an accident. If you want to invest in car insurance without breaking the bank, a variety of cheap options exist in this state. Read on to explore the best car insurance in Kentucky so you can choose a plan that meets your needs and budget.

Best Car Insurance in Kentucky for Minimum Coverage

The minimum legal requirement for auto insurance in Kentucky is minimum liability coverage. This covers expenses if you damage another car. However, it doesn’t include collision or comprehensive insurance, meaning it doesn’t cover damage to your own vehicle. This damage could be from an accident, a natural disaster, or an act of vandalism.

Here are the cheapest annual auto insurance rates for minimum coverage in Kentucky. The average rates in this article are from ValuePenguin’s analysis of Quadrant Information Services insurance rate data:

  • Farm Bureau: $503 per year
  • State Farm: $506 per year
  • Geico: $1,072 per year
  • Allstate: $1,427 per year
  • Progressive: $1,518 per year
  • Nationwide: $1,538 per year
  • USAA: $623 per year

It’s important to note that USAA is only available for veterans, members of the military, and their families. If you fit one of these categories, you may be eligible for competitively low insurance rates.

Best Car Insurance in Kentucky for Full Coverage

If you want to get reimbursed for repairs or theft, it’s best to invest in comprehensive insurance. This type of insurance is especially helpful if you own a valuable or new car. Planning ahead can save you from paying hefty out-of-pocket expenses due to an unexpected event. Here are the cheapest full-coverage auto insurance rates in Kentucky. These rates are averages, so remember that your rates may vary based on your particular history and circumstances:

  • State Farm: $1,334 per year
  • Farm Bureau: $1,473 per year
  • Geico: $2,706 per year
  • Progressive: $3,010 per year
  • Nationwide: $3,205 per year
  • Allstate: $3,403 per year
  • USAA: $1,725 per year

Best Car Insurance in Kentucky for Drivers by Category

Insurance providers assess a variety of factors when determining your rates, including age, driving history, credit score, and marital status. Explore the best car insurance in Kentucky, on average, based on some special categories:

With a Speeding Ticket

If you have a speeding ticket, you may have a higher insurance quote. However, you can still find affordable options in Kentucky from the following providers:

  • State Farm: $1,442 per year
  • Farm Bureau: $1,473 per year
  • Geico: $2,999 per year
  • Progressive: $3,970 per year
  • Allstate: $4,044 per year
  • Nationwide: $6,111 per year
  • USAA: $2,223 per year

After an Accident

If you’ve been involved in an accident, insurance providers may view you as at risk for more accidents in the future. Here are the best average insurance prices for drivers in Kentucky who’ve been in an accident:

  • Farm Bureau: $1,473 per year
  • State Farm: $1,550 per year
  • Geico: $4,250 per year
  • Nationwide: $4,748 per year
  • Progressive: $4,749 per year
  • Allstate: $5,736 per year
  • USAA: $2,637 per year

With a DUI

Driving under the influence and receiving a DUI is a serious infraction that can increase a driver’s insurance rates dramatically. Here are the cheapest average quotes for drivers with a DUI in Kentucky:

  • Farm Bureau: $3,455 per year
  • State Farm: $3,886 per year
  • Progressive: $3,889 per year
  • Allstate: $4,552 per year
  • Nationwide: $6,111 per year
  • Geico: $6,898 per year
  • USAA: $2,882 per year

With Poor Credit

Insurance companies assess a candidate’s credit score when determining a quote. This is because many providers believe that those with a low credit score are more likely to file insurance claims. Here are the average auto insurance rates for drivers with poor credit in the state of Kentucky:

  • State Farm: $2,451 per year
  • Geico: $2,999 per year
  • Farm Bureau: $3,889 per year
  • Nationwide: $4,145 per year
  • Progressive: $4,606 per year
  • Allstate: $5,500 per year
  • USAA: $3,618 per year

Married Drivers

As a married driver, insurance businesses may view you as more financially stable. Therefore, your insurance rates may be cheaper. Here are the least expensive insurance quotes in Kentucky for married drivers:

  • State Farm: $1,334 per year
  • Farm Bureau: $1,473 per year
  • Geico: $2,599 per year
  • Progressive: $2,651 per year
  • Nationwide: $2,954 per year
  • Allstate: $3,276 per year
  • USAA: $1,549 per year

Young Drivers

Young drivers are naturally less experienced on the road. This means they may be more at risk for an accident, and their insurance rates can be higher. Here are the average annual minimum-coverage insurance rates for young drivers in Kentucky:

  • Farm Bureau: $1,459 per year
  • State Farm: $1,665 per year
  • Geico: $3,905 per year
  • Progressive: $4,117 per year
  • Allstate: $4,480 per year
  • Nationwide: $5,290 per year
  • USAA: $1,218 per year

Young Drivers With a Speeding Ticket

Teen drivers already have higher insurance premiums than adults. If a young driver has received a speeding ticket, this can increase their insurance rate even more. Here are the average quotes for minimum-coverage auto insurance for teen drivers with a speeding ticket:

  • Farm Bureau: $1,459 per year
  • State Farm: $1,850 per year
  • Geico: $3,905 per year
  • Progressive: $4,516 per year
  • Allstate: $5,613 per year
  • Nationwide: $6,656 per year
  • USAA: $1,597 per year

Young Drivers After an Accident

Review the following average annual minimum-coverage rates for teen drivers after an accident:

  • Farm Bureau: $1,769 per year
  • State Farm: $2,035 per year
  • Geico: $4,370 per year
  • Progressive: $4,936 per year
  • Nationwide: $5,897 per year
  • Allstate: $6,504 per year
  • USAA: $1,830 per year

As you can see, there’s not a shortage of options for the best car insurance in Kentucky. Shopping around for an affordable insurance plan is a great idea. A variety of providers offer competitive rates for full- or minimum-coverage insurance in this state. Talking to an insurance agent can help you identify your needs and find an insurance policy that works for you.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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