Cheapest Car Insurance in Kentucky

Cincinnati Insurance offers the most affordable car insurance at $25 monthly and $296 annually for minimum coverage. This rate represents a $280 annual saving compared to the state's average cost. These figures are sourced from Quadrant Information Services, reflecting the cheapest rates available in Kentucky as of 
December 2024. Read our research methodology to learn about how we found the cheapest Kentucky car insurance.

The cheapest car insurance company for most drivers in the Bluegrass State is Cincinnati Insurance, with an average monthly cost of $52 for both state minimum and full coverage. This is $26 less than the Kentucky average. Other affordable options include Auto-Owners, Travelers, Kentucky Farm Bureau and GEICO.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Cincinnati Insurance offers the cheapest rates for most drivers seeking minimum coverage, while Auto-Owners is best for full coverage. However, your rate depends on your personal background. Check the table below for the best rates for different profiles.

Read More: Cheapest Car Insurance

Cincinnati Insurance offers the cheapest rate, and Auto-Owners Insurance Co, Kentucky Farm Bureau and Travelers also provide cheap minimum liability coverage for Kentucky drivers. Use the table below to explore companies with the best minimum coverage rates in Kentucky and see how they compare to the $48 monthly state average.

Auto-Owners provides the cheapest full coverage auto insurance in Kentucky, with rates averaging $73 per month or $876 per year. These rates are $34 below the state average.

In Kentucky, young adult drivers fare best with Cincinnati Insurance, known for its affordable rates. A typical state minimum policy with Cincinnati Insurance costs just $32 per month for 25-year-old drivers.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Kentucky, Cincinnati Insurance and Travelers offer some of the cheapest auto insurance options. Cincinnati Insurance is the top choice for state minimum coverage at $32 per month. Travelers is the best for full coverage at $93 per month. While rates can vary based on your driving record, these companies are excellent starting points for finding affordable insurance.

Read More: Cheapest Car Insurance for Young Drivers

For senior drivers, Cincinnati Insurance offers the lowest rates. The average cost is $22 per month for minimum coverage.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

Cincinnati Insurance offers affordable options for minimum coverage, full coverage, and drivers with bad credit or a speeding ticket. State Farm and Kentucky Farm Bureau also provide competitive rates for drivers with a DUI or accident. Rates may vary, so use the table below as a guide for your insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in Kentucky with a DUI, at-fault accident or speeding ticket are considered high-risk by insurers, paying more for car insurance than those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for those with a DUI, at-fault accident and speeding ticket.

State Farm offers the best rates for Kentucky drivers with DUIs, averaging $53 per month ($633 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Kentucky.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $49 per month ($590 per year), Kentucky Farm Bureau is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents. Rates are for minimum coverage policies.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Cincinnati Insurance offers the cheapest car insurance for drivers with a speeding ticket, with average rates of $30 per month. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Cincinnati Insurance is the cheapest car insurance provider for drivers with poor credit scores, offering a monthly rate of $30 and an annual rate of $358.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Location is a significant factor in determining car insurance rates. Even within the same state, there can be substantial differences across cities due to factors like population density, flooding and crime rates.

For instance, Cincinnati Insurance charges $29 a month in Lexington but $39 a month in Louisville for minimum coverage. Check the table below to see the most affordable car insurance in your city and their lowest average monthly rate.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

Kentucky's most affordable option to bundle home and auto insurance is State Farm at $2,387. Check the table below for more cheap bundling companies.

Rates are for a 40-year-old driver with good credit and no driving violations.

The average cost of car insurance in Kentucky is $107 per month for full coverage and $48 per month for minimum coverage. Knowing average auto insurance premiums for your location and desired coverage level can help you determine whether you're getting a good deal from an insurer.

Car insurance costs vary across Kentucky. See this table for average city rates for minimum and full coverage.

Kentucky sits in the middle for car insurance costs, not as high as some states. Common reasons include an average population density, occasional natural disasters and a moderate vehicle theft rate.

Kentucky law mandates that all drivers carry car insurance policies with minimum coverage limits. This includes $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. Personal Injury Protection (PIP) is also required at $10,000 per person.

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to minimum liability coverages. Although a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance with the highest deductible and liability limits you can afford.

In Kentucky, self-insurance is a common car insurance alternative. This option allows you to prove financial responsibility to cover damages, meeting the state's minimum coverage requirements.

For business owners, fleet insurance offers an alternative. This type of policy covers multiple vehicles under one plan, simplifying the process and often reducing costs.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision and comprehensive coverage. We suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damages to your car from events like theft, vandalism, severe weather, or fire when you're not on the road. Collision coverage handles the costs if your car is damaged in an on-road collision.

If your car is valuable, MoneyGeek advises getting both comprehensive and collision insurance, even though it's not required by law. Choose a deductible for these coverages that you can afford to pay before your insurance covers the remaining costs.

Auto-Owners has the cheapest full coverage at $73 a month, while Cincinnati Insurance offers minimum coverage for just $25. Cheaper isn't always better for car insurance; it's smart to get more protection if you can. Experts say choose the most coverage you can afford for the safest driving in the Bluegrass State.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Kentucky to ensure you get the right coverage for your situation.

MoneyGeek obtained Kentucky auto insurance rates from the Kentucky Department of Insurance and Quadrant Information Services. We examined 25,510 auto insurance quotes from 13 providers across 37 ZIP codes to determine the most affordable car insurance companies in Kentucky.

Kentucky Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Kentucky:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Kentucky

We compared car insurance companies in Kentucky that offer both minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Kentucky.

The minimum coverage liability limits in Kentucky are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $10,000 personal injury protection (PIP) per person

e following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Kentucky

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible