Cheapest Car Insurance in Kentucky

Travelers offers the cheapest full coverage car insurance in Kentucky at $94 per month or $1,123 a year, which is about 31% below the state average. Auto-Owners is a close second at $107 monthly or $1,285 yearly, costing $162 more than Travelers each year. GEICO follows at $109 per month, Shelter Insurance is $115, and State Farm rounds out the top five at $124. Explore the best car insurance in Kentucky for additional carrier comparisons.

Travelers has the lowest liability-only rates at $47 per month or $560 a year, which is about 40% below the state average. 

GEICO follows at $48 monthly. Shelter Insurance and State Farm are both $51 for the same coverage.

Auto-Owners offers competitive minimum coverage rates. Prices vary from $37 per month in Owensboro to $52 in both Georgetown and Louisville. You can also save by looking for the best home and auto insurance bundles in Kentucky

Young drivers in Kentucky get the lowest rates from Auto-Owners, which charges $257 per month for 16-year-olds. Travelers offers the best price for 25-year-olds at $62 monthly and also leads for 17-year-olds at $197, 18-year-olds at $157 and 19- and 20-year-olds at $125 and $106 per month.

The $195 monthly gap between ages 16 and 25 shows how age shapes pricing for teen car insurance and young adults in Kentucky. Drivers comparing cheapest car insurance for college students can look at these providers to find options that match their budget.

Note: Teens under 18 are not allowed to buy their own policy and need a parent or guardian to cosign.

Senior drivers in Kentucky can find low-cost coverage with Cincinnati Insurance, which offers $67 per month for 65-year-olds. Travelers provides the best rate for 70-year-olds at $62 monthly and also leads for 80-year-olds at $78 for minimum limits. 

The small $11 difference from age 65 to age 80 shows how pricing stays steady for experienced drivers. These companies offer rates 31% to 40% below the state average, giving long-time safe drivers lower premiums. Learn more about cheapest car insurance for seniors or senior citizen discounts across carriers.

Kentucky drivers with a DUI can get the lowest minimum coverage from State Farm at $54 per month. Shelter Insurance is next at $66. For full coverage, State Farm is the cheapest at $127 monthly, with Shelter Insurance at $142.

There is a sizable gap between providers for high-risk drivers in Kentucky when comparing the cheapest car insurance for high-risk drivers. You can explore the cheapest car insurance after a DUI across providers to find better rates.

For Kentucky drivers who need SR-22 filing, Travelers offers the lowest minimum coverage at $78 per month, with State Farm close behind at $80. Auto-Owners is $95 monthly, Shelter Insurance charges $97, and GEICO also comes in at $95. For full coverage SR-22 rates, Travelers leads again at $142 per month, followed by Auto-Owners at $168 and State Farm at $188.

The SR-22 certificate itself costs $15 to $50 and is filed by your insurer with Kentucky’s Department of Motor Vehicles. Most drivers must keep an SR-22 for about three years after a serious violation, and maintaining continuous coverage is required during that period. Explore cheapest SR-22 insurance options across carriers to compare rates.

State Farm offers the cheapest non-owner car insurance in Kentucky at $65 per month, about 26% below the state average. Auto-Owners follows at $76 monthly, while Travelers costs $88 for this type of coverage. Non-owner policies are usually cheaper than standard auto insurance because they provide liability protection only and don’t insure a specific vehicle.

Non-owner insurance can help with license reinstatement, SR-22 needs or frequent rental car use. The $23 difference between the lowest and highest rates adds up to $276 a year. Compare cheapest non-owner car insurance or non-owner SR-22 insurance rates nationally to find the best fit.

If you’ve had an at-fault accident in Kentucky, State Farm offers the cheapest minimum coverage at $59 per month. Travelers is next at $64 monthly.

A rate increase of 20% to 40% is common after an at-fault accident.

For Kentucky drivers with a speeding ticket, Shelter Insurance offers the most affordable minimum coverage at $51 per month or $607 a year. Farm Bureau follows at $52 monthly. Defensive driving or traffic school may help reduce future violations.

Grange offers the lowest minimum coverage for Kentucky drivers with poor credit at $63 per month or $752 a year. GEICO follows at $71 monthly, Farm Bureau comes in at $75, Shelter Insurance charges $79, and Nationwide is $106 for minimum limits. 

For full coverage, Grange stays in the lead at $96 per month, giving drivers a $77 monthly or $924 yearly savings compared to GEICO at $173. Kentucky allows insurers to use credit history in their pricing, which raises costs for drivers with poor credit. A higher credit score can lower premiums by hundreds each year.

Your driving record, age, location and credit history all influence car insurance costs in Kentucky. Travelers offers competitive rates with full coverage averaging $94 monthly and minimum coverage starting at $47 monthly. You can save hundreds each year by comparing insurers and taking advantage of available discounts.

Our experts answer the most common questions to help you understand your options for affordable car insurance in Kentucky.

Kentucky's car insurance market presents unique challenges because rates vary between Louisville's urban environment and rural areas, and the state's required personal injury protection (PIP) coverage affects premiums differently than liability-only states. Kentucky's specific minimum liability requirements and geographic rating factors add complexity when comparing insurers. Our research cuts through this to identify which companies offer the lowest rates across Kentucky's diverse markets.

We collected auto insurance data from the Kentucky Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Kentucky. This comprehensive coverage ensures our data reflects what you'll actually pay based on your specific location, whether you're in Louisville, Lexington, or rural counties.

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents Kentucky drivers without violations or poor credit that increase premiums. You'll see base rates here that provide accurate comparisons between insurers, though your personal quote will adjust based on your specific driving history, credit, and location.

We analyzed two coverage scenarios: Minimum coverage meets Kentucky's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage (25/50/25). This satisfies legal requirements but often falls short covering costs in serious accidents, especially given Kentucky's PIP requirements.

Full coverage provides liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle, providing stronger financial protection when accidents occur.

Kentucky rates vary substantially from one city to another. Drivers living just a