Auto Insurance in Kentucky

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Drivers in Kentucky face fairly high auto insurance rates; they’re are several hundred dollars more expensive than the national average. However, prices change considerably from city to city. This makes it especially important for Kentucky residents to get quotes from several insurance providers before purchasing policies.

Kentucky

Population: 4,413,457
Kentucky
$1,753
US Average
$1,669

Kentucky is a predominantly rural state with a few metropolitan centers. The state has a diverse geography that includes mountains, knolls, a large river valley, and the world’s longest cave system. Severe weather can cause flooding in areas with lakes and rivers. The state also experiences several tornadoes per year. Residents should consider getting car insurance policies that will protect them from damage caused by floods and tornadoes.

Kentucky Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$10k
per accident

Kentucky has a fairly low auto insurance coverage requirement compared to the recommended coverage of 50/100/50. With 50/100/50, you get $50,000 per person and $100,000 per accident to cover bodily injuries. You also get $50,000 to cover property damage. In many cases, even this is not enough to protect drivers.

In 2013, the average property damage claim was $3,231. The average claim for bodily injury was $15,443. Since these are averages, though, about half of claims that year were higher. This is bad news for policyholders who may not have as much protection as they think. Once expenses exceed your policy’s limits, you will either have to pay out of your own pocket or go into debt. This is why it’s best to choose a policy with 100/300/100 coverage.

Getting quotes and policy descriptions from several car insurance companies will help you choose an affordable option that matches your needs. Since each insurance company looks at your driver profile in a unique way, some may offer lower prices. Getting quotes from several Kentucky auto insurance companies requires some effort, but it could help you save hundreds of dollars a year.

Cheapest Car Insurance in Kentucky

Yearly Rate

  • $1,309
    State Farm
  • $2,465
    Allstate
  • $1,050
    Kentucky Farm Bureau
  • $2,780
    Liberty Mutual
  • $1,161
    GEICO

If price is your biggest concern, then you should already be focused on getting quotes and policy details from a variety of providers. However, we’ve found that these are the cheapest auto insurers in Kentucky.

Choosing a low-cost insurer will ensure that your premiums are more affordable than more service-based companies. Some companies, though, cut costs by reducing customer service staff and making it harder for policyholders to get reimbursed. Many of the low-cost insurers are also national corporations that you may find less intimate than local companies.

If you care more about saving money than getting good services, then you should definitely explore policies from these companies.

Where is car insurance most affordable?

Your exact car insurance costs will vary based on where in the state you live.

Urban areas like Louisville tend to have higher insurance rates than smaller cities and towns.

Although prices are higher in some parts of Kentucky than others, practically every city’s premiums are higher than the national average. That makes it even more important for Kentucky drivers to compare quotes from several companies. Each insurance provider has a slightly different way of reviewing your driver profile. That often means that some companies will offer lower prices on the coverage you need.

Louisville Auto Insurance

Population: 253,231
Louisville
$1,961
Kentucky
$1,753

Louisville is Kentucky’s largest city, and has a population of more than 600,000 people. The city was founded by settlers who encountered falls in the Ohio River, which is rather wide. These falls forced travelers to stop their progress, so entrepreneurs opened businesses to meet their needs. The falls also prevented shipping boats from moving south. Today, there is a system of locks and pumps that makes it easier for barges to cross the Falls of the Ohio. Before this system was built, shippers had to circumvent the falls by land. Louisville has the state’s highest premiums. It is higher than the state average and considerably higher than the national average.

Lexington Auto Insurance

Population: 308,428
Lexington
$1,463
Kentucky
$1,753

Lexington is primarily a college town where students attend the University of Kentucky and Transylvania University, which are both located near downtown. The city’s outer edges consist of various shopping districts and neighborhoods. With more than 140,000 residents, Lexington is Kentucky’s second-largest city. Compared to the state average, Lexington drivers pay a low price for their car insurance premiums. Unfortunately, drivers still pay more than the national average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.