Drivers in Kentucky must maintain active auto liability insurance with basic personal injury protection (PIP) under the state’s choice no‑fault rules and keep proof available. Kentucky uses electronic insurance verification; if you don’t respond to a proof‑of‑insurance notice, you can face fines and registration or plate suspension, per the Kentucky Department of Insurance.
Before you sign up for coverage, compare multiple top insurers in Kentucky. A strong starting list often includes Kentucky Farm Bureau, State Farm, Erie, GEICO, Progressive, Nationwide, Allstate and USAA (if eligible) based on recent satisfaction and pricing analyses, including the latest J.D. Power U.S. Auto Insurance Study. Many of these carriers also appear on our national list of best car insurance companies.
The 4 Best Auto Insurance Companies in Kentucky
Compare the Top Car Insurance Companies in Kentucky
| Average Price for State Minimum* | Average Price for Full Coverage* | A.M Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Progressive | $926 | $2,150 | A+ | 828 | |
| Pin Allstate | $1,036 | $3,515 | A+ | 838 | |
| Pin State Farm | $477 | $1,540 | A++ | 856 | |
| Pin Kentucky Farm Bureau | $397 | $1,754 | A | 866 |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.
Best for Discounts
Why we chose it
Why we chose it
Pros
- Work backwards using Name Your Price to set a budget
- Long list of discounts
Cons
- No accident forgiveness available
- Low claims satisfaction ratings from J.D. Power
- Below-average customer satisfaction
Types of Coverage Offered
- Custom parts and equipment
- Deductible savings bank
- Gap insurance
- Rideshare
- Rental car reimbursement
- SR-22
Discounts Available
- Automatic payments
- Continuous insurance
- Distant student
- Good student
- Insurance bundles
- Multi-vehicle
- Online quote
- Paperless billing
- Pay in full
- Snapshot® safe driver program
- Teen driver
More Progressive Insurance Reviews
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Rideshare coverage
- Coverage for expensive vehicle upgrades such as high-end sounds systems
- Claims-satisfaction guarantee
Cons
- Claims can’t be filed through the mobile app
- Lower than average customer satisfaction
Types of Coverage Offered
- Classic cars
- Collision and comprehensive
- Rental reimbursement
- Roadside coverage
- Sound system insurance
- Uninsured and underinsured motorist coverage
Discounts Available
- Anti-lock brakes
- Anti-theft devices
- Automatic payments
- Multi-policy
- New car
- Paperless
- Pay-in-full
- Responsible payer
- Safe driver
- Smart student
More Allstate Insurance Reviews
Best Mobile App and Web Tools
Why we chose it
Why we chose it
Pros
- You can file claims through the full-featured mobile app
- Large library of tutorials and articles on insurance
- The largest insurance carrier in the country
Cons
- Insurance coverage options limited to the basics
Types of Coverage Offered
- Collision and comprehensive
- Property damage
- Rental car and travel expenses
- Rideshare
- Roadside assistance
- Uninsured/underinsured motorist
Discounts Available
- Accident-free
- Anti-theft devices
- Defensive driving course
- Drive Safe & Save app
- Driving training
- Good driver
- Good student
- Multi-car
- Multi-policy
- Passive restraint system
- Steer Clear app
- Student away at school
More State Farm Insurance Reviews
Best for Farmers
Why we chose it
Why we chose it
Pros
- A comprehensive list of auto insurance coverage
- Personal attention from a local agent
- Discounts on a variety of other services and purchases
Cons
- Membership required
- $35 annual membership fee
- Small, regional carrier
Types of Coverage Offered
- Collision and comprehensive
- Property damage
- Rental car and travel expenses
- Rideshare
- Roadside assistance
- Uninsured/underinsured motorist
Discounts Available
- Accident-free
- Anti-theft devices
- Defensive driving course
- Drive Safe & Save app
- Driving training
- Good driver
- Good student
- Multi-car
- Multi-policy
- Passive restraint system
- Steer Clear app
- Student away at school
* Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Kentucky
As of 2024–2025, recent, reputable analyses estimate that Kentucky drivers pay roughly $2,600–$3,100 per year for full coverage and about $600–$900 per year for state‑minimum coverage. Exact averages vary by source and driver profile; see Bankrate and NerdWallet for current Kentucky estimates.
Expect to pay more than the national average due to higher claim severity (repair, parts and labor inflation) and Kentucky’s choice no‑fault medical costs. Kentucky is not currently among the top five states for traffic fatality rates; in the latest finalized dataset its motor‑vehicle death rate is roughly around 20 per 100,000 residents (IIHS state‑by‑state fatality tables). Broader premium pressure is also reflected in the BLS Consumer Price Index for motor vehicle insurance.
To save on your car insurance, shop around to compare car insurance prices. The same type of coverage could cost more (or less) with a different carrier, and many insurers now offer telematics/usage‑based programs that can lower rates based on your driving (LexisNexis U.S. Auto Insurance Trends).
Top 3 Cheapest Car Insurance Companies in Kentucky
| Company | Average Annual Full Coverage Premium* |
| USAA | $1,466 |
| State Farm | $1,540 |
| Geico | $1,567 |
*Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Kentucky
| Company | Average Annual Full Coverage Premium* |
| Allstate | $3,515 |
| Electric Insurance Company | $2,702 |
| Safe Auto Ins Co | $2,523 |
*Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Kentucky
| City | Average Annual Full Coverage Premium* |
| Fort Thomas | $1,554 |
| Highland Heights | $1,577 |
| Cold Spring | $1,577 |
*Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Kentucky
| City | Average Annual Full Coverage Premium* |
| Phyllis | $2,914 |
| Mc Carr | $2,911 |
| Ransom | $2,956 |
*Data provided by Bankrate.com.
Guide to Kentucky Car Insurance
Kentucky is a choice no-fault state with mandatory insurance requirements. Most drivers carry basic Personal Injury Protection (PIP) under the Motor Vehicle Reparations Act and may reject no-fault/tort limitations in writing; liability still applies for damages beyond thresholds. Having the right amount of coverage is essential. See the Kentucky DOI Auto Insurance Consumer Guide for details. Other things to know about Kentucky:
- Texting is banned when you’re behind the wheel
- You have 15 days to register an out-of-state vehicle
- Call the police if you’re in an accident with damage over $500 or report it to the Kentucky State Police within 10 days of the occurrence
Car Insurance Add-Ons That Will Further Protect You
Although the state only requires a minimum amount of liability insurance, some drivers, such as owners of newer-model vehicles, should consider getting additional coverage.
- Comprehensive: Comprehensive coverage insures your vehicle against damage from theft, fire and storms.
- Collision: The state-required liability insurance doesn’t pay for damages to your vehicle. Collision coverage will pay for repairs or replacement if you’re at fault.
- Uninsured/underinsured motorist: This type of coverage will pay for your losses if the other driver is at fault and uninsured.
Kentucky Minimum Insurance Requirements
All drivers in Kentucky must carry at least 25/50/25 in liability coverage to pay for damages to others; basic PIP benefits of $10,000 per person are also standard unless rejected. The figures are as follows:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Kentucky Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we referenced recent 2024–2025 Kentucky rate analyses from Bankrate and NerdWallet, which model standardized driver profiles. For full coverage, we considered the following selections for comparability:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, we reference each state’s statutory minimums. Our base profile drivers own a late‑model Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
