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The Best Kentucky Auto Insurance

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    Drivers in Kentucky need to stay on top of their vehicle coverage. Insurance is mandatory in Kentucky and carriers must submit an updated list of insured drivers to the state. If you get a notice to provide proof of insurance and don’t respond with evidence in 30 days, your car registration will be canceled. 

    Before you sign up for coverage, take a look at the best car insurance companies in Kentucky. They offer an ample variety of coverages and discounts, digital tools to make transactions easier and even options with local expertise. Some of the top picks for Kentucky are also part of 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* Reviews.com Score 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$1,247.32$2,554.274.4/5A+848/1,00
    Pin Allstate$1,106.19$2,554.274.2/5A+846/1,000
    Pin State Farm$823.99$2,163.574.2/5A++835/1,000
    Pin Kentucky Farm Bureau$960.67$2,030.264/5A851/1,000

    Information accurate as of 11/17/2020 *Data provided by Coverage.com

    Progressive

    Best for Savings

    Why we chose it

    Progressive has the best discounts for car insurance in Kentucky.
    • 4.4 Reviews Score
    • $1,247.32* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive has the best discounts for car insurance in Kentucky.

    Pros

    • Coverage available for all drivers, including those with previous accidents or poor credit
    • Work backwards using Name Your Price to set a budget
    • No claims will help drop your deductible lower

    Cons

    • No accident forgiveness available
    • Low claims satisfaction ratings from J.D. Power
    • Below-average customer satisfaction
    Read More

    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

    *Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    Allstate

    Best Coverage Options

    Why we chose it

    Allstate has enough types of coverage for all driver types, making it the best auto insurance in Kentucky when you’re in need of a unique policy.
    • 4.2 Reviews Score
    • $1,106.19* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 846** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate has enough types of coverage for all driver types, making it the best auto insurance in Kentucky when you’re in need of a unique policy.

    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
    Read More

    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

    *Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Allstate:

    State Farm

    Best Mobile App and Web Tools

    Why we chose it

    State Farm was founded in 1922, but its online resources and robust mobile app make it one of the best car insurance companies in Kentucky for innovation.
    • 4.4 Reviews Score
    • $823.99* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 835** Reviews Score

    Why we chose it

    State Farm was founded in 1922, but its online resources and robust mobile app make it one of the best car insurance companies in Kentucky for innovation.

    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
    Read More

    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 Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    Kentucky Farm Bureau

    Best for Farmers

    Why we chose it

    You’ll need to qualify for membership, but if you do, you’ll have access to local expertise and discounts on a variety of services.
    • 4 Reviews Score
    • $960.67* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    You’ll need to qualify for membership, but if you do, you’ll have access to local expertise and discounts on a variety of services.

    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
    Read More

    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 Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    The average cost of car insurance in Kentucky

    Drivers in the U.S. pay an average of $1,555 each year for full coverage car insurance. Kentucky’s rates are higher than the national average but not near the most expensive in the country.  Coverage.com reports that Kentucky auto insurance rates for full coverage average $1,850 per year. Basic liability insurance is also higher than the national average at $738 per year.

    Expect to pay more for the best car insurance in Kentucky because of the number of traffic fatalities. Kentucky is the fifth-deadliest state in the country when it comes to deaths per 100 million miles traveled at 1.46.

    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.

    Top 3 Cheapest Car Insurance Companies in  Kentucky

    CompanyAverage Annual Premium
    Geico$700.81
    State Farm$823.99
    USAA$929.34

    *Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Kentucky

    CompanyAverage Annual Premium
    Shelter Mutual$2,271.84
    Nationwide$1,800.98
    Safe Auto Ins Co$1,761.98

    *Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Kentucky

    CityAverage Annual Premium*
    Cadiz$893.72
    Madisonville$894.19
    Owensboro$894.23

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Kentucky

    CityAverage Annual Premium*
    Louisville $1,446.72
    Hazard$1,414.42
    Fairdale$1,414.21

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Kentucky Car Insurance 

    Kentucky is an at-fault state with mandatory insurance requirements, meaning the driver who caused the accident is financially responsible for damages. Having the right amount of coverage is essential. 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 the state of Kentucky must carry at least 25/50/25 in liability coverage to pay for damages to others. 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 scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Kentucky, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Kentucky, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.

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