Best car insurance companies in Kentucky

Fact-checked with HomeInsurance.com

Article Highlights

For drivers looking for the best car insurance in Kentucky, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Kentucky and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Kentucky.

The average Kentucky driver pays $1,842 per year for insurance, which breaks down to about $153 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Kentucky and may not reflect your actual premium quote.

Kentucky quickfacts

  • Cheapest carrier for full coverage in Kentucky is USAA: $1,502
  • Cheapest carrier for minimum coverage in Kentucky is Kentucky Farm Bureau: $420
  • Carrier with highest customer satisfaction in Kentucky: USAA
  • Number of uninsured drivers in Kentucky: 11.5%
  • Kentucky is on the higher end for car insurance rates

Average cost of car insurance in Kentucky

Clean record1 speeding ticket1 accident
Full coverage $1,850 $2,079 $2,340
Minimum coverage $738 $865 $1,051

Quadrant data services, 2020

Best car insurance companies in Kentucky

Average annual premiums by insurance carrier

CompanyFull coverage rateMinimum coverage rate
Allstate $1,946 $683
GEICO $1,681 $479
Progressive $1,998 $680
State Farm $1,678 $455
USAA$1,502 $469
Nationwide $2,493 $1,226
Shelter $3,461 $1,913
Grange $1,744 $686
Safe Auto$3,053 $1,421
Kentucky Farm Bureau $1,834 $420

Quadrant data services, 2020

Car insurance rates in Kentucky by city

CityFull coverage annual rateMinimum coverage annual rate
Louisville $2,051 $996
Lexington $1,631 $655
Bowling Green $1,619 $598
Owensboro $1,697 $561
Covington $1,618 $611

Quadrant data services, 2020

Methodology

Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

  • $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 5 days a week and driving 12,000 miles per year.

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