Low-cost car insurance in Kentucky

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Travelers provides the lowest car insurance rates in Kentucky at $1,804 a year. The average premium is $186 per month in Kentucky, though your actual rate may vary.

Car insurance requirements differ by state. In Kentucky, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Travelers offers the lowest car insurance rates in Kentucky, at $1,804 per year, which is about 19% the state average.
Auto-Owners has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,629.
The ZIP code 42202 has the low-cost car insurance rates in Kentucky, at an average annual rate of $1,805.

Low-cost car insurance companies in Kentucky

Among all insurers in Kentucky, Travelers comes in lowest at $1,804 per year – 19% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Kentucky.

Company	Average annual rates
Travelers	$1,804
Auto-Owners	$1,911
Shelter Insurance	$1,917
GEICO	$2,106
Kentucky Farm Bureau	$2,113
Progressive	$2,714
State Farm	$2,753
Allstate	$3,127
Farmers	$3,548
USAA*	$1,820

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Kentucky

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Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Kentucky

Drivers in 42202 benefit from the lowest average premium in the state, at $1,805 per year. See the table below to find other ZIP codes in Kentucky where insurance tends to be cheaper.

ZIP code	City	Average annual rates
42202	Adairville	$1,805
42122	Alvaton	$1,807
42274	Rockfield	$1,822
42134	Franklin	$1,825
42276	Russellville	$1,848
40516	Lexington	$1,849
40461	Paint Lick	$1,851
42303	Owensboro	$1,853
42206	Auburn	$1,853
40505	Lexington	$1,854

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Kentucky by city

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Low-cost car insurance in Kentucky by age

Teen drivers in Kentucky pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,972 more than a 40-year-old driver in Kentucky.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$6,573
Young Adults (20-24)	$3,592
Adults (25-60)	$2,239
Seniors (65-75)	$2,220

Low-cost car insurance in Kentucky by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Kentucky

One speeding ticket in Kentucky can cause your insurance rates to jump by 47%, or roughly $1,041 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,911	$2,580	35%	$669
Travelers	$1,804	$2,729	51%	$925
State Farm	$2,753	$2,925	6%	$172
GEICO	$2,106	$3,479	65%	$1,373
Progressive	$2,714	$3,530	30%	$816
Allstate	$3,127	$3,680	18%	$553
Kentucky Farm Bureau	$2,113	$4,893	132%	$2,780
Farmers	$3,548	$6,427	81%	$2,879
USAA*	$1,820	$2,312	27%	$492

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Kentucky

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Auto-Owners has the lowest average rate at $2,629 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Kentucky with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$1,911	$2,629	38%	$718
Travelers	$1,804	$2,634	46%	$830
Kentucky Farm Bureau	$2,113	$2,816	33%	$703
State Farm	$2,753	$3,131	14%	$378
GEICO	$2,106	$3,526	67%	$1,420
Progressive	$2,714	$4,173	54%	$1,459
Allstate	$3,127	$5,787	85%	$2,660
Farmers	$3,548	$6,913	95%	$3,365
USAA*	$1,820	$2,871	58%	$1,051

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Kentucky

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Kentucky are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,804	$2,857	$1,053	58%
State Farm	$2,753	$2,925	$172	6%
Progressive	$2,714	$3,633	$919	34%
Allstate	$3,127	$4,118	$991	32%
Auto-Owners	$1,911	$4,434	$2,523	132%
Kentucky Farm Bureau	$2,113	$4,893	$2,780	132%
GEICO	$2,106	$5,223	$3,117	148%
Farmers	$3,548	$9,035	$5,487	155%
USAA*	$1,820	$2,973	$1,153	63%

*USAA is only available to military community members and their families.

Average cost of car insurance Kentucky

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Kentucky, the average cost of full coverage is $333 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Kentucky, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Kentucky.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Kentucky. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.