Cheapest car insurance in Kentucky

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According to Insure.com’s analysis, Travelers has the cheapest car insurance rates for most drivers in Kentucky at $1,804 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with Kentucky’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Travelers

$1,804/year

National avg. rate

Cheapest for at-fault accident: Auto-Owners

$2,629/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Auto-Owners

$2,580/year

Avg. rate after speeding ticket

Cheap car insurance companies in Kentucky

At an average annual rate of $1,804, Travelers offers the cheapest car insurance in Kentucky, 19% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.

It’s important to compare quotes from various carriers to ensure that you get the best deal.

Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Kentucky.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Kentucky

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Kentucky

In Kentucky, the 42202 ZIP code has the most affordable car insurance rates at $1,805. The table below shows the cheapest ZIP codes for car insurance rates.

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.

Cheapest car insurance in Kentucky by age

In Kentucky, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $5,972 more for car insurance than a 40-year-old driver.

The following table shows the cheapest car insurance premiums for drivers of different ages.

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Cheapest car insurance in Kentucky by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Kentucky

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• Auto-Owners: $2,580 per year
• Travelers: $2,729 per year
• State Farm: $2,925 per year

A single speeding ticket in Kentucky can cause your insurance rates to go up by 47%, or $1,041, according to Insure.com’s analysis.

Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Kentucky

Here are the top three companies that offer cheap car insurance after an accident:

• Auto-Owners: $2,629 per year
• Travelers: $2,634 per year
• Kentucky Farm Bureau: $2,816 per year

Auto-Owners offers the cheapest car insurance rates to drivers after an at-fault accident at about $2,629 a year.

If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Kentucky

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Travelers: $2,857 per year
• State Farm: $2,925 per year
• Progressive: $3,633 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Kentucky

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Kentucky is $333 more than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in Kentucky?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Kentucky, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage 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 violation 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing Writer

 

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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.