Cheapest Car Insurance in Kentucky for 2022


Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in Kentucky

 

City Premium Percent Increase
Madisonville $1,252 0.0%
Owensboro $1,261 0.6%
Hopkinsville $1,289 2.9%
Erlanger $1,313 4.8%
Newport $1,316 5.0%
Independence $1,316 5.1%
Bowling Green $1,317 5.1%
Ft Mitchell $1,319 5.3%
Florence $1,325 5.8%
Murray $1,332 6.4%
Henderson $1,336 6.7%
Covington $1,340 7.0%
Richmond $1,394 11.3%
Georgetown $1,407 12.3%
Ashland $1,426 13.9%
Berea $1,433 14.4%
Paducah $1,433 14.4%
Winchester $1,439 14.9%
Frankfort $1,454 16.1%
Nicholasville $1,468 17.2%
Lexington $1,472 17.5%
Glasgow $1,472 17.5%
Shelbyville $1,554 24.1%
Elizabethtown $1,597 27.5%
Somerset $1,603 28.0%
Bardstown $1,641 31.0%
Shepherdsville $1,760 40.5%
Corbin $1,840 46.9%
London $1,971 57.4%
Louisville $2,174 73.6%

 

Factors That Affect Car Insurance Premiums in Kentucky

 

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their aged years. Comparing cable car indemnity rates can save older drivers hundreds of dollars a year.

Cheapest Car Insurance in Kentucky

6 Tips for How to Get Cheap Car Insurance in Kentucky

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Kentucky, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Kentucky

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose coverage that is right for you

You need

Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
 

5. Live in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Kentucky. On average, drivers in the
 

6. Search for discounts

Top car insurance companies in Kentucky have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
 

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan

Below are additional details regarding the terminology and specific characteristics of the variables in the above table:

  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability, and $10,000 in personal injury protection as required by Kentucky’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Kentucky insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.

WalletHub ’ s psychoanalysis of cheap car indemnity companies in Kentucky is based on data from the Kentucky DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Kentucky drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Kentucky car policy companies by averaging premiums from 34 nothing codes that represent at least 20 % of Kentucky ‘s population. Military-specific companies like USAA were alone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may even be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in accession to the specific subset of characteristics that make up our dependable Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above postpone : Where driver profiles are not specified, WalletHub averaged Kentucky insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative entirely. individual rates will be unlike.

Don ’ thymine forget to include local indemnity companies in your search for brassy cable car indemnity. In Kentucky, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in Kentucky, companies can besides consider your senesce, gender, credit rating history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the monetary value of insurance.You ’ ll see higher rates if you let your indemnity lapse, even if you don ’ deoxythymidine monophosphate own a car. Kentucky drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an modal of 11 % more than those with five or more years of insurance history.You need liability insurance to pay for the other driver ’ mho damages if you ’ re at fault in an accident in Kentucky. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better equip than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.Don ’ triiodothyronine scrimp on the coverage you need, but do make informed choices. That manner, you won ’ t end up paying for more cable car indemnity than you need.Car insurance prices can vary a lot based on slide fastener code in Kentucky. On average, drivers in the most expensive parts of Kentucky spend over $ 1,700 more per year on car indemnity than those living in the least expensive areas.Top car policy companies in Kentucky have a kind of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a scholar, veteran, dependable driver, homeowner, bequeath to go paperless, and more .

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