Cheap Car Insurance in Kentucky – NerdWallet

car indemnity is an authoritative purchase, but finding brassy car insurance in Kentucky international relations and security network ’ deoxythymidine monophosphate always easy. That ’ mho why it ’ s important to compare rates from multiple insurers. The average price of full coverage cable car indemnity in Kentucky is $ 2,488 per year, or about $ 207 per month, according to NerdWallet ’ south psychoanalysis. minimum coverage in Kentucky is $ 911 per class on modal, but we found you can probably get a cheaper policy. For exemplar, Kentucky Farm Bureau offers the cheapest rates in Kentucky at $ 402 per year, on average, for minimal coverage car indemnity for a 35-year-old driver with a clean drive record. Why you can trust NerdWallet : Our writers and editors follow rigid column guidelines to ensure paleness and accuracy in our write and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a fourth dimension, so you can easily see how each factor affects pricing.

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Cheapest car indemnity company overall in Kentucky
grange $ 143/month not yet rated .
Cheapest for minimum coverage
Kentucky Farm Bureau $ 33/month not however rated .
Cheapest for unseasoned drivers
Geico $ 240/month

4.5 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Cheapest for drivers with poor credit
grange $ 143/month not even rated .

How we chose the cheapest companies in Kentucky

NerdWallet ’ s column team analyzed cable car insurance rates from 15 car insurers in Kentucky and found the five cheapest options for drivers in respective long time brackets and with different histories, all driving a 2019 Toyota Camry L. For minimal coverage, we looked at rates that reflect the minimum requirements in Kentucky. For full coverage, we used the under coverage limits :

  • $ 100,000 bodily injury liability per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 property damage indebtedness per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive examination coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a set of quotes to find the best cheap car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more know on the road. still, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Kentucky for 20-year-olds

Drivers in Kentucky with clean drive records may want to consider the succeed companies, which had the lowest average rates :

  1. Geico : $ 2,885 per year, or about $ 240 per month .
  2. grange : $ 3,066 per year, or about $ 256 per calendar month .
  3. submit farm : $ 3,295 per year, or about $ 275 per calendar month .
  4. countrywide : $ 4,108 per year, or about $ 342 per month .
  5. tax shelter : $ 4,235 per year, or about $ 353 per month .

Cheapest minimum coverage car insurance in Kentucky for 20-year-olds

Drivers in Kentucky who want equitable the state of matter minimal coverage may want to check with these companies, which had the lowest average rates :

  1. Geico : $ 924 per year, or about $ 77 per month .
  2. state grow : $ 1,081 per year, or about $ 90 per month .
  3. Kentucky Farm Bureau : $ 1,104 per class, or about $ 92 per calendar month .
  4. Electric policy : $ 1,121 per year, or about $ 93 per calendar month .
  5. grange : $ 1,430 per class, or about $ 119 per calendar month .

Cheapest auto insurance in Kentucky for 20-year-olds with poor credit

Drivers with inadequate credit in Kentucky should look at the following insurers with the lowest average rates for minimum coverage :

  1. Geico : $ 1,177 per year, or about $ 98 per month .
  2. grange : $ 1,849 per year, or about $ 154 per calendar month .
  3. state grow : $ 2,348 per year, or about $ 196 per month .
  4. liberal : $ 3,159 per year, or about $ 263 per calendar month .
  5. embrace : $ 3,244 per year, or about $ 270 per month .

Cheapest auto insurance in Kentucky for 20-year-old drivers with one at-fault crash

For drivers with a holocene accident in Kentucky, here are the companies with the lowest average rates for minimal coverage :

  1. Geico : $ 1,165 per year, or about $ 97 per calendar month .
  2. Electric policy : $ 1,180 per year, or about $ 98 per month .
  3. Kentucky Farm Bureau : $ 1,339 per year, or about $ 112 per calendar month .
  4. state farm : $ 1,385 per year, or about $ 115 per month .
  5. grange : $ 1,803 per year, or about $ 150 per calendar month .

Cheapest auto insurance in Kentucky for 20-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

  1. Geico : $ 1,349 per year, or about $ 112 per calendar month .
  2. state grow : $ 1,675 per class, or about $ 140 per calendar month .
  3. progressive : $ 2,088 per year, or about $ 174 per month .
  4. grange : $ 2,248 per class, or about $ 187 per calendar month .
  5. Electric policy : $ 2,421 per class, or about $ 202 per calendar month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car policy rates than in their teens and 20s. still, factors like a person ’ randomness driving record and cable car make and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in Kentucky for 30-year-olds

Drivers in Kentucky with fairly drive records may get the lowest rates from these companies :

  1. grange : $ 1,723 per class, or about $ 144 per calendar month .
  2. Geico : $ 1,746 per year, or about $ 146 per month .
  3. state of matter farm : $ 1,782 per year, or about $ 148 per month .
  4. Kentucky Farm Bureau : $ 1,790 per year, or about $ 149 per month .
  5. countrywide : $ 2,056 per class, or about $ 171 per month .

Cheapest minimum coverage car insurance in Kentucky for 30-year-olds

Drivers in Kentucky who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Kentucky Farm Bureau : $ 402 per class, or about $ 34 per month .
  2. Geico : $ 497 per year, or about $ 41 per calendar month .
  3. state farm : $ 503 per year, or about $ 42 per month .
  4. Electric policy : $ 589 per year, or about $ 49 per month .
  5. Encova : $ 722 per year, or about $ 60 per month .

Cheapest auto insurance in Kentucky for 30-year-olds with poor credit

Drivers with poor credit in Kentucky should consider the following companies with the lowest average rates for full coverage :

  1. grange : $ 2,103 per class, or about $ 175 per month .
  2. Geico : $ 2,258 per year, or about $ 188 per calendar month .
  3. nationally : $ 3,084 per class, or about $ 257 per month .
  4. state farm : $ 3,473 per year, or about $ 289 per month .
  5. state car : $ 3,627 per year, or about $ 302 per calendar month .

Cheapest auto insurance in Kentucky for 30-year-old drivers with one at-fault crash

For drivers in Kentucky with a late accident, here are the lowest average rate options for broad coverage :

  1. state farm : $ 2,113 per year, or about $ 176 per calendar month .
  2. grange : $ 2,232 per year, or about $ 186 per calendar month .
  3. Geico : $ 2,350 per class, or about $ 196 per month .
  4. Kentucky Farm Bureau : $ 2,389 per year, or about $ 199 per month .
  5. Electric indemnity : $ 2,705 per year, or about $ 225 per month .

Cheapest auto insurance in Kentucky for 30-year-old drivers after a DUI

For the cheapest car indemnity after a DUI, we found the come options for full coverage .

  1. state of matter farm : $ 2,416 per year, or about $ 201 per calendar month .
  2. grange : $ 2,593 per class, or about $ 216 per calendar month .
  3. Geico : $ 2,817 per class, or about $ 235 per calendar month .
  4. progressive : $ 2,893 per year, or about $ 241 per month .
  5. nationally : $ 3,601 per year, or about $ 300 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but calm pay more than older historic period groups. Shopping around for bum cable car indemnity quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ thyroxine drive behind the wheel frequently might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Kentucky for 40-year-olds

Drivers in Kentucky with fairly driving records may want to think about the watch companies, which had the lowest average rates :

  1. grange : $ 1,717 per year, or about $ 143 per calendar month .
  2. Geico : $ 1,718 per year, or about $ 143 per calendar month.
  3. Kentucky Farm Bureau : $ 1,742 per year, or about $ 145 per calendar month .
  4. state grow : $ 1,745 per year, or about $ 145 per month .
  5. country car : $ 1,972 per year, or about $ 164 per month .

Cheapest minimum coverage car insurance in Kentucky for 40-year-olds

Drivers in Kentucky who want precisely the minimal coverage may want to check prices from these companies, which had the lowest average rates :

  1. Kentucky Farm Bureau : $ 389 per year, or about $ 32 per month .
  2. Geico : $ 494 per year, or about $ 41 per calendar month .
  3. Electric indemnity : $ 497 per year, or about $ 41 per month .
  4. state farm : $ 505 per year, or about $ 42 per calendar month .
  5. Encova : $ 722 per class, or about $ 60 per month .

Cheapest auto insurance in Kentucky for 40-year-olds with poor credit

Drivers with poor recognition in Kentucky can check out the following insurers with the lowest average rates for wide coverage :

  1. grange : $ 2,095 per year, or about $ 175 per calendar month .
  2. Geico : $ 2,184 per class, or about $ 182 per calendar month .
  3. nationally : $ 3,022 per class, or about $ 252 per calendar month .
  4. state farm : $ 3,392 per year, or about $ 283 per month .
  5. department of state car : $ 3,426 per year, or about $ 286 per month .

Cheapest auto insurance in Kentucky for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kentucky, here are the companies with the lowest average rates for full coverage :

  1. state farm : $ 2,070 per class, or about $ 172 per calendar month .
  2. grange : $ 2,298 per year, or about $ 192 per month .
  3. Geico : $ 2,311 per year, or about $ 193 per month .
  4. Kentucky Farm Bureau : $ 2,322 per class, or about $ 194 per month .
  5. Electric policy : $ 2,359 per year, or about $ 197 per month .

Cheapest auto insurance in Kentucky for 40-year-old drivers after a DUI

The cheapest wide coverage car policy we found for drivers with a DUI came from the following companies .

  1. state grow : $ 2,368 per year, or about $ 197 per calendar month .
  2. grange : $ 2,585 per year, or about $ 215 per calendar month .
  3. progressive : $ 2,661 per year, or about $ 222 per month .
  4. Geico : $ 2,770 per year, or about $ 231 per month .
  5. countrywide : $ 3,554 per class, or about $ 296 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver ’ mho sex and location, so it ’ south smart to shop around to find the best pace. Our list of cheap car insurance companies is a good put to start.

Cheapest full coverage car insurance in Kentucky for 50-year-olds

Drivers in Kentucky with clean drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. Kentucky Farm Bureau : $ 1,455 per class, or about $ 121 per month .
  2. grange : $ 1,623 per year, or about $ 135 per month .
  3. Geico : $ 1,702 per class, or about $ 142 per calendar month .
  4. state farm : $ 1,705 per class, or about $ 142 per calendar month .
  5. protection : $ 1,717 per year, or about $ 143 per calendar month .

Cheapest minimum coverage car insurance in Kentucky for 50-year-olds

Drivers in Kentucky who opt for the express minimum coverage may want to consider the follow companies, with the lowest average rates :

  1. Kentucky Farm Bureau : $ 329 per year, or about $ 27 per calendar month .
  2. Electric insurance : $ 465 per year, or about $ 39 per month .
  3. Geico : $ 500 per year, or about $ 42 per month .
  4. country grow : $ 501 per year, or about $ 42 per calendar month .
  5. Encova : $ 605 per class, or about $ 50 per calendar month .

Cheapest auto insurance in Kentucky for 50-year-olds with poor credit

Drivers with poor credit in Kentucky can check with the following companies, which showed the lowest average rates for entire coverage :

  1. grange : $ 1,973 per year, or about $ 164 per month .
  2. Geico : $ 2,364 per year, or about $ 197 per month .
  3. countrywide : $ 2,861 per year, or about $ 238 per month .
  4. state car : $ 3,048 per class, or about $ 254 per calendar month .
  5. submit farm : $ 3,305 per class, or about $ 275 per month .

Cheapest auto insurance in Kentucky for 50-year-old drivers with one at-fault crash

For drivers living in Kentucky with a late accident, here are the insurers with the lowest average full coverage rates :

  1. Kentucky Farm Bureau : $ 1,927 per year, or about $ 161 per month .
  2. department of state grow : $ 2,025 per year, or about $ 169 per calendar month .
  3. Electric policy : $ 2,102 per year, or about $ 175 per month .
  4. grange : $ 2,239 per year, or about $ 187 per calendar month .
  5. Geico : $ 2,423 per class, or about $ 202 per calendar month .

Cheapest auto insurance in Kentucky for 50-year-old drivers after a DUI

The cheapest car insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage .

  1. express farm : $ 2,319 per year, or about $ 193 per month .
  2. grange : $ 2,433 per class, or about $ 203 per calendar month .
  3. progressive : $ 2,484 per class, or about $ 207 per calendar month .
  4. Geico : $ 2,781 per year, or about $ 232 per month .
  5. Kentucky Farm Bureau : $ 3,320 per year, or about $ 277 per calendar month .

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other long time groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make certain to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Kentucky for 60-year-olds

Drivers in Kentucky with clean drive records may want to think about getting quotes from these companies, which had the lowest modal rates :

  1. Kentucky Farm Bureau : $ 1,455 per year, or about $ 121 per calendar month .
  2. grange : $ 1,538 per year, or about $ 128 per month .
  3. department of state farm : $ 1,617 per year, or about $ 135 per month .
  4. express car : $ 1,623 per class, or about $ 135 per calendar month .
  5. Geico : $ 1,702 per year, or about $ 142 per month .

Cheapest minimum coverage car insurance in Kentucky for 60-year-olds

Drivers in Kentucky who want barely the submit minimum coverage may want to check with these insurers, which had the lowest median rates :

  1. Kentucky Farm Bureau : $ 329 per year, or about $ 27 per month .
  2. Electric policy : $ 444 per year, or about $ 37 per month .
  3. country grow : $ 474 per class, or about $ 40 per calendar month .
  4. Geico : $ 500 per year, or about $ 42 per calendar month .
  5. Encova : $ 625 per year, or about $ 52 per calendar month .

Cheapest auto insurance in Kentucky for 60-year-olds with poor credit

Drivers with inadequate recognition in Kentucky can look at the following companies with the lowest average rates for wide coverage :

  1. grange : $ 1,862 per class, or about $ 155 per calendar month .
  2. Geico : $ 2,366 per year, or about $ 197 per month .
  3. countrywide : $ 2,666 per year, or about $ 222 per month .
  4. country car : $ 2,793 per year, or about $ 233 per month .
  5. state grow : $ 3,114 per year, or about $ 260 per calendar month .

Cheapest auto insurance in Kentucky for 60-year-old drivers with one at-fault crash

For drivers with a late accident survive in Kentucky, hera are the companies with the lowest modal rates for full coverage :

  1. country grow : $ 1,920 per year, or about $ 160 per month .
  2. Kentucky Farm Bureau : $ 1,927 per year, or about $ 161 per calendar month .
  3. Electric policy : $ 2,012 per year, or about $ 168 per month .
  4. grange : $ 2,146 per year, or about $ 179 per calendar month .
  5. Geico : $ 2,428 per year, or about $ 202 per calendar month .

Cheapest auto insurance in Kentucky for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for full coverage .

  1. country farm : $ 2,198 per year, or about $ 183 per month .
  2. grange : $ 2,286 per class, or about $ 190 per month .
  3. progressive : $ 2,391 per year, or about $ 199 per month .
  4. Geico : $ 2,789 per class, or about $ 232 per calendar month .
  5. countrywide : $ 3,274 per year, or about $ 273 per calendar month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an immediate family member who is — chances are you ‘ll get a relatively brassy rate with USAA, a caller that is n’t available to the general public. Because of that limitation, USAA is n’t ranked with the others, but it was among the cheapest five car policy options for 46 of the 48 driver profiles we examined.

Minimum required auto insurance in Kentucky

Kentucky car insurance policies must include indebtedness coverage and personal injury auspices in at least the following amounts :

  • $ 25,000 bodily injury indebtedness per person .
  • $ 50,000 bodily injury indebtedness per incident .
  • $ 25,000 property damage liability per incident .

alternatively, policies with a compound single limit of $ 60,000 besides satisfy the minimal prerequisite, according to the country ’ mho web site. Keep in mind that these are only the bare essentials. A good at-fault crash could easily leave damages that surpass these limits, which is why most drivers can benefit from purchasing more than the minimum liability coverage. Check out NerdWallet ’ s summation of car policy requirements by state for more details on how your Kentucky car policy policy works and optional coverages you might want, such as collision and comprehensive indemnity.

Alternative car insurance in Kentucky

Drivers who ’ ve been denied car indemnity on the voluntary marketplace, due to a checker drive read or other factors, can seek coverage through the Kentucky Automobile Insurance Plan. Try NerdWallet ’ sulfur car policy comparison tool to view estimates from leading companies side-by-side and possibly save hundreds of dollars on your premium .

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