State Farm offers the most low-cost car insurance for Kentucky drivers both for indebtedness coverage adenine well as full coverage policies. however, how much you pay for car policy will vary depending on factors like your old age, accredit score, coverage sum and driving criminal record. For exemplify, if you are a young driver, you will find the lowest car insurance is from Allstate, while USAA offers the cheapest coverage for military members and their families .iconribbon cheap car indemnity

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Kentucky 2022

The Cheapest Car Insurance in Kentucky

Cheapest Minimum Liability Car Insurance in Kentucky

The cheapest option for drivers looking for car indemnity in Kentucky is a minimum indebtedness only policy, which meets the country requirements for coverage. If you are looking for a policy with broader protective covering, it would be best to get higher levels of coverage. Based on MoneyGeek ’ second study, the cheapest car policy in Kentucky for a minimum coverage policy are :

  • State Farm: $428 per year
  • GEICO: $493 per year

USAA, at an average price of $ 369 per year, is the most low-cost choice in the state. however, it is only available to stream and former military members. The policy carrier with the most expensive policy for minimum coverage in Kentucky is MetLife. Its policy costs $ 1,621 per year .

Cheapest Minimum Car Insurance in Kentucky
  • company annually monthly
  • 1 .USAA $ 369 $ 31
  • 2 .State Farm $ 428 $ 36
  • 3 .GEICO $ 493 $ 41
  • 4. Kentucky Farm Bureau $ 529 $ 44
  • 5 .Allstate $ 722 $ 60
  • 6 .Travelers $ 760 $ 63
  • 7 .Progressive $ 902 $ 75
  • 8 .Nationwide $ 1,325 $ 110
  • 9 .MetLife $ 1,621 $ 135

These prices are alone estimates based on rates for an average Kentucky driver and should not be used to compare indemnity prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Kentucky

A full coverage policy with higher liability limits and comprehensive and collision insurance will protect you against most road and off-road accidents in Kentucky. It costs more than a minimum coverage policy, but it will protect you against the cost of damages to your own vehicle. To find the best policy for your needs, compare quotes from respective insurers. The two most low-cost car policy providers in Kentucky for comprehensive examination and collision coverage are :

  • State Farm: $872 per year
  • GEICO: $874 per year

At an average of $ 785 per class, USAA is the most low-cost option for current and former military members. The most expensive entire coverage car policy policy in Kentucky is from MetLife. Their average annual premium is $ 2,212 .

Cheapest Full Coverage Car Insurance in Kentucky
  • caller per annum monthly
  • 1 .USAA $ 785 $ 65
  • 2 .State Farm $ 872 $ 73
  • 3 .GEICO $ 874 $ 73
  • 4. Kentucky Farm Bureau $ 1,006 $ 84
  • 5 .Allstate $ 1,250 $ 104
  • 6 .Travelers $ 1,310 $ 109
  • 7 .Progressive $ 1,575 $ 131
  • 8 .Nationwide $ 2,145 $ 179
  • 9 .MetLife $ 2,212 $ 184

These prices are based on average rates for a comprehensive and collision indemnity policy that covers improving to $ 100,000 in bodily injury liability coverage per person, $ 300,000 in bodily injury indebtedness coverage per accident and $ 100,000 in property price coverage per accident. Individual premiums will vary and may be different from the averages shown.

How to Compare Cheap Kentucky Car Insurance Quotes Online

Most car policy companies in Kentucky have on-line tools that allow drivers to get reasonably accurate quotes. To find the best policy, it is ideal to get quotes from multiple insurers .

  • Start by determining the coverage level you will need. Then, keep quotes consistent. For example, if you get a quote for $300,000 in bodily liability insurance per accident from one insurer, use the same number when you get quotes from other providers.
  • MoneyGeek’s calculator helps you to compare car insurance quotes in Kentucky without providing your personal information. However, if you are looking for a personalized quote, you will need to provide more details. You can also review MoneyGeek’s price data to see which company websites you should visit.
  • Overall, the three most affordable auto insurance companies in Kentucky are USAA, State Farm and GEICO. You can start your search for the best policy by getting quotes from these companies.

Auto Insurance Calculator

state Kentucky senesce 30-65 drive record clean credit rating score excellent Vehicle Type compendious Vehicle year 2020 Liability Coverage express Min Comprehensive and Collision Insurance none gender female

Average Annual Auto Insurance Rates

Click the section of the bicycle in your price stove to see options. low end on average high end Click your preferable price crop to see company options. Click an insurance company below to visit their inspection page or continue to your personalize quote. company average annual Rates 1 .USAA $ 372 2 .State Farm $ 425 3 .GEICO $ 467 4. Kentucky Farm Bureau $ 525 5 .Allstate $ 726

Cheapest Car Insurance for Drivers With a DUI in Kentucky

Kentucky drivers who have dangerous violations in their drive history, such as a DUI, normally have higher policy rates due to increased risk. The median cost of cable car indemnity for Kentucky drivers with a DUI is $ 2,597 per year. A similar policy for a driver with a clean record costs $ 1,405 per annum. The cheapest options for a full coverage policy for drivers with a DUI in Kentucky are :

  • State Farm: $939 per year
  • Allstate: $1,620 per year

USAA offers stream and early military members and their families cheap coverage at $ 1,266 on median per year. The most expensive cable car insurance for drivers with a DUI in Kentucky is MetLife at $ 5,439 on average per annum .

Average Car Insurance Rates With a DUI
  • ship’s company per annum monthly
  • 1 .State Farm $ 939 $ 78
  • 2 .USAA $ 1,256 $ 105
  • 3 .Allstate $ 1,620 $ 135
  • 4 .Progressive $ 1,839 $ 153
  • 5. Kentucky Farm Bureau $ 2,228 $ 186
  • 6 .GEICO $ 2,261 $ 188
  • 7 .Travelers $ 2,277 $ 190
  • 8 .Nationwide $ 4,171 $ 348
  • 9 .MetLife $ 5,439 $ 453

A DUI in Kentucky can affect more than just cable car indemnity rates. even a first time DUI can mean imprison time, fines, meaning program requirements, ignition interlock and license suspension. In Kentucky, Insurance Institute for Highway Safety, 1,722 people died in car crashes involving alcohol from 2009-2018 and 1.4 % of Kentucky drivers admit to drive after drinking excessively a lot in the last 30 days. The table above provides an estimate of the monthly bounty the average driver can expect to pay with a DUI on their drive record in Kentucky. A conviction for DUI can stay on your drive criminal record for five years and a commercial license for ten-spot years. Find out the true cost, besides an increase of indemnity premiums with our template outlining the true price of receiving a DUI.

Cheapest Car Insurance in Kentucky for Drivers With an At-Fault Accident

Drivers with an at-fault accident on their drive record will pay well higher car indemnity premiums than those with a clean driving record. The average cost of car insurance for drivers with an at-fault accident is $ 2,035 per year. In Kentucky, the companies with the lowest average rates for drivers with an at-fault accident are :

  • State Farm: $1,006 per year
  • Kentucky Farm Bureau: $1,315 per year

While USAA is the second-cheapest for drivers with an at-fault accident in Kentucky with a price of $ 1,141, its policies are only available to current and early military members .

Cheapest Car Insurance With an At-Fault Accident

Speeding and distract driving tickets can affect your chances of getting bum cable car indemnity in Kentucky. Receiving tickets is a sign to insurance companies that you may be a hazardous driver. The table above shows the average monthly car insurance bounty for the average driver with a speed or distracted driving ticket. presently, the law bans cell telephone manipulation for teens but allows calls to be made by drivers 18 and older. however, a bill is being considered to outlaw hand-held cell phone use for all drivers and drivers who are caught will receive higher fines for each offense. Distracted drive is more than using cell phones, it besides includes dress, eat, drinking and talking or interacting with early passengers. It ‘s significant to take steps to prevent perturb driving so that you can be safe on the road. Kentucky

Cheapest Car Insurance Companies in Kentucky for Drivers With Bad Credit

Poor citation scores can lead to higher car policy rates in Kentucky. The average price of a full coverage policy for a driver with bad credit in the state is $ 2,836 per annum. That is more than double the annual average rate for an average driver with good accredit, which is $ 1,405. The cheapest car policy companies in Kentucky for a driver with a hapless credit sexual conquest are :

  • State Farm: $1,682 per year
  • GEICO: $1,873 per year

USAA is $ 1,520 per year on average, making it the most low-cost choice in the submit. however, it is merely available to members of the military. MetLife is the most expensive option in Kentucky for drivers with bad credit at an average of $ 5,700 per annum .

Average Car Insurance Rates for Drivers With Bad Credit
  • company per annum monthly
  • 1 .USAA $ 1,520 $ 127
  • 2 .State Farm $ 1,682 $ 140
  • 3 .GEICO $ 1,873 $ 156
  • 4 .Allstate $ 2,039 $ 170
  • 5 .Travelers $ 2,366 $ 197
  • 6 .Progressive $ 2,527 $ 211
  • 7. Kentucky Farm Bureau $ 3,029 $ 252
  • 8 .Nationwide $ 3,096 $ 258
  • 9 .MetLife $ 5,700 $ 475

Auto policy companies may use credit rating scores to predict the odds person will file a call, according to a study by the Federal Trade Commission. The average in Kentucky is 692, slightly lower than the national average of 703. Depending on your credit score, you may inactive qualify for the best and cheapest cable car policy rates in Kentucky. The above table provides estimates of what drivers in Kentucky can expect to pay in car indemnity if they have a low credit mark. It can be helpful to find ways to improve your citation grade so you can qualify for the most low-cost car insurance with the best coverage.

Cheapest Car Insurance in Kentucky for Seniors

In most cases, elder drivers in Kentucky have slenderly higher rates than youthful adults and middle-aged drivers. The average cost for aged drivers with full coverage in Kentucky is $ 1,499 per year. This is higher than the annual rate of $ 1,405 for average drivers with a similar policy. The car indemnity companies in Kentucky offering the cheapest options for aged drivers are :

  • State Farm: $836 per year
  • Kentucky Farm Bureau: $1,027 per year

The cheapest car policy for military drivers and their families is USAA at an average $ 861 per year. Nationwide is the most costly option for senior drivers in Kentucky at $ 2,233 per year on average .

Average Car Insurance Rates for Seniors
  • ship’s company annually monthly
  • 1 .State Farm $ 836 $ 70
  • 2 .USAA $ 861 $ 72
  • 3. Kentucky Farm Bureau $ 1,027 $ 86
  • 4 .GEICO $ 1,067 $ 89
  • 5 .Allstate $ 1,329 $ 111
  • 6 .Travelers $ 1,578 $ 132
  • 7 .Progressive $ 1,798 $ 150
  • 8 .MetLife $ 2,121 $ 177
  • 9 .Nationwide $ 2,233 $ 186

In Kentucky, 16.3 % of traffic fatalities in 2017 were caused by drivers ages 65 and older. many states have specific drive and refilling rules for seniors. however, Kentucky is not one such state. even without restrictions, seniors should use caution when driving to maintain safety. Always wear a seat belt, lone driving during authorize conditions and avoid consuming substances that will impair your driving ( check with a health care master for guidance about taking certain medications and driving ). The table below shows the average cost per month that seniors can expect to pay for car policy in Kentucky. Slowed reaction times, reduced vision and certain medications can impair a senior ’ south ability to drive, resulting in increase chances of getting a ticket or into an accident. To maintain eligibility for the cheapest car policy rates in Kentucky, seniors can do things like drive a safe vehicle and take a safe drive class.

Cheapest Car Insurance in Kentucky for Young Drivers

Younger drivers pay more for car indemnity because they are considered less have by insurance providers. 16-year-old drivers in Kentucky pay an average of $ 3,907 per class for cable car insurance, while 25-year-old drivers pay an average of $ 1,456. The most low-cost insurance company for young drivers between historic period 16 and 25 is State Farm, which is the cheap on average for individuals from 19 to 25 years .

Annual Car Insurance In Kentucky for Young Drivers

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  • age average cost Cheapest ship’s company company cost
  • 16

    $3,907

    Allstate

    $2,521

  • 17

    $3,772

    Allstate

    $2,254

  • 18

    $3,435

    Allstate

    $1,982

  • 19

    $3,187

    State Farm

    $1,877

  • 20

    $2,737

    State Farm

    $1,665

  • 21

    $2,140

    State Farm

    $1,437

  • 22

    $1,994

    State Farm

    $1,298

  • 23

    $1,777

    State Farm

    $1,166

  • 24

    $1,624

    State Farm

    $1,077

  • 25

    $1,456

    State Farm

    $965

According to the Kentucky Transportation Cabinet, teens make up round 6 % of all the state ‘s drivers but are involved in close to 18 % of all collisions. To keep costs down, adolescent drivers can be added to their class ’ s insurance plan. Young drivers may besides be eligible for scholar discounts to help reduce car indemnity costs, such as being a good student, attending college more than 100 miles from family, driving a safe cable car and maintaining a clean drive record.

Insurance Rate Information for Military Drivers and Veterans

If you ‘re a veteran or one of the 31,000+ active-duty military personnel living in Kentucky, constantly compare prices on car insurance and ask for a military discount rate to save money. Bundling policies with the lapp mailman can besides cut costs. Veterans may besides be eligible for boil down rates on cable car indemnity. Whether living in Kentucky or deployed out of state, military members can register their vehicles with proof of policy by mailing the fees to the County Clerk ‘s office in your hometown. military personnel can besides renew on-line for a small fee. The following board showcases what active-duty members and veterans can expect to pay for car policy in Kentucky .

Average Rates for Kentucky service members

male 25 years

$1,412

50 years

$1,087

female 25 years

$1,318

50 years

$1,064

Car Insurance in Kentucky: What You Need to Know

Unless you register a vehicle as either salvage or a classic motor fomite plan — which means it is n’t fit for the road — you need to register your car in Kentucky. inoperable cars that remain on your place do not need to be insured, but drivers should notify the submit that a car is out of perpetration. Vehicles used seasonally do not have to be see year-round, but motorists have to turn in their license plates to the county clerk to avoid fines when the car is not in practice .

Proof of Insurance in Kentucky

Kentucky insurers provide motorists with proof of coverage in the form of a newspaper policy circuit board or an electronic version. Drivers will probable need to show this card when :

  • The driver registers the vehicle
  • A police officer requests it
  • They are in an accident

Minimum Liability Insurance Requirements in Kentucky

here is the minimum sum of coverage drivers in Kentucky must maintain :

  • $25,000 for injuries per person
  • $50,000 for injuries per accident
  • $25,000 for property damage

alternatively, a Kentucky motorist may carry a policy with a single limit of $ 60,000 .

Alternatives to Insurance in Kentucky

Kentucky drivers have the option of self-insuring their vehicles. They must file paperwork with the Executive Director of Insurance, showing they can pay claims if needed, and they must besides deposit cash or hold property they can liquidate to pay for a claim. typically, you will besides need to provide a list of vehicles to be self-insured and make a security requital via a security bond. self-insurance does not provide extra auspices if you are at mistake. You besides will end up paying out of pouch should a claim be made — and a big claim can wipe out your savings .

How Much Coverage Do You Need in Kentucky?

policy experts generally recommend coverage of $ 100,000/ $ 300,000 for bodily injury liability. You should besides consider comprehensive and collision coverage. comprehensive covers damage caused by events other than a traffic collision, such as inclement weather. Collision coverage will pay to fix your vehicle if it ’ randomness involved in an accident. Speak with an policy professional to determine if you need these coverages for your fomite.

Cheapest Car Insurance in Kentucky by City

In Kentucky, how much you pay for car policy greatly depends on your location. For case, drivers pay an average of $ 1,201 per year for the cheapest full coverage car insurance policy in Lexington, while those in Louisville pay an average of $ 1,610. You can find more details about car policy costs within your area by clicking on your city .

Average Insurance Rate by City in Kentucky

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  • City per annum monthly
  • 1 .Lexington $ 1,201 $ 100
  • 2 .Louisville $ 1,610 $ 134

FAQs About Car Insurance in Kentucky

For most Kentucky drivers, the most common questions about car indemnity center around the cost of the policy and policy company information .

Based on average rates for the average Kentucky driver, the cheapest car policy companies are USAA and State Farm .

The average cost of car policy in Kentucky for the average driver is $ 1,405 per year or approximately $ 117 per month .

The best car insurance company in Kentucky can vary by your needs. patronize around to find the best choice for you .

Driving safely and avoiding violations like speeding tickets or DUIs can help you keep your cable car policy rates in Indiana abject. besides, improving your credit score may lower your rates.

Expert Advice on Finding Cheap Car Insurance in Kentucky

To help you find trustworthy and accurate insight on car insurance in Kentucky, MoneyGeek collected adept advice from prove professionals. The views and sentiments expressed are those of the individual contributor .

  1. What are the samara factors drivers in Kentucky should look for when searching for the best car indemnity coverage ?
  2. What steps can drivers in Kentucky take to find low-cost car indemnity ?
  3. How do regulations and rules in Kentucky impact policy price and how consumers might shop for coverage ?

Jonathan HandyJonathan Handy Jonathan Handy Assistant Professor of Finance at Western Kentucky UniversityMalcolm RobinsonMalcolm Robinson Malcolm Robinson Professor of Economics at Thomas More University

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see you ‘re getting the best pace for your car indemnity. Compare quotes from the top indemnity companies. widget-location-pin About the writerexpert-profileexpert-profile Mandy Sleight is a professional freelance writer and licensed policy agent. She has her property, casualty, biography, and health licenses and has been working in the industry since 2005. Mandy has worked for long-familiar policy companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a start-up employee benefits party. Mandy earned her knight bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master in Business Administration from Southern New Hampshire University. She uses her huge cognition of the indemnity industry and personal finance combined with her writing background to create easy-to-understand and engaging capacity to help readers make smart choices with their budget and finances.

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