Cheapest Car Insurance in Kentucky (2022)

The cheapest car insurance companies in Kentucky: USAA, $75 a month; Kentucky Farm Bureau, $94; and Allstate, $105.

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USAA, Kentucky Farm Bureau and Allstate have the cheapest auto insurance rates in Kentucky, according to our research. USAA has an average minimum-coverage rate of $75 a month and a full-coverage rate of $153 a month. Kentucky Farm Bureau has the next-lowest average rate of $94 a month for minimum-coverage insurance and $175 a month for full coverage.

Keep in mind that USAA only sells auto insurance to current and veteran military members, as well as their families. For non-military, Kentucky Farm Bureau is the cheapest option.

In this article

Who has the cheapest car insurance in Kentucky?

Kentucky drivers with a clean driving record can get the most affordable rates for minimum and full-coverage car insurance from USAA. Kentucky Farm Bureau comes in with the next-lowest rates for both coverage types. Both USAA and Kentucky Farm Bureau fall under Kentucky's average rate of $151 a month for minimum coverage and $286 for full coverage.

Cheapest minimum-coverage car insurance in Kentucky

USAA is the cheapest minimum-coverage auto insurance provider in Kentucky, with an average rate of $75 a month. Kentucky Farm Bureau is next cheapest, at $94 a month.

Company Monthly rate
USAA $75
Kentucky Farm Bureau $94
Allstate $105
Progressive $152
GEICO $165
Nationwide $179
State Farm $288
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum-coverage auto insurance is also known as "liability auto insurance" or "standard auto insurance." It covers medical bills and legal costs for others that may arise due to an accident you cause. Most states require drivers to carry certain limits of liability car insurance to drive legally. Kentucky's minimum-coverage car insurance limits are:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

Kentucky also requires drivers to carry the following uninsured motorist coverage limits:

  • Per person: $25,000
  • Per accident: $50,000

Furthermore, Kentucky is what's known as a "choice no-fault state." This means insured drivers must file claims for accidental damage with their own insurer first, regardless of who is at fault, Kentucky drivers do have the option of opting out of a no-fault insurance policy for a more traditional policy. Kentucky requires drivers with a no-fault policy to carry $10,000 in personal injury protection (PIP) to cover such costs. The state allows drivers to opt out of carrying PIP by request, but this opens the possibility of being sued for damages in the event of an accident. In either case, drivers still need to carry Kentucky's minimum coverage limits.

Cheapest full-coverage car insurance in Kentucky

USAA has the lowest rate for full-coverage car insurance in Kentucky, $153 a month. Kentucky Farm Bureau is the next cheapest, at $175 a month.

Company Monthly rate
USAA $153
Kentucky Farm Bureau $175
Allstate $205
Progressive $211
Nationwide $304
GEICO $316
State Farm $638
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance is a combination of auto liability coverage plus collision and comprehensive coverages. Liability coverage by itself does not take care of your damages or injuries after an accident, making full coverage valuable. While states do not require full-coverage auto insurance by law, a lender will likely require you to carry it if you finance your car.

Cheapest car insurance for drivers with an accident history

If you have an accident on your auto insurance record, you can find the cheapest minimum-coverage auto insurance with Kentucky Farm Bureau, at $175 a month. USAA has the next-cheapest average rate, at $243 a month.

Company Monthly rate
Kentucky Farm Bureau $175
USAA $243
Allstate $349
Progressive $357
GEICO $457
Nationwide $459
State Farm $749
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a DUI

Kentucky drivers with a DUI can find the lowest rate with USAA, at $257 a month. Allstate is the next most affordable, at $277 a month.

Company Monthly rate
USAA $257
Allstate $277
Progressive $307
Kentucky Farm Bureau $412
Nationwide $596
State Farm $694
GEICO $755
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Kentucky, a DUI stays on your criminal record forever, unless expunged, and remains on your driving record for 10 years. A first-offense DUI carries the following penalties:

  • Up to 48 hours to 30 days in jail.
  • $200 to $500 in fines, plus a mandatory $375 service fee.
  • 30 to 120 days license revocation.

Cheapest car insurance for drivers with a speeding ticket

Kentucky drivers can find the cheapest minimum-coverage car insurance after a speeding ticket from Kentucky Farm Bureau, at $175 a month. USAA is the next cheapest, at $197 a month.

Company Monthly rate
Kentucky Farm Bureau $175
USAA $197
Allstate $245
Progressive $291
GEICO $316
Nationwide $596
State Farm $694
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance companies for teen drivers

USAA, Progressive and Allstate have the lowest car insurance rates for Kentucky teens, whether they're looking for minimum or full-coverage policies.

An 18-year-old driver in Kentucky pays $346 a month for minimum-coverage car insurance, or $687 for full coverage, on average. Teen drivers pay the most for car insurance of any age group. Car insurance companies consider teens to be the highest-risk demographic due to their lack of experience, and charge them higher rates to compensate for potential losses.

Cheapest minimum-coverage car insurance for teens

Teen drivers pay the lowest rate with USAA, which offers an average premium of $131 a month in Kentucky for auto liability insurance. Progressive has the second-cheapest rate, at $168 a month.

Company Monthly rate
USAA $131
Progressive $168
Allstate $177
Kentucky Farm Bureau $231
GEICO $409
Nationwide $472
State Farm $837
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage auto insurance for teens

Kentucky teens looking for full-coverage auto insurance can get the lowest rate from Progressive, at $264 a month, on average. USAA is the next lowest, at $266.

Company Monthly rate
Progressive $264
USAA $266
Allstate $401
Kentucky Farm Bureau $465
GEICO $812
Nationwide $887
State Farm $1,714
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after an accident

If you're a teen driver with an accident on your auto insurance record, your cheapest minimum-coverage rate comes from USAA, at an average $393 a month. Progressive is the next cheapest, at $413 a month.

Company Monthly rate
USAA $393
Progressive $413
Kentucky Farm Bureau $560
Allstate $719
GEICO $930
Nationwide $1,005
State Farm $2,046
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI

Kentucky teens with a DUI pay the lowest rate with Progressive, at $376 a month. USAA is the next most affordable auto insurance company, at $459 a month, on average.

Company Monthly rate
Progressive $376
USAA $459
Allstate $567
Kentucky Farm Bureau $1,138
Nationwide $1,153
GEICO $1,254
State Farm $1,880
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

Teens with a speeding ticket pay the lowest average rate with USAA for auto liability insurance, at $347 a month. Progressive is the next cheapest, at $355 a month.

Company Monthly rate
USAA $347
Progressive $355
Kentucky Farm Bureau $465
Allstate $494
GEICO $812
Nationwide $1,153
State Farm $1,880
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Kentucky

USAA, Kentucky Farm Bureau and Progressive have the overall cheapest car insurance rates for Kentucky seniors. Seniors pay higher rates than younger demographics, except for teens, due to the higher risk that comes with lower reflex time as we age. By comparison, 60-year-old drivers in Kentucky pay an average $145 a month for minimum-coverage car insurance, or $266 for full coverage.

Cheapest minimum-coverage auto insurance for seniors

USAA has the cheapest rate for minimum-coverage car insurance for Kentucky seniors, at $71 a month. Kentucky Farm Bureau is the next cheapest, at $80 a month.

Company Monthly rate
USAA $71
Kentucky Farm Bureau $80
Allstate $110
Nationwide $155
Progressive $160
GEICO $163
State Farm $276
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for seniors

USAA has the cheapest average rate in Kentucky for senior drivers looking for full coverage, at $140 a month. Kentucky Farm Bureau has the second-lowest average rate of $144 a month.

Company Monthly rate
USAA $140
Kentucky Farm Bureau $144
Allstate $206
Progressive $232
Nationwide $253
GEICO $306
State Farm $584
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident record

If you're a senior in Kentucky looking for liability insurance after an accident, Kentucky Farm Bureau has the lowest average rate of $144 a month. USAA is the next-cheapest provider, at $247 a month.

Company Monthly rate
Kentucky Farm Bureau $144
USAA $247
Allstate $354
Progressive $397
Nationwide $402
GEICO $469
State Farm $689
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI

Seniors with a DUI in Kentucky can find the cheapest rate for car insurance from USAA, at $234 a month. Allstate has the next-cheapest rate, at $279 a month.

Company Monthly rate
USAA $234
Allstate $279
Kentucky Farm Bureau $334
Progressive $339
Nationwide $539
State Farm $636
GEICO $813
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket

Seniors with a speeding ticket pay the cheapest average rate with Kentucky Farm Bureau, at $144 a month. USAA is the second-most affordable insurer, at $180 a month.

Company Monthly rate
Kentucky Farm Bureau $144
USAA $180
Allstate $247
GEICO $306
Progressive $318
Nationwide $539
State Farm $636
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance rates in Kentucky by city

Among Kentucky's largest cities, Hopkinsville residents pay the cheapest average car insurance rate of $111 a month. Florence and Bowling Green share second place for cheapest average premiums, at $115 a month. Covington comes in third, at $119 a month, on average.

City Monthly rate
Hopkinsville $111
Florence $115
Bowling Green $115
Covington $119
Richmond $121
Elizabethtown $121
Georgetown $123
Louisville $171
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are Kentucky's car insurance requirements?

Kentucky state law requires drivers to carry the following minimum car insurance limits:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000
  • Uninsured motorist car insurance per person: $25,000
  • Uninsured motorist car insurance per accident: $50,000
  • Personal injury protection: $10,000 (drivers may opt out)

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Kentucky:

  • Allstate
  • GEICO
  • Kentucky Farm Bureau
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

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