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.
Sources:
Auto insurance by city
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.