Best Auto Insurance Rates in Kentucky

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Find Cheap Car Insurance in Kentucky (2020)

If you’re looking for cheap car insurance in Kentucky, start by getting quotes from Kentucky Farm Bureau or Westfield.

A typical Kentucky driver pays about $939 a year for full-coverage auto insurance if they get it from Kentucky Farm Bureau, according to QuoteWizard research. The same driver pays about $425 a year for state-minimum coverage from Westfield.

That’s a lot cheaper than what most drivers in this state spend on car insurance each year. Our data shows the average Kentucky driver pays $980 annually for the minimum amount of auto insurance the state requires and $1,765 annually for a full-coverage policy.

Keep reading to learn more about:

Where to get cheap car insurance in Kentucky

Based on rate data we gathered for an average driver, Westfield offers the cheapest car insurance in Kentucky for state-minimum coverage with its $425 average annual premium. And Kentucky Farm Bureau offers the cheapest rates in the state for full coverage — which usually includes liability, collision and comprehensive protection — with its $939 average annual premium.

Several other insurers also offer cheap coverage, though, so compare quotes from the ones highlighted below to get your best rate on a policy.

cheapest car insurance in kentucky for state-minimum coverage

Of all the car insurance companies we surveyed for this article, Westfield quoted our sample driver the lowest rates for state-minimum coverage. Kentucky Farm Bureau’s rates were nearly as cheap, though, at $429 per year, or $36 per month.

USAA and State Farm offered similarly low rates to our sample driver at $506 and $586 per year, respectively. Both figures are far below the Kentucky average for state-minimum coverage of $980 per year.

cheapest car insurance in kentucky for full coverage

Kentucky Farm Bureau quoted our sample driver the lowest rates for full-coverage auto insurance at $939 per year, or $78 per month. Westfield and USAA were close behind at $1,006 and $1,020 per year, respectively. State Farm and Grange offer fairly cheap premiums for this type of coverage, too, according to our research.

Best car insurance companies in Kentucky

Westfield, Kentucky Farm Bureau, State Farm and USAA stood out as the best car insurance companies in Kentucky in our study. Here's why.

Westfield: Best value

Naming Westfield the best car insurance company in Kentucky is easy thanks to the fact that our data shows it offers the cheapest rates for state-minimum coverage at just $35 a month, and the second-cheapest rates for full coverage at $84 a month.

Westfield backs up its low rates with a bevy of coverage options. It provides liability, collision and comprehensive auto insurance coverage, of course, but it also provides medical payments and personal injury protection coverage. Westfield sells a few extras, too, like uninsured and underinsured motorist, roadside assistance and gap coverage.

Here are two more reasons to consider Westfield if you’re looking for cheap car insurance as a Kentucky driver:

  • It was the highest-ranked company for the North Central region in the 2019 J.D. Power U.S. Auto Insurance Study, which examines customer satisfaction among car insurers.
  • Since 1934, AM Best has given it an "A" (excellent) or higher rating for financial strength.

Kentucky Farm Bureau: Best local provider

Not only is Kentucky Farm Bureau our choice for best local provider, but it’s also our runner-up for cheapest car insurance rates in the Bluegrass State.

Consider this: While our “best value” provider, Westfield, offers state-minimum auto insurance for as little as $35 per month, according to our research, Kentucky Farm Bureau offers it for only $1 more per month. And our data shows that getting full coverage auto insurance from Kentucky Farm Bureau can be even cheaper than getting it from Westfield. The quotes we received from Westfield for a full-coverage policy averaged $84 per month. The quotes we received from Kentucky Farm Bureau for the same coverage averaged $78 per month — which adds up to a savings of about $70 per year.

As you might expect, there’s more to Kentucky Farm Bureau than low car insurance premiums. One example: It makes several discounts available to policyholders, including a good student discount, a safe driver discount and a multi-vehicle discount. Also, it has an A+ rating with the Better Business Bureau.

State Farm: Best nationwide provider

State Farm is a great option for drivers in Kentucky who don’t want to get car insurance from a local or regional company.

Yes, we found State Farm’s rates to be higher than Westfield’s and Kentucky Farm Bureau’s while surveying the state’s insurers, but only by a bit. For instance, the quotes we got from State Farm for state-minimum coverage averaged $586 a year, or $49 a month. That’s $161 a year, or $14 a month, more than the quotes we got from Westfield for the same coverage. However, it’s also $394 a year, or $33 a month, less than what the average driver pays for car insurance in Kentucky.

Beyond its cheap premiums, State Farm deserves a look from Kentucky drivers for the following reasons:

  • It offers every kind of auto insurance you can think of and then some — like rideshare coverage.
  • It offers a ton of discounts, too, such as an accident-free discount, an anti-theft discount and a multi-line discount.
  • It has received awards for both its community and environmental work, and it has been recognized as a top employer.

USAA: Best for military members and their families

Like State Farm, USAA’s car insurance rates are comparable to those offered by our top picks here, Westfield and Kentucky Farm Bureau.

In fact, the quotes USAA sent us as part of our research were cheaper than the ones State Farm sent us. At $1,020 per year for full-coverage auto insurance, USAA is $174 less than State Farm. The same is true when it comes to state-minimum auto insurance. The rates USAA quoted our sample driver for this type of coverage averaged $506 per year — or $80 per year less than State Farm’s quote.

Unfortunately, only military members and their families can buy such coverage from USAA. If you’re eligible, though, it’s one of the best car insurance companies for military members and veterans in Kentucky.

We consider Westfield, Kentucky Farm Bureau, State Farm and USAA the best car insurance companies in Kentucky, but what do the state’s drivers think?

They certainly seem to like State Farm and Kentucky Farm Bureau. According to data we gathered from S&P Global, State Farm is the largest auto insurer in Kentucky and writes 24% of the state’s auto policies. Kentucky Farm Bureau isn’t far behind it, though, with its 20% market share.

Company Kentucky market share
State Farm 24%
Kentucky Farm Bureau 20%
Progressive 8%
Liberty Mutual 7%
Allstate 6%
GEICO 6%
USAA 6%
Nationwide 2%
Travelers 2%
State Auto 2%
Source: S&P Global

USAA writes just under 6% of Kentucky’s car insurance policies. That’s enough for it to rank seventh among the state’s most popular insurers.

Although it isn’t included in this table, Westfield ranks 22nd among Kentucky’s most popular car insurance providers. It covers half of 1% of the local market.

Kentucky auto insurance requirements

If you own and drive a vehicle in Kentucky, you must buy at least a minimum amount of liability car insurance coverage for it.

Specifically, you must buy a policy with at least:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident

Another option is to buy a policy with a single limit of $60,000.

Kentucky drivers who don’t maintain insurance on their vehicles may lose their registrations. They also face fines of $500 to $1,000 and up to 90 days in jail.

Methodology

We conducted a comprehensive study of auto insurance rates in Kentucky through Quadrant Information Services for this article. The collected quotes were for a single, 35-year-old male with an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible.

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