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How Much is Car Insurance in Kentucky?

Enter your Kentucky zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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For drivers in Kentucky, one of the largest components that determine car insurance rates is where you choose to live. Areas with increased crime or more people like Louisville, Saint Matthews, and Jeffersontown tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The table below lists the priciest cities in Kentucky to purchase car insurance in.

Car insurance prices in Kentucky
Rank City Annual Premium
1 Louisville $2,176
2 Frankfort $1,742
3 Saint Matthews $1,694
4 Ashland $1,673
5 Jeffersontown $1,668
6 Murray $1,613
7 Radcliff $1,606
8 Paducah $1,599
9 Elizabethtown $1,595
10 Henderson $1,557
11 Madisonville $1,552
12 Georgetown $1,536
13 Danville $1,534
14 Richmond $1,520
15 Winchester $1,517
16 Covington $1,487
17 Independence $1,480
18 Hopkinsville $1,478
19 Erlanger $1,478
20 Nicholasville $1,474
21 Florence $1,471
22 Lexington $1,469
23 Owensboro $1,432
24 Bowling Green $1,418
25 Fort Thomas $1,397
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Rate quotes are comparative as vehicle location can influence coverage rates substantially.

Deciding which company quotes the best auto insurance rates in Kentucky will involve a bit more effort than just comparing rates from one or two companies.

Each insurance company has a proprietary method for determining prices, so let’s look at the rankings for the most affordable auto insurance companies in Kentucky. It’s important that readers know that Kentucky auto insurance rates are influenced by many factors that can increase your annual premium. Simply having another birthday, buying a home instead of renting, or having a fender bender can trigger changes in premium that can make some companies cheaper than competitors.

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Rankings for the cheapest Kentucky auto insurance companies
Rank Company Cost Per Year
1 Cincinnati Insurance $1,115
2 Kentucky Farm Bureau $1,163
3 USAA $1,175
4 Auto-Owners $1,371
5 Motorists Mutual $1,569
6 Grange Mutual $1,609
7 Travelers $1,631
8 State Farm $1,848
9 Westfield $1,888
10 Safe Auto $1,913
11 Nationwide $2,003
12 Electric $2,097
13 Progressive $2,119
14 State Auto $2,254
15 Encompass $2,288
16 GEICO $2,437
17 Safeco $2,681
18 MetLife $3,084
19 Shelter $3,135
20 Liberty Mutual $3,598
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Cincinnati Insurance offers some of the best car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also some of the lowest-priced Kentucky auto insurance companies.

As shown in the table above, if you are a policyholder with Kentucky Farm Bureau and switched to Cincinnati Insurance, you could see yearly savings of about $48. Drivers with USAA might save as much as $60 a year, and Auto-Owners policyholders might reduce prices by as much as $256 a year.

To find car insurance in Kentucky for your vehicle, click here to start your free quote or click several companies below for low rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those premiums are averages for all drivers and vehicles and and are not figured with a rate discount in Kentucky. So the insurer that has the cheapest rates for you may not even be included in the list of companies above. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The chart below demonstrates how deductibles can increase or decrease annual premium costs when quoting cheap insurance in Kentucky. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 50-year-old driver could lower rates by $310 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $468 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could drop their prices up to $788 every year by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it will be important to have additional savings on hand to satisfy the extra out-of-pocket expense that comes with higher deductibles.

Safe drivers Kentucky pay cheaper rates

A great way to receive car insurance in Kentucky is to be a good driver and avoid at-fault accidents and violations. The chart below demonstrates how citations and accidents can affect yearly insurance costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $2,137. Get written up for one speeding ticket and the average cost surges to $2,454, an increase of $317 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance in Kentucky jumps again to an average of $3,361. That’s an increase of $1,225, or $102 per month, just for being a little careless behind the wheel!

Low rates can quickly become overpriced

Kentucky auto insurance rates are determined by lots of factors that control the price you pay. Getting older, buying higher coverage limits, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than others. In addition, car insurance companies file new Kentucky car insurance rates every year to reflect underwriting profits or losses. Heavy losses may cause higher priced premiums, while a better claims history may produce more affordable Kentucky car insurance rates.

To illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Kentucky for a 40-year-old female driver with a clean driving record, no accidents, and great credit. If we estimate prices based on her current risk factors, Cincinnati Insurance has the lowest car insurance rates in Kentucky at $1,082 annually. This is $1,061 less than the average premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual are the rest of the best Kentucky auto insurance companies.

In this next rate comparison, we will give the driver in the first example an at-fault accident, slightly worse credit, and a couple of points charged on her driving record. Because each company has a different process for filing rates in each state, analyzing rates could result in a slightly different list of the cheapest Kentucky car insurance companies as shown below.

Kentucky Farm Bureau now has the cheapest car insurance in Kentucky with USAA, Travelers, State Farm, and Westfield now being in the top five. This example illustrates why it is critical to perform a complete rate comparison when trying to find the cheapest insurance rates in Kentucky.

Rates consist of many risk factors and can change without notice, so the best company the last time you shopped around may now not even be in the top five.

Use our FREE quote tool to compare insurance rates now!

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