Finding Cheap Car Insurance in Kentucky
Shopping around to find cheap car insurance in Kentucky shouldn’t be a time-consuming project. We evaluated insurers in Kentucky to find the lowest options.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Kentucky Car Insurance for Good Drivers
Auto-Owners and Travelers are the cheapest Kentucky car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Kentucky for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 16% in Kentucky. The exact rate increase will depend on the insurance company. Even though you’ll see higher insurance rates, you can still shop around for the best car insurance.
Kentucky Farm Bureau and State Farm have the best average costs for drivers with a speeding ticket in Kentucky, so make sure to get quotes from those companies if you’re shopping for Kentucky auto insurance and have a speeding ticket on your record.
Cheap Kentucky Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that results in an injury to someone else will make it harder to find cheap car insurance. Our analysis found an average increase of 39% in Kentucky compared to drivers with a good driving record.
If you cause a car accident with an injury, Auto-Owners and State Farm may have the most competitive costs among the companies in our analysis.
Cheap Kentucky Car Insurance for Drivers With a DUI
Car insurance rates in Kentucky go up an average of 76% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Kentucky car insurance companies for drivers with a DUI are Progressive and State Farm, among the insurers we analyzed.
Cheap Kentucky Car Insurance for Drivers With Poor Credit
Kentucky car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 89% more for auto insurance in Kentucky.
Progressive and State Farm may be good options if you’re looking for cheap Kentucky auto insurance and you have poor credit.
Cheap Kentucky Car Insurance for Adding a Teen Driver
Adding a teen to your auto insurance increases rates by an average of 82% in Kentucky, compared to rates for a married couple without a teen driver.
Take a look at quotes from Shelter and Nationwide if you’re looking for cheap car insurance for teens in Kentucky.
Cheap Kentucky Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is a pricey entry into adulthood. Our analysis found that Shelter and State Farm offer the cheapest Kentucky car insurance for young drivers.
Cheap Kentucky Car Insurance for Senior Drivers Ages 60-80
State Farm and Geico offer the best car insurance for seniors who are looking for low costs in Kentucky. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Required Car Insurance Discounts in Kentucky
Kentucky auto insurance companies must provide the discounts below. Other discounts are up to the insurer.
Anti-theft device discount
Kentucky car insurance companies must offer discounts of between 5% and 20% for vehicles with anti-theft devices. Two or more anti-theft devices get Kentucky drivers the highest discount. Insurers must also give a 15% discount off comprehensive coverage if you etch anti-theft device notifications on all windows.
Older adult discount
Kentucky drivers who are age 55 and over and complete an approved accident prevention course are eligible for a car insurance discount. The discount is good for at least three years, and up to five years, and it’s renewable.
Armed forces discount
Members of the armed forces must get a discount for three to five years if they complete an approved accident prevention course. The discount is renewable.
Least Expensive Vehicles for Insurance in Kentucky
With the right vehicle, you can potentially save money on auto insurance. In Kentucky, the Honda CR-V LX, Subaru Crosstrek and Subaru Forester 2.5i are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive cars for insurance in Kentucky among popular models are the Lexus ES 300H ($3,019 per year) and the Tesla Model S Performance/Plaid ($4,621 per year).
| Vehicle | Average annual premium in Kentucky |
|---|---|
|
Honda CR-V LX
|
$1,979
|
|
Subaru Crosstrek
|
$1,984
|
|
Subaru Forester 2.5i
|
$1,991
|
|
Jeep Wrangler JL Sport
|
$2,005
|
|
Hyundai Tucson SE
|
$2,060
|
|
Ford F-150 XL
|
$2,064
|
|
Ford Escape S
|
$2,083
|
|
Volkswagen Tiguan SE
|
$2,102
|
|
Chevrolet Equinox L
|
$2,108
|
|
Jeep Compass Latitude
|
$2,117
|
|
Toyota Tacoma SR
|
$2,119
|
|
Dodge Grand Caravan SE
|
$2,140
|
|
Chevrolet Trax LS
|
$2,141
|
|
Kia Sportage EX
|
$2,141
|
|
Subaru Outback 2.4I Limited XT
|
$2,143
|
|
Mazda CX-5 Grand Touring
|
$2,144
|
|
Ford Edge SE
|
$2,150
|
|
Toyota RAV4 LE
|
$2,165
|
|
Toyota Highlander LE
|
$2,193
|
|
Ford Ranger Lariat
|
$2,205
|
Required Minimum Kentucky Car Insurance
You are required to carry liability insurance in Kentucky. It pays for injuries and property damage you cause to others. If someone hits your car, you can make a claim against their liability car insurance. You could also file a lawsuit against them for your own injuries and damage.
Car owners in Kentucky must buy liability coverage with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $25,000 for damage to property in one accident
An alternative in Kentucky is to buy a policy with a single limit with coverage of $60,0000.
Basic reparation benefits (BRB). You must carry a minimum of $10,000 per person in BRB benefits unless the vehicle is a motorcycle. BRB covers injuries in a car accident, which can include medical expenses and lost wages. BRB is sometimes called “personal injury protection” (PIP).
What Other Insurance Should I Have in Kentucky?
Added reparation benefits (ARB). In addition to basic reparation benefits, you can purchase ARB in increments of up to $10,000 per person, up to the total of your bodily injury limits, or $40,000, whichever is less. Like BRB, added reparation benefits pay for injuries in a car accident.
Collision and comprehensive coverage. These insurance types are optional, but generally, good coverage to have. Together, they cover a wide range of problems like car accidents, car theft, vandalism, riots, hail, floods, fire, falling objects and collisions with animals (like birds and deer).
If you have a car loan or lease, your lender or leasing company will typically require you to have collision and comprehensive insurance.
Uninsured motorist coverage. If someone without car insurance crashes into you, uninsured motorist coverage (UM) pays for medical expenses. Kentucky doesn’t require this coverage, but car insurance companies must offer you UM. If you don’t want it, you can reject it in writing, but this coverage is worth having.
A similar coverage is underinsured motorist (UIM) coverage. This pays for medical expenses when another driver hits you but they don’t have enough insurance. After the at-fault driver’s insurance runs out, your UIM coverage kicks in. If you want UIM coverage in Kentucky, you’ll have to request it.
Summary: Required Kentucky Car Insurance
| Coverage type | Required minimum in Kentucky |
|---|---|
|
Liability insurance
|
• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $25,000 for property damage
|
|
Uninsured/underinsured motorist coverage
|
Not required
|
|
Basic reparation benefits
|
$10,000
|
|
Added reparation benefits
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone?
Kentucky lets you use your phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to an insurance ID.
Factors Allowed in Kentucky Car Insurance Rates
In addition to your driving record, past claims and vehicle model, car insurance companies in Kentucky can use these factors in rates.
| Factor | Allowed in Kentucky? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Kentucky?
About 14% of Kentucky drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including PIP insurance, collision insurance and/or uninsured motorist coverage.
Penalties for Driving Without Auto Insurance in Kentucky
If you’re caught driving without insurance in Kentucky, you can be fined $500 to $1,000 and sit in jail for up to 90 days.
When Can a Vehicle Be Totaled in Kentucky?
Your car could be severely damaged by a problem like a car accident or a flood. Car insurance companies in Kentucky can declare your car a total loss when the damage exceeds 75% of the car’s retail value from the NADA price guide.
How to Solve Insurance Problems
The Kentucky Department of Insurance is in charge of monitoring insurance companies and taking consumer complaints. If you have a dispute with an insurance company, you can file a complaint online, by mail or by fax.
Methodology
To find the cheapest auto insurance companies in Kentucky, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Kentucky are based on rates from Allstate, Auto-Owners, Cincinnati Insurance, Electric, Geico, Grange Mutual, Kentucky Farm Bureau, Motorists Mutual, Nationwide, Progressive, Safe Auto, Shelter, State Auto, State Farm, Travelers, USAA and Westfield.
