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When you say Kentucky, people around the country may generally think of the iconic Kentucky Derby, the first jewel in thoroughbred horse racing’s Triple Crown; or maybe enjoying a smoky glass of bourbon, where 95 percent of the world’s bourbon is produced; or even men’s college basketball, where perennial powerhouses reside at the University of Kentucky and the University of Louisville 

Kentucky, known as the “Bluegrass State,” stretches from Virginia in the east to the Mississippi River in the west, occupying a large swath of the southern central United States. The state has a population of more than 4.4 million people, of which 3 million are drivers each averaging around 11,000 miles behind the wheel each year and each are required to have car insurance.

Kentucky ranks 26th nationally in state population and is one of four states in the nation historically known as a “Commonwealth,” along with Virginia, Pennsylvania, and Massachusetts.

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People from other regions of the country may not realize Kentucky has a significant footprint in the auto industry with more than 500 auto-related manufacturing, service, and technology businesses employing nearly 95,000 people, according to the latest information from the Kentucky Automotive Industry Association.

Major auto manufacturers in Kentucky are producing high volume vehicles, from the Toyota Camry and the Ford F-Series Super Duty, to solid niche vehicles like the Chevy Corvette, the Lexus ES350 and the Lincoln Navigator.

With Kentucky ranking third in the nation in light vehicle production, it stands to reason that popular auto industry marketing programs like “Friends & Family,” or “0% Financing” or “Certified Pre-Owned” would spur new and used auto sales among car company employees and have a positive impact on Kentuckians from Frankfort to Paducah, and therefore, on the car insurance industry as well.

This study draws its information based on an analysis of profiles of male and female drivers at age 25, 35, and 60, with medium-level car insurance, good credit, a clean driving record, and driving a 2015 model year Honda Civic, Toyota RAV4 or Ford F-150. Every subsection of this study also uses the same criteria in creating baseline driver profiles and evaluating national insurance companies doing business in Kentucky.

Cheapest Car Insurance Companies in Kentucky

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Kentucky

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

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Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Kentucky

See the Cheapest Car Insurance Companies

We found that Kentucky’s overall average annual premium in our study is roughly $1,650, which is about $320 above the national average. The highest overall average annual representative premium in Kentucky was posted by Nationwide, at just over $2,400, and Allstate, at just under $2,400. Geico and USAA came in at the low end, both around $1,075.

Kentucky Car Insurance Rates by Age

Age is a risk factor that insurance companies consider when determining individual rates. One of the metrics in this study examines how insurance costs are affected by age by using driver profiles with medium-level insurance coverage, a clean driving record, 12,000 miles driven annually, and good credit. The profiles include male and female drivers at ages 25, 35, and 60. The vehicles used in the study are from the 2015 model year: the Honda Civic, Toyota RAV 4, and Ford F-150. 

In Kentucky, the highest average amount differential for premiums in our study between our male and female profiles occurs in the 25-year-old demographic. The 25-year-old male profile pays about $120 more, at a study rate of around $1,930. In the 35-year-old group, both the male and female profiles pay an average of roughly $1,585 in our analysis, while in the 60-year-old category, the male profile pays an average representative rate of nearly $1,500, about $40 more than the female profile.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,683.43

$2,560.88

$2,320.06

$2,342.95

$2,276.28

$2,145.95

Geico

$1,135.12

$1,126.93

$1,110.94

$1,051.64

$1,025.31

$1,025.31

Nationwide

$2,906.51

$2,749.96

$2,327.28

$2,347.05

$2,163.30

$2,038.43

Progressive

$1,780.22

$1,745.89

$1,272.60

$1,348.69

$1,169.30

$1,158.41

State Farm

$1,664.72

$1,508.09

$1,374.37

$1,374.37

$1,247.60

$1,247.60

Travelers

$1,998.32

$1,745.68

$1,677.20

$1,649.08

$1,664.60

$1,659.95

USAA

$1,341.37

$1,229.15

$994.68

$993.32

$920.50

$906.07

Kentucky Car Insurance Rates by Annual Mileage

In our study’s look at annual mileage and its impact on the insurance rates of driver profiles of men and women ages 25, 35, and 60, with medium coverage, good credit, and a clean driving record operating either a 2015 model year Honda Civic, Toyota RAV4, or a Ford F-150, we found that some companies charge the same representative rates, regardless of annual mileage.

Our research indicates that for the profile on Kentucky drivers racking up either 6,000 miles a year or 12,00 miles, three companies – Allstate, Nationwide, and Travelers – charge the exact same study rate for both profiles. In fact, Nationwide, at the high end of the scale at $2,422, is nearly $1,400 more expensive than Geico, which has a representative rate of $1,027 for our driver profiles in the 6,000 annual miles category.

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,388.26

$2,388.26

Geico

$1,027.79

$1,079.21

Nationwide

$2,422.09

$2,422.09

Progressive

$1,412.52

$1,412.52

State Farm

$1,269.98

$1,402.79

Travelers

$1,732.47

$1,732.47

USAA

$977.43

$1,064.18

Kentucky Car Insurance Rates by Coverage Type

When trying to decide on the level of car insurance, our study’s results of the driver profiles in Kentucky showed, on average, insurance representative premiums at the high-level coverage (at around $1,770) cost about $125 more than the average medium-level coverage. The difference between the low-level coverage at $1,550 and the average for medium level coverage is about $90. The average difference in price levels is worth considering when weighing the risk factors between levels of coverage and your potential liability. 

The driver profiles in our study consisted of male and female drivers at the ages of 25, 35, and 60. Each profile had a clean driving record, a good credit score, and 12,000 miles a year. The vehicles in the profile are the Honda Civic, Toyota RAV4, and the Ford F-150 pickup, all from the 2015 model year.

Company

Low

Medium

High

Allstate

$2,162.12

$2,388.26

$2,663.67

Geico

$989.14

$1,079.21

$1,216.44

Nationwide

$2,441.45

$2,422.09

$2,511.08

Progressive

$1,312.78

$1,412.52

$1,577.49

State Farm

$1,302.16

$1,402.79

$1,535.54

Travelers

$1,639.98

$1,732.47

$1,749.86

USAA

$1,011.42

$1,064.18

$1,126.99

Kentucky Car Insurance Rates by Credit History

Our study also looked at credit scores and how they influence rates charged for auto insurance in Kentucky. As with auto loans, mortgages and credit cards, maintaining a good credit score can have a positive outcome on your car insurance rates. 

This study examined driver profiles in three credit categories: good, fair, and poor credit. The driver profiles consisted of male and female drivers at the ages of 25, 35, and 60. Each profile used medium-level insurance coverage with a clean driving record and 12,000 miles a year. The vehicles in the profile are the Honda Civic, Toyota RAV4, and the Ford F-150 pickup, all from the 2015 model year.

A good credit rating in Kentucky, on average, saves our profiles roughly $325 a year on the price of car insurance versus a fair credit rating. However, the difference in study rates between good and poor credit is about $1,420 a year. The average annual representative premium for our profile with poor credit tops out at $3,065 versus $1,645 for good credit.

Company

Good

Fair

Poor

Allstate

$2,388.26

$2,846.55

$4,203.38

Geico

$1,079.21

$1,397.64

$2,748.16

Nationwide

$2,422.09

$2,783.04

$3,564.46

Progressive

$1,412.52

$1,790.09

$2,564.92

State Farm

$1,402.79

$1,780.19

$2,906.98

Travelers

$1,732.47

$1,880.73

$3,027.37

USAA

$1,064.18

$1,301.88

$2,434.01

Kentucky Car Insurance Rates by Driving Record

A clean driving record in Kentucky, or anywhere in the United States, helps you when insurance companies are trying to decide on your car insurance rates. Our study looks at the average rates of a profile with a clean driving record in Kentucky and how that compares to profiles with certain dings and dents. The study examined male and female driver profiles aged 25, 35, and 60 with good credit, medium-level insurance coverage, and mileage at 12,000 a year. The vehicles used in the study are the 2015 model year versions of the Honda Civic, Toyota RAV4, and the Ford F-150.

Our study shows that in Kentucky, the average annual study premium for the representative profile with a clean driving record is around $1,650 a year. But for the profile with a speeding ticket, the average cost in our study increases to around $1,920. Add on an accident and the average study cost jumps to just under $2,400. But the biggest hit to the wallet is a DUI, which on average raised our study rates to $2,760. Sure, the bourbon is good but that last glass turns out to be an expensive choice when it results in a DUI. 

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,388.26

$2,637.63

$3,381.30

$3,151.07

Geico

$1,079.21

$1,155.15

$1,834.28

$3,092.77

Nationwide

$2,422.09

$2,773.38

$3,576.91

$4,818.34

Progressive

$1,412.52

$2,039.59

$2,868.39

$1,817.90

State Farm

$1,402.79

$1,517.41

$1,632.00

$1,517.41

Travelers

$1,732.47

$2,028.98

$1,951.60

$3,162.41

USAA

$1,064.18

$1,270.29

$1,508.08

$1,749.72

Kentucky Insurance Rates by City

Car insurance companies use population density as one factor when determining rates for drivers. Using our blend of driver profiles, we discovered that rates in our analysis show that insurance in Kentucky is most expensive in Louisville, the largest city in the state, with a population of just under 600,000 people The average annual study premium in Louisville is around $1,650. Most of the other Kentucky cities in our study average from the low to high end of the $1,200 range. The study indicates that Florence is the least expensive at just under $1,200, and Elizabethtown, with an average at $1,300, ranks as the second-most expensive behind Louisville, but with a $350 average discount. 

Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

City

Average Rate

Louisville

$1,651.21

Lexington-Fayette

$1,243.91

Bowling Green

$1,207.23

Owensboro

$1,153.82

Covington

$1,202.46

Georgetown

$1,257.36

Richmond

$1,255.21

Florence

$1,180.33

Nicholasville

$1,277.90

Elizabethtown

$1,300.99

Kentucky Auto Insurance Minimum Coverage Requirements

All owners of motor vehicles in Kentucky are required to carry minimum liability coverage. They must have liability coverage of:

  • $25,000 for all claims for bodily injury damages sustained by any one person.

  • $50,000 for all bodily injury damages sustained by all persons as a result of one accident.

  • $25,000 for all property damage as the result of one accident.

Kentucky drivers must also carry $10,000 personal injury protection coverage to cover their own injuries in an accident.

Cheapest Car Insurance in Kentucky

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Progressive

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Kentucky, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual driving. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

For most of our driver profiles, USAA is the cheapest option, but due to their limited membership (only members of the military, veterans, and their families), Geico is likely the cheapest option in our study for many Kentucky drivers. Geico's representative rates were affordable for profiles ranging from young adults, to those with good credit, and to those with a speeding ticket. For a few profiles, Geico wasn't the most affordable choice, however. Progressive was the cheapest insurer in our study for the driver profile with poor credit, while State Farm had the lowest representative rates for the profiles with an accident or a DUI.All insurers beyond the seven national carriers we surveyed, who, combined have the largest share of the market in Kentucky, are looking at the same types of profiles, but they may be adding in factors such as  weather, traffic congestion, economic conditions, homeowner, etc. to determine your annual rates. Beware of aggressive sales tactics from online insurers with “too-good-to-be-true” monthly rates.  

Why Car Insurance Rates Vary in Kentucky

The highest risk drivers pay the highest car insurance rates, regardless of state. Our study shows that inexperienced drivers, those in high risk areas, or those who have a history of poor driving or financial irresponsibility will pay the highest premiums. Older drivers with good credit history and good driving records pay lower rates because they are less likely to be involved in an accident.

The make and model of your vehicle is also a key factor in determining rates. If you have a new sporty, two-seater and live in the middle of a city, you will pay higher rates than the driver who lives in a rural or suburban area and drives a five-year-old four-door sedan back and forth to work everyday.

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How to Get the Cheapest Car Insurance in Kentucky

Most major insurers offer discounts on car insurance for those customers who bundle policies. Having more than one car on your policy or combining your car insurance with your homeowners' or renters’ insurance can lower your rates. You can also often get lower rates for younger drivers on your policy if they qualify for a good student discount. 

When looking for the best coverage at the best price, it is important that you shop around and compare prices of multiple companies. You also must maintain a good driving record, a good credit score, and never pay premiums late. You may qualify for discounts if you have a short commute, if you participate in a car pool, thereby cutting down the daily use of your vehicle, or if you are 55-years old or older.

The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or citation or a DUI, rates usually go up significantly. 

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Important Laws Around Auto Insurance in Kentucky

Kentucky's legislature has mandated cracking down on motorists who own personal vehicles that are not insured. The initiative is aimed at shoring up a gap in enforcement that enables drivers to get around the law by dropping their coverage after their vehicles have been registered with the state. When the state discovers drivers who drop their insurance after the vehicles have been legally registered, those drivers will receive notices that their vehicle registrations will be canceled if they do not obtain or show proof of the existing insurance. 

Kentucky is a no-fault state. Failure to carry a minimum amount of car insurance in Kentucky can result in the vehicle registration being revoked, plus the owner and the driver are subject to a fine of $500.00 to $1,000, up to 90 days in jail, or both. 

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Kentucky Driving Laws and Punishments

Kentucky has strict laws and penalties for driving under the influence. In Kentucky, you can be convicted of a DUI if you have a blood alcohol content of 0.08% or higher; or if you have any amount of a controlled substance in your system. You can also be convicted if a law enforcement officer finds that your driving is impaired by your use of alcohol or a controlled substance. Punishments for a DUI in Kentucky range from up to 30 days in jail, up to a $500 fine, or both for a first offense on up to as much as a year in jail, a fine of $1,000, or both for a third offense in a 10-year time span. Drivers will also lose their license for as long as three years, be required to use an ignition interlock device, and attend a substance abuse treatment program.

Kentucky Car Insurance FAQs

Is car insurance required in Kentucky?

Yes, if your vehicle has a current, active registration, Kentucky drivers must maintain the minimum car insurance for that vehicle.

Which cars are required to be insured in Kentucky?

All vehicles registered in the commonwealth of Kentucky must be insured.

When should I get car insurance in Kentucky?

As soon as you register your vehicle, you must get insurance coverage.

What happens if my car is not properly insured in Kentucky?

Failure to carry a minimum amount of car insurance in Kentucky can result in the vehicle registration being revoked, plus the owner and the driver are subject to a fine of $500 to $1,000, up to 90 days in jail, or both. 

Is Kentucky a no-fault state?

Yes, Kentucky became a no-fault state on July 1, 1975. The no-fault law is intended for victims of auto accidents to make sure they receive insurance benefits as quickly as possible.

Do I need uninsured motorist coverage in Kentucky?

Yes, in Kentucky uninsured motorist coverage is a mandatory coverage, meaning that it is offered standard on every policy in the state. 

Is liability insurance required in Kentucky?

Yes, all vehicle owners must carry liability insurance covering bodily injury and property damage.

Does Kentucky accept digital insurance cards?

Yes, digital insurance cards can be used as proof of insurance in Kentucky.