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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% 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.

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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.

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 rankings 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. 

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 nine 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. 

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To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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 $1,730, which is about $315 above the national average. The highest overall average annual representative premium in Kentucky was posted by Nationwide, where premiums average 62% above the state average. Geico is the most affordable, charging about 43% below the state average, according to our study.

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Kentucky Car Insurance Rates by Age

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

$2,845.83

$2,719.25

$2,466.82

$2,493.12

$2,425.55

$2,286.28

Geico

$1,062.47

$1,054.30

$987.11

$934.23

$959.17

$959.17

Nationwide

$3,387.53

$3,203.09

$2,692.73

$2,718.44

$2,497.43

$2,349.69

Progressive

$2,313.31

$2,287.26

$1,760.49

$1,855.63

$1,641.00

$1,631.50

State Farm

$1,671.33

$1,518.05

$1,384.34

$1,384.34

$1,255.44

$1,255.44

Travelers

$1,501.23

$1,428.51

$1,412.40

$1,340.99

$1,172.41

$1,103.73

USAA

$1,420.78

$1,301.32

$1,056.38

$1,054.75

$983.76

$967.31

In Kentucky, the highest average difference for premiums in our study between our male and female profiles occurs in the single 25-year-old demographic. The 25-year-old male profile pays about $95 more than women in this category, at a study rate of around $2,030. In the married 35-year-old group, both the male and female profiles pay an average of roughly $1,680 in our analysis, while in the married 60-year-old category, the male profile pays an average representative rate of nearly $1,560, about $55 more than the female profile.

Allstate charges the most across the demographics according to our study, offering average premiums between 41%-55% above average, depending on the age of the driver profile. 

In our study, Geico has some of the most affordable car insurance rates. On average, single 25-year-old male driver profiles with Geico pay average premiums of 48% below the Kentucky state average, and married 60-year-old women profiles pay 39% below the state average.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Kentucky Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,539.47

$2,539.47

Geico

$946.96

$992.74

Nationwide

$2,808.15

$2,808.15

Progressive

$1,914.87

$1,914.87

State Farm

$1,276.56

$1,411.49

Travelers

$1,326.54

$1,326.54

USAA

$1,034.66

$1,130.71

Our research indicates that for the profile on Kentucky drivers racking up either 6,000 miles a year or 12,000 miles, four companies – Allstate, Nationwide, Progressive, and Travelers – charge the exact same study rate for both profiles. 

Nationwide charges the highest average premium of $2,810, which is 62% above the state average for the 12,000-mile commuter profile. Geico offers the cheapest rates according to our study, charging the 12,000-mile commuter 43% below the state average.

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Kentucky Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,286.72

$2,539.47

$2,847.02

Geico

$909.42

$992.74

$1,123.92

Nationwide

$2,838.72

$2,808.15

$2,906.61

Progressive

$1,769.13

$1,914.87

$2,129.94

State Farm

$1,306.90

$1,411.49

$1,547.62

Travelers

$1,247.26

$1,326.54

$1,414.44

USAA

$1,074.20

$1,130.71

$1,198.25

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 $1,880) cost about 8% more than the average medium-level coverage. The difference between the low-level coverage at $1,630 and the average for medium level coverage is about $100. The average difference in price levels is worth considering when weighing the risk factors between levels of coverage and your potential liability. 

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Kentucky Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,539.47

$2,989.00

$4,299.45

Geico

$992.74

$1,158.48

$2,098.95

Nationwide

$2,808.15

$3,367.45

$4,155.93

Progressive

$1,914.87

$2,349.44

$3,177.75

State Farm

$1,411.49

$1,790.53

$2,926.05

Travelers

$1,326.54

$1,735.23

$2,460.00

USAA

$1,130.71

$1,483.10

$2,334.66

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. 

A good credit rating in Kentucky, on average, saves our profiles roughly 43% 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 $1,330 a year. The average annual representative premium for our profile with poor credit tops out at $3,065 compared to $1,730 for driver profiles with good credit.

Allstate and Nationwide charge the most to driver profiles with poor credit, both with average premiums above $4,000, our study shows. Allstate and Nationwide have the highest premiums across all credit categories.

For driver profiles with poor credit, Geico has the most affordable average rates, coming in 32% below the state average.

Based on profiles of male and female drivers aged 25,35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Kentucky Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,539.47

$2,997.63

$3,606.19

$3,360.99

Geico

$992.74

$1,027.01

$1,596.39

$2,664.95

Nationwide

$2,808.15

$3,228.11

$4,189.24

$5,673.66

Progressive

$1,914.87

$2,536.23

$3,294.52

$2,213.18

State Farm

$1,411.49

$1,525.22

$1,639.02

$1,525.22

Travelers

$1,326.54

$1,751.30

$1,813.68

$2,003.55

USAA

$1,130.71

$1,400.24

$1,668.70

$1,860.06

Our study shows that in Kentucky, the average annual study premium for the representative profile with a clean driving record is around $1,730 a year. But for the profile with a speeding ticket, the average cost in our study increases to around $2,065. Add on an accident and the average study cost jumps to just under $2,545. But the biggest hit to the wallet is a DUI, which on average raised our study rates to $2,760. 

Nationwide has the highest study rates for driver profiles with one accident or one DUI on record, costing 65% and 106% above the state average, respectively. State Farm is the most affordable for driver profiles with one DUI, charging average premiums 45% below the state average.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Kentucky Insurance Rates by City

City

Average Rate

Bowling Green

$1,264.72

Covington

$1,299.12

Elizabethtown

$1,364.27

Florence

$1,250.92

Georgetown

$1,343.36

Louisville

$1,793.86

Nicholasville

$1,366.79

Owensboro

$1,223.24

Richmond

$1,311.07

Bowling Green

$1,264.72

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 $1,795, which is 4% above the Kentucky state average. Most of the other Kentucky cities in our study average from this low to the high end of the $1,300 range. The study indicates that Owensboro is the least expensive at $1,225, and Florence, with an average at $1,250, ranks as the second-least expensive behind Owensboro.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study:  the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

Young Adult Drivers

GEICO

Married Adult Drivers

GEICO

Senior Drivers

GEICO

Drivers with Good Credit

GEICO

Drivers with Poor Credit

GEICO

Drivers with a Clean Record

GEICO

Drivers with One Speeding Violation

GEICO

Drivers with One Accident

GEICO

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

Young Adult Drivers

GEICO

We found Geico offers the cheapest car insurance in Kentucky for most driver profiles except those with one DUI, where State Farm offers the lowest premiums.

All insurers beyond the seven national carriers we surveyed, who combined hold 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. 

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

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.

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. 

Pattanaphong Khuankaew / EyeEm / Getty Images

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. 

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.