Cheap Car Insurance in Kentucky for 2023

Shelter offers the cheapest car insurance in Kentucky, with an average monthly rate of $118 for full coverage.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Kentucky isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Kentucky is Shelter at $1,412 per year on average, or $118 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Kentucky. Meanwhile, the average cost of full coverage car insurance in Kentucky is $3,357 per year, or about $280 per month.

Minimum coverage in Kentucky is $1,073 per year on average, but we found you can likely get a cheaper policy. For example, Kentucky Farm Bureau offers the cheapest rates in Kentucky at $421 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Live in Louisville? Check out NerdWallet's guide to cheap car insurance in Louisville.

How we chose the cheapest companies in Kentucky

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Kentucky and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Kentucky. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Kentucky where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Kentucky for 20-year-olds

Drivers in Kentucky with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. Auto-Owners: $3,396 per year, or about $283 per month.

  3. Travelers: $3,437 per year, or about $286 per month.

  4. Westfield: $3,477 per year, or about $290 per month.

  5. State Farm: $4,024 per year, or about $335 per month.

Cheapest minimum coverage car insurance in Kentucky for 20-year-olds

Drivers in Kentucky who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Shelter: $552 per year, or about $46 per month.

  2. Travelers: $867 per year, or about $72 per month.

  3. Westfield: $1,018 per year, or about $85 per month.

  4. Kentucky Farm Bureau: $1,185 per year, or about $99 per month.

  5. Auto-Owners: $1,250 per year, or about $104 per month.

Cheapest auto insurance in Kentucky for 20-year-olds with poor credit

Drivers with poor credit in Kentucky should look at the following insurers with the lowest average rates for minimum coverage:

  1. Shelter: $1,333 per year, or about $111 per month.

  2. Travelers: $1,413 per year, or about $118 per month.

  3. Cincinnati Insurance: $2,036 per year, or about $170 per month.

  4. Westfield: $2,061 per year, or about $172 per month.

  5. State Auto: $2,663 per year, or about $222 per month.

Cheapest auto insurance in Kentucky for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Shelter: $552 per year, or about $46 per month.

  2. Travelers: $1,072 per year, or about $89 per month.

  3. Kentucky Farm Bureau: $1,185 per year, or about $99 per month.

  4. Westfield: $1,222 per year, or about $102 per month.

  5. Encova: $1,348 per year, or about $112 per month.

Cheapest auto insurance in Kentucky for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Shelter: $745 per year, or about $62 per month.

  2. Travelers: $1,130 per year, or about $94 per month.

  3. Westfield: $1,343 per year, or about $112 per month.

  4. Encova: $1,431 per year, or about $119 per month.

  5. Kentucky Farm Bureau: $1,437 per year, or about $120 per month.

Cheapest auto insurance in Kentucky for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Shelter: $878 per year, or about $73 per month.

  2. Travelers: $1,297 per year, or about $108 per month.

  3. State Farm: $2,094 per year, or about $174 per month.

  4. Westfield: $2,098 per year, or about $175 per month.

  5. Encova: $2,349 per year, or about $196 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Kentucky for 30-year-olds

Drivers in Kentucky who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. Auto-Owners: $1,759 per year, or about $147 per month.

  3. State Farm: $1,931 per year, or about $161 per month.

  4. Travelers: $2,077 per year, or about $173 per month.

  5. Kentucky Farm Bureau: $2,147 per year, or about $179 per month.

Cheapest minimum coverage car insurance in Kentucky for 30-year-olds

Drivers in Kentucky who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Kentucky Farm Bureau: $421 per year, or about $35 per month.

  2. Auto-Owners: $507 per year, or about $42 per month.

  3. Travelers: $513 per year, or about $43 per month.

  4. Cincinnati Insurance: $527 per year, or about $44 per month.

  5. State Farm: $548 per year, or about $46 per month.

Cheapest auto insurance in Kentucky for 30-year-olds with poor credit

Drivers with poor credit in Kentucky should consider the following companies with the lowest average rates for full coverage:

  1. State Auto: $3,534 per year, or about $294 per month.

  2. Cincinnati Insurance: $3,685 per year, or about $307 per month.

  3. State Farm: $3,820 per year, or about $318 per month.

  4. Shelter: $3,847 per year, or about $321 per month.

  5. Travelers: $4,058 per year, or about $338 per month.

Cheapest auto insurance in Kentucky for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Kentucky Farm Bureau: $421 per year, or about $35 per month.

  2. Shelter: $552 per year, or about $46 per month.

  3. State Farm: $615 per year, or about $51 per month.

  4. Travelers: $620 per year, or about $52 per month.

  5. Cincinnati Insurance: $629 per year, or about $52 per month.

Cheapest auto insurance in Kentucky for 30-year-old drivers with one at-fault crash

For drivers in Kentucky with a recent accident, here are the lowest average rate options for full coverage:

  1. Shelter: $1,762 per year, or about $147 per month.

  2. State Farm: $2,291 per year, or about $191 per month.

  3. Auto-Owners: $2,340 per year, or about $195 per month.

  4. Travelers: $2,819 per year, or about $235 per month.

  5. Kentucky Farm Bureau: $2,858 per year, or about $238 per month.

Cheapest auto insurance in Kentucky for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Shelter: $2,002 per year, or about $167 per month.

  2. State Farm: $2,626 per year, or about $219 per month.

  3. Travelers: $3,114 per year, or about $260 per month.

  4. Progressive: $3,411 per year, or about $284 per month.

  5. Auto-Owners: $3,793 per year, or about $316 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Kentucky for 40-year-olds

Drivers in Kentucky with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. Auto-Owners: $1,728 per year, or about $144 per month.

  3. State Farm: $1,877 per year, or about $156 per month.

  4. Travelers: $1,878 per year, or about $156 per month.

  5. Kentucky Farm Bureau: $2,090 per year, or about $174 per month.

Cheapest minimum coverage car insurance in Kentucky for 40-year-olds

Drivers in Kentucky who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Kentucky Farm Bureau: $407 per year, or about $34 per month.

  2. Travelers: $469 per year, or about $39 per month.

  3. Cincinnati Insurance: $474 per year, or about $40 per month.

  4. Auto-Owners: $494 per year, or about $41 per month.

  5. State Farm: $548 per year, or about $46 per month.

Cheapest auto insurance in Kentucky for 40-year-olds with poor credit

Drivers with poor credit in Kentucky can check out the following insurers with the lowest average rates for full coverage:

  1. Cincinnati Insurance: $3,393 per year, or about $283 per month.

  2. State Auto: $3,534 per year, or about $294 per month.

  3. State Farm: $3,704 per year, or about $309 per month.

  4. Travelers: $3,775 per year, or about $315 per month.

  5. Westfield: $3,844 per year, or about $320 per month.

Cheapest auto insurance in Kentucky for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Kentucky Farm Bureau: $407 per year, or about $34 per month.

  2. Shelter: $552 per year, or about $46 per month.

  3. Cincinnati Insurance: $563 per year, or about $47 per month.

  4. Travelers: $607 per year, or about $51 per month.

  5. State Farm: $615 per year, or about $51 per month.

Cheapest auto insurance in Kentucky for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kentucky, here are the companies with the lowest average rates for full coverage:

  1. Shelter: $1,762 per year, or about $147 per month.

  2. State Farm: $2,227 per year, or about $186 per month.

  3. Auto-Owners: $2,299 per year, or about $192 per month.

  4. Travelers: $2,710 per year, or about $226 per month.

  5. Kentucky Farm Bureau: $2,778 per year, or about $232 per month.

Cheapest auto insurance in Kentucky for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Shelter: $2,002 per year, or about $167 per month.

  2. State Farm: $2,553 per year, or about $213 per month.

  3. Travelers: $3,002 per year, or about $250 per month.

  4. Progressive: $3,131 per year, or about $261 per month.

  5. Auto-Owners: $3,728 per year, or about $311 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Kentucky for 50-year-olds

Drivers in Kentucky with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. Auto-Owners: $1,648 per year, or about $137 per month.

  3. Kentucky Farm Bureau: $1,748 per year, or about $146 per month.

  4. Travelers: $1,814 per year, or about $151 per month.

  5. State Farm: $1,822 per year, or about $152 per month.

Cheapest minimum coverage car insurance in Kentucky for 50-year-olds

Drivers in Kentucky who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Kentucky Farm Bureau: $348 per year, or about $29 per month.

  2. Cincinnati Insurance: $413 per year, or about $34 per month.

  3. Auto-Owners: $455 per year, or about $38 per month.

  4. Encova: $462 per year, or about $38 per month.

  5. Travelers: $469 per year, or about $39 per month.

Cheapest auto insurance in Kentucky for 50-year-olds with poor credit

Drivers with poor credit in Kentucky can check with the following companies, which showed the lowest average rates for full coverage:

  1. Cincinnati Insurance: $2,969 per year, or about $247 per month.

  2. State Auto: $3,045 per year, or about $254 per month.

  3. State Farm: $3,584 per year, or about $299 per month.

  4. Travelers: $3,605 per year, or about $300 per month.

  5. Westfield: $3,698 per year, or about $308 per month.

Cheapest auto insurance in Kentucky for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Kentucky Farm Bureau: $348 per year, or about $29 per month.

  2. Cincinnati Insurance: $491 per year, or about $41 per month.

  3. Encova: $524 per year, or about $44 per month.

  4. Shelter: $552 per year, or about $46 per month.

  5. State Auto: $562 per year, or about $47 per month.

Cheapest auto insurance in Kentucky for 50-year-old drivers with one at-fault crash

For drivers living in Kentucky with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Shelter: $1,762 per year, or about $147 per month.

  2. State Farm: $2,163 per year, or about $180 per month.

  3. Auto-Owners: $2,187 per year, or about $182 per month.

  4. Kentucky Farm Bureau: $2,307 per year, or about $192 per month.

  5. Travelers: $2,615 per year, or about $218 per month.

Cheapest auto insurance in Kentucky for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Shelter: $2,002 per year, or about $167 per month.

  2. State Farm: $2,482 per year, or about $207 per month.

  3. Travelers: $2,894 per year, or about $241 per month.

  4. Progressive: $2,899 per year, or about $242 per month.

  5. Auto-Owners: $3,537 per year, or about $295 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Kentucky for 60-year-olds

Drivers in Kentucky with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. Auto-Owners: $1,611 per year, or about $134 per month.

  3. Travelers: $1,653 per year, or about $138 per month.

  4. Cincinnati Insurance: $1,703 per year, or about $142 per month.

  5. State Farm: $1,708 per year, or about $142 per month.

Cheapest minimum coverage car insurance in Kentucky for 60-year-olds

Drivers in Kentucky who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Kentucky Farm Bureau: $348 per year, or about $29 per month.

  2. Cincinnati Insurance: $387 per year, or about $32 per month.

  3. Auto-Owners: $443 per year, or about $37 per month.

  4. Travelers: $448 per year, or about $37 per month.

  5. Encova: $477 per year, or about $40 per month.

Cheapest auto insurance in Kentucky for 60-year-olds with poor credit

Drivers with poor credit in Kentucky can look at the following companies with the lowest average rates for full coverage:

  1. Cincinnati Insurance: $2,745 per year, or about $229 per month.

  2. State Auto: $2,751 per year, or about $229 per month.

  3. Travelers: $3,252 per year, or about $271 per month.

  4. State Farm: $3,332 per year, or about $278 per month.

  5. Westfield: $3,645 per year, or about $304 per month.

Cheapest auto insurance in Kentucky for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Kentucky Farm Bureau: $348 per year, or about $29 per month.

  2. Cincinnati Insurance: $457 per year, or about $38 per month.

  3. State Auto: $502 per year, or about $42 per month.

  4. Encova: $539 per year, or about $45 per month.

  5. Shelter: $552 per year, or about $46 per month.

Cheapest auto insurance in Kentucky for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kentucky, here are the companies with the lowest average rates for full coverage:

  1. Shelter: $1,762 per year, or about $147 per month.

  2. State Farm: $2,026 per year, or about $169 per month.

  3. Auto-Owners: $2,143 per year, or about $179 per month.

  4. Kentucky Farm Bureau: $2,307 per year, or about $192 per month.

  5. State Auto: $2,406 per year, or about $200 per month.

Cheapest auto insurance in Kentucky for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Shelter: $2,002 per year, or about $167 per month.

  2. State Farm: $2,322 per year, or about $194 per month.

  3. Travelers: $2,763 per year, or about $230 per month.

  4. Progressive: $2,793 per year, or about $233 per month.

  5. Auto-Owners: $3,478 per year, or about $290 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Kentucky for 70-year-olds

Drivers in Kentucky with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Shelter: $1,412 per year, or about $118 per month.

  2. State Farm: $1,768 per year, or about $147 per month.

  3. Travelers: $1,806 per year, or about $150 per month.

  4. Auto-Owners: $1,835 per year, or about $153 per month.

  5. Kentucky Farm Bureau: $1,885 per year, or about $157 per month.

Cheapest minimum coverage car insurance in Kentucky for 70-year-olds

Drivers in Kentucky who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Kentucky Farm Bureau: $461 per year, or about $38 per month.

  2. Encova: $498 per year, or about $42 per month.

  3. Travelers: $526 per year, or about $44 per month.

  4. State Farm: $528 per year, or about $44 per month.

  5. Shelter: $552 per year, or about $46 per month.

Cheapest auto insurance in Kentucky for 70-year-olds with poor credit

Drivers with poor credit in Kentucky can look at the following companies with the lowest average rates for full coverage:

  1. State Auto: $3,038 per year, or about $253 per month.

  2. Cincinnati Insurance: $3,312 per year, or about $276 per month.

  3. State Farm: $3,457 per year, or about $288 per month.

  4. Travelers: $3,636 per year, or about $303 per month.

  5. Westfield: $3,826 per year, or about $319 per month.

Cheapest auto insurance in Kentucky for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kentucky, here are the companies with the lowest average rates for minimum coverage:

  1. Kentucky Farm Bureau: $461 per year, or about $38 per month.

  2. Shelter: $552 per year, or about $46 per month.

  3. Encova: $559 per year, or about $47 per month.

  4. State Auto: $561 per year, or about $47 per month.

  5. State Farm: $593 per year, or about $49 per month.

Cheapest auto insurance in Kentucky for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kentucky, here are the companies with the lowest average rates for full coverage:

  1. Shelter: $1,762 per year, or about $147 per month.

  2. State Farm: $2,108 per year, or about $176 per month.

  3. Auto-Owners: $2,483 per year, or about $207 per month.

  4. Kentucky Farm Bureau: $2,495 per year, or about $208 per month.

  5. State Auto: $2,580 per year, or about $215 per month.

Cheapest auto insurance in Kentucky for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Shelter: $2,002 per year, or about $167 per month.

  2. State Farm: $2,425 per year, or about $202 per month.

  3. Travelers: $3,108 per year, or about $259 per month.

  4. Progressive: $3,314 per year, or about $276 per month.

  5. Auto-Owners: $4,105 per year, or about $342 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 70 of the 70 driver profiles we examined.

Minimum required auto insurance in Kentucky

Kentucky car insurance policies must include liability coverage and personal injury protection in at least the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $25,000 property damage liability per incident.

Alternatively, policies with a combined single limit of $60,000 also satisfy the minimum requirement, according to the state’s website. Keep in mind that these are only the bare essentials. A serious at-fault crash could easily leave damages that surpass these limits, which is why most drivers can benefit from purchasing more than the minimum liability coverage.

Check out NerdWallet’s rundown of car insurance requirements by state for more details on how your Kentucky auto insurance policy works and optional coverages you might want, such as collision and comprehensive insurance.

Alternative car insurance in Kentucky

Drivers who’ve been denied car insurance on the voluntary market, due to a checkered driving record or other factors, can seek coverage through the Kentucky Automobile Insurance Plan.

Try NerdWallet’s car insurance comparison tool to view estimates from leading companies side-by-side and possibly save hundreds of dollars on your premium.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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