The Cheapest Car Insurance in Kentucky for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Kentucky for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Kentucky isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Kentucky is $2,488 per year, or about $207 per month, according to NerdWallet’s analysis. Minimum coverage in Kentucky is $911 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 $402 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Kentucky

Grange

$143/month

Not yet rated.

Cheapest for minimum coverage

Kentucky Farm Bureau

$33/month

Not yet rated.

Cheapest for young drivers

$240/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

Grange

$143/month

Not yet rated.

How we chose the cheapest companies in Kentucky

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Kentucky and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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. Geico: $2,885 per year, or about $240 per month.

  2. Grange: $3,066 per year, or about $256 per month.

  3. State Farm: $3,295 per year, or about $275 per month.

  4. Nationwide: $4,108 per year, or about $342 per month.

  5. Shelter: $4,235 per year, or about $353 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. Geico: $924 per year, or about $77 per month.

  2. State Farm: $1,081 per year, or about $90 per month.

  3. Kentucky Farm Bureau: $1,104 per year, or about $92 per month.

  4. Electric Insurance: $1,121 per year, or about $93 per month.

  5. Grange: $1,430 per year, or about $119 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. Geico: $1,177 per year, or about $98 per month.

  2. Grange: $1,849 per year, or about $154 per month.

  3. State Farm: $2,348 per year, or about $196 per month.

  4. Progressive: $3,159 per year, or about $263 per month.

  5. Encompass: $3,244 per year, or about $270 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. Geico: $1,165 per year, or about $97 per month.

  2. Electric Insurance: $1,180 per year, or about $98 per month.

  3. Kentucky Farm Bureau: $1,339 per year, or about $112 per month.

  4. State Farm: $1,385 per year, or about $115 per month.

  5. Grange: $1,803 per year, or about $150 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. Geico: $1,349 per year, or about $112 per month.

  2. State Farm: $1,675 per year, or about $140 per month.

  3. Progressive: $2,088 per year, or about $174 per month.

  4. Grange: $2,248 per year, or about $187 per month.

  5. Electric Insurance: $2,421 per year, or about $202 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Grange: $1,723 per year, or about $144 per month.

  2. Geico: $1,746 per year, or about $146 per month.

  3. State Farm: $1,782 per year, or about $148 per month.

  4. Kentucky Farm Bureau: $1,790 per year, or about $149 per month.

  5. Nationwide: $2,056 per year, or about $171 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: $402 per year, or about $34 per month.

  2. Geico: $497 per year, or about $41 per month.

  3. State Farm: $503 per year, or about $42 per month.

  4. Electric Insurance: $589 per year, or about $49 per month.

  5. Encova: $722 per year, or about $60 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. Grange: $2,103 per year, or about $175 per month.

  2. Geico: $2,258 per year, or about $188 per month.

  3. Nationwide: $3,084 per year, or about $257 per month.

  4. State Farm: $3,473 per year, or about $289 per month.

  5. State Auto: $3,627 per year, or about $302 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. State Farm: $2,113 per year, or about $176 per month.

  2. Grange: $2,232 per year, or about $186 per month.

  3. Geico: $2,350 per year, or about $196 per month.

  4. Kentucky Farm Bureau: $2,389 per year, or about $199 per month.

  5. Electric Insurance: $2,705 per year, or about $225 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. State Farm: $2,416 per year, or about $201 per month.

  2. Grange: $2,593 per year, or about $216 per month.

  3. Geico: $2,817 per year, or about $235 per month.

  4. Progressive: $2,893 per year, or about $241 per month.

  5. Nationwide: $3,601 per year, or about $300 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. Grange: $1,717 per year, or about $143 per month.

  2. Geico: $1,718 per year, or about $143 per month.

  3. Kentucky Farm Bureau: $1,742 per year, or about $145 per month.

  4. State Farm: $1,745 per year, or about $145 per month.

  5. State Auto: $1,972 per year, or about $164 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: $389 per year, or about $32 per month.

  2. Geico: $494 per year, or about $41 per month.

  3. Electric Insurance: $497 per year, or about $41 per month.

  4. State Farm: $505 per year, or about $42 per month.

  5. Encova: $722 per year, or about $60 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. Grange: $2,095 per year, or about $175 per month.

  2. Geico: $2,184 per year, or about $182 per month.

  3. Nationwide: $3,022 per year, or about $252 per month.

  4. State Farm: $3,392 per year, or about $283 per month.

  5. State Auto: $3,426 per year, or about $286 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. State Farm: $2,070 per year, or about $172 per month.

  2. Grange: $2,298 per year, or about $192 per month.

  3. Geico: $2,311 per year, or about $193 per month.

  4. Kentucky Farm Bureau: $2,322 per year, or about $194 per month.

  5. Electric Insurance: $2,359 per year, or about $197 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. State Farm: $2,368 per year, or about $197 per month.

  2. Grange: $2,585 per year, or about $215 per month.

  3. Progressive: $2,661 per year, or about $222 per month.

  4. Geico: $2,770 per year, or about $231 per month.

  5. Nationwide: $3,554 per year, or about $296 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 the best cheap car 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. Kentucky Farm Bureau: $1,455 per year, or about $121 per month.

  2. Grange: $1,623 per year, or about $135 per month.

  3. Geico: $1,702 per year, or about $142 per month.

  4. State Farm: $1,705 per year, or about $142 per month.

  5. Shelter: $1,717 per year, or about $143 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: $329 per year, or about $27 per month.

  2. Electric Insurance: $465 per year, or about $39 per month.

  3. Geico: $500 per year, or about $42 per month.

  4. State Farm: $501 per year, or about $42 per month.

  5. Encova: $605 per year, or about $50 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. Grange: $1,973 per year, or about $164 per month.

  2. Geico: $2,364 per year, or about $197 per month.

  3. Nationwide: $2,861 per year, or about $238 per month.

  4. State Auto: $3,048 per year, or about $254 per month.

  5. State Farm: $3,305 per year, or about $275 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. Kentucky Farm Bureau: $1,927 per year, or about $161 per month.

  2. State Farm: $2,025 per year, or about $169 per month.

  3. Electric Insurance: $2,102 per year, or about $175 per month.

  4. Grange: $2,239 per year, or about $187 per month.

  5. Geico: $2,423 per year, or about $202 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. State Farm: $2,319 per year, or about $193 per month.

  2. Grange: $2,433 per year, or about $203 per month.

  3. Progressive: $2,484 per year, or about $207 per month.

  4. Geico: $2,781 per year, or about $232 per month.

  5. Kentucky Farm Bureau: $3,320 per year, or about $277 per month.

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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 auto 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. Kentucky Farm Bureau: $1,455 per year, or about $121 per month.

  2. Grange: $1,538 per year, or about $128 per month.

  3. State Farm: $1,617 per year, or about $135 per month.

  4. State Auto: $1,623 per year, or about $135 per month.

  5. Geico: $1,702 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: $329 per year, or about $27 per month.

  2. Electric Insurance: $444 per year, or about $37 per month.

  3. State Farm: $474 per year, or about $40 per month.

  4. Geico: $500 per year, or about $42 per month.

  5. Encova: $625 per year, or about $52 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. Grange: $1,862 per year, or about $155 per month.

  2. Geico: $2,366 per year, or about $197 per month.

  3. Nationwide: $2,666 per year, or about $222 per month.

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

  5. State Farm: $3,114 per year, or about $260 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. State Farm: $1,920 per year, or about $160 per month.

  2. Kentucky Farm Bureau: $1,927 per year, or about $161 per month.

  3. Electric Insurance: $2,012 per year, or about $168 per month.

  4. Grange: $2,146 per year, or about $179 per month.

  5. Geico: $2,428 per year, or about $202 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. State Farm: $2,198 per year, or about $183 per month.

  2. Grange: $2,286 per year, or about $190 per month.

  3. Progressive: $2,391 per year, or about $199 per month.

  4. Geico: $2,789 per year, or about $232 per month.

  5. Nationwide: $3,274 per year, or about $273 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 46 of the 48 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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