The Cheapest Car Insurance in Kentucky for April 2024

Shelter offers the cheapest car insurance in Kentucky, with an average annual rate of $1,584 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Table of Contents

Table of Contents

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 $1,584 per year on average, or $132 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 $2,965 per year, or about $247 per month.

Minimum coverage in Kentucky is $801 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 $222 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.
Learn more

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 18 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: $3,324 per year, or about $277 per month.
  2. Auto-Owners: $3,552 per year, or about $296 per month.
  3. Kentucky Farm Bureau: $4,060 per year, or about $338 per month.
  4. Encova: $4,168 per year, or about $347 per month.
  5. Cincinnati Insurance: $4,470 per year, or about $373 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. Kentucky Farm Bureau: $617 per year, or about $51 per month.
  2. Encova: $944 per year, or about $79 per month.
  3. Auto-Owners: $1,209 per year, or about $101 per month.
  4. Cincinnati Insurance: $1,264 per year, or about $105 per month.
  5. Shelter: $1,302 per year, or about $109 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. Kentucky Farm Bureau: $1,890 per year, or about $158 per month.
  2. Cincinnati Insurance: $1,949 per year, or about $162 per month.
  3. Encova: $2,382 per year, or about $199 per month.
  4. Allstate: $2,589 per year, or about $216 per month.
  5. Geico: $2,811 per year, or about $234 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. Kentucky Farm Bureau: $617 per year, or about $51 per month.
  2. Encova: $994 per year, or about $83 per month.
  3. Shelter: $1,302 per year, or about $109 per month.
  4. Cincinnati Insurance: $1,505 per year, or about $125 per month.
  5. Auto-Owners: $1,766 per year, or about $147 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. Kentucky Farm Bureau: $747 per year, or about $62 per month.
  2. Encova: $1,081 per year, or about $90 per month.
  3. Shelter: $1,758 per year, or about $147 per month.
  4. Auto-Owners: $1,804 per year, or about $150 per month.
  5. Allstate: $2,362 per year, or about $197 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. Encova: $1,511 per year, or about $126 per month.
  2. Kentucky Farm Bureau: $1,542 per year, or about $129 per month.
  3. Shelter: $2,070 per year, or about $173 per month.
  4. Progressive: $2,332 per year, or about $194 per month.
  5. Allstate: $2,573 per year, or about $214 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. Auto-Owners: $1,678 per year, or about $140 per month.
  2. Kentucky Farm Bureau: $1,731 per year, or about $144 per month.
  3. Shelter: $1,803 per year, or about $150 per month.
  4. Encova: $1,833 per year, or about $153 per month.
  5. Travelers: $2,211 per year, or about $184 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: $222 per year, or about $19 per month.
  2. Encova: $380 per year, or about $32 per month.
  3. Auto-Owners: $479 per year, or about $40 per month.
  4. Cincinnati Insurance: $507 per year, or about $42 per month.
  5. Westfield: $623 per year, or about $52 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. Cincinnati Insurance: $3,735 per year, or about $311 per month.
  2. Grange: $3,852 per year, or about $321 per month.
  3. Encova: $3,971 per year, or about $331 per month.
  4. Westfield: $4,215 per year, or about $351 per month.
  5. Travelers: $4,229 per year, or about $352 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: $222 per year, or about $19 per month.
  2. Encova: $435 per year, or about $36 per month.
  3. Cincinnati Insurance: $605 per year, or about $50 per month.
  4. Shelter: $658 per year, or about $55 per month.
  5. Auto-Owners: $699 per year, or about $58 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: $2,258 per year, or about $188 per month.
  2. Auto-Owners: $2,258 per year, or about $188 per month.
  3. Kentucky Farm Bureau: $2,259 per year, or about $188 per month.
  4. Encova: $2,406 per year, or about $201 per month.
  5. Travelers: $2,597 per year, or about $216 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: $2,590 per year, or about $216 per month.
  2. Progressive: $3,660 per year, or about $305 per month.
  3. Auto-Owners: $3,720 per year, or about $310 per month.
  4. Travelers: $3,784 per year, or about $315 per month.
  5. Kentucky Farm Bureau: $3,870 per year, or about $323 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: $1,488 per year, or about $124 per month.
  2. Auto-Owners: $1,648 per year, or about $137 per month.
  3. Kentucky Farm Bureau: $1,686 per year, or about $141 per month.
  4. Encova: $1,833 per year, or about $153 per month.
  5. Cincinnati Insurance: $2,131 per year, or about $178 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: $215 per year, or about $18 per month.
  2. Encova: $380 per year, or about $32 per month.
  3. Cincinnati Insurance: $456 per year, or about $38 per month.
  4. Auto-Owners: $467 per year, or about $39 per month.
  5. Shelter: $531 per year, or about $44 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: $3,434 per year, or about $286 per month.
  2. Grange: $3,742 per year, or about $312 per month.
  3. Travelers: $3,760 per year, or about $313 per month.
  4. Encova: $3,971 per year, or about $331 per month.
  5. Shelter: $4,069 per year, or about $339 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: $215 per year, or about $18 per month.
  2. Encova: $435 per year, or about $36 per month.
  3. Shelter: $531 per year, or about $44 per month.
  4. Cincinnati Insurance: $539 per year, or about $45 per month.
  5. Auto-Owners: $681 per year, or about $57 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: $1,854 per year, or about $155 per month.
  2. Kentucky Farm Bureau: $2,199 per year, or about $183 per month.
  3. Auto-Owners: $2,215 per year, or about $185 per month.
  4. Encova: $2,406 per year, or about $201 per month.
  5. Travelers: $2,524 per year, or about $210 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: $2,120 per year, or about $177 per month.
  2. Progressive: $3,416 per year, or about $285 per month.
  3. Travelers: $3,638 per year, or about $303 per month.
  4. Auto-Owners: $3,643 per year, or about $304 per month.
  5. Kentucky Farm Bureau: $3,759 per year, or about $313 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: $1,304 per year, or about $109 per month.
  2. Kentucky Farm Bureau: $1,421 per year, or about $118 per month.
  3. Auto-Owners: $1,565 per year, or about $130 per month.
  4. Cincinnati Insurance: $1,880 per year, or about $157 per month.
  5. Encova: $1,900 per year, or about $158 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: $184 per year, or about $15 per month.
  2. Cincinnati Insurance: $395 per year, or about $33 per month.
  3. Encova: $398 per year, or about $33 per month.
  4. Auto-Owners: $430 per year, or about $36 per month.
  5. Shelter: $456 per year, or about $38 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: $3,015 per year, or about $251 per month.
  2. Grange: $3,418 per year, or about $285 per month.
  3. Shelter: $3,552 per year, or about $296 per month.
  4. Travelers: $3,637 per year, or about $303 per month.
  5. Westfield: $3,841 per year, or about $320 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: $184 per year, or about $15 per month.
  2. Encova: $453 per year, or about $38 per month.
  3. Shelter: $456 per year, or about $38 per month.
  4. Cincinnati Insurance: $472 per year, or about $39 per month.
  5. Auto-Owners: $628 per year, or about $52 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: $1,619 per year, or about $135 per month.
  2. Kentucky Farm Bureau: $1,844 per year, or about $154 per month.
  3. Auto-Owners: $2,096 per year, or about $175 per month.
  4. Travelers: $2,364 per year, or about $197 per month.
  5. Encova: $2,471 per year, or about $206 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: $1,840 per year, or about $153 per month.
  2. Kentucky Farm Bureau: $3,093 per year, or about $258 per month.
  3. Progressive: $3,213 per year, or about $268 per month.
  4. Auto-Owners: $3,432 per year, or about $286 per month.
  5. Travelers: $3,715 per year, or about $310 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: $1,265 per year, or about $105 per month.
  2. Kentucky Farm Bureau: $1,421 per year, or about $118 per month.
  3. Auto-Owners: $1,531 per year, or about $128 per month.
  4. Cincinnati Insurance: $1,722 per year, or about $144 per month.
  5. Encova: $1,948 per year, or about $162 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: $184 per year, or about $15 per month.
  2. Cincinnati Insurance: $370 per year, or about $31 per month.
  3. Encova: $411 per year, or about $34 per month.
  4. Auto-Owners: $419 per year, or about $35 per month.
  5. Shelter: $440 per year, or about $37 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: $2,766 per year, or about $231 per month.
  2. Grange: $3,253 per year, or about $271 per month.
  3. Shelter: $3,433 per year, or about $286 per month.
  4. Travelers: $3,619 per year, or about $302 per month.
  5. Westfield: $3,726 per year, or about $311 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: $184 per year, or about $15 per month.
  2. Cincinnati Insurance: $440 per year, or about $37 per month.
  3. Shelter: $440 per year, or about $37 per month.
  4. Encova: $466 per year, or about $39 per month.
  5. Auto-Owners: $611 per year, or about $51 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: $1,566 per year, or about $131 per month.
  2. Kentucky Farm Bureau: $1,844 per year, or about $154 per month.
  3. Auto-Owners: $2,053 per year, or about $171 per month.
  4. Travelers: $2,341 per year, or about $195 per month.
  5. Encova: $2,519 per year, or about $210 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: $1,777 per year, or about $148 per month.
  2. Kentucky Farm Bureau: $3,093 per year, or about $258 per month.
  3. Progressive: $3,138 per year, or about $261 per month.
  4. Auto-Owners: $3,366 per year, or about $281 per month.
  5. State Farm: $3,585 per year, or about $299 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: $1,400 per year, or about $117 per month.
  2. Kentucky Farm Bureau: $1,510 per year, or about $126 per month.
  3. Auto-Owners: $1,771 per year, or about $148 per month.
  4. Encova: $2,028 per year, or about $169 per month.
  5. Cincinnati Insurance: $2,030 per year, or about $169 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: $244 per year, or about $20 per month.
  2. Encova: $440 per year, or about $37 per month.
  3. Shelter: $495 per year, or about $41 per month.
  4. Auto-Owners: $523 per year, or about $44 per month.
  5. Cincinnati Insurance: $543 per year, or about $45 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. Cincinnati Insurance: $3,298 per year, or about $275 per month.
  2. Grange: $3,534 per year, or about $295 per month.
  3. Shelter: $3,828 per year, or about $319 per month.
  4. Westfield: $4,099 per year, or about $342 per month.
  5. Travelers: $4,290 per year, or about $357 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: $244 per year, or about $20 per month.
  2. Encova: $495 per year, or about $41 per month.
  3. Shelter: $495 per year, or about $41 per month.
  4. Cincinnati Insurance: $651 per year, or about $54 per month.
  5. Westfield: $726 per year, or about $61 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: $1,742 per year, or about $145 per month.
  2. Kentucky Farm Bureau: $1,958 per year, or about $163 per month.
  3. Auto-Owners: $2,411 per year, or about $201 per month.
  4. Encova: $2,605 per year, or about $217 per month.
  5. Travelers: $2,687 per year, or about $224 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: $1,989 per year, or about $166 per month.
  2. Kentucky Farm Bureau: $3,317 per year, or about $276 per month.
  3. Progressive: $3,522 per year, or about $294 per month.
  4. State Farm: $3,758 per year, or about $313 per month.
  5. Auto-Owners: $4,020 per year, or about $335 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 64 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2021 Toyota Camry LE 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.

On a similar note...

Free car insurance comparison

Instantly compare top auto insurance companies.

Get started

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.
Sign up