The Cheapest Car Insurance in Kentucky for April 2024
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
- How we chose the cheapest companies in Kentucky
- Cheapest for 20-year-old drivers
- Cheapest for 30-year-old drivers
- Cheapest for 40-year-old drivers
- Cheapest for 50-year-old drivers
- Cheapest for 60-year-old drivers
- Cheapest for 70-year-old drivers
- Cheapest car insurance for military families
- Minimum required auto insurance in Kentucky
- Alternative car insurance in Kentucky
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.
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.
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:
- Kentucky Farm Bureau: $4,060 per year, or about $338 per month.
- Allstate: $8,527 per year, or about $711 per month.
- Auto-Owners: $3,552 per year, or about $296 per month.
- Encompass: $7,515 per year, or about $626 per month.
- Farmers: $17,006 per year, or about $1,417 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:
- Kentucky Farm Bureau: $617 per year, or about $51 per month.
- Allstate: $2,202 per year, or about $184 per month.
- Auto-Owners: $1,209 per year, or about $101 per month.
- Encompass: $2,975 per year, or about $248 per month.
- Farmers: $4,697 per year, or about $391 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:
- Kentucky Farm Bureau: $1,890 per year, or about $158 per month.
- Allstate: $2,589 per year, or about $216 per month.
- Auto-Owners: $3,369 per year, or about $281 per month.
- Encompass: $4,526 per year, or about $377 per month.
- 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:
- Kentucky Farm Bureau: $617 per year, or about $51 per month.
- Allstate: $2,252 per year, or about $188 per month.
- Auto-Owners: $1,766 per year, or about $147 per month.
- Encompass: $4,034 per year, or about $336 per month.
- Farmers: $6,777 per year, or about $565 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:
- Kentucky Farm Bureau: $747 per year, or about $62 per month.
- Allstate: $2,362 per year, or about $197 per month.
- Auto-Owners: $1,804 per year, or about $150 per month.
- Encompass: $4,264 per year, or about $355 per month.
- Geico: $3,044 per year, or about $254 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.
- Kentucky Farm Bureau: $1,542 per year, or about $129 per month.
- Allstate: $2,573 per year, or about $214 per month.
- Auto-Owners: $3,215 per year, or about $268 per month.
- Encompass: $8,510 per year, or about $709 per month.
- Geico: $4,132 per year, or about $344 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:
- Kentucky Farm Bureau: $1,731 per year, or about $144 per month.
- Allstate: $4,053 per year, or about $338 per month.
- Auto-Owners: $1,678 per year, or about $140 per month.
- Encompass: $3,901 per year, or about $325 per month.
- Farmers: $7,205 per year, or about $600 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:
- Kentucky Farm Bureau: $222 per year, or about $19 per month.
- Allstate: $1,041 per year, or about $87 per month.
- Auto-Owners: $479 per year, or about $40 per month.
- Encompass: $1,195 per year, or about $100 per month.
- Farmers: $2,382 per year, or about $199 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:
- Kentucky Farm Bureau: $5,305 per year, or about $442 per month.
- Allstate: $7,710 per year, or about $643 per month.
- Auto-Owners: $4,808 per year, or about $401 per month.
- Encompass: $6,294 per year, or about $525 per month.
- Farmers: $12,172 per year, or about $1,014 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:
- Kentucky Farm Bureau: $222 per year, or about $19 per month.
- Allstate: $1,093 per year, or about $91 per month.
- Auto-Owners: $699 per year, or about $58 per month.
- Encompass: $1,612 per year, or about $134 per month.
- Farmers: $2,654 per year, or about $221 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:
- Kentucky Farm Bureau: $2,259 per year, or about $188 per month.
- Allstate: $6,804 per year, or about $567 per month.
- Auto-Owners: $2,258 per year, or about $188 per month.
- Encompass: $5,724 per year, or about $477 per month.
- Farmers: $11,621 per year, or about $968 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.
- Kentucky Farm Bureau: $3,870 per year, or about $323 per month.
- Allstate: $5,440 per year, or about $453 per month.
- Auto-Owners: $3,720 per year, or about $310 per month.
- Encompass: $11,742 per year, or about $979 per month.
- Farmers: $11,214 per year, or about $935 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:
- Kentucky Farm Bureau: $1,686 per year, or about $141 per month.
- Allstate: $4,053 per year, or about $338 per month.
- Auto-Owners: $1,648 per year, or about $137 per month.
- Encompass: $3,901 per year, or about $325 per month.
- Farmers: $6,893 per year, or about $574 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:
- Kentucky Farm Bureau: $215 per year, or about $18 per month.
- Allstate: $1,030 per year, or about $86 per month.
- Auto-Owners: $467 per year, or about $39 per month.
- Encompass: $1,195 per year, or about $100 per month.
- Farmers: $2,002 per year, or about $167 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:
- Kentucky Farm Bureau: $5,167 per year, or about $431 per month.
- Allstate: $7,590 per year, or about $633 per month.
- Auto-Owners: $4,714 per year, or about $393 per month.
- Encompass: $6,294 per year, or about $525 per month.
- Farmers: $11,633 per year, or about $969 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:
- Kentucky Farm Bureau: $215 per year, or about $18 per month.
- Allstate: $1,093 per year, or about $91 per month.
- Auto-Owners: $681 per year, or about $57 per month.
- Encompass: $1,612 per year, or about $134 per month.
- Farmers: $2,632 per year, or about $219 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:
- Kentucky Farm Bureau: $2,199 per year, or about $183 per month.
- Allstate: $6,781 per year, or about $565 per month.
- Auto-Owners: $2,215 per year, or about $185 per month.
- Encompass: $5,724 per year, or about $477 per month.
- Farmers: $11,083 per year, or about $924 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.
- Kentucky Farm Bureau: $3,759 per year, or about $313 per month.
- Allstate: $5,440 per year, or about $453 per month.
- Auto-Owners: $3,643 per year, or about $304 per month.
- Encompass: $15,051 per year, or about $1,254 per month.
- Farmers: $10,655 per year, or about $888 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:
- Kentucky Farm Bureau: $1,421 per year, or about $118 per month.
- Allstate: $3,906 per year, or about $326 per month.
- Auto-Owners: $1,565 per year, or about $130 per month.
- Encompass: $3,527 per year, or about $294 per month.
- Farmers: $6,303 per year, or about $525 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:
- Kentucky Farm Bureau: $184 per year, or about $15 per month.
- Allstate: $878 per year, or about $73 per month.
- Auto-Owners: $430 per year, or about $36 per month.
- Encompass: $1,160 per year, or about $97 per month.
- Farmers: $1,836 per year, or about $153 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:
- Kentucky Farm Bureau: $4,357 per year, or about $363 per month.
- Allstate: $6,873 per year, or about $573 per month.
- Auto-Owners: $4,475 per year, or about $373 per month.
- Encompass: $5,663 per year, or about $472 per month.
- Farmers: $10,117 per year, or about $843 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:
- Kentucky Farm Bureau: $184 per year, or about $15 per month.
- Allstate: $957 per year, or about $80 per month.
- Auto-Owners: $628 per year, or about $52 per month.
- Encompass: $1,562 per year, or about $130 per month.
- Farmers: $2,668 per year, or about $222 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:
- Kentucky Farm Bureau: $1,844 per year, or about $154 per month.
- Allstate: $5,913 per year, or about $493 per month.
- Auto-Owners: $2,096 per year, or about $175 per month.
- Encompass: $5,151 per year, or about $429 per month.
- Farmers: $14,283 per year, or about $1,190 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.
- Kentucky Farm Bureau: $3,093 per year, or about $258 per month.
- Allstate: $5,307 per year, or about $442 per month.
- Auto-Owners: $3,432 per year, or about $286 per month.
- Encompass: $10,395 per year, or about $866 per month.
- Farmers: $9,571 per year, or about $798 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:
- Kentucky Farm Bureau: $1,421 per year, or about $118 per month.
- Allstate: $3,843 per year, or about $320 per month.
- Auto-Owners: $1,531 per year, or about $128 per month.
- Encompass: $3,366 per year, or about $281 per month.
- Farmers: $5,758 per year, or about $480 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:
- Kentucky Farm Bureau: $184 per year, or about $15 per month.
- Allstate: $878 per year, or about $73 per month.
- Auto-Owners: $419 per year, or about $35 per month.
- Encompass: $1,139 per year, or about $95 per month.
- Farmers: $1,727 per year, or about $144 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:
- Kentucky Farm Bureau: $4,357 per year, or about $363 per month.
- Allstate: $6,825 per year, or about $569 per month.
- Auto-Owners: $4,366 per year, or about $364 per month.
- Encompass: $5,431 per year, or about $453 per month.
- Farmers: $10,124 per year, or about $844 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:
- Kentucky Farm Bureau: $184 per year, or about $15 per month.
- Allstate: $957 per year, or about $80 per month.
- Auto-Owners: $611 per year, or about $51 per month.
- Encompass: $1,528 per year, or about $127 per month.
- Farmers: $2,711 per year, or about $226 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:
- Kentucky Farm Bureau: $1,844 per year, or about $154 per month.
- Allstate: $5,913 per year, or about $493 per month.
- Auto-Owners: $2,053 per year, or about $171 per month.
- Encompass: $4,927 per year, or about $411 per month.
- Farmers: $11,699 per year, or about $975 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.
- Kentucky Farm Bureau: $3,093 per year, or about $258 per month.
- Allstate: $5,243 per year, or about $437 per month.
- Auto-Owners: $3,366 per year, or about $281 per month.
- Encompass: $10,085 per year, or about $840 per month.
- Farmers: $8,858 per year, or about $738 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:
- Kentucky Farm Bureau: $1,510 per year, or about $126 per month.
- Allstate: $4,076 per year, or about $340 per month.
- Auto-Owners: $1,771 per year, or about $148 per month.
- Encompass: $3,330 per year, or about $278 per month.
- Farmers: $7,075 per year, or about $590 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:
- Kentucky Farm Bureau: $244 per year, or about $20 per month.
- Allstate: $878 per year, or about $73 per month.
- Auto-Owners: $523 per year, or about $44 per month.
- Encompass: $1,126 per year, or about $94 per month.
- Farmers: $2,071 per year, or about $173 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:
- Kentucky Farm Bureau: $4,629 per year, or about $386 per month.
- Allstate: $6,981 per year, or about $582 per month.
- Auto-Owners: $5,017 per year, or about $418 per month.
- Encompass: $5,392 per year, or about $449 per month.
- Farmers: $10,848 per year, or about $904 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:
- Kentucky Farm Bureau: $244 per year, or about $20 per month.
- Allstate: $959 per year, or about $80 per month.
- Auto-Owners: $763 per year, or about $64 per month.
- Encompass: $1,511 per year, or about $126 per month.
- Farmers: $2,848 per year, or about $237 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:
- Kentucky Farm Bureau: $1,958 per year, or about $163 per month.
- Allstate: $5,958 per year, or about $497 per month.
- Auto-Owners: $2,411 per year, or about $201 per month.
- Encompass: $4,884 per year, or about $407 per month.
- Farmers: $9,733 per year, or about $811 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.
- Kentucky Farm Bureau: $3,317 per year, or about $276 per month.
- Allstate: $5,597 per year, or about $466 per month.
- Auto-Owners: $4,020 per year, or about $335 per month.
- Encompass: $10,081 per year, or about $840 per month.
- Farmers: $9,960 per year, or about $830 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.
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.
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...