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Best Cheap Car Insurance in Kentucky for 2021

July 12, 2021
Auto Insurance, Insurance
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It’s important to shop around when looking for cheap car insurance in Kentucky, where rates are relatively high. Prices for the same set of coverages can change dramatically from one company to the next, so you’ll benefit from comparing as many estimates as possible.

To make things easier, NerdWallet researched rates from 25 insurers in the state and found the five cheapest options for several types of drivers.

Cheapest car insurance in Kentucky 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: $2,988 per year.
  2. Grange: $3,310 per year.
  3. State Farm: $3,589 per year.
  4. Nationwide: $4,105 per year.
  5. Kentucky Farm Bureau: $4,184 per year.

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: $851 per year.
  2. Kentucky Farm Bureau: $1,092 per year.
  3. Encova: $1,213 per year.
  4. State Farm: $1,301 per year.
  5. Westfield: $1,310 per year.

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: $1,090 per year.
  2. Westfield: $1,633 per year.
  3. Grange: $2,211 per year.
  4. Allstate: $2,793 per year.
  5. State Farm: $2,825 per year.

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: $1,096 per year.
  2. Kentucky Farm Bureau: $1,324 per year.
  3. Encova: $1,366 per year.
  4. Westfield: $1,558 per year.
  5. State Farm: $1,668 per year.

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: $1,277 per year.
  2. State Farm: $2,033 per year.
  3. Westfield: $2,052 per year.
  4. Encova: $2,242 per year.
  5. Progressive: $2,342 per year.

Cheapest car insurance in Kentucky 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. Kentucky Farm Bureau: $1,714 per year.
  2. Geico: $1,799 per year.
  3. State Farm: $1,897 per year.
  4. Grange: $1,902 per year.
  5. State Auto: $1,914 per year.

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: $379 per year.
  2. Westfield: $390 per year.
  3. Geico: $439 per year.
  4. Encova: $527 per year.
  5. State Farm: $607 per year.

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. Geico: $2,250 per year.
  2. Grange: $2,341 per year.
  3. Westfield: $3,088 per year.
  4. Nationwide: $3,111 per year.
  5. State Auto: $3,345 per year.

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: $2,272 per year.
  2. Kentucky Farm Bureau: $2,283 per year.
  3. Geico: $2,433 per year.
  4. Grange: $2,486 per year.
  5. Westfield: $2,786 per year.

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: $2,629 per year.
  2. Grange: $2,853 per year.
  3. Progressive: $2,903 per year.
  4. Geico: $2,950 per year.
  5. Nationwide: $3,620 per year.

Cheapest car insurance in Kentucky 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. Kentucky Farm Bureau: $1,668 per year.
  2. Geico: $1,769 per year.
  3. State Auto: $1,826 per year.
  4. State Farm: $1,860 per year.
  5. Grange: $1,901 per year.

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: $367 per year.
  2. Westfield: $386 per year.
  3. Geico: $435 per year.
  4. Encova: $527 per year.
  5. State Auto: $597 per year.

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. Geico: $2,221 per year.
  2. Grange: $2,344 per year.
  3. Nationwide: $3,042 per year.
  4. Westfield: $3,062 per year.
  5. State Auto: $3,162 per year.

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. Kentucky Farm Bureau: $2,220 per year.
  2. State Farm: $2,228 per year.
  3. Geico: $2,393 per year.
  4. Grange: $2,567 per year.
  5. State Auto: $2,741 per year.

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: $2,579 per year.
  2. Progressive: $2,687 per year.
  3. Grange: $2,855 per year.
  4. Geico: $2,901 per year.
  5. Nationwide: $3,569 per year.

Cheapest car insurance in Kentucky 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: $1,396 per year.
  2. State Auto: $1,631 per year.
  3. Geico: $1,705 per year.
  4. Grange: $1,779 per year.
  5. Shelter: $1,788 per year.

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: $314 per year.
  2. Westfield: $354 per year.
  3. Geico: $436 per year.
  4. Encova: $441 per year.
  5. State Auto: $528 per year.

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: $2,192 per year.
  2. Geico: $2,379 per year.
  3. State Auto: $2,812 per year.
  4. Westfield: $2,828 per year.
  5. Nationwide: $2,880 per year.

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: $1,846 per year.
  2. State Farm: $2,182 per year.
  3. Encova: $2,320 per year.
  4. Geico: $2,386 per year.
  5. State Auto: $2,436 per year.

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. Progressive: $2,490 per year.
  2. State Farm: $2,529 per year.
  3. Grange: $2,675 per year.
  4. Geico: $2,886 per year.
  5. Kentucky Farm Bureau: $3,173 per year.

Cheapest car insurance in Kentucky for 65-year-old drivers

Although 65-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 mid-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 65-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: $1,476 per year.
  2. State Auto: $1,535 per year.
  3. State Farm: $1,702 per year.
  4. Grange: $1,735 per year.
  5. Geico: $1,749 per year.

Cheapest minimum coverage car insurance in Kentucky for 65-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: $347 per year.
  2. Westfield: $361 per year.
  3. Geico: $455 per year.
  4. Encova: $460 per year.
  5. State Auto: $517 per year.

Cheapest auto insurance in Kentucky for 65-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: $2,132 per year.
  2. Geico: $2,442 per year.
  3. State Auto: $2,631 per year.
  4. Nationwide: $2,770 per year.
  5. Westfield: $2,880 per year.

Cheapest auto insurance in Kentucky for 65-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. Kentucky Farm Bureau: $1,955 per year.
  2. State Farm: $2,044 per year.
  3. State Auto: $2,289 per year.
  4. Encova: $2,394 per year.
  5. Geico: $2,448 per year.

Cheapest auto insurance in Kentucky for 65-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: $2,370 per year.
  2. Grange: $2,603 per year.
  3. Progressive: $2,657 per year.
  4. Geico: $2,954 per year.
  5. Nationwide: $3,358 per year.

Cheapest car insurance for military families in Kentucky

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 34 of the 40 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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