Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
It can be quite a treat to take a road trip to Yahoo Arch in Arizona or wander through Daniel Boone National Forest, Kentucky. Are you getting the best auto insurance rates to protect your vehicle and yourself on your road trip?
We compared the estimated car insurance rates of various Kentucky insurance companies and found that we could calculate an average cost and which insurers offer the lowest estimated rates for basic coverage for multiple driver profiles.
These calculations were made based on a driver who has not been in an accident, ticket, or filed any claims. Rates may vary depending on factors such as your driving record, age, vehicle type, mileage, and coverage options.
Continue reading to find out about Kentucky’s average auto insurance rates. We also reveal our findings regarding the most affordable basic insurance coverage options in Kentucky.
Car insurance costs in Kentucky
The average monthly premium for basic Kentucky car insurance is just below $75. It can go up to $200 depending on the coverage and driver profile.
Monthly average auto insurance premiums in Kentucky
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Kentucky offers full-coverage auto insurance | $244.59 |
| Kentucky’s minimum state-required car insurance | $73.53 |
| Kentucky drivers with bad credit | $127.68 |
| Multiple claims drivers in Kentucky | $167.19 |
| Young drivers in Kentucky | $113.24 |
Based upon our standard driver profile, minimal coverage, unless noted
5 Best Car Insurance Companies in Kentucky
Westfield and Cincinnati Insurance are among the five most affordable insurers in all categories. Rates below were calculated using a Kentucky driver profile. Your rates may be different. These characteristics include drivers aged 36-45, no tickets or coverage gaps, and a vehicle worth $20,000-$30,000,000.
Don’t be discouraged if this is not you. Additional information will be provided for drivers of different ages, credit scores and driving histories.
1. Cincinnati Insurance
Cincinnati Insurance sells life, auto, and home insurance through independent agents only. Our Kentucky driver profile could receive basic car insurance coverage through Cincinnati Insurance starting at $34.33 per monthly after calculating premiums. Other notable features include a large rental coverage policy, optional gaps coverage, and antique or collector car coverage. For good grades, bundled policies, and safe driving records, discounts are available.
2. Westfield
Westfield Center, Ohio may offer a basic auto policy to a Kentucky driver for as low $35.96 per monthly. Westfield offers insurance for cars and motorcycles as well as boats. Westfield offers insurance for cars, including liability, collision and comprehensive, as well as medical payments and personal injuries protection. You can also add services such roadside assistance or loan/lease gap coverage.
3. USAA
For as low as $45.84 per monthly for basic coverage, drivers who meet our Kentucky criteria could get USAA auto insurance in Kentucky. USAA also offers comprehensive, collision, uninsured/underinsured motorist and personal injury projection coverages to military members and their families. Drivers may be eligible for USAA SafePilot. This app-based discount program allows drivers to save up to 30% on their premiums by keeping track of their safe driving habits.
Review USAA.
4. Kentucky Farm Bureau
Kentucky Farm Bureau offers basic coverage for a standard Kentucky driver profile for car insurance starting at $47.83 per mo. Kentucky Farm Bureau was established in 1919. Policies are sold through local agents. However, coverage can be taken with you anywhere in the U.S., Canada, and Puerto Rico.
Kentucky Farm Bureau offers a usage-based discount program called DriveRight Mobile that can help customers save 5% on their premiums and provide driving feedback within as little as three trips.
5. Auto-Owners insurance
For as low as $48.75 per monthly, basic auto insurance coverage could be available through Auto-Owners Insurance for a Kentucky driver profile. Auto-Owners provides a variety of coverage options and perks, including a collision coverage advantage and common loss deductible. This waives your collision-deductible if you are in an accident with another insured vehicle. Customers may also qualify for generous discounts.
The cheapest full-coverage car insurance available in Kentucky
Full-coverage auto insurance may be a good option if you need more than just basic protection, or if you have a loan agreement or lease agreement that requires additional coverage.
Full-coverage auto insurance usually covers bodily injury, property damages, uninsured motorists, personal injury protection, collision, and comprehensive coverages. These companies have the lowest rates available for Kentucky drivers who are looking for full-coverage insurance.
5 Full-coverage Car Insurance Companies inKentucky
|
1 |
Auto-Owners insurance | $124.00/month |
|
2 |
Kentucky Farm Bureau | $142.25/month |
|
3 |
Cincinnati Insurance | $151.63/month |
|
4 |
USAA | $154.76/month |
|
5 |
Westfield | $162.33/month |
Based upon our standard driver profile, Kentucky coverage is sought for full coverage instead of the minimum.
The cheapest state-minimum auto insurance in Kentucky
The minimum coverage required to legally register your vehicle and drive it is called state-minimum. This is the simplest type of auto insurance and most likely the most affordable.
These five companies offer the lowest rates for drivers who are interested in coverage beyond state minimums.
5 best car insurance companies Kentucky to provide state-minimum coverage
|
1 |
Cincinnati Insurance | $34.33/month |
|
2 |
Westfield | $35.96/month |
|
3 |
USAA | $45.84/month |
|
4 |
Kentucky Farm Bureau | $47.83/month |
|
5 |
Auto-Owners insurance | $48.75/month |
Based upon our standard driver profile, seeking minimum coverage for Kentucky
Best car insurance for people with good credit in Kentucky
How much you pay for auto insurance can be affected by your credit score. Sometimes, a higher credit score can mean a lower monthly premium.
These five insurance companies are worth looking at if you have excellent credit and want cheap car insurance.
The Kentucky cheapest car insurance for people with good credit
|
1 |
Westfield | $28.57/month |
|
2 |
Cincinnati Insurance | $29.24/month |
|
3 |
Auto-Owners insurance | $33.06/month |
|
4 |
Kentucky Farm Bureau | $35.39/month |
|
5 |
State Farm | $38.22/month |
Based upon our standard driver profile, adjusted to show rates for Kentucky drivers with a credit score greater than 720
Lowest car insurance in Kentucky for people with poor credit
Even if your credit score is not great, you may still be eligible for affordable auto insurance from many providers.
These companies offer the lowest rates for basic coverage for drivers with poor credit.
5 Best Car Insurance Companies in Kentucky For People with Poor Credit
|
1 |
Cincinnati Insurance | $58.85/month |
|
2 |
Westfield | $69.77/month |
|
3 |
All over the country | $88.85/month |
|
4 |
USAA | $96.28/month |
|
5 |
Geico | $97.46/month |
Based upon our standard driver profile, adjusted for rates for Kentucky drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Kentucky
Your loss history report or claims history is a record of all your insurance claims over the past five years. This can affect the amount you pay for insurance.
These five companies offer the best basic auto coverage for drivers who have multiple insurance claims.
5 Best Car Insurance Companies in Kentucky Multiple Claims
|
1 |
Kentucky Farm Bureau | $65.92/month |
|
2 |
State Farm | $81.92/month |
|
3 |
Westfield | $88.83/month |
|
4 |
Cincinnati Insurance | $90.04/month |
|
5 |
Motorists Mutual | $90.88/month |
Cheapest auto insurance for young drivers in Kentucky
Car insurance prices can be affected by your age. Car insurance may be more expensive for younger drivers who are less experienced.
These are the five most affordable car insurance companies in Kentucky that offer basic insurance coverage for drivers aged 18-21.
5 Best Car Insurance Companies in Kentucky For Young Drivers
|
1 |
Westfield | $48.88/month |
|
2 |
Cincinnati Insurance | $58.29/month |
|
3 |
USAA | $68.39/month |
|
4 |
Travelers | $72.25/month |
|
5 |
Auto-Owners insurance | $75.58/month |
Kentucky auto insurance requirements
Kentucky drivers must have minimum liability coverage of $25,000 in bodily injury damages, $50,000 for total bodily liability per incident (if more than one person is injured by the accident), Kentucky also requires $25,000 for property damage liability. You can also carry a policy with a limit of $60,000.
An auto policy must provide basic reparations benefits, also known as personal injury protection. These can be used to cover medical expenses, lost wages, funeral expenses, and other out-of pocket costs.
Is there usage-based insurance in Kentucky HTML3_ HTML3_ HTML3_ HTML4_ HTML5_ HTML3_ HTML3_ HTML4_ HTML5_ HTML3_ HTML3_ HTML4_ HTML5_ HTML3_ HTML5_ HTML3_ HTML5_ HTML3_ HTML3_ HTML4_ HTML5_ HTML3_ HTML3_ HTML5_ HTML3_
Vehicle insurance that is usage-based allows customers to pay premiums according to their driving habits and mileage. Kentucky offers usage-based insurance. Also known as telematics based insurance.
FAQs regarding the lowest car insurance rates in Kentucky
What is the cost of car insurance in Kentucky per month?
Credit Karma discovered that Kentucky has the lowest cost car insurance starting at $75 and ending up at $200 based on our Kentucky driver profile. Your driving record, age, gender, car type, and policy purchased will all impact the cost of your car insurance premium. Other discounts may be available for certain safety features, bundling multiple policies, or being a safe driver.
Kentucky car insurance is mandatory.
Kentucky requires that drivers have car insurance. There are a few exceptions. Kentucky college students can keep their out-of state insurance if they have a Kentucky student ID card. You can register a vehicle in Kentucky with out-of-state insurance for active-duty military personnel.
Does Kentucky have a law against having car insurance?
Kentucky makes it illegal to drive a vehicle without insurance. The state will revoke the registration of drivers who do not have auto insurance. They could also face a $500-$1,000 fine, up to 90 days imprisonment, or both.
Methodology
Based on a profile of a driver aged 36-45 who lives in Kentucky, the estimated rates for this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value between $20,000 and $30,000. Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as your age, driving habits, and past.
Full coverage car insurance covers bodily injury, property, collision, and comprehensive coverages. Kentucky’s 25/50/25 insurance policy is included in the average monthly premium for minimum-state car insurance.