Find the Best Car Insurance Quotes and Options in Kentucky
The average cost of car insurance in Kentucky is $1,341 per year. That makes car insurance costs in Kentucky very close to the national average of $1,311 per year. However, everyone’s car insurance rates will be different, based on where they live and their personal characteristics.
What’s more, it’s important to purchase sufficient coverage so that if you have to file a claim, your policy will cover it. While this can cost more, it can make a huge difference when you need it most.
An independent insurance agent can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Kentucky.
Best Car Insurance Companies in Kentucky
You can purchase car insurance in Kentucky from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Kentucky to help you get started. Perhaps one of these top carriers will be the best for your needs.
- Best Kentucky Car Insurance Company Overall: USAA
- Best Kentucky Car Insurance Company for Minimum Liability: Kentucky Farm Bureau
- Best Kentucky Car Insurance Company for Full Coverage: Nationwide
- Best Kentucky Car Insurance Company for Young Drivers: USAA
- Best Kentucky Car Insurance Company for Accident History: Kentucky Farm Bureau
An independent insurance agent in Kentucky can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Kentucky Car Insurance Company Overall: USAA
Our pick for the best car insurance company in Kentucky overall is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and affordable policies.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an "A++" rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
| Average Monthly Insurance Cost: Car Insurance Policy | Average Annual Insurance Cost: Car Insurance Policy |
| $133 | $1,590 |
Best Kentucky Car Insurance Company for Minimum Liability: Kentucky Farm Bureau
If you’re looking for minimum liability coverage, Kentucky Farm Bureau is a top choice for Kentucky residents. While only available for Farm Bureau members, the company offers several perks, a safe driving app, and numerous discounts. The carrier allows customers to get bare minimum auto insurance at around $454 per year.
Kentucky Farm Bureau was founded in 1919 and is headquartered in Louisville, KY. It offers insurance only to members and carries an "A" ("Excellent") rating from AM Best.
| Average Monthly Insurance Cost: Minimum Liability Policy | Average Annual Insurance Cost: Minimum Liability Policy |
| $38 | $454 |
Best Kentucky Car Insurance Company for Full Coverage: Nationwide
The best car insurance company in Kentucky for full coverage is Nationwide. The insurance company offers affordable full-coverage policies with premiums starting at just $66 per month. It offers broad coverage, numerous discounts, and has an average customer satisfaction rating.
Founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company, Nationwide today is one of the largest insurance and financial services corporations in the world. Nationwide offers a variety of personal and business insurance products. The company is financially stable, earning "A+" ratings from AM Best and Standard & Poor’s.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $66 | $790 |
Best Kentucky Car Insurance Company for Young Drivers: USAA
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for young drivers in Kentucky.
Car insurance for young drivers in Kentucky can cost around $348 per month with USAA. The company also offers a good student discount, so students with good grades can save on their car insurance.
| Average Monthly Insurance Cost: Car Insurance Policy for Young Drivers | Average Annual Insurance Cost: Car Insurance Policy for Young Dri |
| $348 | $4,177 |
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Best Kentucky Car Insurance Company for Accident History: Kentucky Farm Bureau
Your driving record is one of the most important factors in what you pay for car insurance in Kentucky. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
Kentucky drivers with just one recent accident may see their rates increase by an average of 47%. In these cases, Kentucky Farm Bureau again earns a spot on our list of top picks. It is one of the best Kentucky car insurance companies for drivers with an accident history. If you’ve had an at-fault accident, you can get a car insurance policy from Kentucky Farm Bureau (if you’re a member) for about $117 per month.
| Average Monthly Insurance Cost: Poor Driving Records | Average Annual Insurance Cost: Poor Driving Records |
| $117 | $1,404 |
Kentucky Car Insurance Requirements
Drivers in Kentucky must purchase a car insurance policy that meets the state's minimum coverage requirements. In Kentucky, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties.
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Kentucky, you must have this coverage in the amount of $25,000 per person and $50,000 per accident, at a minimum.
- Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued. In Kentucky, you must have this coverage in the amount of at least $25,000 per accident.
A combined single limit of at least $60,000 for both bodily injury liability and property damage liability coverage is also acceptable minimum car insurance according to the state of Kentucky.
- Personal injury protection (PIP): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident. This coverage is required in the amount of $10,000 in Kentucky.
Optional car insurance coverages in Kentucky include:
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Kentucky will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in Kentucky
The average cost of car insurance in Kentucky is $1,341 per year, which is a little more than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on their personal risk factors (e.g., age, gender, accident history, etc.) and the types and amounts of coverage they select. You can find ways to reduce your car insurance costs in Kentucky by taking advantage of discounts that you may be eligible for.
Average Kentucky Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Kentucky. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are at for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
Louisville has far and away the most costly car insurance in Kentucky at an average of $2,133 per year, or $178 per month. But residents of cities like Maysville and Bowling Green pay significantly less for car insurance, at around $801 and $858 per year, respectively.
Finding Car Insurance Discounts in Kentucky
One of the best ways to save on car insurance in Kentucky is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Kentucky include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent in Kentucky can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in Kentucky
Finding the best car insurance quote in Kentucky requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Kentucky can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Kentucky
Filing a car insurance claim in Kentucky is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your Kentucky independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will probably want to evaluate the damage before you seek repairs for your car. That means you’re likely to need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired by a reputable auto body shop or a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent insurance agent in Kentucky can help you through the claims process and answer your questions about how best to file your claim.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto thefts / 1,000 | Annual insurance cost |
| Augusta | 23.2 | 0.88 | $1,203 |
| Bellevue | 20 | 1.22 | $1,313 |
| Bowling Green | 18.1 | 3.65 | $858 |
| Elizabethtown | 18.6 | 2.4 | $1,440 |
| Fisherville | 25.1 | 1.76 | $1,411 |
| Florence | 22.3 | 2.19 | $1,279 |
| Fort Thomas | 19.5 | 0.61 | $1,238 |
| Frankfort | 17.3 | 2.56 | $1,441 |
| Harrodsburg | 20.9 | 1.76 | $1,377 |
| Louisville | 24.8 | 1.75 | $2,133 |
| Maysville | 20.5 | 1.71 | $801 |
| Mount Sterling | 18 | 1.91 | $1,025 |
Popular Questions about Kentucky Car Insurance
The average cost of car insurance in Kentucky is $1,341 per year, or about $112 per month.
Car insurance rates in Kentucky are similar to the national average, but in some areas of the state, it can be quite costly. If you’re paying more than average for your car insurance in Kentucky, there can be a number of reasons why. Car insurance in Kentucky can be expensive in areas where there are high crime rates and frequent severe weather. What’s more, the make and model of your car, your age, and your driving history can all push your car insurance rates upward.
The main purpose of car insurance in Kentucky is to cover medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, these are covered through your bodily injury liability and property damage liability coverage. You can cover some of your own losses with optional uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage.
About 11.5% of drivers in Kentucky are uninsured. Nationwide, the average is 13%, which is slightly higher than you will find in Kentucky.
Vehicle owners in Kentucky must obtain car insurance before operating a vehicle on state roads. If you fail to maintain car insurance, Kentucky’s car insurance laws state that the vehicle registration will be revoked. What’s more, the owner and the driver of an uninsured vehicle are subject to fines and other penalties.
According to state law, all vehicle owners in Kentucky are required to carry minimum liability coverage.
Kentucky is one of several states that follow a modified no-fault car insurance rule when determining who pays for injuries after a car accident. Under typical no-fault rules, each driver files a claim with their own car insurance company to get compensation for medical bills and certain other losses after an accident, regardless of who was at fault for the accident. Drivers cannot file claims against the at-fault driver.
But in Kentucky, vehicle owners may elect to opt out of the no-fault system when purchasing a car insurance policy. Opting out of the no-fault system gives the driver the right to pursue a liability claim or lawsuit against the at-fault driver. This also opens up the policyholder who opts out to being on the receiving end of a lawsuit.
Car insurance in Kentucky usually follows the car, not the driver. Your bodily injury liability, personal injury liability, uninsured motorist, collision, and comprehensive coverage will apply if you lend your car to a friend who then causes an accident.
If the person who borrowed your car causes damage that exceeds your coverage limits, their car insurance policy may act as secondary coverage, but only after your coverage limit has been reached.
The minimum level of car insurance coverage required in Kentucky is as follows:
- $25,000 per person bodily injury liability coverage
- $50,000 per accident bodily injury liability coverage
- $25,000 per accident property damage liability coverage
- $10,000 personal injury protection (PIP)
Having good or bad credit can definitely impact your car insurance rates in Kentucky. Many car insurance companies use your credit score as a factor in determining your future driving risk. While it is not the only factor that is used by these companies, it can pull your ratings significantly in one direction or another.
In Kentucky, having poor credit can increase your car insurance rates by up to 97%.