The Cheapest Car Insurance in Kentucky for July 2024
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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
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 Auto-Owners at $1,556 per year on average, or $130 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 $2,394 per year, or about $200 per month.
Did your rates go up? Auto insurance prices are on the rise in Kentucky. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Kentucky is $666 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 $211 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.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 2021 Toyota Camry LE. 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:
- Auto-Owners: $3,328 per year, or about $277 per month.
- Shelter: $3,339 per year, or about $278 per month.
- Encova: $3,608 per year, or about $301 per month.
- Cincinnati Insurance: $3,834 per year, or about $320 per month.
- Progressive: $3,861 per year, or about $322 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: $584 per year, or about $49 per month.
- Encova: $778 per year, or about $65 per month.
- Cincinnati Insurance: $996 per year, or about $83 per month.
- Auto-Owners: $1,132 per year, or about $94 per month.
- Electric Insurance: $1,248 per year, or about $104 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:
- Cincinnati Insurance: $1,539 per year, or about $128 per month.
- Kentucky Farm Bureau: $1,790 per year, or about $149 per month.
- Encova: $1,961 per year, or about $163 per month.
- Geico: $2,375 per year, or about $198 per month.
- Progressive: $2,435 per year, or about $203 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: $584 per year, or about $49 per month.
- Encova: $818 per year, or about $68 per month.
- Cincinnati Insurance: $1,183 per year, or about $99 per month.
- Shelter: $1,268 per year, or about $106 per month.
- Electric Insurance: $1,287 per year, or about $107 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: $708 per year, or about $59 per month.
- Encova: $890 per year, or about $74 per month.
- Electric Insurance: $1,313 per year, or about $109 per month.
- Auto-Owners: $1,688 per year, or about $141 per month.
- Shelter: $1,712 per year, or about $143 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.
- Encova: $1,243 per year, or about $104 per month.
- Kentucky Farm Bureau: $1,460 per year, or about $122 per month.
- Progressive: $1,602 per year, or about $134 per month.
- Shelter: $2,016 per year, or about $168 per month.
- Geico: $2,062 per year, or about $172 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:
- Auto-Owners: $1,586 per year, or about $132 per month.
- Encova: $1,609 per year, or about $134 per month.
- Kentucky Farm Bureau: $1,680 per year, or about $140 per month.
- Shelter: $1,839 per year, or about $153 per month.
- Progressive: $1,876 per year, or about $156 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: $211 per year, or about $18 per month.
- Encova: $312 per year, or about $26 per month.
- Cincinnati Insurance: $400 per year, or about $33 per month.
- Auto-Owners: $450 per year, or about $38 per month.
- Westfield: $510 per year, or about $43 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:
- Grange: $2,843 per year, or about $237 per month.
- Cincinnati Insurance: $3,291 per year, or about $274 per month.
- Encova: $3,429 per year, or about $286 per month.
- Progressive: $3,434 per year, or about $286 per month.
- Nationwide: $3,508 per year, or about $292 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: $211 per year, or about $18 per month.
- Encova: $358 per year, or about $30 per month.
- Cincinnati Insurance: $478 per year, or about $40 per month.
- Westfield: $613 per year, or about $51 per month.
- Electric Insurance: $638 per year, or about $53 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:
- Encova: $2,096 per year, or about $175 per month.
- Auto-Owners: $2,125 per year, or about $177 per month.
- Kentucky Farm Bureau: $2,199 per year, or about $183 per month.
- Shelter: $2,305 per year, or about $192 per month.
- Electric Insurance: $2,612 per year, or about $218 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.
- Progressive: $2,282 per year, or about $190 per month.
- Shelter: $2,643 per year, or about $220 per month.
- Auto-Owners: $3,480 per year, or about $290 per month.
- Encova: $3,627 per year, or about $302 per month.
- Grange: $3,704 per year, or about $309 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:
- Shelter: $1,548 per year, or about $129 per month.
- Auto-Owners: $1,557 per year, or about $130 per month.
- Encova: $1,609 per year, or about $134 per month.
- Progressive: $1,636 per year, or about $136 per month.
- Kentucky Farm Bureau: $1,638 per year, or about $137 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: $204 per year, or about $17 per month.
- Encova: $312 per year, or about $26 per month.
- Cincinnati Insurance: $359 per year, or about $30 per month.
- Auto-Owners: $439 per year, or about $37 per month.
- Electric Insurance: $484 per year, or about $40 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:
- Grange: $2,805 per year, or about $234 per month.
- Progressive: $2,963 per year, or about $247 per month.
- Cincinnati Insurance: $3,033 per year, or about $253 per month.
- Encova: $3,429 per year, or about $286 per month.
- Nationwide: $3,440 per year, or about $287 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: $204 per year, or about $17 per month.
- Encova: $358 per year, or about $30 per month.
- Cincinnati Insurance: $425 per year, or about $35 per month.
- Electric Insurance: $520 per year, or about $43 per month.
- Shelter: $535 per year, or about $45 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:
- Shelter: $1,934 per year, or about $161 per month.
- Auto-Owners: $2,083 per year, or about $174 per month.
- Encova: $2,096 per year, or about $175 per month.
- Kentucky Farm Bureau: $2,140 per year, or about $178 per month.
- Electric Insurance: $2,287 per year, or about $191 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.
- Progressive: $2,062 per year, or about $172 per month.
- Shelter: $2,212 per year, or about $184 per month.
- Auto-Owners: $3,409 per year, or about $284 per month.
- Encova: $3,627 per year, or about $302 per month.
- Grange: $3,655 per year, or about $305 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:
- Shelter: $1,371 per year, or about $114 per month.
- Kentucky Farm Bureau: $1,374 per year, or about $115 per month.
- Auto-Owners: $1,479 per year, or about $123 per month.
- Progressive: $1,495 per year, or about $125 per month.
- Encova: $1,665 per year, or about $139 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: $174 per year, or about $15 per month.
- Cincinnati Insurance: $312 per year, or about $26 per month.
- Encova: $327 per year, or about $27 per month.
- Auto-Owners: $405 per year, or about $34 per month.
- Electric Insurance: $443 per year, or about $37 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:
- Grange: $2,564 per year, or about $214 per month.
- Progressive: $2,685 per year, or about $224 per month.
- Cincinnati Insurance: $2,687 per year, or about $224 per month.
- Nationwide: $3,243 per year, or about $270 per month.
- Encova: $3,570 per year, or about $298 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: $174 per year, or about $15 per month.
- Cincinnati Insurance: $372 per year, or about $31 per month.
- Encova: $373 per year, or about $31 per month.
- Shelter: $464 per year, or about $39 per month.
- Electric Insurance: $478 per year, or about $40 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:
- Shelter: $1,697 per year, or about $141 per month.
- Kentucky Farm Bureau: $1,789 per year, or about $149 per month.
- Auto-Owners: $1,971 per year, or about $164 per month.
- Electric Insurance: $2,058 per year, or about $172 per month.
- Encova: $2,151 per year, or about $179 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.
- Shelter: $1,921 per year, or about $160 per month.
- Progressive: $1,931 per year, or about $161 per month.
- Kentucky Farm Bureau: $3,005 per year, or about $250 per month.
- Auto-Owners: $3,213 per year, or about $268 per month.
- Grange: $3,337 per year, or about $278 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:
- Shelter: $1,326 per year, or about $111 per month.
- Kentucky Farm Bureau: $1,374 per year, or about $115 per month.
- Progressive: $1,444 per year, or about $120 per month.
- Auto-Owners: $1,447 per year, or about $121 per month.
- Cincinnati Insurance: $1,563 per year, or about $130 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: $174 per year, or about $15 per month.
- Cincinnati Insurance: $290 per year, or about $24 per month.
- Encova: $338 per year, or about $28 per month.
- Auto-Owners: $394 per year, or about $33 per month.
- Electric Insurance: $427 per year, or about $36 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:
- Cincinnati Insurance: $2,457 per year, or about $205 per month.
- Grange: $2,482 per year, or about $207 per month.
- Progressive: $2,571 per year, or about $214 per month.
- Nationwide: $2,996 per year, or about $250 per month.
- Westfield: $3,554 per year, or about $296 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: $174 per year, or about $15 per month.
- Cincinnati Insurance: $347 per year, or about $29 per month.
- Encova: $384 per year, or about $32 per month.
- Shelter: $448 per year, or about $37 per month.
- Electric Insurance: $462 per year, or about $39 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:
- Shelter: $1,638 per year, or about $136 per month.
- Kentucky Farm Bureau: $1,789 per year, or about $149 per month.
- Auto-Owners: $1,929 per year, or about $161 per month.
- Electric Insurance: $1,971 per year, or about $164 per month.
- Encova: $2,193 per year, or about $183 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.
- Shelter: $1,852 per year, or about $154 per month.
- Progressive: $1,880 per year, or about $157 per month.
- Kentucky Farm Bureau: $3,005 per year, or about $250 per month.
- Auto-Owners: $3,145 per year, or about $262 per month.
- Grange: $3,228 per year, or about $269 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:
- Shelter: $1,458 per year, or about $122 per month.
- Kentucky Farm Bureau: $1,463 per year, or about $122 per month.
- Progressive: $1,585 per year, or about $132 per month.
- Auto-Owners: $1,667 per year, or about $139 per month.
- Encova: $1,770 per year, or about $148 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: $231 per year, or about $19 per month.
- Encova: $362 per year, or about $30 per month.
- Cincinnati Insurance: $429 per year, or about $36 per month.
- Auto-Owners: $492 per year, or about $41 per month.
- Westfield: $496 per year, or about $41 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:
- Grange: $2,688 per year, or about $224 per month.
- Progressive: $2,791 per year, or about $233 per month.
- Cincinnati Insurance: $2,856 per year, or about $238 per month.
- Nationwide: $3,408 per year, or about $284 per month.
- Encova: $3,836 per year, or about $320 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: $231 per year, or about $19 per month.
- Encova: $408 per year, or about $34 per month.
- Shelter: $499 per year, or about $42 per month.
- Cincinnati Insurance: $512 per year, or about $43 per month.
- Electric Insurance: $554 per year, or about $46 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:
- Shelter: $1,808 per year, or about $151 per month.
- Kentucky Farm Bureau: $1,900 per year, or about $158 per month.
- Electric Insurance: $2,137 per year, or about $178 per month.
- Encova: $2,260 per year, or about $188 per month.
- Auto-Owners: $2,261 per year, or about $188 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.
- Shelter: $2,063 per year, or about $172 per month.
- Progressive: $2,073 per year, or about $173 per month.
- Kentucky Farm Bureau: $3,231 per year, or about $269 per month.
- Grange: $3,528 per year, or about $294 per month.
- Auto-Owners: $3,747 per year, or about $312 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 67 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...
