Cheapest Insurance in Kentucky 2021

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  • Find cheapest car insurance Kentucky
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Kentucky tends to be on the expensive side when it comes to car insurance rates, due mainly to higher-than-average vehicle fatality rates. If you’re looking for the cheapest insurance in the state, you’ll want to compare multiple quotes.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Kentucky. And if you want to learn more about car insurance rates in Kentucky, keep reading.
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Find the cheapest car insurance in Kentucky with Jerry

Shopping around is definitely the easiest way to make sure you’re getting the best rate. And there’s no better way to do it than by using Jerry to compare quotes and switch policies.
Here’s how much Jerry customers were paying for car insurance in Kentucky before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Kentucky with Jerry

Insurance Company
Before Jerry
After Jerry
ClearCover
$2,064$1,297
Nationwide$2,802$1,638
Progressive$2,687$1,831
Allstate$3,267$1,832
Bristol West
$3,007$1,863
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Kentucky.

Cheapest minimum coverage car insurance in Kentucky

The minimum required insurance coverage varies depending on your state laws. In Kentucky, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Kentucky:
Before Jerry
After Jerry
$2,689$1,626
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Additional coverages you might want to consider when shopping for car insurance in Kentucky

Risk factorCoverage to consider
High accident rateCollision coverage protects your vehicle. It covers the cost of repairs for any damage that may be incurred as the result of an accident with another driver.
TornadoesComprehensive insurance covers damage to your car that is the result of severe weather, such as a tornado.
While minimum liability insurance is enough to hit the road in Kentucky, purchasing additional coverage to protect you against state-specific risks like high accident rates and tornadoes is usually a good idea.

Best carriers for minimum coverage car insurance in Kentucky

If you’re caught driving without insurance in Kentucky, you could face some serious penalties. Fines range from $500 to $2,500 plus reinstatement and court fees. You’ll also have your license and registration suspended for a certain period and you could face up to 180 days in prison.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Kentucky:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,745$1,305
Allstate$3,046$1,505
Progressive$2,605$1,636
State Auto
$2,400$2,240
Safeco$4,615$3,345

Cheapest full coverage car insurance in Kentucky

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,887$2,840
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Best carriers for full coverage car insurance in Kentucky

Getting quotes from multiple insurers can help make sure that you get the most affordable rate for the coverage you need. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Kentucky:
Insurance Company
Before Jerry
After Jerry
Kemper
$3,411$2,211
Travelers$3,967$2,419
Progressive$3,840$3,010
Safeco$3,870$3,219
Allstate$3,538$3,304
State Auto
$4,775$4,420
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Kentucky by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Kentucky is actually the deadliest state for teen drivers, according to data from the National Highway Traffic Safety Administration. The state has the highest average when it comes to annual fatalities per 10,000 licensed drivers ages 19 and younger at 3.47 per year.
It sounds shocking, but Kentucky teenagers are 140% more likely to die in a car crash than the average American teen.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,894$2,048
21-24$2,736$1,770
25-34$2,452$1,570
35-44$2,478$1,607
45-54$2,531$1,656
55-64$2,214$1,373
65+$2,378$1,572
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Cost of insurance for drivers in Kentucky with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
While the accompanying points only remain on your driving record for two years, the violation itself stays put for five years. Insurers check this history when they quote or reassess your premiums and will consider you a high-risk driver.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,871$1,946
Driving on Sus. License$1,776$1,008
DUI$2,421$1,686
Speeding under 15$3,049$1,990
Failure to Obey Traffic Sign$2,886$2,012
Careless Driving$3,150$2,095
Speeding over 15$3,657$2,339
Leaving scene of an Accident/Hit and Run$3,564$2,468
Illegal Turn$3,057$2,574
Other$3,296$2,124

Best carriers for drivers with infractions in Kentucky

Insurance Company
Before Jerry
After Jerry
Allstate$3,403$1,968
Nationwide$3,330$1,989
Progressive$2,969$2,021
Travelers$3,210$2,295
Kemper
$3,029$2,528
Safeco$3,864$2,785
State Auto
$3,587$2,853
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Cost of insurance for young drivers in Kentucky with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,321$2,324
Failure to Obey Traffic Sign$2,703$1,878
DUI$3,064$2,041
Speeding over 15$3,264$2,423
Illegal Turn$3,084$2,476
Speeding under 15$3,655$2,569
Careless Driving$5,122$3,727
Leaving scene of an Accident/Hit and Run$5,112$4,068
Other$3,562$2,283
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Kentucky, check out these top carriers.

Best carriers for young drivers with infractions in Kentucky

Insurance Company
Before Jerry
After Jerry
Allstate$3,383$1,997
Travelers$3,116$2,468
Progressive$3,614$2,551
Safeco$4,256$3,102
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Kentucky

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Kentucky.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Defensive driving discountDrivers who are 55 and older and complete a defensive driving course approved by the state are eligible for insurance discounts.
Driving training discountYoung drivers under the age of 21 who complete a driver training course may be eligible for discounted premiums.
Multi-line discountIf you insure multiple products with the same insurance company, you’ll often be able to receive a reduction on each one.
Senior discountDrivers over the age of 65 may qualify for a reduced personal injury protection premium if there are no drivers under the age of 25 on the policy.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Kentucky?

Vehicles like the Ford F-150 and Toyota Camry are popular among drivers in the bluegrass state. They’re also some of the most affordable vehicles to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura MDX$2,088$1,524
Audi A6 Premium Plus$3,540$3,240
BMW 128 I$1,536$1,032
Buick Enclave CXL$1,956$1,128
Buick Envision Preferred$2,652$1,632
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Cheapest car insurance in Kentucky by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Kentucky has higher than average traffic fatalities, including among teen drivers, making insurance there more expensive than you might expect. The state also experiences some severe weather (namely tornadoes) that increase rares.
That said, rates vary within Kentucky depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Kentucky:
City
Before Jerry
After Jerry
Berea$2,503$1,603
Cave City$2,507$1,824
Fort Campbell$4,379$2,513
Frankfort$2,570$1,759
Georgetown$2,750$1,880
Lexington$2,627$1,811
Louisville$3,674$2,612
Maysville$3,240$2,784
Murray$3,212$1,856
Nicholasville$3,151$2,312

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

Browse questions from our car experts

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