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Cheapest Car Insurance in Kentucky (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kentucky.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Kentucky

On average, drivers in Kentucky pay an average of $109 per month for liability-only coverage, and $199 per month for full coverage.
Car insurance is a vital shield against unexpected occurrences on the winding roads of the Bluegrass State. But
shopping for car insurance
can be a time-consuming—and intimidating–process. 
Help is here. 
For years, the Jerry Insurance Agency has delivered the most affordable car insurance rates tailored specifically to Kentucky driver’s
car insurance
needs. 
Check out the table below to see real quotes Jerry found for real drivers just like you.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$61
Mazda CX-30
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$241
KIA Forte LX
• State Minimum Liability
• Comp / Collision
Safeco
$67
Hyundai Elantra GLS
• 50,000/100,000 Liability
• Comp / Collision
AAA
$159
Toyota RAV4 LE
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$116
Hyundai Tucson Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

Cheapest car insurance companies in Kentucky

We conducted one of the most extensive nationwide insurance shopping surveys ever, asking policyholders to share their experiences and opinions about their insurance carriers.
Our survey of more than 15,000 policyholders revealed that while
State Farm
,
Progressive
, and Kentucky Farm Bureau may have the largest market share in Kentucky, they aren’t necessarily the best car insurance companies for every driver.
In fact, three companies rose above the rest in our survey respondents’ ratings: Clearcover, MAPFRE, and Dairyland. These smaller insurers offer competitive rates and highly-rated customer service that can edge out big-name insurers like
GEICO
and Allstate for many drivers.
Insurance companyDateCost rating (out of 5)What our customer said:
AAA
July 18, 2024
5
"Very easy sign up. Great service. "
-Mitchell
Allstate
July 15, 2024
5
"Great company! Very friendly and always there to help when I need them! "
-Wayne
Dairyland
July 13, 2024
5
"They gave me a chance to have a cheaper insurance rate and I could not be happier "
-Jesse
Esurance
July 7, 2024
4
"I honestly love having Esurance . I just wish I didn’t have to pay so much each month . Also their DriveSense app can...(read more)"
-Mamie
Plymouth Rock
July 4, 2024
5
"Best lie rate I could get after an ex husband ruined me. "
-Matilda
coverageLast Updated Jul 18, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you're ready to expedite your insurance hunt and streamline your options, then it’s time to sign up for Jerry. Downloading the app, creating a driver profile, and comparing your personalized batch of
free car insurance quotes
takes less than a minute. Whether you're on the busy streets of Louisville or cruising the peaceful roads of rural Kentucky, know that your ideal insurance coverage level is only a few clicks away.

Minimum car insurance requirements for liability and full coverage in Kentucky

Kentucky car insurance law
mandates drivers to maintain minimum liability insurance along with basic
personal injury protection (PIP)
coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.
It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.

Cheapest minimum liability coverage in Kentucky

The average cost of a minimum liability-only policy in Kentucky is approximately $109 per month, or $1,304 per year.
There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is
liability car insurance
, which is referred to as 25/50/10 coverage, breaks down as follows:
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.
Because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form
.
No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available. 
Check out this table to see what different Jerry users paid for different types of coverage:
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Claudia (49 years old)
coverageCoverage
State Minimum
carFord Explorer Limited
$78
per month
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Christina (32 years old)
coverageCoverage
State Minimum
carKIA Forte LX
$241
per month
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Jerome (40 years old)
coverageCoverage
State Minimum
carMercedes-Benz C 300 4matic
$261
per month
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Nettie (27 years old)
coverageCoverage
State Minimum
locationHenderson, KY
carChevrolet Traverse LT
$156
per month
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Gainsco
Addie (40 years old)
coverageCoverage
State Minimum
carHyundai Tucson Limited
$116
per month
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Lina (58 years old)
coverageCoverage
State Minimum
carMazda 6 S
$105
per month

Do you need more than the minimum liability insurance coverage in Kentucky? 

Yes. While $25,000 or $50,000 of liability insurance might sound like a lot, consider the costs that could stem from a car accident: 
  • The average hospital stay following a car accident costs around $60,000
  • The average vehicle on the road today is worth $48,0000
If you’re at fault in an accident and only carry Kentucky’s minimum liability coverage, you may be seriously underinsured—and the other driver can sue you for the remainder (even if they haven’t waived their PIP coverage). What’s more,
Kentucky’s car accident laws
permit drivers to file personal injury lawsuits up to two years after an accident. 
Bottom line: Take a closer look at your car insurance policy and reflect on the potential risks. For the best financial protection, consider upping your coverage limits beyond the state minimums.
Lower my car insurance too!

Cheapest full coverage Kentucky auto insurance quotes

A standard
full coverage car insurance policy
includes liability, collision, and comprehensive coverage.
Collision coverage
insures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.
Comprehensive coverage
covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
Compared to a minimum coverage policy, a full coverage option costs around $199 per month, or $2,392 annually. While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. 
Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
AAA
$261
Mercedes-Benz C 300 4matic
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$67
Hyundai Elantra GLS
• 50,000/100,000 Liability
• Comp / Collision
State Auto
$319
Toyota Camry LE
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$251
Jeep Cherokee Latitude LUX
• State Minimum Liability
• Comp / Collision
Gainsco
$116
Hyundai Tucson Limited
coverageLast Updated Jul 19, 2024

Kentucky car insurance: Additional coverages

Think of your insurance policy as a bluegrass band—each instrument adds its own unique flavor to the melody. Here are some additional coverages that can add extra layers to your insurance jam:
  • Rental reimbursement coverage
    : Your car is off the road for covered repairs, but the show must go on! This coverage will pay for the cost of a rental car to keep your daily gig running smoothly.
  • Towing and labor coverage
    : Sometimes your car misses a beat. For those unexpected breakdowns, towing and labor coverage is your ever-reliable roadie ready to assist.
  • Non-owner car insurance
    : Perfect for regular users of car-sharing services or folks needing temporary coverage, this coverage chimes in to provide liability protection when driving a borrowed or rented vehicle.
  • Gap insurance
    : If your car is declared a total loss, there may be a “gap” between your car’s
    actual cash value
    and the remaining amount on your loan. This coverage steps in to reconcile the difference and retain your financial harmony.
  • Mechanical breakdown insurance (MBI)
    : Just like Earl Scruggs, cars have their share of breakdowns. This insurance helps cover the costs of unexpected repairs or replacements that aren’t related to an accident—which is why it’s best suited to new and high-value vehicles.

Car insurance premium by rating factors

Your car insurance premium isn't just pulled out of a hat. Insurers employ a multifaceted approach, using
several key aspects of your profile
to shape your annual rates. Here's a glimpse behind the curtain:
  • Your road resumé: Insurance companies take a keen interest in your driving past, considering incidents such as accidents, traffic violations, and any previous claims you've made. Better road behavior translates to better rates.
  • Your experience: Age matters, at least in the world of driving. Younger and less-seasoned drivers tend to endure higher insurance rates because they're statistically more likely to be involved in accidents.
  • Your car: Your vehicle's make, model, and age aren't just conversation starters—they also factor into your insurance premiums. If your car is newer or considered luxury, brace yourself for steep insurance costs.

How do different factors impact your car insurance costs in Kentucky?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Kentucky:

How to find cheap Kentucky car insurance if you’re a high-risk driver

A blotch on your driving record doesn't mean the end of affordable car insurance. Yes, a driving violation can dent your insurance rates, but there's a strategy to help you find cost-effective coverage in Kentucky.

Cheapest car insurance for Kentucky drivers with a speeding ticket

A single
Kentucky speeding ticket
can raise the average cost of car insurance by 64%! And that’s not even including the original fine, potential court fees, points on your license, and other serious penalties like a suspended license. And if your need for speed lands you with a
Kentucky reckless driving charge
, you’re looking at even steeper penalties. 
After a speeding ticket, most drivers in Kentucky pay approximately $211 per month for the minimum car insurance—or $2,537 per year.
To combat surging car insurance premiums resulting from a speeding ticket, consider enrolling in a
defensive driving course
and make a pledge to improve your driving habits. You may be pleasantly surprised by the impact these changes can have on your coverage costs. It also doesn’t hurt to shop for the best pricing with Jerry: 
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Nationwide
$60
• State Minimum Liability
Speeding 6-10
Progressive
$60
• 50,000/100,000 Liability
Speeding 11-15
AAA
$290
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Allstate
$203
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
Bristol West
$160
• State Minimum Liability
coverageLast Updated Jul 22, 2024

4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco
Very affordable! I pay about half of what my old insurance tried to charge me for two cars.
Nicole
AAA
They have great pricing and coverage!
Christina
Progressive
Best prices around
Kendra
Bristol West
Great experience and intellectual understanding.
Sebastian

How to find cheap Kentucky auto insurance after a DUI

The aftermath of a
DUI conviction in Kentucky
is far from pleasant, including hefty fines, license suspension, potential jail time, and skyrocketing auto insurance premiums.
Drivers with a DUI on their record pay an average of $154 per month for liability-only coverage in Kentucky, and may face hurdles when applying for car insurance. 
The first step towards reducing your insurance costs and finding affordable coverage is shopping around. Prepare to see a wide range of quotes among insurers and don’t take the first one to come your way. While it may require some patience and effort, securing affordable coverage after a DUI conviction is certainly feasible—and Jerry can lighten the load.
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Daisy (34 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHenderson, KY
carNissan Murano SL
$398
per month
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Lloyd (24 years old)
DUI
coverageCoverage
State Minimum
carHyundai Sonata SE
$66
per month
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Cecilia (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$173
per month
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Minerva (40 years old)
DUI
coverageCoverage
State Minimum
$160
per month
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Clearcover
Olivia (31 years old)
DUI
coverageCoverage
State Minimum
carJeep Cherokee Latitude
$268
per month
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Verna (41 years old)
DUI
coverageCoverage
State Minimum
carFord F150
$150
per month

Kentucky SR-22 insurance

For certain driving offenses such as a DUI, driving without insurance, or racking up multiple traffic violations, many states require filing for SR-22 insurance. Kentucky, however, is one of a few states that don’t specifically require drivers to file an
SR-22 insurance certificate
. Still, you must prove that you meet the minimum state insurance requirements to drive.
Once you’re legally allowed to drive again, you’re not totally off the hook—you can expect your insurance costs to nearly double. Those in Kentucky who are required to carry an SR-22 certificate may face a premium increase of 57%, with rates for minimum coverage climbing from $109 per month to $196 per month. 
After spending some quality time with Jerry shopping the insurance marketplace, however, you will find more affordable options with different insurers. Some even specialize in catering to high-risk drivers!

How to find cheap car insurance in Kentucky after an at-fault accident

Each insurance company has a different way of evaluating risk, making the quest for cheap auto insurance rates somewhat tricky if you have a history of accidents.
Enhance your chances of lowering your insurance rates following an at-fault accident by shopping for the best quotes from multiple insurance companies. Don't settle for the first quote that lands in your inbox. Instead, explore all of your options and choose the one that fits your needs and budget best using the Jerry app, just like these savvy Kentucky drivers:
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$108
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$221
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
AAA
$227
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$186
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
State Auto
$163
• State Minimum Liability
coverageLast Updated Jul 19, 2024

FAQ

Yes—but there’s a catch. Kentucky is actually one of three “choice no-fault states” when it comes to making insurance claims. Under this system, no-fault PIP insurance is automatically included in every car insurance policy, but drivers can choose to reject it in writing. 
If a driver chooses the no-fault system, they’ll generally seek compensation from their own insurance company first, regardless of who caused the accident, and they’ll give up their right to sue for injuries under $1,000. Drivers, however, have the choice to purchase a traditional tort liability policy instead. This option allows drivers to pursue legal action against the at-fault party for additional compensation beyond what their own coverage offers.

Cheapest auto insurance after other violations in Kentucky

Traffic violations don't necessarily equate to sky-high car insurance rates. Even if your driving record has seen better days, you can still land affordable car insurance rates. 
Take a look at the table below to see some other violations and their average premium costs in Kentucky:
Violation
Average monthly premium cost
Illegal turn
$86
Defective equipment
$113
Driving on suspended license
$150
Careless driving
$203
Here are a few examples of low-cost quotes Kentucky drivers were able to secure in spite of a history of traffic violations:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$125
KIA Forte EX
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
AAA
$332
Nissan Juke S
• State Minimum Liability
• Comp / Collision
DUI
Allstate
$259
Chrysler Sebring Limited
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$153
GMC Acadia SLE
• 50,000/100,000 Liability
• Comp / Collision
Illegal Turn
Bristol West
$176
KIA Sorento
• State Minimum Liability
Improper Passing
Clearcover
$78
Ford F250 Super Duty
• State Minimum Liability
Leaving scene of an Accident/Hit and Run
Progressive
$121
Pontiac G5 GT
• State Minimum Liability
Open Container
Progressive
$119
GMC Terrain SLE
• State Minimum Liability
• Comp / Collision
Passing School Bus
Progressive
$181
Honda Odyssey EX
• 50,000/100,000 Liability
Speeding 16-20
State Auto
$427
BMW 330Xi
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Bristol West
$232
Jeep Patriot Sport
• State Minimum Liability
Suspension
AAA
$138
Ford Focus ZXW
• State Minimum Liability
Vehicle Theft
Progressive
$109
Ford Fusion SE
• State Minimum Liability
Unsafe Operation of a Motor Vehicle
National General
$77
Ford Taurus SEL
• 50,000/100,000 Liability
coverageLast Updated Jul 20, 2024

How to find cheap Kentucky car insurance based on your insurance history

Your insurance history is a key player in the game of car insurance rates in Kentucky. Typically, drivers with a lapse in their coverage will see rates rise to around $241 per month, or $2,895 per year.
At Jerry, we know how important it is to maintain car insurance so that even a small
lapse in insurance coverage
doesn’t impact your rates in the future.
If there’s been a break in your coverage, Jerry can help you find a new policy and start off on the right foot. Our automated system sends payment and renewal reminders so you’ll never experience a lapse in coverage again.
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Isabella (42 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carDodge Avenger SE
$211
per month
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Adele (40 years old)
Not Currently Insured
coverageCoverage
State Minimum
carHummer H3
$215
per month
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Lilly (28 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHyundai Sonata SEL
$120
per month
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Clayton (42 years old)
Not Currently Insured
coverageCoverage
State Minimum
carHonda Accord EXL
$74
per month
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Mason (40 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Camry LE
$319
per month
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Clearcover
Milton (33 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carBuick Lucerne CX
$294
per month

How to find cheap Kentucky car insurance with a low credit score

Similar to a coverage lapse, a poor credit score labels you as a financial risk to insurers. Drivers in Kentucky with credit scores below 600 often pay 38% more for car insurance than those with scores of 700+. 
Take a look at the table below to see how your credit score could impact your car insurance rates in Kentucky:
Credit score
Average monthly premium cost
< 600
$215
601-699
$188
700+
$146
Even if your credit history is less than stellar, there are car insurance options out there for drivers of all credit levels. 
Drivers with impressive credit scores of 750 and above may enjoy car insurance discounts of up to 20%. But those with a credit score below 550 needn't lose heart—affordable coverage is still within reach. There are insurance providers who will work with you despite your credit woes, and they’re all just a few screen taps away on the Jerry app.
Check out what these Jerry drivers with different credit scores paid for their car insurance:
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$165
Nissan Kicks S
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$147
Toyota Prius
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Travelers
$327
KIA Stinger Premium
• 50,000/100,000 Liability
• Comp / Collision
< 550
Safeco
$62
Infiniti FX35
• State Minimum Liability
coverageLast Updated Jul 18, 2024

How to find cheap auto insurance in Kentucky for your age

As with young drivers everywhere, those in Kentucky often grapple with higher insurance rates due to their minimal on-road experience. By age 25, however, drivers generally have gathered enough experience to lower their accident risk, leading to a drop in their insurance costs. These rates often remain stable until around age 75, when they may start to climb again.
If you find yourself outside the "prime" age bracket, fear not. You can still find the best rate regardless of your age group!

The best car insurance companies in Kentucky for young drivers

In Kentucky, a lack of experience or credit history doesn't necessarily block the road to affordable car insurance. Many insurance companies offer enticing discount programs tailored to young drivers who are just starting their driving journey.
Teen drivers
between the ages of 16 and 19 are at a higher risk of car accidents, which is why they typically face steeper insurance premiums. On average, drivers under 18 pay around $404 per month for liability-only car insurance, whereas those between 18 and 21 pay approximately $271 per month. When it comes to full coverage, however, these rates climb even more, with teens paying approximately $838 per month, and young drivers paying around $537 per month.
To help young drivers find cheaper car insurance, consider adding them to your existing policy, and take advantage of student discounts.
Similarly, you can lower your costs by using Jerry. Numerous young drivers and their guardians have leveraged Jerry’s help to find the most affordable car insurance rates. And if you’re feeling extra shaky, considering full coverage at this stage can be a wise choice to cover all your bases.
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Edith (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Dart Limited
$248
per month
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Lawrence (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carLexus IS 250
$273
per month
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Delia (24 years old)
coverageCoverage
State Minimum
carChevrolet Malibu LS
$189
per month
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Nettie (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Sonic LT
$285
per month
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Clearcover
Marvin (20 years old)
coverageCoverage
State Minimum
carBuick Verano
$91
per month
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Mattie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carFord Edge Limited
$151
per month

The best car insurance companies for senior drivers in Kentucky

Age can bring about unique driving challenges due to decreased physical abilities or cognitive decline. As a result, insurance companies sometimes levy higher rates on seniors.
Drivers in Kentucky between 55 and 64, on average, pay $107 per month for minimum coverage—but once motorists turn 65, these rates rise again to $114 per month. For full coverage, it’s a similar story: rates for drivers 65+ are approximately $199 per month, which is 5% more than those 55-64.
Nevertheless, several companies in Kentucky aim to provide superior coverage for this particular demographic. Institutions like AARP are dedicated to offering some of the
best car insurance options to seniors
. And no matter your plan, many companies are happy to extend discounts for a good driving record no matter your age.
If you’re struggling to find adequate coverage within your budget, you can always turn to Jerry. We’ll match you with policies that suit your driving habits at prices you can afford.
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Luke (65 years old)
coverageCoverage
State Minimum
carChevrolet Venture
$81
per month
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Amy (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationJackson, KY
carToyota Camry L
$275
per month
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Lura (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carChevrolet Express G1500 3LT
$104
per month
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Lillie (67 years old)
coverageCoverage
State Minimum
carToyota Camry LE
$136
per month
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David (65 years old)
coverageCoverage
State Minimum
carChevrolet Spark 1LT
$191
per month
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Shawn (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Forte LX
$226
per month

4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Allstate
Great company to go through
Wesley
National General
My agent was really nice and helped me through everything. This was actually the best price I had been able to find lately .
Kaitlin
Progressive
So far everything has been good. The policy is affordable too.
Eric
Libertymutual
They were quick, easy to understand and affordable.
Chris

How to find car insurance discounts in Kentucky for your motor vehicle

In Kentucky, your choice of vehicle can have a substantial impact on your car insurance premiums. Your car's repair and replacement costs, its appeal to thieves, and its safety record all contribute to your insurance costs.
In Kentucky, many drivers favor these five vehicle models, which tend to secure favorable insurance rates:
Vehicle type
Average monthly coverage cost
Ford F-150
$119
$129
$135
$154
$159
To enjoy the cheapest auto insurance coverage in Kentucky, consider vehicles known for their low repair costs, robust security systems, and proven safety records. Insurance companies prize these qualities because they can shrink expensive repair bills, discourage theft, and lower the chances of severe injury claims.
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
RAM 1500 RebelProgressive
$190
• 100,000/300,000 Liability
• Comp / Collision
Toyota RAV4 LENationwide
$154
• State Minimum Liability
• Comp / Collision
Toyota Highlander SESafeco
$109
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 22, 2024

Is it cheaper to insure a new car or a used car?

Generally, it's more expensive to insure newer cars than older ones. The higher replacement cost in the event of an accident and the allure of newer models for thieves contribute to this. Newer models also tend to come with the latest and greatest in technology and features, which can be more costly to repair or replace.
Alternatively, used cars typically have a lower overall value, leading to cheaper insurance premiums as the potential loss to the insurance company is less.
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Theodore (46 years old)
coverageCoverage
State Minimum
locationGrethel, KY
$255
per month
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Manuel (24 years old)
coverageCoverage
State Minimum
$113
per month
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Jimmy (46 years old)
1998 Toyota Corolla VE
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationFlatgap, KY
$152
per month
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Leon (34 years old)
2001 Toyota Camry LE
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCentral City, KY
$94
per month
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Caleb (30 years old)
2003 Chevrolet Tahoe C1500
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRichmond, KY
$125
per month
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Raymond (49 years old)
1993 Chrysler Concorde
coverageCoverage
State Minimum
$144
per month

How to find cheap car insurance in Kentucky in your city

Your exact location in the state of Kentucky can influence your car insurance rates significantly. Residents of bustling cities like
Louisville
or
Lexington
are more likely to pay high premiums than quieter towns like
Bardstown
and
Somerset
.
Differences in insurance costs extend beyond city boundaries. Calculating your exact rate is very complicated—factors like population density, accident rates, crime statistics, and weather patterns in each ZIP code can all impact what you pay to cover your car.
Check out some of the cheapest and most expensive ZIP codes in Kentucky to see how your location can influence your rates:
ZIP codes
Average monthly coverage cost
41838
$25
40007
$27
41064
$28
41080
$29
40806
$30
42765
$292
41257
$294
43247
$296
41544
$314
41729
$359
41660
$545
Fortunately, you don’t need to be a data whiz to estimate your ideal coverage costs. With Jerry’s help, you can confidently enroll in the best plan while keeping your budget intact.
Check out what different drivers across Kansas paid for their car insurance below:
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Shelbyville, KY
Claudia, 49
Progressive
$78
Ford Explorer Limited
• State Minimum Liability
• Comp / Collision
Versailles, KY
Jerome, 40
AAA
$261
Mercedes-Benz C 300 4matic
• State Minimum Liability
• Comp / Collision
Bowling Green, KY
Bernard, 28
Allstate
$120
Hyundai Sonata SEL
• 50,000/100,000 Liability
• Comp / Collision
Louisville, KY
Lilly, 28
Safeco
$147
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
Erlanger, KY
Ricardo, 43
Nationwide
$101
Chevrolet Equinox LT
• 50,000/100,000 Liability
• Comp / Collision
Flatwoods, KY
Addie, 40
Gainsco
$116
Hyundai Tucson Limited
• State Minimum Liability
• Comp / Collision
Louisville, KY
Marvin, 20
Clearcover
$91
Buick Verano
• State Minimum Liability
Radcliff, KY
Sara, 32
Infinity
$194
Dodge Challenger R/T
• State Minimum Liability
Shelbyville, KY
Lina, 58
State Auto
$105
Mazda 6 S
• State Minimum Liability
Louisville, KY
Philip, 29
National General
$82
Volvo S80 2.5T
• State Minimum Liability
Lexington, KY
Dora, 34
The General
$358
GMC Yukon Denali
• State Minimum Liability
• Comp / Collision
Hopkinsville, KY
Rose, 25
Dairyland
$293
Jeep Patriot Sport
• State Minimum Liability
coverageLast Updated Jul 18, 2024

How to lower the cost of car insurance in Kentucky

If the search for cheap car insurance has left you sputtering, don’t call it quits just yet. The Jerry app is here to help you push through to the finish line. Check out some of the top tips curated by company experts:
  1. Shop savvy: Car insurance rates are as varied as Kentucky's landscape. Let Jerry be your guide, helping you compare quotes from various companies with ease.
  2. Bundle wisely: If you have multiple insurance needs (like homeowners, renters, or life insurance), combining these with one provider can lead to significant savings.
  3. Drive well: A clean driving record goes a long way. Good drivers can save on car insurance costs by avoiding accidents and traffic violations.
  4. Drive smart: Completing a certified defensive driving course can not only make you a safe driver— it can also result in insurance discounts.
  5. Drive safely: Vehicles equipped with safety features such as anti-lock brakes, airbags, anti-theft devices, and dash cams often qualify for discounts.
  6. Adjust accordingly: Review your coverage every six to 12 months to ensure it still suits your needs and budget. Simply updating your driver profile could lead to a policy that affords you much better rates, discounts, and other financial perks.

Why is car insurance so expensive in Kentucky?

The cost of car insurance in Kentucky might seem expensive, especially as inflation is on the rise around the world. Aside from the increasing price of goods and services across industries worldwide, several other factors can contribute to steep insurance rates in Kentucky, including:
  • High population density
  • Significant numbers of uninsured drivers
  • Frequent occurrences of natural disasters and extreme weather events
  • Car theft rates and crime

FAQs

Who offers the best cheap car insurance in Kentucky?

Every driver's needs are unique. The best way to find budget-friendly car insurance in Kentucky is to compare quotes from multiple carriers, and Jerry makes this process seamless and easy.

Do you have to have car insurance in Kentucky?

Yes. Kentucky law requires drivers to carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $10,000 in property damage liability coverage. The state also requires Personal Injury Protection (PIP) coverage.

Does insurance follow the car or the driver in Kentucky?

In Kentucky,
insurance typically follows the car,
not the driver. So if someone borrows your vehicle and causes an accident, your insurance policy will be the one to respond.

Can you have out-of-state car insurance in Kentucky?

Not forever. According to Kentucky statute KRS 186.020, a person who brings a motor vehicle into the Commonwealth of Kentucky shall apply for registration within 15 days in the county where the person resides. Furthermore, if your registration is active, you must maintain insurance on that vehicle.
5
Exceptions usually apply to college students and military members that are stationed out of state. If you’re a military member, a
USAA insurance policy
could offer specific benefits.

Is PIP required in Kentucky?

Yes, personal injury protection (PIP) is mandatory for all motor vehicles (except motorcycles) in Kentucky—but you can waive the coverage by filing a rejection form with the state Department of Insurance.

Can you have both PIP and MedPay in Kentucky?

Yes, you can technically have both PIP and MedPay in Kentucky. However, since PIP covers both medical bills and lost wages after a car accident, it's typically seen as the more comprehensive option for auto insurance. 
Additionally, while PIP coverage is mandated for car insurance in the state, MedPay is more commonly used in homeowners and premise liability insurance policies in Kentucky.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.