Best Car Insurance in Frankfort 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Frankfort.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 24, 2021Chevrolet Silverado K1500 LT4060122Progressive$202/mo.$94/mo.
May 30, 2021Ford Focus SEL4060151Bristol West$247/mo.$101/mo.
March 30, 2021Nissan Rogue S4060150Progressive$247/mo.$102/mo.
October 9, 2021Buick Encore Preferred4060121ClearCover$190/mo.$104/mo.
April 27, 2021Ford Mustang4060124Progressive$180/mo.$139/mo.
Here’s more information about what impacts the insurance rates in your Frankfort.

How much does car insurance cost in Frankfort?

Car insurance in Frankfort, Kentucky costs single-car drivers an average of $2,674 annually, or about $223 per month. Compared to the state annual average of $2,960, auto insurance in Frankfort is $285 lower lower.
Frankfort is best known for its horse farms, bourbon, and proximity to both Louisville and Lexington. This state capitol along the Kentucky River is also the final resting place of Daniel Boone. For living residents, Frankfort offers a country way of life, combined with easy access to bigger cities.
If you live in Frankfort and want to explore all that Kentucky has to offer, you’re going to need the right car insurance coverage to keep your vehicle protected.
That’s where the Jerry app can help you. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
Here’s what you need to know about car insurance in Kentucky’s state capital.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
FrankfortNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Frankfort

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Some of the most popular insurance carriers in Frankfort include State Farm, Progressive, and GEICO. Kentucky Farm Bureau Insurance is also popular, as well as USAA for those who are affiliated with the military.
The best choice for you will depend on your demographics, driving history, and more.
Here’s what drivers pay with some of the most popular insurance providers in Frankfort before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,925$773Compare Prices
Progressive$2,054$668Compare Prices
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What kind of car insurance you need in Frankfort

In Frankfort, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Kentucky, drivers are required to carry liability insurance with at least the following coverage levels:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Although liability coverage will protect others if you get into an at-fault accident, it won’t protect your vehicle. That’s why it’s usually beneficial to buy more than the minimum required insurance.
Here are some additional types of coverage that would benefit Frankfort drivers:
FactorRecommended coverageDescription
TrafficCollision insuranceCollision insurance covers damages to your vehicle incurred due to a collision with another vehicle or stationary object.
Severe weatherComprehensive insuranceComprehensive insurance covers physical damage to your car from extreme weather events, like severe storms or tornadoes.
Uninsured driversUninsured motorist coverageAround 14% of drivers in Kentucky lack insurance. Uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.
Rural roadsRoadside assistanceIf your car breaks down on the outskirts of town, this coverage will pay for towing, tire changes, battery jumpstarts, and more.

What determines your car insurance cost in Frankfort

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Frankfort, you could be paying as much as $65 more per month than an adult driver. These are average rates for Jerry customers in Frankfort broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Frankfort with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,752$843
Failure to Obey Traffic Sign$3,852$2,213
Speeding under 15$3,324$472
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Where in Frankfort you live

It may seem like insurance rates in Frankfort should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Frankfort, residents of -- will have the most expensive car insurance rates, while people who live in 40601 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Frankfort:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 2, 202140601Chevrolet Monte Carlo LSKY27AAA$144/mo.$74/mo.
July 19, 202140601Toyota Corolla VEKY36Bristol West$140/mo.$74/mo.
October 9, 202140601Buick Encore PreferredKY21ClearCover$190/mo.$104/mo.
September 23, 202140601Chevrolet Impala LSKY44Safeco$210/mo.$109/mo.
September 5, 202140601Jeep Cherokee LatitudeKY29Travelers$310/mo.$209/mo.
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Why is car insurance in Frankfort so expensive?

A variety of considerations determine baseline car insurance rates in Frankfort. Insurance companies often consider the following:
Insurance companies take a number of things into consideration when setting your car insurance rates, like your demographics, credit score, and driving history. But here are some factors that are specific to Frankfort drivers.

High crime rate

The theft rate is relatively high in Frankfort, which is a major red flag for insurance companies. You may see your insurance rates increase to make up for the higher likelihood of car theft or vandalism in your city.

High number of uninsured drivers

Approximately 14% of Kentucky drivers hit the road without car insurance. Unfortunately, this adds a financial burden to insured drivers, since insurance companies want to account for that increased risk by raising their rates.

How can you save money on car insurance in Frankfort?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you want to save money on car insurance, be sure to ask your provider about any available discounts. Many companies offer discounts based on the driver, the vehicle, or the policy, and you may even be eligible for multiple discounts.
Here are some common discounts available with insurance carriers in Frankfort:
Multi-policyBundling multiple insurance policies with the same provider (like home, auto, or renters insurance) could get you a discounted rate on each one.
Defensive drivingTaking a state-approved defensive driving course makes you a better driver and can result in discounted premiums.
Good studentFull-time students under the age of 25 who maintain at least a B average can often find savings on their car insurance policy.
Accident-freeIf you’ve driven without getting into an accident for at least three to five years, you’re likely eligible for a discount on your policy.
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