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Best & Cheapest Kentucky Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
207 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.49 ★★★★★
58 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

When you’re deciding which Kentucky car insurance company to protect your car in the event of an accident, you’ll want to make sure you’re going with the best option for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Kentucky. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Kentucky car insurance companies.

In the table above, you can sort through all the Kentucky car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Kentucky car insurance rankings.

Interested in learning more about one of these Kentucky car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Kentucky?

Out of the five most popular car insurance companies in Kentucky, both male and female Kentucky teens can find the cheapest car insurance from Kentucky Farm Bureau on average.

Company Female teen rates Male teen rates
Allstate Insurance $3,631 $4,093
Geico $2,124 $1,965
Kentucky Farm Bureau $1,305 $1,189
Progressive $4,503 $4,863
State Farm Insurance Company $1,344 $1,543

These rates are based on profiles for 18-year-old male and female drivers in Kentucky. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Kentucky?

Geico offers the cheapest car insurance rates for married couples in Kentucky on average out of the five largest insurers in the state. The table below displays Kentucky car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $2,231
Geico $1,419
Kentucky Farm Bureau $1,745
Progressive $2,374
State Farm Insurance Company $2,241

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Kentucky?

Geico provides the cheapest car insurance rates for male and female senior drivers on average when compared with the other largest companies in Kentucky.

Company Female senior rates Male senior rates
Allstate Insurance $1,513 $1,608
Geico $905 $905
Kentucky Farm Bureau $973 $973
Progressive $1,390 $1,418
State Farm Insurance Company $1,024 $1,024

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Kentucky for car insurance

While there are many factors that help determine your car insurance rates, it’s important to know that the area you live in affects your rates. The cheapest area in Kentucky for car insurance on average is the city of Owensboro. In the table below, you can see the top 10 cheapest areas in Kentucky for car insurance based on average rates for a single adult.

Area Car insurance rates
Owensboro $1,227
Maceo $1,250
Fort Thomas $1,253
Utica $1,253
Philpot $1,257
Silver Grove $1,279
Erlanger $1,280
Dayton $1,282
Bellevue $1,283
Alvaton $1,285

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Kentucky for car insurance

Some areas in Kentucky can be more expensive for car insurance than others if there is more crime or car accidents that tend to happen in your area. On average, the most expensive area in Kentucky for car insurance is the area of Saul followed closely by the Goose Rock area. The table below displays the top 10 most expensive areas in Kentucky for car insurance based on average rates for a single adult.

Area Car insurance rates
Saul $2,457
Goose Rock $2,429
Waneta $2,408
Hoskinston $2,394
Saint Helens $2,387
Lone $2,387
Lookout $2,357
Gray Hawk $2,346
Dema $2,291
Raven $2,288

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Kentucky

If you’ve ever had car insurance in Kentucky, you’ve likely heard the term “no-fault insurance.” But what exactly does it mean? No-fault insurance covers injury-related expenses for you and your passengers if you're injured in a car accident, regardless of who caused the accident. It’s also referred to as personal injury protection (PIP).

The advantage to no-fault insurance is that you don’t have to wait on the other driver’s insurance company to pay if you are injured in an accident caused by another driver. However, your ability to sue another driver is limited to situations that meet a certain threshold. The thresholds are $1,000 in medical expenses, a broken bone, permanent disfigurement, permanent injury or death, according to Kentucky’s state insurance website.

The other required coverage in Kentucky is liability insurance. The minimum limits required by the state are outlined below, but it’s important to consider purchasing higher limits so that you and your assets are protected in the event of a costly accident.

Optional coverages in Kentucky include collision insurance and comprehensive insurance, which protect your vehicle in accidents or from other things, such as natural disasters or theft. You can learn more about different car insurance coverages and what the limits mean here.

Kentucky state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Personal injury protection:

  • $10,000 per person

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Personal injury protection provides coverage for any medical expenses or income loss that result from a car accident. It also provides coverage, up to the policy’s limits, for family members in the vehicle and for a few other situations.

Kentucky’s uninsured motorist percentage

Another optional auto insurance coverage in Kentucky is uninsured and underinsured motorist coverage. This offers you protection against drivers who don’t have insurance or drivers who don’t have high enough limits to pay you in a claim. In Kentucky, 11.5 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. That is the 26th highest percentage of any state.

How car insurance rates are calculated in Kentucky

When searching and comparing quotes from the best auto insurance companies in Kentucky, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Kentucky

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Kentucky car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Kentucky

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.