Drivers in Kentucky need to stay on top of their vehicle coverage. Insurance is mandatory in Kentucky and carriers must submit an updated list of insured drivers to the state. If you get a notice to provide proof of insurance and don’t respond with evidence in 30 days, your car registration will be canceled.
Before you sign up for coverage, take a look at the best car insurance companies in Kentucky. They offer an ample variety of coverages and discounts, digital tools to make transactions easier and even options with local expertise. Some of the top picks for Kentucky are also part of our national list of best car insurance companies.
The 4 Best Auto Insurance Companies in Kentucky
Compare the Top Car Insurance Companies in Kentucky
| Average Price for State Minimum* | Average Price for Full Coverage* | A.M Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Progressive | $926 | $2,150 | A+ | 828 | |
| Pin Allstate | $1,036 | $3,515 | A+ | 838 | |
| Pin State Farm | $477 | $1,540 | A++ | 856 | |
| Pin Kentucky Farm Bureau | $397 | $1,754 | A | 866 |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.
Best for Discounts
Why we chose it
Why we chose it
Pros
- Work backwards using Name Your Price to set a budget
- Long list of discounts
Cons
- No accident forgiveness available
- Low claims satisfaction ratings from J.D. Power
- Below-average customer satisfaction
Types of Coverage Offered
- Custom parts and equipment
- Deductible savings bank
- Gap insurance
- Rideshare
- Rental car reimbursement
- SR-22
Discounts Available
- Automatic payments
- Continuous insurance
- Distant student
- Good student
- Insurance bundles
- Multi-vehicle
- Online quote
- Paperless billing
- Pay in full
- Snapshot® safe driver program
- Teen driver
More Progressive Insurance Reviews
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Rideshare coverage
- Coverage for expensive vehicle upgrades such as high-end sounds systems
- Claims-satisfaction guarantee
Cons
- Claims can’t be filed through the mobile app
- Lower than average customer satisfaction
Types of Coverage Offered
- Classic cars
- Collision and comprehensive
- Rental reimbursement
- Roadside coverage
- Sound system insurance
- Uninsured and underinsured motorist coverage
Discounts Available
- Anti-lock brakes
- Anti-theft devices
- Automatic payments
- Multi-policy
- New car
- Paperless
- Pay-in-full
- Responsible payer
- Safe driver
- Smart student
More Allstate Insurance Reviews
Best Mobile App and Web Tools
Why we chose it
Why we chose it
Pros
- You can file claims through the full-featured mobile app
- Large library of tutorials and articles on insurance
- The largest insurance carrier in the country
Cons
- Insurance coverage options limited to the basics
Types of Coverage Offered
- Collision and comprehensive
- Property damage
- Rental car and travel expenses
- Rideshare
- Roadside assistance
- Uninsured/underinsured motorist
Discounts Available
- Accident-free
- Anti-theft devices
- Defensive driving course
- Drive Safe & Save app
- Driving training
- Good driver
- Good student
- Multi-car
- Multi-policy
- Passive restraint system
- Steer Clear app
- Student away at school
More State Farm Insurance Reviews
Best for Farmers
Why we chose it
Why we chose it
Pros
- A comprehensive list of auto insurance coverage
- Personal attention from a local agent
- Discounts on a variety of other services and purchases
Cons
- Membership required
- $35 annual membership fee
- Small, regional carrier
Types of Coverage Offered
- Collision and comprehensive
- Property damage
- Rental car and travel expenses
- Rideshare
- Roadside assistance
- Uninsured/underinsured motorist
Discounts Available
- Accident-free
- Anti-theft devices
- Defensive driving course
- Drive Safe & Save app
- Driving training
- Good driver
- Good student
- Multi-car
- Multi-policy
- Passive restraint system
- Steer Clear app
- Student away at school
* Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Kentucky
Drivers in the U.S. pay an average of $1,674 per year for full coverage car insurance, according to 2021 data from Bankrate.com. Kentucky’s rates are higher than the national average but not near the most expensive in the country. Bankrate.com reports that Kentucky auto insurance rates for full coverage average $2,128 per year. Minimum coverage is also higher than the national average, which is $565 per year, at $748 per year.
Expect to pay more for the best car insurance in Kentucky because of the number of traffic fatalities. Kentucky is the fifth-deadliest state in the country when it comes to deaths per 100 million miles traveled at 1.46.
To save on your car insurance, shop around to compare car insurance prices. The same type of coverage could cost more (or less) with a different carrier.
Top 3 Cheapest Car Insurance Companies in Kentucky
| Company | Average Annual Full Coverage Premium* |
| USAA | $1,466 |
| State Farm | $1,540 |
| Geico | $1,567 |
*Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Kentucky
| Company | Average Annual Full Coverage Premium* |
| Allstate | $3,515 |
| Electric Insurance Company | $2,702 |
| Safe Auto Ins Co | $2,523 |
*Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Kentucky
| City | Average Annual Full Coverage Premium* |
| Fort Thomas | $1,554 |
| Highland Heights | $1,577 |
| Cold Spring | $1,577 |
*Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Kentucky
| City | Average Annual Full Coverage Premium* |
| Phyllis | $2,914 |
| Mc Carr | $2,911 |
| Ransom | $2,956 |
*Data provided by Bankrate.com.
Guide to Kentucky Car Insurance
Kentucky is an at-fault state with mandatory insurance requirements, meaning the driver who caused the accident is financially responsible for damages. Having the right amount of coverage is essential. Other things to know about Kentucky:
- Texting is banned when you’re behind the wheel
- You have 15 days to register an out-of-state vehicle
- Call the police if you’re in an accident with damage over $500 or report it to the Kentucky State Police within 10 days of the occurrence
Car Insurance Add-Ons That Will Further Protect You
Although the state only requires a minimum amount of liability insurance, some drivers, such as owners of newer-model vehicles, should consider getting additional coverage.
- Comprehensive: Comprehensive coverage insures your vehicle against damage from theft, fire and storms.
- Collision: The state-required liability insurance doesn’t pay for damages to your vehicle. Collision coverage will pay for repairs or replacement if you’re at fault.
- Uninsured/underinsured motorist: This type of coverage will pay for your losses if the other driver is at fault and uninsured.
Kentucky Minimum Insurance Requirements
All drivers in the state of Kentucky must carry at least 25/50/25 in liability coverage to pay for damages to others. The figures are as follows:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Kentucky Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Kentucky, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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 bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.
