Cheapest Auto Insurance in Kentucky (2025)

The average cost of car insurance in Kentucky is $157 per month, which is higher than the national average of $144. Kentucky drivers must carry liability insurance. As a no-fault state, Kentucky also requires drivers to carry personal injury protection (PIP).

Drivers in no-fault states often pay more for auto coverage because both drivers involved in an accident need to file claims with their insurers for injuries. The best way to find cheap car insurance is to compare quotes from multiple insurers before deciding on an insurance policy.

Here’s what you need to know about finding cheap car insurance in Kentucky.

6 of the cheapest car insurance companies in Kentucky

The Kentucky car insurance company that’s right for you depends on your insurance situation and needs. Car insurance premiums can vary based on your age, gender, ZIP code, the type of car you drive, and the insurance company you choose.

Comparing multiple insurers can help you find the best price before you commit to a policy. Start your search with six of the best cheap car insurance companies in Kentucky below.

Best insurer for discounts: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for high-risk drivers: National General

How to get the cheapest car insurance in Kentucky

Auto insurers use many variables to calculate your car insurance, including your age, gender, ZIP code, how much you drive, chosen coverage, and more.

If you’re trying to find cheap car insurance in Kentucky, consider the following tips:

• Maintain a clean driving record. You can save money by being a good driver. The cleaner your record, the lower your premium is likely to be. If you have speeding tickets and accidents on your record, you can expect to pay more.

• Look for discounts. Many insurance companies offer discounts, such as student discounts for high school or college students who maintain a certain grade. Multi-policy discounts are also common for people who bundle car insurance with another policy, like home insurance or life insurance.

• Compare companies. Taking the time to compare multiple car insurance quotes can help you find the best price.

Low-cost car insurance in Kentucky

Kentucky has a program to help drivers who can’t find a car insurance company willing to insure them, but it doesn’t have one for low-income drivers looking for an affordable policy. If you’re looking to lower your car insurance bill, you should make sure you’re comparing quotes every time you’re up for renewal. 

Car insurance rates can vary dramatically from company to company and over time. The insurer that had the best deal for you six months ago may no longer be the cheapest option available.

Cheapest liability-only car insurance quotes in Kentucky: Progressive

Liability-only car insurance is mandatory in nearly every state, including Kentucky. This covers costs related to the bodily injury and property damage of another driver if you cause a car accident.

Progressive offers the cheapest liability-only policies in Kentucky, at $88 per month.

Check out the table below for the cheapest liability car insurance in Kentucky.

Cheapest full-coverage car insurance quotes in Kentucky: Auto-Owners

Full-coverage car insurance is an optional form of car insurance that provides additional protection. While a liability-only policy covers only injury and damages to the other driver, a full-coverage policy protects your vehicle. A full-coverage plan typically includes liability, collision, and comprehensive coverage.

You can find the cheapest full-coverage insurance from Auto-Owners, with a rate of $144 per month.

The following table provides average monthly quotes for the cheapest-full coverage car insurance in Kentucky.

Car insurance requirements in Kentucky

In Kentucky, vehicle owners can’t operate a vehicle without insurance. If you fail to maintain car insurance, you risk having your registration revoked. You can also face fines of up to $1,000 and up to 90 days in jail.

The required minimum coverage amount for car insurance in Kentucky includes bodily injury liability and property damage liability coverage. Alternatively, you can get a policy with a single limit of $60,000. Kentucky also requires personal injury protection (PIP) for all motor vehicles except motorcycles.

Here are the specific requirements in Kentucky:1

If you want more protection for your vehicle, you should consider purchasing additional coverage, such as:

Cheapest car insurance companies in KY for drivers with an incident

Driving incidents include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. When you have an incident on your driving record, insurers see you as a higher risk and, as a result, will increase your car insurance premiums and other potential penalties.

For example, a first-offense DUI in Kentucky results in a six-month license suspension and 90 days of an alcohol or substance abuse program. A second offense within a 10-year period results in an 18-month license suspension and one year in a treatment program. Following license suspension, you’ll face increased car insurance rates for up to 10 years via a premium surcharge.

Less serious infractions, like a speeding ticket, shouldn’t result in as large an increase as a DUI.

Cheapest car insurance quotes for drivers with a speeding ticket: Progressive

A clean driving record indicates you pose less risk and typically results in lower car insurance premiums. If you have past speeding tickets on your driving record, you can expect to pay more for car insurance because speeding indicates to insurers that you’re a higher-risk driver.

On average, drivers with a speeding ticket in Kentucky pay $234 per month for full-coverage insurance and $147 for liability-only coverage.

The following table provides the lowest average rates for car insurance for Kentucky drivers with a speeding ticket.

Cheapest car insurance quote for drivers with an at-fault accident: Progressive

If you cause an accident and file a claim, your insurance premium will generally increase.2 At-fault accidents signal a higher risk to auto insurance companies, which results in higher premiums. How much your insurance cost will increase varies between companies. You can expect increased rates for three to five years after making a claim.

The cheapest insurer for Kentucky drivers with an at-fault accident is Progressive, with a cost of $115 per month.

Here are the cheapest car insurance rates for drivers with an at-fault auto accident.

Cheapest car insurance quotes for drivers with a DUI: Progressive

Getting a DUI can cause a significant increase in your insurance premiums for up to 10 years in Kentucky. In some cases, your insurer might decide not to renew your policy. While you might find it more challenging to find an affordable car insurance policy with a DUI, it’s still possible.

Progressive has the cheapest rates for Kentucky drivers with a past DUI, with a monthly liability rate of $109.

The table below includes companies that provide the lowest car insurance rates to drivers with a DUI.

Cheapest car insurance quotes for seniors: National General

Age is an important factor insurance companies consider when determining car insurance premiums. If you maintain a clean driving record, your car insurance rates will typically stay consistent or decrease as you age and gain more driving experience.

However, rates start to increase again for drivers 70 and older because drivers in this age group have a higher fatal crash rate per mile compared to middle-aged drivers.3

The cheapest car insurance company for senior drivers in Kentucky is National General, with a cost of $74 per month.

The table below provides a breakdown of the cheapest car insurers for seniors in Kentucky.

Cheapest car insurance quotes for teens: Progressive

Insurers tend to charge teenagers and drivers younger than 25 higher rates than older drivers. Teen drivers pose a high level of risk related to inexperience, distracted driving, high accident frequency, and speeding.

To find the cheapest car insurance as a teen, consider the following tips:

• Join your parents’ existing insurance policy. Having your parents add you to their insurance policy is often cheaper than purchasing a policy on your own.4 And if you’re younger than 18, you can’t purchase car insurance without the written consent of a parent or guardian.

• Look for student discounts. Insurance companies often offer good student discounts for teenagers who maintain a certain grade point average in school. Similarly, some companies offer discounts for teens who take a driver training course.

• Drive a safe car. Driving a car with high-quality safety features and equipment might help you qualify for a lower premium.

The cheapest car insurance company for teenagers in Kentucky is Progressive, with a liability rate of $163 per month. The table below lists the Kentucky insurance companies with the cheapest liability-only and full-coverage car insurance for young drivers.

Kentucky car insurance quotes by credit tier

Kentucky law permits auto insurance companies to use a credit-based insurance score when determining your insurance premiums. However, Kentucky insurance companies can’t use your credit history as the single reason for refusing to provide insurance coverage.5

Though you might question how your credit score relates to your insurance premiums, insurance companies suggest a link between credit history and the likelihood of someone filing a claim. In general, drivers with excellent or good credit pay lower car insurance rates than drivers with poor credit.

The table below outlines average monthly full-coverage quotes in Kentucky by credit tier.

Car insurance rates across Kentucky cities

Where you live tells insurers about the traffic patterns, weather events, and vehicle crime rates your vehicle is exposed to. As a result, car insurance companies take into account your city and even your ZIP code when setting your rates. Check out the table below for an idea of how much Kentucky residents pay for car insurance, based on their city.