Best Car Insurance in Kentucky (2025)

It can be a challenge to shop for car insurance. Every driver has their own unique budget and priorities. Kentuckians pay an average rate of $157 per month for car insurance, but you may be able to secure cheaper coverage.

To help you zero in on the right auto insurance coverage in Kentucky, Insurify analyzed 50 car insurance companies in the Bluegrass State. Let’s take a closer look at the best car insurance companies in Kentucky.

Best car insurance companies in Kentucky

Finding an affordable insurance rate can be intimidating. Fortunately, Kentucky has no shortage of great car insurance companies. To help narrow down your search, here are the top picks.

GEICO: Best insurer for homeowners

USAA: Best insurer for military families

Allstate: Best insurer for classic car owners

Kentucky Farm Bureau: Best insurer for local service

Auto-Owners: Best insurer for young drivers

How to get the best car insurance in Kentucky

Here are some tips to lock in the best car insurance coverage and find the most affordable monthly rate in the Bluegrass State:1

Average cost of car insurance in Kentucky

On average, Kentucky drivers pay monthly rates of $121 for liability insurance and $193 per month for full coverage. Kentucky drivers have seen rate increases over the past few years due to inflation, the price of parts, and an increase in car accidents.2