To help you cheap affordable car insurance in Kentucky, has put together general information, price comparisons, and expert tips.

Kentucky is known as the horse capital of the world because the state’s many grassy farms are considered to be the best place to breed and raise horses.

Ninety-five percent of the world’s bourbon is produced in Kentucky and this is in large part due to the quality of its water.

Along with an ideal climate and fertile soil for growing corn, Kentucky’s water flows through limestone reserves—the perfect conditions for making bourbon.

The state of Kentucky requires that all motorists be insured.

If you own a vehicle in Kentucky and do not have insurance, you will be notified that your vehicle registration will be suspended if you cannot provide proof of your insurance.

Bluegrass State Journeys: Kentucky Updates & Insurance Insights for 2024

Saddle up and explore Kentucky’s rolling hills and charming towns with these key updates for 2024:

Kentucky Vehicle Code Changes:

  • Texting while driving ban expands: Effective October 1st, sending or receiving text messages while driving becomes illegal, even with a hands-free device. (Source: Kentucky House Bill 360)
  • Increased motorcycle lane splitting clarification: While not explicitly legal, filtering (moving between lanes in slow traffic) is allowed if done safely and not exceeding 10 mph faster than surrounding traffic. (Source: Kentucky State Police)
  • Electric vehicle (EV) tax incentives: Existing tax credits and rebates for EV purchases continue. Stay updated through the Kentucky Energy and Environment Cabinet. (Source: Kentucky Energy and Environment Cabinet)

Remember: These are just highlights, and other changes may apply. Visit the Kentucky Transportation Cabinet website for complete information. (Source: Kentucky Transportation Cabinet)

Average Auto Insurance Rates in Kentucky (2024):

(Sources: The Zebra, ValuePenguin)

CompanyFull CoverageMinimum Coverage
State Farm$1,102$392

Remember: Individual rates in Kentucky can vary significantly based on driving history, location, vehicle type, and desired coverage.

We have found that on average, the cost of minimum liability car insurance in Kentucky is $292.18 per month.

However, these rates will depend on an individual’s:

  • Driving history.
  • Credit history.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible.

To help you find the best deals on car insurance in the state, we’ve compared car insurance quotes from car insurers in these Kentucky counties:

  • Jefferson County.
  • Fayette County.
  • Kenton County.
  • Boone County.
  • Warren County.

The cost of car insurance coverage is dependent on your individual driving profile, so we’ve gone a step further and compared the cost of Kentucky car insurance for:

  • Good drivers (those with a clean driving record).
  • Bad drivers (those with a history of traffic violations).
  • Young drivers (those aged between 16 and 25).

Minimum Liability Insurance in Kentucky

Minimum liability car insurance, also known as state minimum car insurance, is an insurance policy that provides financial protection for a driver who harms someone else or their property while operating a vehicle.

Liability insurance only covers injuries or damages to third parties and their property. The driver’s injuries or property damages can be separately covered by other parts of their policy.

State minimum auto insurance is the least amount of car insurance coverage you must pay to cover any damages you may cause, and it includes:

  • Bodily injury liability coverage which covers other people’s physical damages in an accident.
  • Property damage liability coverage which covers damages to the other driver’s property.

Failing to carry the minimum liability insurance required by your state can lead to expensive fines, and you could be held personally liable if you cause an accident.

Low coverage limits could end up costing you more in the long run if you are the cause of an accident.

Drivers must meet Kentucky’s minimum car insurance requirements in order to legally operate their vehicles. Kentucky minimum auto insurance requirements are 25/50/25, which includes:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident.
  • $25,000 property damage liability per accident.

Drivers in Kentucky who settle for minimum coverage insurance likely pay the lowest car premiums.

However, most insurance companies recommend that drivers purchase more coverage than  the minimum requirement.

Car accidents can be expensive and the state minimum coverage might not cover a driver’s full financial responsibility in the event of an accident.

Drivers in Kentucky are also required to carry PIP (personal injury protection) coverage, which pays out for medical expenses regardless of who caused the accident.

You can purchase higher levels of coverage, but the minimum level of personal injury protection pays for:

  • Up to $10,000 of medical expenses per person in an accident.
  • 85% of lost wages due to the injury (with a maximum of $200 per week).

Key Point: What Does PIP Cover?

Personal injury protection (PIP), also known as no-fault insurance, helps cover expenses like medical bills, lost wages, or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state.

If you’re in an auto accident, your PIP insurance can help cover medical expenses for you and your injured passengers, no matter who caused the accident.

This car insurance coverage applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, your PIP coverage may help pay for your injuries.

Medical Expenses

On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.

Work Loss

If you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit also applies if you’re self-employed and need to hire temporary workers to perform tasks.

We have found that on average, the cost of a minimum liability car insurance policy in Kentucky is $292.18 per month.

SafeAuto offers the cheapest auto insurance rates for minimum liability coverage, which costs on average $139.00 per month.

Cheapest Minimum Liability Car Insurance in Kentucky

ProviderJefferson CountyFayette CountyKenton CountyBoone CountyWarren CountyAverage
Bristol West$693.00$337.00$303.00$291.00$333.00$391.40
The General$369.00N/AN/AN/AN/A$369.00

Find Cheap Comprehensive Car Insurance in Kentucky

Comprehensive insurance coverage—also referred to as full coverage car insurance—is optional coverage.

It protects against damage to your vehicle caused by noncollision events that are outside of your control.

Examples of damages to your car that are covered by a comprehensive insurance policy include:

  • Theft of the car or of car parts.
  • Vandalism.
  • Glass and windshield damage.
  • Accidents with animals.
  • Fire, floods, tornadoes, hailstorms, and hurricanes.
  • Falling objects.
  • Other acts of nature.

Full coverage auto insurance covers the maximum amount based on the actual cash value of your vehicle, minus the deductible you have selected.

While collision coverage pays for repairs to your vehicle after a car accident, comprehensive insurance generally protects your vehicle while it is parked.

We found that the cheapest insurance rates for Kentucky full coverage car insurance are offered by Grange at an average cost per month of $165.33.

Cheapest Comprehensive Coverage Insurance in Kentucky
ProviderJefferson CountyFayette CountyKenton CountyBoone CountyWarren CountyAverage
Bristol West$1,008.00$436.00$387.00$369.00$447.00$529.40

Cheap Auto Insurance in Kentucky for Drivers with Clean Driving Records

The best way to prevent an increase in your annual premium is to maintain a clean driving record free of traffic violations and accidents.

Insurance companies regard drivers with a clean record as reliable and usually offer them more affordable rates.

Drivers with a clean driving record are in a good position to find cheap auto insurance. Car insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have no traffic offenses.
  • Have a good credit score.
  • Have no speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.

Many car insurance companies offer a good driver discount on your car insurance rates, saving you even more money.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course. 

We’ve looked at the average car insurance rates offered by auto insurance providers in Kentucky for good drivers. The two cheapest auto insurance companies for good drivers are:

  • Grange with average rates of $155.67 per month.
  • CSAA with average rates of $297.33 per month.
Cheapest Car Insurance for Good Drivers in Kentucky
ProviderJefferson CountyFayette CountyKenton CountyBoone CountyWarren CountyAverage
Bristol West$843.00$388.00$344.00$330.00$390.00$459.00

Cheap Car Insurance in Kentucky for High-Risk Drivers

Drivers who have a driving record due to traffic violations such as an at-fault accident, a speeding ticket, or a DUI (driving under the influence) often pay higher insurance rates.

Drivers with prior traffic violations are regarded by insurance companies as being a higher risk to insure than those who have a clean traffic record.

Insurance companies believe high-risk drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

  • Reckless driving.
  • Being found at-fault in a major accident.
  • Having too many points on your driving record.
  • Driving without meeting the minimum liability coverage requirements.
  • Unpaid car insurance premiums.
  • A poor credit score.

The cheapest car insurance company in Kentucky for high-risk drivers is Grange with average rates of $341.33 per month.

Cheapest Auto Insurance for Bad Drivers in Kentucky

ProviderJefferson CountyFayette CountyKenton CountyBoone CountyWarren CountyAverage
Bristol West$1,037.00N/AN/AN/AN/AN/A

Cheapest Car Insurance in Kentucky for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

A minimum coverage car insurance policy, though it is much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out-of-pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

We’ve compared the prices of car insurance for young drivers to help you save on auto insurance costs.

The cheapest car insurance for young drivers is SafeAuto with an average rate of $119.00 per month.

Cheapest Car Insurance for Young Drivers in Kentucky

ProviderJefferson CountyFayette CountyKenton CountyBoone CountyWarren CountyAverage
Bristol West$838.00$424.00$382.00$367.00N/A$391.00
The General$1,129.00$682.00$674.00$662.00N/A$672.67

Top Tips for Finding Affordable Car Insurance

Take note of lender requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.

Full coverage auto insurance protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.

Compare quotes from different auto insurance providers

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower rate.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare prices from multiple insurers.

You can do this yourself, but it is time-consuming. You’ll need to phone each auto insurance company or fill out an online form for them to give you a quote.

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

Top Car Insurance Companies in Kentucky

Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

  • Multiple policy bundling discounts.
  • Personalized car insurance policies.
  • Rideshare coverage.
  • Medical payments.
  • Gap coverage.
  • Towing and roadside assistance.
  • Rental car reimbursement.

The General

The General is an auto insurance provider that operates in multiple states across the U.S.

  • The company was founded in 1963 and specializes in car insurance coverage for high-risk drivers.
  • General Automobile is a subsidiary of PGC Holdings Corporation (PGC), which is an affiliate of American Family Insurance.
  • PGC has been writing automobile insurance in many states throughout the country for nearly 60 years. It is a leader in the low-cost auto insurance field and has a Better Business Bureau (BBB) Rating of A+.

Car Insurance in Kentucky FAQs

Is car insurance mandatory in Kentucky?

Yes, auto insurance coverage is mandatory in Kentucky. Kentucky auto insurance requirements are 25/50/25, which includes:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident.
  • $25,000 property damage liability per accident.

What happens if you drive without car insurance in Kentucky?

According to the law in Kentucky, a car owner who fails to maintain minimum liability insurance on his vehicle will have his vehicle registration revoked.

In addition, the vehicle owner, as well as the vehicle driver, are subject to a fine of between $500.00 and $1,000.00, up to 90 days in jail, or both.

Is Kentucky an at-fault or a no-fault insurance state?

Kentucky is a no-fault insurance state. What this means is that if there is an accident, drivers in Kentucky have to file a claim with their insurance company to get compensation for medical bills and other financial losses, regardless of who caused the accident.

What is the average cost of car insurance in Kentucky?

On average, Kentucky drivers pay $292.18 per month for minimum liability auto insurance.

Rates vary on a driver-by-driver basis, depending on driving history, credit history, personal information, decisions on bundling homeowner or renters insurance, vehicle type, and more.

Should you get the cheapest car insurance in Kentucky?

When it comes to insuring your car, the cheapest insurance option is not necessarily the best.

The cost of your insurance can be lowered by purchasing less coverage, but the protection you get decreases as a result.

Kentucky’s minimum coverage auto insurance policy does not cover on-road or off-road damages to your own vehicle.

How much is car insurance in my city in Kentucky? 

Where you live affects your car insurance rates.

Drivers who live in more populated areas are regarded as being more at risk of being involved in an accident than those who live in quieter, rural areas.

Shopping around for insurance quotes is a smart way to identify savings before purchasing or renewing an auto policy.

Do car insurance rates vary by county in Kentucky?

Yes, auto insurance rates change depending on the location of the policyholder’s city or county.

Factors such as population density, crime rates, weather, and climate determine risk levels that impact insurance rates.

What Kentucky car insurance coverage is right for you?

Depending on your budget and needs, you might want to consider increased coverage for more protection. We can assist in customizing your Kentucky car insurance to get the coverage that fits you.

How Do I Find Cheap Car Insurance Companies in Kentucky?

It’s essential to shop around to help you identify cheap coverage options. The best auto insurance providers may not cater to your particular needs.

You can let us help you in person or you can use our free quote generator at the top of this page just by entering your zip code, to help you find the most affordable rates.

Cheap Car Insurance in Kentucky