Cheap Car Insurance Quotes in Kentucky (2026)
Travelers has the best cheap car insurance in Kentucky, at $168 per month for full coverage. Compare quotes from top Kentucky insurance companies and start saving in minutes.
Find Cheap Auto Insurance Quotes in Kentucky
Save money on auto insurance in KY
If you haven’t shopped for car insurance in a while, you’re not alone.
But comparing rates takes minutes and can save you over $2,000 per year in Kentucky.
Cheapest auto insurance in Kentucky: Travelers
Kentucky drivers can typically save the most money on full coverage car insurance by choosing Travelers.
Travelers charges around $168 per month for full coverage, which is 19% cheaper than the state average.
State Farm can often be a better choice than Travelers because of its customer service. You can still save around 11% by choosing State Farm, and your experience might be better if you have to file a claim.
Find Cheap Auto Insurance Quotes in Kentucky
Which companies offer the biggest savings on full coverage car insurance in Kentucky?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $168 | 19% savings |
| State Farm | $184 | 12% savings |
| Geico | $193 | 7% savings |
| Auto-Owners | $194 | 7% savings |
| USAA* | $144 | 31% savings |
USAA* is available only to current and former military members and their families.
Think you're overpaying for car insurance? Many drivers feel the same way, since rates in Kentucky jumped 26% between 2020 and 2025.
But you can still save by choosing the right company. While Travelers has the cheapest rates for most people in Kentucky, State Farm's rates have been much more stable. In fact, State Farm has lowered rates by an average of 7% over the last five years, while Travelers customers have seen an increase of around 32%.
| Data-powered research on KY car insurance |
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Cheapest KY liability insurance quotes: Farm Bureau
Kentucky Farm Bureau offers the biggest savings for liability-only insurance, at 30% less than the state average.
However, you can't compare quotes from Farm Bureau online. You'll have to contact an agent to get a quote.
Travelers has the most affordable online quotes. A minimum liability policy from Travelers costs $63 per month, which is a savings of around 20%.
Which companies offer the biggest savings on KY state minimum auto insurance?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Farm Bureau | $55 | 30% savings |
| Travelers | $63 | 20% savings |
| State Farm | $66 | 16% savings |
| Geico | $75 | 5% savings |
| USAA* | $52 | 34% savings |
USAA* is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Kentucky
Cheapest KY auto insurance for young drivers: Farm Bureau and Travelers
Farm Bureau and Travelers offer the most affordable car insurance rates for young drivers in Kentucky.
Minimum liability car insurance from Farm Bureau costs around $156 per month for an 18-year-old driver. That's an average savings of around $99 per month compared to the Kentucky average..
Travelers has the most affordable full coverage insurance quotes for teens. At $446 per month, young drivers can save around $102 per month by choosing Travelers.
Which companies offer the biggest savings for teens in KY?
Liability-only coverage
Full coverage
Company | Monthly rate | % from state avg. |
|---|---|---|
| Farm Bureau | $156 | 39% savings |
| Travelers | $170 | 33% savings |
| State Farm | $220 | 14% savings |
| Shelter | $222 | 13% savings |
| USAA* | $132 | 48% savings |
USAA* is available only to current and former military members and their families.
Car insurance savings hacks for Kentucky teens
Young drivers can save money on their insurance by sharing a policy with a parent or relative. Typically, the cost of sharing a policy is much cheaper than buying separate policies.
Keeping your grades up could also save you money on car insurance. Most companies offer a good student discount if you have a "B" grade average or higher. You could save anywhere from 4% to 20% just for getting good grades in school.
You could save a lot of money with a safe driving program. Many companies, including Travelers, State Farm and USAA, have programs that offer a discount based on your driving habits.
Insurance companies use an app on your phone or device that plugs into your car to track things like your speed and the time of day you drive. You could get a big discount, up to 40% at some companies, for practicing safe habits.
Cheap insurance in KY after a speeding ticket: State Farm
State Farm has the cheapest quotes for Kentucky drivers with a speeding ticket. A full coverage policy from State Farm costs around $196 per month, which is an average savings of around $43 per month.
Which companies offer the biggest savings on Kentucky car insurance after a speeding ticket?
Company | Monthly rate | % from state avg. |
|---|---|---|
| State Farm | $196 | 18% savings |
| Auto-Owners | $203 | 15% savings |
| Farm Bureau | $204 | 15% savings |
| Travelers | $219 | 8% savings |
| USAA* | $183 | 23% savings |
USAA* is only available to current and former military members and their families.
The best way to save money after a speeding ticket is to shop around for quotes. There's a difference of $170 per month between the most and least expensive car insurance companies in Kentucky after one speeding ticket. That could add up to a savings of over $2,000 per year.
Best car insurance rates in KY after an accident: Farm Bureau
Kentucky Farm Bureau has the cheapest quotes for drivers after an accident. Farm Bureau charges around $204 per month for full coverage insurance after a crash. That's a savings of $101 per month compared to the Kentucky average.
Which companies offer the biggest savings on KY car insurance after an accident?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Farm Bureau | $204 | 33% savings |
| State Farm | $210 | 31% savings |
| Travelers | $241 | 21% savings |
| Shelter | $256 | 16% savings |
| Auto-Owners | $270 | 11% savings |
| USAA* | $216 | 29% savings |
USAA* is only available to current and former military members and their families.
Kentucky drivers with a recent accident see their rates increase by 47%, on average.
Don't rush to switch auto insurance companies right after an accident. Your rates won't go up until your current policy renews. But any quotes you get will include your accident, so they'll probably be more expensive.
Instead, wait until your current company sends your new rates with your renewal paperwork. Then, you should get quotes from multiple companies to find the cheapest price.
Cheapest in KY for teens with a ticket or accident: Farm Bureau
Farm Bureau has the best rates for younger drivers with a recent speeding ticket or an at-fault accident. A minimum liability policy from Farm Bureau costs $156 per month after a ticket and $189 per month after an accident. So choosing Farm Bureau could save you 44% to 47% on car insurance.
Which companies offer the biggest savings for KY for teens with a bad driving record?
Speeding ticket
Accident
Company | Monthly rate | % from state avg. |
|---|---|---|
| Farm Bureau | $156 | 46% savings |
| Travelers | $218 | 25% savings |
| State Farm | $240 | 18% savings |
| Auto-Owners | $259 | 11% savings |
| USAA* | $208 | 29% savings |
*USAA is only available to current and former military members and their families.
Young drivers who want to save on car insurance rates should consider a driver training course. Insurance companies often give discounts to teens who complete training beyond what's required to get their license.
You may also be able to save on car insurance if you have good grades.
Cheap Kentucky auto insurance quotes after a DUI: Travelers
Travelers has the cheapest car insurance in Kentucky for drivers with a recent DUI. At $253 per month, a full coverage policy from Travelers could save you $159 per month compared to the average cost statewide.
Drivers with a recent DUI should also consider Shelter, which costs $293 per month. Although it's more expensive than Travelers, Shelter's excellent customer service may be worth the extra cost.
Which companies offer the biggest savings on car insurance after a DUI in Kentucky?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $253 | 39% savings |
| Progressive | $272 | 34% savings |
| Shelter | $293 | 29% savings |
| State Farm | $371 | 10% savings |
| USAA* | $293 | 29% savings |
USAA* is available to current and former military members and their families.
A DUI can almost double your car insurance rates in Kentucky.
You may be able to lower your insurance bill by taking a safe driver training course if your insurance company offers a discount.
Cheapest KY car insurance for drivers with poor credit: Travelers
Travelers has the most affordable car insurance quotes for drivers with bad credit in Kentucky, at $327 per month for full coverage. That's a savings of around $164 per month compared to the Kentucky average.
Which companies offer the biggest savings on Kentucky car insurance for drivers with poor credit?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $327 | 33% savings |
| Progressive | $340 | 31% savings |
| Geico | $396 | 19% savings |
| USAA* | $250 | 49% savings |
USAA* is available only to current and former military members and their families.
Drivers with low credit scores pay nearly two and a half times more for coverage in Kentucky than drivers with good scores. That's because insurance companies believe people with lower credit scores are more likely to make a claim.
Tips for saving on car insurance with a bad credit score
- Shop around for the best rates. There's a difference of over $500 per month between the most and least expensive companies in Kentucky if you have bad credit.
- Look for discounts. You can typically get the biggest discounts for bundling your policy with home or renters insurance, taking a defensive driving course or signing up to make automatic payments.
- Sign up for a safe driving program that offers a discount based on your driving habits. You could save up to 40% by allowing your insurance company to track things like speeding or hard braking and showing you're a safe driver.
Best car insurance in KY
USAA is the best-rated insurance company in Kentucky, based on its excellent customer service and affordable rates.
However, USAA is available only to military members, veterans and some of their family members.
Farm Bureau and State Farm are the best choices for drivers who aren't eligible for USAA. Both companies offer great customer service and cheaper-than-average quotes.
Top Kentucky auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Shelter | 669 | A | |
| Nationwide | 645 | A |
Car insurance savings in Kentucky by city
Travelers offers the biggest savings in two-thirds of cities and towns across Kentucky.
However, State Farm has the cheapest rates in the four most-populated cities in Kentucky: Louisville, Lexington, Bowling Green and Owensboro.
Fort Thomas, a city on the Ohio River, has the cheapest car insurance in the state. The average cost of car insurance in Fort Thomas is $157 per month for full coverage.
Saul, a small community in southeastern Kentucky, has the most expensive rates in the state, at $292 per month.
Find Cheap Auto Insurance Quotes in Kentucky
Car insurance quotes in KY by city
City | Avg. rate | Cheapest company | Avg. savings |
|---|---|---|---|
| Louisville | $232 | State Farm | 20% |
| Lexington | $175 | State Farm | 19% |
| Bowling Green | $168 | State Farm | 17% |
| Owensboro | $160 | State Farm | 17% |
| Covington | $167 | Travelers | 14% |
Where you live can impact your auto insurance rates as much as your driving history. Car insurance companies consider the number of accidents in your area, car theft rates and even whether the roads are well-maintained. That's because all of these things could lead to future claims.
KY state minimum auto insurance requirements
Kentucky requires drivers to have a minimum amount of liability insurance, often written as 25/50/25, along with $10,000 in personal injury protection.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $10,000
Drivers may opt for combined liability coverage of $60,000 per accident instead of separate bodily injury and property damage limits.
Kentucky is a no-fault insurance state.
That means you need to have personal injury protection (PIP) insurance. It covers medical costs for you and your passengers, regardless of who caused an accident. It also means you cannot sue other drivers for medical expenses, lost wages or other related costs if the total is under $10,000.
Drivers have the option to reject the limitation on filing a lawsuit, and to reject PIP coverage, by filing a form with the Kentucky Department of Insurance. However, you still need to have guest PIP coverage to protect passengers and pedestrians. The cost of keeping PIP coverage on your policy is usually low, so it's a good idea for most drivers.
What's the best car insurance coverage for Kentucky drivers?
Full coverage is the best coverage for most Kentucky drivers.
After a crash, full coverage pays for your car repairs and medical bills, and covers the other driver's costs if you caused the crash.
Minimum liability auto insurance is the cheapest option, but it only pays a limited amount for damage to the other driver's vehicle and their injuries. It doesn't include comprehensive and collision coverages, which protect your own vehicle from damage.
In addition, a minimum liability policy might not have enough coverage if you're in a major accident. If another driver's brand-new car is totaled in a crash that you cause, $25,000 probably won't be enough to replace it.
Frequently asked questions
Who has the cheapest car insurance rates in Kentucky?
Travelers and Farm Bureau have the cheapest car insurance in 2026 for most Kentucky drivers. A full coverage policy from Travelers costs an average of $168 per month, and a liability-only policy from Farm Bureau costs $55 per month.
Travelers also has the cheapest coverage for drivers with a DUI, with an average rate of $253 per month.
How much is car insurance in Kentucky?
The average cost of a full coverage policy in Kentucky is $208 per month. Minimum liability coverage costs $79 per month, on average.
What is the minimum car insurance you must have in KY?
Kentucky state law requires at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability. You can choose to get $60,000 in combined liability coverage instead of separate bodily injury and property damage coverage. You must also have at least $10,000 in personal injury protection.
Is car insurance expensive in Kentucky?
Car insurance in Kentucky is expensive compared to the rest of the country. It ranks as the 11th most expensive state for full coverage and the 15th most expensive for minimum coverage. One reason car insurance in Kentucky is so expensive is that it is a no-fault state. Kentucky also has more fatal car accidents than many other states.
How much does car insurance cost in Louisville vs. Lexington?
Car insurance in Lexington, KY, is much cheaper than in Louisville. Full coverage auto insurance in Lexington costs an average of $175 per month. That's 16% cheaper than the Kentucky state average. On the other hand, car insurance in Louisville is 12% above the state average, at $232 per month.
Methodology
To find the best cheap Kentucky insurance, ValuePenguin collected thousands of rates from ZIP codes across KY for the state's largest insurance companies. Rates are for a 30-year-old man who owns a 2018 Honda Civic EX and has good credit.
Most rates are based on a full coverage policy with the following coverage limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection (PIP): $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
