Best Auto Insurance In Ky

Kentucky Graduated Licensing Program For Teen Drivers

Cheapest Car Insurance In Kentucky – Great Price And Coverage Best Rates In KY

The first phase of Kentucky’s graduated license program is the permit 16 is the minimum age to apply. Applicants under 18 must have a parent signature and submit a School Compliance Verification Form. Upon passing the written and vision test, permit holders must be accompanied in the front passenger seat by a licensed driver age 21 or older. They cannot have more than one non-relative under age 20 in the vehicle, and they cannot drive between midnight and 6:00 AM. Drivers must hold the permit for at least 180 days or 30 days . Permit holders under 18 must complete a minimum of 60 hours of practice driving, with at least 10 of these hours at night.

Phase two in the licensing process is the intermediate license. Applicants must pass a road skills test. If under 18, intermediate license holders cannot have more than one non-relative under age 20 in the vehicle and may not drive between midnight and 6:00 AM. They must hold the license for 180 days and complete a state-approved driver education program before being eligible to apply for a full unrestricted license.

The full unrestricted license is the last phase in Kentucky’s graduated licensing program. It does not have any time or passenger restrictions however, drivers under 21 will be issued an “Under 21” license. All drivers in Kentucky under 21 are subject to “Zero Alcohol Tolerance” .

How Much Car Insurance Do I Need In Kentucky

Youll need liability insurance of at least $25,000 per person and $50,000 per accident in bodily injury, as well as $25,000 for property damage. However, the states minimum requirement may not be enough since it does not provide you with any reimbursement if your car needs repairs or replacement. For complete coverage, choose full car insurance.

Cheapest Car Insurance Quotes For Kentucky Drivers

Car insurance is compulsory in Kentucky, as it is in most states, but just because it is a legal necessity does not mean it has to be prohibitively expensive. If you’re seeking low-cost auto insurance in Kentucky,’s research may be able to assist you in finding coverage that meets your needs.

We started our search for the cheapest auto insurance in Kentucky by gathering current rate data from the state’s most prominent providers based on market share. The data was then analyzed. We looked at coverage options, possible discounts, and third-party rankings in addition to the average rate.

Male drivers will be charged more on average than female drivers. THE GENERAL has the lowest young adult rates for Kentucky drivers, whether male or female. According to our research, Allstate has the highest premiums.

Those with clean driving records should expect an average insurance rate near the state average, with several insurers providing considerably cheaper rates. THE GENERAL is the cheapest insurer for Kentucky’s good drivers, while Allstate may be the most expensive.


Read Also: Capital One Auto Finance App

Cheapest Car Insurance In Kentucky

Kentucky Cheapest Insurance Coverage – Key Considerations
The cheapest insurance companies in Kentucky for minimum insurance requirements are Kentucky Farm Bureau, USAA, and Progressive. All three auto insurers provide coverage 27% less expensive than the statewide average rates.
The most affordable insurers for full coverage in Kentucky are State Farm and Kentucky Farm Bureau. State Farm has an average monthly rate of $133, and Farm Bureau’s is $137. Both 12% lower than the $154 average Kentucky rate.
The best-rated insurers in Kentucky based on the National Association of Insurance Commissioners complaint index, and A.M. Best’s ratings are Auto-Owners, Kentucky Farm Bureau, and Shelter.
The average annual car insurance rate for Kentucky drivers is $86 monthly or $1,040 per year for minimum liability coverage and $154 per month or $1,850 annually for full coverage.

*USAA is only available to military members, their spouses, and direct family members.

Make sure to compare equal liability coverage levels. Your results may vary when you get quotes.

If you are a driver in Kentucky looking for the cheapest car insurance by zip code, you can buy a state minimum bodily injury and property damage policy. Still, our experts recommend getting higher liability insurance to make sure you are protected against bodily injury or property damage to others if you are at fault in a car crash.

Joe Maupin Insurance Agency Inc

10 Best Places to Get Cheap Car Insurance in Kentucky

Joe Maupin Insurance Agency provides Kentucky drivers with affordable personal, auto, home, and business insurance options. At this agency, the highest priority is providing excellent customer services. If you’re interested in this agency, you can visit the Louisville office or call to set up an appointment with one of its agents.

Don’t Miss: Car Rental Fisherman’s Wharf

Cheapest Liability Auto Insurance In Kentucky

What happens if you need minimum coverage? In this case, you might be interested in liability insurance. This type of insurance policy helps when youre found at fault for property damage liability or bodily injury liability. You dont want to be left paying out of pocket for car accidents or any other damage. Liability coverage can come in handy, so we looked up the cheapest rates.

Car Insurance Company

Cheapest Minimum Coverage Car Insurance In Kentucky For 50

Drivers in Kentucky who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  • Kentucky Farm Bureau: $329 per year, or about $27 per month.

  • Electric Insurance: $465 per year, or about $39 per month.

  • Geico: $500 per year, or about $42 per month.

  • State Farm: $501 per year, or about $42 per month.

  • Encova: $605 per year, or about $50 per month.

  • You May Like: Can You Get Car Insurance Online

    Geico: Best Overall Provider

    Our team chose Geico as the leading provider of auto insurance in Kentucky due to its strong industry standing, affordable rates, and broad coverage options. In our research, we found that Geico consistently offers the lowest auto insurance rates in the Bluegrass State for many drivers.

    The company holds an A+ rating from the Better Business Bureau , as well as an AM Best rating of A++ for financial strength.

    Geico offers a variety of coverage options to Kentucky drivers, including its usage-based insurance program, DriveEasy®. It monitors driving habits through the Geico app, such as phone use, speed, and hard braking, and good drivers can earn savings on their policies. Geico also offers a wide range of car insurance discounts for military members, anti-theft systems, good students, multi-vehicle policies, and more.

    Check out our Geico insurance review for more information, including average costs and coverage options.

    Cheapest Car Insurance Quotes After A Dui: Farm Bureau

    Cheap Car Insurance in Kentucky

    Drivers with a DUI in Kentucky will find the best insurance quotes at Farm Bureau, where the typical cost of a full-coverage policy is $3,455 per year. That’s $431 less than the next-cheapest insurer, State Farm, and 24% less than the average price statewide.

    Active service members, veterans and some of their family members can find even cheaper rates from USAA. At $2,882, USAA’s average annual rate is $573 less than Farm Bureau and 36% cheaper than the state average.


    *USAA is only available to current and former military members and their families.

    A DUI conviction is a serious offense, and it can increase your car insurance rate dramatically. Drivers in Kentucky experience an average increase of 88%. You may be able to reduce the amount you pay by taking a safe driver training course, if your insurer offers it.

    You May Like: Supersonic Car Wash Salt Lake City

    Best Car Insurance In Kentucky

    WalletHub makes it easy to find the best car insurance companies in Kentucky.

    Information on this page is provided ‘as is’ and solely for informational purposes, not for any other purpose or advice. In addition, this information does not originate from us and thus, we do not guarantee its accuracy.

    Ad Disclosure: Certain professionals and companies that appear on this site are paying advertisers, and this will be noted on their profile page using the designation “Sponsored”, where applicable. Advertising may impact how and where listings appear on this site . At WalletHub we try to present a wide array of options, but our listings do not represent all companies or products.

    Regardless of advertiser status, none of the information displayed on WalletHub constitutes a referral or endorsement by WalletHub of the respective company or professional, or vice versa. Furthermore, it is important to note that the inclusion of a company or professional on WalletHub does not necessarily indicate their involvement with the site or control over the information that we display. Information is displayed first and foremost for the benefit of consumers.

    Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any third party company. In addition, it is not any company’s responsibility to ensure all posts and/or questions are answered.

    Average Lexington Car Insurance Rates

    How much is car insurance in Lexington, KY? Residents shouldn’t be surprised to learn average car insurance rates in Lexington are higher than both the state and national averages. Urban living conditions and some of the nation’s worst traffic congestion and vehicle theft rates are causing rates to go up. The average cost of auto insurance in Kentucky is $801.97 per year. The national average price is $889.01.

    Prices may vary depending on your driving record and the number of claims filed in your zip code.

    Kentucky Average Annual Car Insurance Rates

    Source: Facts + Statistics: Auto insurance

    The graph below shows the change in average Kentucky rates from 2011 to 2015, the most recent year the data is available. According to the III, Kentucky car insurance rates increased from $744 in 2011 to $802 in 2015, a jump of $57 dollars, or 7.71 percent.

    QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Lexington and save up to 40% on your premium.

    Last year, 17,561 people used QuoteWizard to compare auto insurance quotes in Lexington, KY from multiple companies to find the cheapest rates.

    Recommended Reading: Auto Loan Companies For Poor Credit

    Kentucky Car Insurance Rates By Driving And Accident History

    Unfortunately, a driving history full of accidents and claims can do terrible things for your insurance premium. If youre at a higher risk of getting into collisions, companies will notice. The best way to keep your rate low is by demonstrating that you are a safe driver.

    Driving records and accident history can really negatively impact insurance rates. Violations, speeding tickets, being at fault for an accident, and driving under the influence are all markers of high-risk driving. We always encourage keeping a clean driving record to keep costs low, but if thats not possible, be sure to ask an insurance agent about any insurance discounts.

    Compare The Best Insurance Options In Kentucky

    Auto Insurance Quotes Ky

    The cost of car insurance in Kentucky has been found to be influenced by the insurance providers service quality, coverage and financial soundness. Additionally, other factors like your driving history can impact the cost. You should also assess whether the insurer can meet your insurance coverage requirements. You may compare the best car insurance companies in Kentucky by using MoneyGeek’s in-depth analysis of each.

    Recommended Reading: O’reilly Auto Parts Locations

    Personalize Your Car Insurance Policy To Cover Your Needs

    As a consumer, its important to find an insurance provider that understands you as an individual. Not one insurance policy meets the needs of all drivers. Thats why it is important to select an insurance provider that is not only dependable and affordable, but also flexible. Insurance providers should offer basic plans that meet all legal requirements. However, if you are looking for extra coverage to feel more protected, find an insurance provider that offers an abundance of optional add-ons.

    These options are there if you need them, but are not required. For instance, many insurance providers offer roadside assistance, as well as the coverage for towing and labor. Other examples of add-ons include umbrella coverage and coverage for loan or lease gaps. The policy and coverage that you choose should represent your needs, and the agents you work with should help you pick the right coverage every step of the way. When it comes to feeling secure, nothing is more important than having a reliable insurance provider that prepares you for lifes greatest curveballs.

    Who Offers The Cheapest Senior Car Insurance Rates In Kentucky

    GEICO provides the cheapest car insurance rates for male and female senior drivers on average when compared with the other largest companies in Kentucky. Seniors across different zip codes benefit from GEICO’s large size and reach. They offer friendly online and phone service. The longer you stay with GEICO, the more you save.

    $1,024 $1,024

    These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kentucky will differ. Rate data is provided by Quadrant Information Services.

    Of course, if seniors are married and put multiple cars under the same policy or bundle with homeowners or other policies, they’ll enjoy the same benefits as other married couples. The cheapest auto insurance is often a matter of combining different discounts.

    Also Check: Is Montway Auto Transport Legit

    What Is The Best Car Insurance Company In Kentucky

    State Farm is Kentucky’s best auto insurance company, earning a 4.4 out of 5 rating for full coverage and state minimum policies. Additionally, it is the best company for young drivers and those with a violation on their driving record. Erie has the greatest customer service, while Traveler’s is the best for those with new cars.

    Best Car Insurance In Kentucky For A Military Background

    Best Car Insurance Carriers in Massachusetts – Based on Price

    According to MoneyGeek, USAA is the top auto insurance company in Kentucky for current and past military members. The company scored 5 out of 5 points for financial stability, claims history and affordability and 4.5 for user satisfaction.

    An average military driver’s state minimum auto insurance coverage from USAA costs an average of $369 per year, but roughly $1,141 per year for those at fault in an accident.

    Examining USAA’s services reveals some benefits and drawbacks, including the following:

    Read Also: Capital One Auto Financing Customer Service Phone Number

    Cheapest Full Coverage Car Insurance In Kentucky For 30

    Drivers in Kentucky with clean driving records may get the lowest rates from these companies:

  • Grange: $1,723 per year, or about $144 per month.

  • Geico: $1,746 per year, or about $146 per month.

  • State Farm: $1,782 per year, or about $148 per month.

  • Kentucky Farm Bureau: $1,790 per year, or about $149 per month.

  • Nationwide: $2,056 per year, or about $171 per month.

  • Best Car Insurance In Kentucky For Those With New Cars

    Travelers earned the highest MoneyGeek rating for this category in Kentucky, with a score of 3.7 out of 5.

    MoneyGeek’s research looked at the best auto insurance companies in Kentucky for those with new cars. It is recommended that new drivers add new car replacement coverage to their policy. If your new car is damaged within the first few years, the coverage will pay for a similar model and brand.

    Additionally, if your insurer offers better car replacement coverage, you may be able to purchase a newer model of car to replace your damaged one. Insurers typically offer this coverage for vehicles that are less than five years old. This coverage is not included in your standard policy and must be purchased as an add-on.

    Also Check: 2022 New York Auto Show

    What Is The Average Cost Of Car Insurance In Kentucky

    Compared to the national average, car insurance in Kentucky is actually relatively inexpensive. According to the NAIC, the cost of Kentucky car insurance was $937 in 2018, while the national average was $1,056.

    Heres a breakdown of the coverage costs that year based on data from the Insurance Information Institute:

    Type Of Coverage

    *Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Kentucky drivers actually spent on auto insurance in 2018.

    Least Expensive Vehicles For Insurance In Kentucky

    10 Best Places to Get Cheap Car Insurance in Kentucky

    With the right vehicle you can potentially save money on auto insurance. In Kentucky, the Honda CR-V LX, Subaru Crosstrek and Subaru Forester 2.5i are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.

    The most expensive vehicles for insurance in Kentucky among popular models are the Lexus ES 300H and the Tesla Model S Performance/Plaid .


    Related: Most and least expensive cars to insure nationwide

    Don’t Miss: Firestone Complete Auto Care Pflugerville

    Insurance Providers With Good Customer Service Are Invaluable

    With car insurance, customer service is not something that you want to compromise onno matter the affordability. Insurance can be a scary and challenging topic. Imagine having a collision and not knowing the first step to take with your insurance provider. Even worse, imagine not ever getting the answers you need. Thats why it is important that the insurance provider that you choose offers superb customer service. When you have an emergency, you want to be sure that your insurance provider, its agents, and its employees are there to help you. Whether its reporting a claim, making a payment, or reviewing your policy, your insurance provider should be willing to provide guidance on any matter. Part of great customer service involves answering questions, providing solutions, and offering advice. When looking for an insurance provider, ask around and read credible customer reviews to determine whether the customer service meets your standards.

    Similar Articles

    Most Popular