Geico offers the best car insurance in Kentucky according to Jerry’s editorial analysis. Here’s a breakdown of why it’s the best, plus other top insurers in the state.
If you need cheap car insurance in Kentucky, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Kentucky overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico earns the highest Jerry star rating in Kentucky with 5 stars, due to its superior financial strength rating and few customer complaints.
Drivers in Kentucky be able to customize an auto policy by adding roadside assistance, rental reimbursement or mechanical breakdown coverage. Geico offers many discounts, and savings may be available for military members, homeowners, bundling multiple policies, going paperless and being a safe driver.
Geico’s highly-rated mobile app lets Kentucky customers access ID cards, manage their policy, file and track claims, request roadside assistance, and estimate vehicle repair costs by uploading a photo of vehicle damage.
More of the best Kentucky insurers
Here are more top-rated insurers in Kentucky.
Best full coverage car insurance in Kentucky
The following companies offer some of the best full coverage car insurance rates in Kentucky.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $118 |
| Bluefire | $143 |
| Safeco | $174 |
| Gainsco | $228 |
| Progressive | $256 |
Best car insurance for teen drivers in Kentucky
These are the best car insurance rates for teen drivers in Kentucky, based on real policy quotes for Jerry customers ages 16 to 19.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | Progressive | $79 | December 13, 2024 |
| 19 | Bristol West | $109 | December 12, 2024 |
| 18 | Progressive | $137 | January 7, 2025 |
| 19 | Progressive | $158 | March 4, 2025 |
| 19 | Progressive | $190 | December 27, 2023 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Kentucky
These are the best car insurance companies for drivers under 25 in Kentucky.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $283 |
| Trexis | $351 |
| Root | $403 |
| National General | $427 |
| Dairyland | $471 |
Learn more: Car insurance for college students
Best car insurance for seniors in Kentucky
These are the best car insurance companies in Kentucky for drivers over 65.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $120 |
| Progressive | $164 |
| National General | $216 |
| Trexis | $224 |
| Root | $243 |
Learn more: Car insurance for seniors
How to get the best car insurance in Kentucky
Follow these tips to find the best car insurance in Kentucky:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
